CFPB Consumer Complaint Profile
Synchrony Financial
75,659 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 75,659
- Total complaints
- Among the highest
- 14,395
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 60
- States affected
The verdict
75,659 CFPB complaints put Synchrony Financial at #9 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 99.9%, the 82nd percentile for the 100+ complaint peer group.
- #9
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Credit reporting or …
- most-complained product
- 60
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Synchrony Financial vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 10,170 in 2024 to 13,605 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2011 | 86 |
| 2012 | 1,470 |
| 2013 | 1,592 |
| 2014 | 2,744 |
| 2015 | 2,885 |
| 2016 | 3,052 |
| 2017 | 3,889 |
| 2018 | 4,676 |
| 2019 | 4,654 |
| 2020 | 4,842 |
| 2021 | 5,326 |
| 2022 | 5,868 |
| 2023 | 7,095 |
| 2024 | 10,170 |
| 2025 | 13,605 |
| 2026year in progress | 3,705 |
Complaints by State (Top 15)
Company Responses
Synchrony Financial Complaint Concentration Profile
Synchrony Financial is a high-volume CFPB cohort (75,659 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 97 named product lines in the stored breakdown, the leading three (Credit reporting or other personal consumer reports, Credit reporting, credit repair services, or other personal consumer reports, Credit card) hold a 35.5% share of product-tagged complaints. The Herfindahl index on that product mix is 0.093 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Improper use of your report, Problem with a purchase shown on your statement) cover a 41.0% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Florida, Texas) hold a 31.8% share of state-tagged volume across 60 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 65.9% share among the 75,659 response-tagged complaints (49,864 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (13,605 complaints); the lightest year on file was 2011 (86). From 2024 to 2025, annual volume rose 33.8% (10,170 → 13,605). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Synchrony Financial
75,659 complaints against Synchrony Financial appear in the CFPB record, including 14,395 from the trailing year. The 60 states and territories represented put this footprint in nationwide territory. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Synchrony Financial's timely response rate stands at 99.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 15.1% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 31.6%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Synchrony Financial have?
75,659 complaints have been filed against Synchrony Financial with the CFPB overall - 14,395 of them in the past year.
Does Synchrony Financial respond to complaints on time?
Synchrony Financial's CFPB timely-response rate is 99.9%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Synchrony Financial?
Among all products tied to Synchrony Financial, "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Synchrony Financial?
The most common issue reported by consumers about Synchrony Financial is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Synchrony Financial?
You can file a complaint against Synchrony Financial directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Synchrony Financial?
Synchrony Financial has drawn CFPB complaints from 60 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Synchrony Financial: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (75,659 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (15.1% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.