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 2026-05-15
- 75,659
- Total complaints
- 14,395
- Last 12 months
- 99.9%
- Timely response
- 60
- States affected
The verdict
75,659 CFPB complaints put Synchrony Financial at #9 out of 3,848 financial companies ranked by complaint volume. 99.9% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #9
- of 3,848 companies by volume
- 99.9%
- answered on time
- Credit reporting or …
- most-complained product
- 60
- states with complaints
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 |
| 2026 | 3,705 |
Complaints by State (Top 15)
Company Responses
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 was formally disputed in 15.1% of resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 31.6% closed with the consumer receiving monetary or non-monetary relief.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~75,659)
Also handles Credit reporting or other personal consumer reports
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.