CFPB Consumer Complaint Profile
Synergy One Lending, Inc.
Consumers have filed 21 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 21
- Total complaints
- Mid-range
- 0
- Last 12 months
- 95.2%
- Timely response
- Below median
- 14
- States affected
The verdict
21 CFPB complaints put Synergy One Lending, Inc. at #2800 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 95.2%, the 30th percentile among companies with 100+ complaints.
- #2800
- of 3,843 companies by volume
- 95.2%
- on time (30th pctile)
- Mortgage
- most-complained product
- 14
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Synergy One Lending, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.2% Around the middle higher than 30% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 2 |
| 2018 | 2 |
| 2019 | 8 |
| 2020 | 9 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Synergy One Lending, Inc.
21 complaints against Synergy One Lending, Inc. appear in the CFPB record, including 0 from the trailing year. The 14 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. The specific issue named most within that category is "Applying for a mortgage or refinancing an existing mortgage," a reasonable starting point for understanding recurring friction.
Synergy One Lending, Inc.'s timely response rate stands at 95.2%, 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. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Synergy One Lending, Inc. have?
The CFPB has logged 21 complaints against Synergy One Lending, Inc. to date, of which 0 came in over the last 12 months.
Does Synergy One Lending, Inc. respond to complaints on time?
Synergy One Lending, Inc. has a 95.2% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Synergy One Lending, Inc.?
The most complained-about product for Synergy One Lending, Inc. is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Synergy One Lending, Inc.?
The most common issue reported by consumers about Synergy One Lending, Inc. is "Applying for a mortgage or refinancing an existing mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Synergy One Lending, Inc.?
You can file a complaint against Synergy One Lending, Inc. 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 Synergy One Lending, Inc.?
Synergy One Lending, Inc. has drawn CFPB complaints from 14 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.
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Synergy One Lending, Inc. have?
The CFPB has logged 21 complaints against Synergy One Lending, Inc. to date, of which 0 came in over the last 12 months.
Does Synergy One Lending, Inc. respond to complaints on time?
Synergy One Lending, Inc. has a 95.2% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Synergy One Lending, Inc.?
The most complained-about product for Synergy One Lending, Inc. is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Synergy One Lending, Inc.?
The most common issue reported by consumers about Synergy One Lending, Inc. is "Applying for a mortgage or refinancing an existing mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Synergy One Lending, Inc.?
You can file a complaint against Synergy One Lending, Inc. 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 Synergy One Lending, Inc.?
Synergy One Lending, Inc. has drawn CFPB complaints from 14 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.