Synchrony Financial Consumer Complaints
Synchrony Financial has received 78,953 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Jun 1, 2026Key Takeaways
- 78,953 total complaints on file with the CFPB.
- Most complaints are about Credit card (25,784).
- Timely response rate: 99.6%.
- Consumer disputed rate: 15.1% of resolved complaints.
Complaints by Product
The following table shows how complaints against Synchrony Financial break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Credit card | 25,784 | 32.7% |
| Credit card or prepaid card | 16,202 | 20.5% |
| Debt collection | 12,398 | 15.7% |
| Credit reporting or other personal consumer reports | 9,941 | 12.6% |
| Credit reporting, credit repair services, or other personal consumer reports | 9,226 | 11.7% |
| Checking or savings account | 1,385 | 1.8% |
| Bank account or service | 746 | 0.9% |
| Money transfer, virtual currency, or money service | 700 | 0.9% |
| Consumer Loan | 682 | 0.9% |
| Payday loan, title loan, or personal loan | 631 | 0.8% |
| Payday loan, title loan, personal loan, or advance loan | 528 | 0.7% |
| Mortgage | 224 | 0.3% |
| Credit reporting | 183 | 0.2% |
| Vehicle loan or lease | 133 | 0.2% |
| Debt or credit management | 81 | 0.1% |
| Prepaid card | 52 | 0.1% |
| Payday loan | 42 | 0.1% |
| Money transfers | 9 | 0.0% |
| Other financial service | 4 | 0.0% |
| Student loan | 2 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Synchrony Financial.
Company Response Breakdown
When consumers file complaints, Synchrony Financial responds in one of several ways. The breakdown below shows how Synchrony Financial has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 52,683 | 66.7% |
| Closed with non-monetary relief | 12,732 | 16.1% |
| Closed with monetary relief | 11,166 | 14.1% |
| In progress | 1,631 | 2.1% |
| Closed without relief | 377 | 0.5% |
| Closed with relief | 250 | 0.3% |
| Closed | 92 | 0.1% |
| Untimely response | 22 | 0% |
Complaints by State
Top states where consumers have filed complaints against Synchrony Financial.
| State | Complaints |
|---|---|
| California | 9,625 |
| Florida | 8,219 |
| Texas | 7,185 |
| New York | 5,756 |
| Georgia | 3,987 |
| Pennsylvania | 3,018 |
| North Carolina | 2,924 |
| New Jersey | 2,873 |
| Illinois | 2,524 |
| Ohio | 2,484 |
| Virginia | 2,036 |
| Maryland | 1,953 |
| Michigan | 1,851 |
| Arizona | 1,746 |
| Massachusetts | 1,517 |
| Tennessee | 1,456 |
| South Carolina | 1,370 |
| Washington | 1,140 |
| Colorado | 1,098 |
| Alabama | 1,060 |
Your Rights
What to do if you have a complaint against Synchrony Financial
- Contact Synchrony Financial directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Synchrony Financial have?
Synchrony Financial has 78,953 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Synchrony Financial?
The most common issue reported is Incorrect information on your report with 9,509 complaints.
-
How do I file a complaint against Synchrony Financial?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Synchrony Financial respond to complaints on time?
Synchrony Financial has a 99.6% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.