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Data / Consumer complaints / Synchrony Financial

Synchrony Financial: 38,889 CFPB consumer complaints in the last 3 years

Synchrony Financial drew 38,889 consumer complaints in the CFPB database in the three years to November 6, 2026, and 85,926 since 2011. The largest group, 20,559, was about credit card, and the most common issue was “Incorrect information on your report” with 5,489. The company responded on time to 98.2% of the complaints, and 20.9% closed with monetary or other relief. The CFPB records the company as SYNCHRONY FINANCIAL.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every credit card companyGet credit card in California
  • 38,889Complaints, last 3 years
  • 85,926Complaints, all years
  • 98.2%Responded on time
  • 20.9%Closed with relief
  • 10Products
  • Oct 29, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 613,937
202513,650
202410,170
20237,095
20225,868
20215,326
20204,842
20194,653
20184,676
20173,888
20163,050
20152,885
20142,743
20131,590
20121,467
201186

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit card20,55952.9%
Credit reporting or other personal consumer reports10,76827.7%
Debt collection5,84915%
Checking or savings account7061.8%
Payday loan, title loan, personal loan, or advance loan6051.6%
Money transfer, virtual currency, or money service2180.6%
Debt or credit management890.2%
Vehicle loan or lease530.1%
Prepaid card360.1%
Mortgage60.1%

Issues

IssueComplaintsShare
Incorrect information on your report5,48914.1%
Problem with a purchase shown on your statement4,88712.6%
Fees or interest4,43511.4%
Improper use of your report4,20210.8%
Took or threatened to take negative or legal action2,1525.5%
Closing your account2,1195.4%
Problem with a company's investigation into an existing problem2,0125.2%
Attempts to collect debt not owed1,9785.1%
Other features, terms, or problems1,9545%
Getting a credit card1,9054.9%
Problem when making payments1,8144.7%
Advertising and marketing, including promotional offers1,1993.1%
Trouble using your card9732.5%
Written notification about debt6391.6%
False statements or representation6331.6%
Managing an account4331.1%
Communication tactics3240.8%
Charged fees or interest you didn't expect2270.6%
Struggling to pay your bill1970.5%
Credit monitoring or identity theft protection services1790.5%
Closing an account1210.3%
Problem with fraud alerts or security freezes850.2%
Problem with a lender or other company charging your account730.2%
Problem with additional add-on products or services710.2%
Fraud or scam650.2%

How the company responded

Company responseComplaintsShare
Closed with explanation29,25475.2%
Closed with non-monetary relief4,35711.2%
Closed with monetary relief3,7719.7%
In progress1,5063.9%
Untimely response10.1%

States

StateComplaintsShare
California4,77212.3%
Florida4,33111.1%
Texas4,07510.5%
New York2,6946.9%
Georgia2,1305.5%
North Carolina1,5664%
New Jersey1,3893.6%
Pennsylvania1,3743.5%
Illinois1,1783%
Ohio9832.5%
Virginia9282.4%
Michigan9242.4%
Arizona8802.3%
Maryland8452.2%
South Carolina7712%
Tennessee7091.8%
Massachusetts7031.8%
Washington5701.5%
Colorado5511.4%
Indiana5431.4%
Alabama5241.3%
Nevada5001.3%
Louisiana4981.3%
Missouri4351.1%
Connecticut4261.1%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 29, 2026Credit cardFees or interestClosed with monetary reliefconsumerfinance.gov
October 29, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
October 29, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 28, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
October 28, 2026Credit cardFees or interestClosed with monetary reliefconsumerfinance.gov
October 28, 2026Credit cardIncorrect information on your reportIn progressconsumerfinance.gov
October 28, 2026Credit cardGetting a credit cardIn progressconsumerfinance.gov
October 28, 2026Credit cardFees or interestIn progressconsumerfinance.gov
October 28, 2026Credit cardFees or interestIn progressconsumerfinance.gov
October 28, 2026Credit cardFees or interestIn progressconsumerfinance.gov
October 28, 2026Credit cardIncorrect information on your reportIn progressconsumerfinance.gov
October 28, 2026Credit cardProblem when making paymentsIn progressconsumerfinance.gov
October 28, 2026Credit cardOther features, terms, or problemsIn progressconsumerfinance.gov
October 28, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 28, 2026Credit cardTrouble using your cardIn progressconsumerfinance.gov
October 28, 2026Credit cardClosing your accountIn progressconsumerfinance.gov
October 28, 2026Credit cardTrouble using your cardIn progressconsumerfinance.gov
October 28, 2026Credit cardTrouble using your cardIn progressconsumerfinance.gov
October 28, 2026Debt collectionTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 28, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 28, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
October 28, 2026Credit cardFees or interestIn progressconsumerfinance.gov
October 28, 2026Credit cardFees or interestIn progressconsumerfinance.gov
October 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 28, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 28, 2026Credit cardAdvertising and marketing, including promotional offersIn progressconsumerfinance.gov
October 28, 2026Credit cardClosing your accountIn progressconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 27, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 27, 2026Credit cardClosing your accountIn progressconsumerfinance.gov
October 27, 2026Credit cardClosing your accountIn progressconsumerfinance.gov
October 27, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 27, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 27, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 27, 2026Credit cardProblem when making paymentsIn progressconsumerfinance.gov
October 27, 2026Credit cardProblem when making paymentsIn progressconsumerfinance.gov
October 27, 2026Credit cardOther features, terms, or problemsIn progressconsumerfinance.gov
October 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 27, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 27, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
October 27, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 27, 2026Credit cardTrouble using your cardClosed with explanationconsumerfinance.gov
October 27, 2026Credit cardOther features, terms, or problemsIn progressconsumerfinance.gov
October 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.