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Data / Consumer complaints / Synchrony Financial / Credit card

Synchrony Financial: 20,559 CFPB complaints about credit card, last 3 years

Synchrony Financial drew 20,559 consumer complaints about credit card in the CFPB database in the three years to November 6, 2026, 52.9% of its 38,889 complaints in that time. The most common issue was “Problem with a purchase shown on your statement”. The company responded on time to 98.0% of them, and 22.5% closed with monetary or other relief.

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.

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  • 20,559Complaints, last 3 years
  • 52.9%Share of the company's complaints
  • 98.0%Responded on time
  • 22.5%Closed with relief
  • Oct 29, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20269,35645.5%
12 months to Nov 6, 20256,01729.3%
12 months to Nov 6, 20245,18625.2%

Issues

IssueComplaintsShare
Problem with a purchase shown on your statement4,88623.8%
Fees or interest4,43521.6%
Closing your account2,11910.3%
Other features, terms, or problems1,9549.5%
Getting a credit card1,9059.3%
Problem when making payments1,6788.2%
Advertising and marketing, including promotional offers1,1995.8%
Trouble using your card9734.7%
Incorrect information on your report6893.4%
Problem with a company's investigation into an existing problem3231.6%
Struggling to pay your bill1971%
Improper use of your report1410.7%
Credit monitoring or identity theft protection services320.2%
Problem with fraud alerts or security freezes180.1%
Unable to get your credit report or credit score100.1%

How the company responded

Company responseComplaintsShare
Closed with explanation14,88072.4%
Closed with monetary relief3,34516.3%
Closed with non-monetary relief1,2736.2%
In progress1,0605.2%
Untimely response10.1%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
California2,65412.9%
Florida2,17710.6%
Texas1,8318.9%
New York1,4387%
Georgia8394.1%
North Carolina7793.8%
New Jersey7633.7%
Pennsylvania7543.7%
Ohio6052.9%
Illinois6042.9%
Michigan5292.6%
Virginia5142.5%
Arizona4762.3%
Massachusetts4232.1%
Maryland4122%
Tennessee3811.9%
Washington3671.8%
Colorado3461.7%
South Carolina3361.6%
Indiana3111.5%
Missouri2751.3%
Nevada2751.3%
Connecticut2581.3%
Minnesota2471.2%
Louisiana2371.2%

Latest 25 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, 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, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 28, 2026Credit cardFees or interestIn progressconsumerfinance.gov
October 28, 2026Credit cardFees or interestIn progressconsumerfinance.gov
October 28, 2026Credit cardAdvertising and marketing, including promotional offersIn progressconsumerfinance.gov
October 28, 2026Credit cardClosing your accountIn progressconsumerfinance.gov
October 27, 2026Credit cardProblem with a purchase shown on your statementIn progressconsumerfinance.gov
October 27, 2026Credit cardClosing your accountIn 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.