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Data / Consumer complaints / Synchrony Financial / Payday loan, title loan, personal loan, or advance loan

Synchrony Financial: 605 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Synchrony Financial drew 605 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 1.6% of its 38,889 complaints in that time. The most common issue was “Charged fees or interest you didn't expect”. The company responded on time to 98.2% of them, and 23.5% closed with monetary or other relief.

The request: Watch Synchrony Financial: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.

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.

  • 605Complaints, last 3 years
  • 1.6%Share of the company's complaints
  • 98.2%Responded on time
  • 23.5%Closed with relief
  • Oct 23, 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, 202624540.5%
12 months to Nov 6, 202521535.5%
12 months to Nov 6, 202414524%

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect22737.5%
Problem when making payments13622.5%
Problem with additional add-on products or services7111.7%
Problem with the payoff process at the end of the loan437.1%
Getting the loan335.5%
Getting a line of credit244%
Struggling to pay your loan233.8%
Incorrect information on your report152.5%
Credit limit changed81.3%
Improper use of your report81.3%
Problem with a company's investigation into an existing problem81.3%
Can't contact lender or servicer20.3%
Credit monitoring or identity theft protection services20.3%
Problem with cash advance20.3%
Confusing or missing disclosures10.2%
Problem with fraud alerts or security freezes10.2%
Received a loan you didn't apply for10.2%

How the company responded

Company responseComplaintsShare
Closed with explanation42970.9%
Closed with monetary relief11018.2%
In progress345.6%
Closed with non-monetary relief325.3%

States

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

StateComplaintsShare
California6310.4%
Florida6210.2%
Texas599.8%
New York498.1%
Pennsylvania264.3%
Georgia254.1%
Illinois244%
New Jersey244%
North Carolina223.6%
Maryland183%
Michigan172.8%
Virginia172.8%
South Carolina132.1%
Tennessee132.1%
Arizona122%
Colorado111.8%
Indiana111.8%
Louisiana111.8%
Ohio111.8%
Massachusetts101.7%
Oregon91.5%
Kansas81.3%
Washington81.3%
Wisconsin81.3%
Connecticut71.2%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanIn progressconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectIn progressconsumerfinance.gov
October 22, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanIn progressconsumerfinance.gov
October 22, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectIn progressconsumerfinance.gov
October 21, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
October 20, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanIn progressconsumerfinance.gov
October 19, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
October 19, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
October 19, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
October 17, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesIn progressconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanIn progressconsumerfinance.gov
October 12, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectIn progressconsumerfinance.gov
October 12, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectIn progressconsumerfinance.gov
October 10, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectIn progressconsumerfinance.gov
October 10, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectIn progressconsumerfinance.gov
October 9, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
October 8, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanIn progressconsumerfinance.gov
October 6, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
October 5, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectIn progressconsumerfinance.gov
October 5, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
October 5, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesIn progressconsumerfinance.gov
September 29, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with non-monetary reliefconsumerfinance.gov
September 29, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectIn progressconsumerfinance.gov
September 28, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov

Also on SpecStream

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.