Synchrony Financial — CFPB Complaint Data

By US Debt Wire Editorial TeamUpdated July 13, 2026

Data source: CFPB Consumer Complaint Database. Data current as of July 13, 2026. View the live CFPB record.

A CFPB complaint means a consumer submitted a complaint against Synchrony Financial and the company was given a chance to respond — it isn't a lawsuit, a fine, or a verified finding that the company did something wrong. Raw complaint counts also aren't adjusted for company size: a large national company will show more complaints than a small one even if it handles a lower share of its accounts poorly.

53% of Synchrony Financial's complaints on record are about "took or threatened to take negative or legal action" — the single most common issue category.

Total complaints (ingested)
15
Trailing 12 months
15
Timely response rate
100%
Responded within CFPB's 15-day window — not whether it was resolved.

Top complaint issues

The specific problems people reported, most common first.

  • Took or threatened to take negative or legal action — what to do8
  • Incorrect information on your report2
  • Written notification about debt — what to do1
  • Received a loan you didn't apply for1
  • Problem when making payments1

Complaint trend (monthly)

  • 2026-04: 15

State distribution

Where complaints against Synchrony Financial are coming from.

Who is Synchrony Financial? Read the identification page →