This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 12,773 complaints

Synchrony Financial - Debt Collector Complaint Profile

CFPB complaint profile across 55 states, reputation grade D.

Complaints by issue type

What consumers report about Synchrony Financial

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record synchrony-financial Synchrony Financial

Grade D · 12,773 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #14 · compose #196

  • VOL 12,773
  • GRADE D
  • 12MO 3,164
  • STATES 55
  • TIMELY 100%
  • DISPUTE 14%
  • ISSUE Attempts to collect debt n…
  • RANK #14
  • COMPOSE #196

Volume peers

Nearest volume peer: Citibank, N.a. (12,068 complaints)

Bread Financial Holdings, Inc.Bread Financial Holdings, In…10,403ERCERC10,563Citibank, N.a.Citibank, N.a.12,068Synchrony Financial (this)Synchrony Financial (this)12,773Kriya Capital, LLCKriya Capital, LLC13,730
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Synchrony Financial's 12,773 CFPB complaints sit next to Citibank, N.a. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 12,773 complaints break down

Every complaint issue type on record for Synchrony Financial, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.0/100
Synchrony Financial

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
12,773
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Synchrony Financial spreads filings across 55 states - California leads at only 12.6%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 12.6% across 55 states
Seasonal peak
2023-01 10.5%
8–15% band · 29 filings
Corpus ranks
#14 volume
#196 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Synchrony Financial compare to its peers?

How does SYNCHRONY FINANCIAL compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
SYNCHRONY FINANCIAL National average
Complaints (last 12 mo)lower is better
3,164
2,953
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
14%
16%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Synchrony Financial a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97%98%99%100%101% 5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) Synchrony Financial vs. 10 similar-volume peers, by response speed and dispute rate Synchrony FinancialCITIBANK, N.A.Kriya Capital, LLCERCBread Financial Holdings, Inc.CAINE & WEINER COMPANY, INC.National Credit Systems,Inc.TRANSWORLD SYSTEMS INCCAPITAL ONE FINANCIAL CORPORATIONJPMORGAN CHASE & CO.WELLS FARGO & COMPANY
Source: CFPB Consumer Complaint Database

Synchrony Financial's complaint volume in context

Synchrony Financial vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

12,773 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Synchrony Financial 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2022-09 2024-11

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
4,161
Took or threatened to take negative or legal action
2,468
Communication tactics
1,654
Written notification about debt
1,443
False statements or representation
1,303
Cont'd attempts collect debt not owed
824
Disclosure verification of debt
437
Improper contact or sharing of info
151
Threatened to contact someone or share information improperly
145
Taking/threatening an illegal action
129

Where do complaints against Synchrony Financial come from?

Synchrony Financial's own per-state count, not a national baseline.

Top states by complaints against Synchrony Financial

Across 55 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Synchrony Financial: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 12,773.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.92367706919946%.

4 peers

Know your rights before responding to Synchrony Financial: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.