What is the most common complaint against Synchrony Financial?

The most common issue consumers report about Synchrony Financial is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 12,773 complaints filed with the CFPB.

Are complaints against Synchrony Financial increasing or decreasing?

Complaints against Synchrony Financial have been stable. The company received 3,164 complaints in the last 12 months.

What is Synchrony Financial's reputation grade?

Synchrony Financial has a reputation grade of D (score: 54.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Synchrony Financial respond to consumer complaints?

Synchrony Financial has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does Synchrony Financial operate?

Synchrony Financial has received CFPB complaints from consumers in 55 states, with the most complaints from California (1,606 complaints).

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

Synchrony Financial - Debt Collector Complaint Profile

CFPB complaint profile across 55 states, reputation grade D.

Compiled by PlainCollector

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

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 #3556

VOL 12,773
GRADE D
12MO 3,164
STATES 55
TIMELY 100%
DISPUTE 14%
ISSUE Attempts to collect debt n…
RANK #14
COMPOSE #3,556

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Synchrony Financial still sits volume #14 against composite #3,556 - the two RankMaps diverge by 3,542 places. 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
Divergent corpus ranks: #14 volume; #3,556 composite; Cleanest-composite ladder is 3,542 places worse than volume

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%

91%

Consumer-dispute ratelower is better

14%

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

1,606
Texas

1,366
Florida

1,309
New York

834
Georgia

749
North Carolina

497
Pennsylvania

435
New Jersey

415

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.