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

Data updated July 2026

D

Grade D · 56.6/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Synchrony Financial ranks ahead of 30% of the 5,283 collectors PlainCollector grades - 70% keep a cleaner CFPB record, on 12,773 all-time complaints and a 100% timely-response rate.

30th pct
reputation rank of 5,283 graded collectors
12,773
CFPB complaints, all-time
100%
answered inside the CFPB window
3,164
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Synchrony Financial?

Synchrony Financial has accumulated 12,773 total CFPB complaints across 55 states, with 3,164 filed in the most recent 12 months against 9,609 historical complaints before that window. The trailing-12-month volume represents 24.8% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 14% consumer-dispute-after-response rate.

Complaints have been recorded across 55 states, led by California with 1,606 and Texas with 1,366. Normalized against the full CFPB collector database, the reputation score of 56.6/100 places Synchrony Financial in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

12,773

mega-volume (CCDB)

Last 12 months

3,164

24.8% of all-time complaints

Stable →

States active

55

nationwide footprint

Timely response rate

100%

excellent band

Consumer disputes

14%

average (vertical avg ~19%)

Reputation grade

D

56.6/100 composite

How does Synchrony Financial's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 30th percentile higher than 30% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Synchrony Financial versus the debt-collection vertical average.

Timely response within SLA 99.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 13.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 98.2%

Share of US states + territories with at least one filed complaint against this collector.

How does Synchrony Financial compare to its peers?

How does SYNCHRONY FINANCIAL compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2022-09 2024-11

Issue Detail Breakdown

Issue Sub-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

What to do if Synchrony Financial contacts you

A grade of D signals how Synchrony Financial's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Synchrony Financial and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Synchrony Financial ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 56.6/100), 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).

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

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.