Total CFPB complaints
11,792
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 11,792 complaints
SYNCHRONY FINANCIAL — Debt Collector Complaint Profile
CFPB complaint profile across 55 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SYNCHRONY FINANCIAL
- Attempts to collect debt not owed
Attempts to collect debt not owed
3,737 complaints
- Took or threatened to take negative or legal action 1,305
Took or threatened to take negative or legal action
1,305 complaints
- Written notification about debt 1,272
Written notification about debt
1,272 complaints
- Communication tactics 1,183
Communication tactics
1,183 complaints
- False statements or representation 1,095
False statements or representation
1,095 complaints
- Cont'd attempts collect debt not owed 433
Cont'd attempts collect debt not owed
433 complaints
D
Grade D · 56.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about SYNCHRONY FINANCIAL?
SYNCHRONY FINANCIAL has accumulated 11,792 total CFPB complaints across 55 states, with 2,598 filed in the most recent 12 months against 9,194 historical complaints before that window. The trailing-12-month volume represents 22.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 14% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 55 states, led by California with 1,443 and Florida with 1,241, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.6/100 places SYNCHRONY FINANCIAL in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2,598
22.0% of total history
Rising ↑
States active
55
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
D
56.6/100 composite
Response-quality profile
How SYNCHRONY FINANCIAL performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 27.3%
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?
SYNCHRONY FINANCIAL National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed3,737 (%)
Took or threatened to take negative or legal action1,305 (%)
Communication tactics1,183 (%)
False statements or representation1,095 (%)
Written notification about debt1,272 (%)
Cont'd attempts collect debt not owed433 (%)
Disclosure verification of debt331 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 1,682 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1,305 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1,230 |
| Communication tactics | Frequent or repeated calls | 1,183 |
| False statements or representation | Attempted to collect wrong amount | 1,095 |
| Written notification about debt | Didn't receive enough information to verify debt | 988 |
| Attempts to collect debt not owed | Debt was paid | 825 |
| Cont'd attempts collect debt not owed | Debt is not mine | 433 |
| Disclosure verification of debt | Not given enough info to verify debt | 331 |
| Written notification about debt | Didn't receive notice of right to dispute | 284 |
Where do complaints against SYNCHRONY FINANCIAL come from?
The states where consumers have filed the most CFPB complaints against SYNCHRONY FINANCIAL. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SYNCHRONY FINANCIAL
Across 55 states with at least one filing
- California
California
1,443 complaints
- Florida
Florida
1,241 complaints
- Texas
Texas
1,206 complaints
- New York
New York
778 complaints
- Georgia
Georgia
695 complaints
- North Carolina 436
North Carolina
436 complaints
- Pennsylvania 408
Pennsylvania
408 complaints
- New Jersey 392
New Jersey
392 complaints
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 11,792 complaints filed with the CFPB.
Are complaints against SYNCHRONY FINANCIAL increasing or decreasing? ▼
Complaints against SYNCHRONY FINANCIAL are rising. The company received 2,598 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is SYNCHRONY FINANCIAL's reputation grade? ▼
SYNCHRONY FINANCIAL has a reputation grade of D (score: 56.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (1,443 complaints).
What can I do if SYNCHRONY FINANCIAL is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If SYNCHRONY FINANCIAL violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |