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Synchrony complaints

16,291 complaints in the last 12 months · trend ▲ 31.3% (last 12 mo 16,291 vs prior 12 mo 12,406) · timely response 98.3% (last 36 mo) · 189.5 per $1B of deposits

Complaints per year

• 20204,842
• 20215,326
• 20225,868
• 20237,095
• 202410,170
• 202513,650
• 2026*12,728

*2026 is year-to-date through 2026-10-12.

Top issues (last 36 months, 38,187 complaints)

• Incorrect information on your report5,394 (14%)
• Problem with a purchase shown on your statement4,732 (12%)
• Fees or interest4,290 (11%)
• Improper use of your report4,254 (11%)
• Took or threatened to take negative or legal action2,147 (6%)

Products

• Credit card20,011
• Credit reporting or other personal consumer reports10,719
• Debt collection5,778
• Checking or savings account690

How the company responded

• Closed with explanation28,594
• Closed with non-monetary relief4,401
• Closed with monetary relief3,767
• In progress1,413
• Untimely response12

Insurance / charter status

FDIC-insured: Synchrony Bank (cert 27314, active; deposits $86.0B as of 06/30/2026)

CFPB company name(s): SYNCHRONY FINANCIAL. Brands: Synchrony, PayPal Cashback Mastercard. Data as of 2026-10-12. See it in the CFPB database ↗

CFPB: complaints are not verified and are not a statistical sample; counts track company size and product mix. Per-$1B-deposit rates divide last-12-month complaints by FDIC-reported domestic deposits of the mapped bank, and the CFPB entity can include non-bank products.

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FAQ

How many complaints does Synchrony get?

16,291 CFPB complaints in the 12 months to 2026-10-12.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.