BANK
HIGHER RATE THAN 97% OF SCORED PEERS
Known as:Amazon Store Card·Amazon Prime Store Card·PayPal Credit·PayPal Cashback Mastercard·CareCredit·+14 more
Complaint rate · per 1,000 est. customersscale 0–10
Median of 36 scored 0.52 · Lowest in dataset 0.09
A higher federal complaint rate per customer than 97% of scored peers.
Methodological confidence: MEDIUM · n=57,169 complaints over 14 years
Complaint rate
6.86
per 1,000 estimated customers
Resolved with relief
31%
received monetary or non-monetary relief
Daily volume
11.2
complaints per day · 2011–2026 average
13.1× the median of the 36 scored institutions; higher rate than 97.20% of scored institutions.
In the Evidence Pack
·Full issue & sub-issue breakdown, with counts
·24-month complaint-rate trajectory
·A worsening pattern exists (directional)
·Hash-verified provenance on file
Where complaints concentrate · top 3 product categories
Credit cards
4.78/1k
39,854
Money transfers
1.92/1k
16,005
Debt collection
1.47/1k
12,232
5 nearest rates in scored dataset
1.13/1k
2.07/1k
2.65/1k
5.10/1k
6.86/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
SYNCHRONY FINANCIAL has a complaint rate of 6.86 per 1,000 estimated customers — above most US institutions we track.
At 6.86 complaints per 1,000 estimated customers, this institution ranks among the highest-rate institutions we track. The 57,169 complaints on record represent only the subset of customers who escalated to a formal federal complaint — CFPB research indicates roughly 1 in 20 consumers with a financial problem files one.
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If you currently hold an account here, review your rights under federal consumer protection law. If you are considering opening an account, carefully review the complaint categories below and consider the well-rated alternatives at the bottom of this page.
FULL RECORD
Complaint Profile
Rate / 1,000 est. customers6.86/1k
Total complaints (2011–2026)57,169
Year-on-year trendWorsening
Timely response rate99.7%
Complaint rate normalised per 1,000 estimated customers.
Financial Health Indicators
Net charge-off rate5.66%↑ elevated — loan losses high
Tier 1 capital ratio13.7%✓ adequate buffer
Loan loss reserve ratio10.17%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
DFAST stress test (Fed)8.0% CET1 stressed
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
The full issue and sub-issue breakdown for SYNCHRONY FINANCIAL, with per-issue complaint counts, is included in the Evidence Pack.
Request the Evidence Pack →Methodological notes
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Federal litigation on record via CourtListener/PACER
Institution Status
No DNA profile signals computed for this institution.
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›