How many CFPB complaints has SYNCHRONY FINANCIAL received?

SYNCHRONY FINANCIAL has received 56,697 complaints filed with the Consumer Financial Protection Bureau since 2011, giving a complaint rate of 6.80 per 1,000 estimated customers.

Has SYNCHRONY FINANCIAL been fined by federal regulators?

SYNCHRONY FINANCIAL has active or recent enforcement actions from one or more federal regulators. ComplaintRate tracks enforcement from the OCC, CFPB, Federal Reserve, FTC, DOJ, and NCUA.

What is SYNCHRONY FINANCIAL's complaint rate per 1,000 customers?

SYNCHRONY FINANCIAL has a complaint rate of 6.80 per 1,000 estimated customers based on CFPB complaint data normalised against FDIC deposit data.

Does SYNCHRONY FINANCIAL respond to CFPB complaints?

SYNCHRONY FINANCIAL responds to 99.9% of CFPB complaints within the required 15-day timeframe. This meets the 90%+ standard ComplaintRate considers satisfactory.

Is SYNCHRONY FINANCIAL FDIC insured?

SYNCHRONY FINANCIAL is included in the FDIC BankFind database. FDIC deposit insurance covers up to $250,000 per depositor per ownership category at insured institutions.

SYNCHRONY FINANCIAL Complaint Rate — ComplaintRate.com

SYNCHRONY FINANCIAL

BANK

HIGHER RATE THAN 99% OF SCORED PEERS

Data last verified: April 2026 snapshot|19 federal data sources|Methodology ›

Known as:Amazon Store Card·Amazon Prime Store Card·PayPal Credit·PayPal Cashback Mastercard·CareCredit·+14 more

Complaint rate · per 1,000 customersscale 0–10

Sector median 0.48 · Lowest in dataset 0.21

A higher federal complaint rate per customer than any other institution in the 45-bank scored dataset.

Methodological confidence: MEDIUM · n=56,697 complaints over 14 years

Customer ratio

1 in 147

customers filed a federal complaint

Resolved with relief

32%

received monetary or non-monetary relief

Daily volume

10.9

complaints per day · 2011–2025 average

31.7× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); 14.2× the sector median; higher rate than 99.91% of 45 scored institutions.

24-month trajectory · monthly complaint rate

Where complaints concentrate · top 3 product categories

Credit cards

4.80/1k

39,999

Money transfers

2.03/1k

16,935

Debt collection

1.40/1k

11,632

TOTAL COMPLAINTS

56,697

2011–2025

YEAR-ON-YEAR

↑ 34%

above baseline

RESOLUTION RATE

32%

above CFPB median

SHADOW RATE

~136/1k

directional

FEDERAL CONSENSUS

1 / 6

agencies on record

5 nearest rates in scored dataset

ALLY FINANCIAL INC.

1.12/1k

FIRST NATIONAL BANK OF OMAHA

1.12/1k

CAPITAL ONE FINANCIAL CORPORATION

2.10/1k

BARCLAYS BANK DELAWARE

5.10/1k

▸ SYNCHRONY FINANCIAL

6.80/1k

Federal data sources

CFPB↗OCC↗FDIC↗FTC↗Independent analysis · not affiliated with any government agency

WHAT THIS MEANS FOR YOU

SYNCHRONY FINANCIAL has a complaint rate of 6.80 per 1,000 customers — above most US institutions we track.

At 6.80 complaints per 1,000 customers, this institution generates roughly 23× more federal complaints than well-rated banks. The 56,697 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.

→

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.

Complaint Profile

Rate / 1,000 customersⓘCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.6.80/1k

Total complaints (2011–2025)ⓘTotal complaints filed with the CFPB since 2011. Use the rate above for a fair cross-institution comparison.56,697

Year-on-year changeⓘChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.+34%worsening

Timely response rateⓘ% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.99.9%

Complaint rate normalised per 1,000 estimated customers. Lower is better. National median ≈ 0.30/1k for well-rated institutions.

Regulatory Enforcement Record

OCC (Office of the Comptroller)

Federal Reserve

CFPB (Consumer Financial)

FinCEN (Anti-money laundering)

FTC (Federal Trade Commission)

HUD (Mortgage Review Board)

GSE Suspension

● Red dot = active or recent enforcement action by that federal agency. This means regulators found systemic problems serious enough to take formal action.

Financial Health Indicators

Net charge-off rateⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.5.66%↑ elevated — loan losses high

Tier 1 capital ratioⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.13.7%✓ adequate buffer

Loan loss reserve ratioⓘFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.10.17%

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

Top Complaint Categories

Incorrect information on your report1190%

Improper use of your report960%

Problem with a purchase shown on your statement900%

Breakdown of complaint types filed with the CFPB by customers of this institution. Use this to understand which products or services generate the most problems.

Timely response rate99.9%✓ good

% of CFPB complaints answered within the required timeframe. Below 90% is a warning sign.

Risk Flags

⚑Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)

⚑Federal litigation on record via CourtListener/PACER

Data Sources Used (23 Layers)

●CFPB Complaints

●OCC Enforcement

●Fed Enforcement

●CFPB Enforcement

●FinCEN / AML

●FDIC Failures

●HMDA Denial Rates

●CRA Rating

●TARP Bailout

●Call Report (NCO/T1)

●DFAST Stress Test

●FTC Enforcement

●HUD MRB

●GSE Suspension

Green = data available for this institution. Grey = source exists but no data for this institution in that category.

FULL DATA BREAKDOWN

COMPLAINT RATEⓘCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.

6.80/1k

National median ≈ 0.30/1k

Source: CFPB →

ⓘMedium confidence

TOTAL COMPLAINTS

56,697

2011–2025 · CFPB database

Source: CFPB →

TIMELY RESPONSE RATE

99.9%

Threshold: 90%+

Source: CFPB →

YEAR-ON-YEAR TRENDⓘChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.

↑ 34%

Worsening trend

NET CHARGE-OFF RATEⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.

5.66%

Loan losses written off

Source: FDIC Call Report →

TIER 1 CAPITAL RATIOⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher = stronger buffer against financial stress.

13.7%

Regulatory min ≈ 10%

Source: FDIC Call Report →

RESOLUTION QUALITY

32/100

Response quality score · CFPB

Source: CFPB →

BETTER-RATED ALTERNATIVES

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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 ›