BANK
HIGHER RATE THAN 98% 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 customersscale 0–10
Sector median 0.49 · Lowest in dataset 0.09
A higher federal complaint rate per customer than 98% of scored peers.
Methodological confidence: MEDIUM · n=57,169 complaints over 14 years
Customer ratio
1 in 141
customers filed a federal complaint
Resolved with relief
31%
received monetary or non-monetary relief
Daily volume
11.2
complaints per day · 2011–2025 average
80.6× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 14.0× the sector median; higher rate than 98.08% of scored institutions.
24-month trajectory · monthly complaint rate
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 customers — above most US institutions we track.
At 6.86 complaints per 1,000 customers, this institution generates roughly 23× more federal complaints than well-rated banks. 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 customers6.86/1k
Total complaints (2011–2025)57,169
Year-on-year change+34%worsening
Timely response rate99.7%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
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
12%
10%
9%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
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 ›