Old Navy Visa
Card complaint rating · Based on federal CFPB data
Who actually runs this card
Old Navy Visa is issued by SYNCHRONY FINANCIAL
Old Navy handles the shopping experience. SYNCHRONY FINANCIAL handles everything else — billing, interest, credit reporting, and customer complaints. When something goes wrong with your Old Navy Visa, you are dealing with SYNCHRONY FINANCIAL, not Old Navy.
See full SYNCHRONY FINANCIAL complaint rating →If you hold the Old Navy Visa, you are with one of the most complained-about financial institutions in the US. Here is what the federal data shows.
1 in 147 customers felt they had no choice but to complain officially
This is not a complaint to customer service. This is a formal complaint filed with the US government, on permanent public record — the last resort after everything else failed.
38,820 people complained officially and got absolutely nothing
That is 68% of everyone who escalated. They filed. They waited. They were told no. No money returned. No correction made.
Only 19% of complaints resulted in any money being returned
A further 66% were closed with an explanation only — the institution said "we disagree." No money moved. No correction made. The complaint was marked resolved.
100% response rate — but only 32% of complaints were actually resolved
The law requires a reply within 15 days — and they met that. But replying is not the same as fixing. The data shows they are far better at responding than resolving.
10.9 new official complaints filed every single day
At this volume, complaints are being filed around the clock, 365 days a year. This is not occasional bad luck — it is ongoing at scale.
71% of all complaints come from Credit Cards alone
That is 39,999 individual complaints in one product area. If you hold a credit cards account here, this risk applies directly to you.
2 separate product categories independently exceed the High Risk threshold
This is not one poorly-run product line. Multiple areas of this institution generate above-average complaint rates — suggesting the problem is systemic, not isolated.
14.2× worse than the average rated institution
This is not marginally above average — it is a structural gap. The median institution generates a fraction of the complaints per customer.
6.1× lower complaint rate at ALLY FINANCIAL INC.
That institution has a rate of 1.12 per 1,000 customers — based on the exact same federal data. Switching would statistically reduce your likelihood of facing this situation.
The 56,697 official complaints may represent up to 1,133,940 affected customers
Research published by the US Consumer Financial Protection Bureau suggests only around 5% of consumers who have a problem ever file an official complaint. The official record is likely the visible tip of a much larger pattern.
Credit Cards — 4.80 complaints per 1,000 customers
Customers most commonly report unexpected charges appearing on their statement, accounts closed without any warning, and billing errors that damaged their credit score — often taking months to dispute.
A note on accuracy: this institution's customer base is estimated from deposit data rather than directly measured. The complaints are real federal filings. The rate per customer carries some uncertainty — treat it as a strong directional signal.
All figures from the CFPB Consumer Complaint Database and FDIC BankFind — US federal public records.
★ Lower-Risk Alternatives
You can't directly replace a store card with a bank account — but you can move your main banking to an institution with a much better complaint record, which limits your exposure if something goes wrong with billing, fraud, or disputes.
ALLY FINANCIAL INC.
6.1× lower complaint rate than SYNCHRONY FINANCIAL
- Federal data records a complaint rate of 1.12/1,000 customers
- Switching your primary bank takes about 2 hours of active effort — see our guide
- You can keep your Old Navy Visa — this just moves your main banking to a lower-risk institution
▶ See 2 more alternatives
FIRST NATIONAL BANK OF OMAHA
6.1× lower · 1.12/1k
CAPITAL ONE FINANCIAL CORPORATION
3.2× lower · 2.10/1k
“But switching banks sounds like a headache.”
It usually isn't. The average US bank switch takes under 2 hours of active effort, spread across about 10 days. You keep your Old Navy Visa — you just move your main banking somewhere with a better complaint record.
Read our step-by-step switching guide →This page shows complaint data for SYNCHRONY FINANCIAL, the issuing institution behind the Old Navy Visa. All data is sourced from the CFPB public complaint database and FDIC BankFind — US federal public records. See the full SYNCHRONY FINANCIAL institution page →