SYNCHRONY FINANCIAL Complaints
fintechSynchrony Financial is a consumer financial-services company specializing in private-label and co-branded credit cards and online banking (Synchrony Bank). Headquartered in Stamford, Connecticut, it was spun off from General Electric (GE Capital) in November 2015 following its 2014 IPO.
777 Long Ridge Road, Stamford, CT 06902
SYNCHRONY FINANCIAL recorded 289 complaints this week, compared with an 8-week baseline average of 297.0 per week. This week was 1.0x its own 8-week baseline, a Near baseline week, with top complaint products of Credit card (201), Credit reporting or other personal consumer reports (46), and Debt collection (28). 100.0% of complaints were answered on time this week. It ranked 6 of 8 among tracked fintechs by spike ratio this week, compared with an average spike ratio of 1.0 across all tracked fintechs.
Category average spike ratio this week (fintechs): 1.0x — see the full category ranking.
12-week complaint volume
Week ending 2026-06-10 through 2026-08-26 (14-day lag buffer applied).
Spike ratio across tracked runs
9 recorded runs, 2026-07-14 through 2026-09-08 — this week vs. that run's own 8-week baseline each time (same spike-ratio math as above, tracked over separate runs of this site's data pipeline rather than within a single build). See How it works.
Top complaint products this week
Responsiveness & resolution this week
How SYNCHRONY FINANCIAL's complaints were resolved this week:
"Public response rate" counts only complaints where CFPB asked the company to respond publicly, and measures how often it said something substantive instead of declining to comment — see How it works.
Complaints from Older American / Servicemember consumers
21.1% of SYNCHRONY FINANCIAL's complaints this week were self-tagged by the consumer as coming from an Older American and/or Servicemember household (category average this week: 12.2%). This reflects who is filing complaints, not a finding about SYNCHRONY FINANCIAL's conduct toward these consumers — see How it works.
What customers are saying
Narrative word cloud not yet generated for SYNCHRONY FINANCIAL — currently built for the highest-volume companies only. Why.
Consumer language tone
Tone data not yet generated for SYNCHRONY FINANCIAL — currently built for the highest-volume companies only, from an occasional standalone pull, separate from this build. Why.
Distinctive complaint themes
Narrative terms that come up disproportionately more often in SYNCHRONY FINANCIAL's complaints than across the CFPB database as a whole (score = how many times more common here than the industry-wide baseline — see Trends & records for that baseline). A word-frequency signal from a sample of 3,000 narratives, not a finding about the cause of any complaint.
- mattress 280.57x
- carecredit 190.23x
- onepay 161.54x
- tjx 106.28x
- xxxxsynchrony 89.27x
- carecredits 76.52x
- trap 63.77x
- retroactive 60.29x
- lowes 58.66x
- exclusively 55.26x
Where complaints go: product → issue → outcome
Complaint flow not yet generated for SYNCHRONY FINANCIAL — currently built for the highest-volume companies only. Why.