Card issuer · complaint record
Synchrony complaints
Filed under SYNCHRONY FINANCIAL
Consumers have filed 86,256 complaints about Synchrony since 2011, 16,479 of them in the last 12 months (+29% on the year before). It answered 96% on time and closed 16% with relief for the customer - less often than a typical card issuer. The most common problem is problem with a purchase shown on your statement. It is the 3rd most complained-about of 52 credit card companies this year.
Weak response record. How it works
- Complaints on record
- 86,256
- Last 12 months
- 16,479
- Answered on time
- 96%
- Closed with relief
- 16%
- Last 30 days
- 823
- Rank
- #3 of 52
Since December 2011
+29% vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Nov 5, 2026
Most complained-about credit card companies
Synchrony complaints by month
The busiest month was January 2026 (1,713 complaints). Complaints in the last 12 months are up 29% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Synchrony answered last 12 months
- Closed with monetary relief1,3278.1%
- Closed with non-monetary relief1,1186.8%
- Closed with explanation12,41775.4%
- In progress1,6179.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time27/4596% on time
- Relief for customers12/4016.5% closed with relief
- Complaint trend7/15+29% vs last year
What Synchrony complaints are about
Top Synchrony problems last 12 months
Inside "Problem with a purchase shown on your statement"
- Credit card company isn't resolving a dispute about a purchase on your statement 6,329
- Card was charged for something you did not purchase with the card 1,934
- Overcharged for something you did purchase with the card 331
Where Synchrony complaints come from
Most complaints: California (10,575), Florida (9,051), Texas (8,000), New York (6,282), Georgia (4,289).
Synchrony compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Capital OneCredit cards | 67 | 34,760 | B |
| 2 | CitibankCredit cards | 86 | 24,056 | A |
| 3 | SynchronyCredit cards | 46 | 16,479 | D |
| 4 | American ExpressCredit cards | 68 | 11,560 | B |
| 5 | Bread Financial (Comenity)Credit cards | 82 | 10,455 | A |
| 6 | Goldman Sachs Bank (Apple Card, Marcus)Credit cards | 75 | 6,413 | B |
| 7 | Barclays USCredit cards | 55 | 5,690 | C |
| 8 | DiscoverCredit cards | 75 | 2,745 | B |
Compare side by side: Synchrony vs Capital One · Synchrony vs Citibank · Synchrony vs American Express · Synchrony vs Bread Financial
What people say about Synchrony
All experiencesNo experiences with Synchrony yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Synchrony complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 5, 2026 | Credit cards | Closing your accountCompany closed your account | Explained |
| Nov 5, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Nov 5, 2026 | Credit cards | Closing your accountCompany closed your account | In progress |
| Nov 5, 2026 | Credit cards | Fees or interestProblem with fees | In progress |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | In progress |
| Nov 5, 2026 | Credit cards | Fees or interestCharged too much interest | In progress |
| Nov 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 5, 2026 | Credit cards | Fees or interestCharged too much interest | In progress |
| Nov 5, 2026 | Credit cards | Problem when making paymentsProblem during payment process | In progress |
| Nov 4, 2026 | Credit cards | Trouble using your cardCan't use card to make purchases | In progress |
| Nov 4, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | In progress |
| Nov 4, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
Questions about Synchrony
How many complaints does Synchrony have?
Synchrony has 86,256 complaints on record since December 2011, including 16,479 in the last 12 months and 823 in the last 30 days. That makes it number 15 of every company by complaints this year.
Does Synchrony respond to complaints?
Yes. Synchrony answered 96% of its complaints on time (within 15 days) and closed 16% with relief - money back or a fix; 8.9% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 46/100 (grade D).
What do people complain about most with Synchrony?
The most common problems are problem with a purchase shown on your statement (8,594), incorrect information on your report (10,433), fees or interest (6,738).
Is Synchrony legit?
Synchrony is a real company with a public complaint record: consumers have complained about it 86,256 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Synchrony legit? for the signals, red flags and how to protect yourself.
Are complaints about Synchrony going up or down?
Up. There were 16,479 complaints in the last 12 months against 12,735 in the 12 before (+29%). See every month.
How do I file a complaint against Synchrony?
Complain to Synchrony in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Synchrony complaints come from?
Most come from California (10,575), Florida (9,051), Texas (8,000). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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