Debt collection
Synchrony debt collection complaints
Consumers have filed 13,445 complaints about Synchrony's debt collection, 2,898 in the last 12 months (+49%). Synchrony answered 96.9% on time and closed 6% with relief. See the whole Synchrony record.
Synchrony against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Synchrony | 2,898 | 96.9% | 6% |
Latest Synchrony debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Nov 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Nov 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Nov 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Nov 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Nov 2, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Nov 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Nov 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Oct 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 30, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you in a state where you do not live or did not sign for the debt | In progress |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 28, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 28, 2026 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 28, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Oct 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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