Debt collection -- False statements or representation -- Complaint #10056268
Complaint Overview
Complaint ID: 10056268
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: XXXXX
Date Received: 2024-09-07T12:00:00-05:00
Date Sent to Company: 2024-09-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Mr. / Ms . C.F.O. : I REFUSE TO PAY THIS DEBT or ANY DEBT WITH PAYPAL/ SYNCHRONY BANK! Your company has repeatedly overdraft my bank account, claiming that I owe a debt under PAYPAL/Synchrony Bank account number Account Ending In XXXX. I do not believe that I owe this debt in pursuant to 18 U.S. Code 8, and I am disputing it and allowing you appropriate time to show evidence of this debt to be valid. Such conduct from your company has caused me to suffer severe Financial Harm, humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demand that you cease and desist from this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating XXXX XXXX account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to XXXX XXXX by Email, mail, and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. Kindly govern yourself accordingly. Respectfully Without Prejudice, XXXX XXXX Secured Party Creditor, Attorney in Fact
Frequently Asked Questions
What is Complaint #10056268 about?
Complaint #10056268 was filed against Synchrony Financial regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-09-07T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.