Debt collection -- False statements or representation -- Complaint #11317659
Complaint Overview
Complaint ID: 11317659
Company: Synchrony Financial
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: 90275
Date Received: 2024-12-29T12:00:00-05:00
Date Sent to Company: 2025-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
am disputing an alleged debt of {$440.00} reported by XXXX XXXX XXXX ( XXXX ) and originating from XXXX XXXX ( PayPal XXXX ). The claims related to this debt are inaccurate and unverifiable based on the following : Unrecognized PayPal XXXX Accounts : XXXX linked the debt to two PayPal XXXX account numbers ( ending in XXXX and XXXX ) that I have never opened or authorized. I have had a PayPal account for XXXX years, tied to my email address, but I have never had a PayPal XXXX account with digital account numbers as claimed. Positive Balance and Payment History : On XX/XX/year>, I received a XXXX payment of {$910.00}, which should have fully covered any outstanding balances. I maintain that my account had a positive balance, leaving no possibility of owing money. Despite this, XXXX XXXX issued a statement for {$160.00} in XX/XX/year> without explanation. No Grammarly Purchase in History : XXXX claims the debt includes a XXXX purchase in XXXX, yet : My PayPal transaction history shows no such purchase. My XXXX subscription was canceled on XX/XX/year>, as confirmed in an email from XXXX. Documents provided on XXXX 's website under this case show no transaction history for a XXXX purchase. Request for Validation Ignored : I have contacted XXXX XXXX and XXXX multiple times to request validation of the debt, including : Proof that I authorized the PayPal XXXX accounts tied to the alleged debt. A full transaction history and explanation of how the {$440.00} balance was calculated. Confirmation of whether PayPal itself was consulted during this investigation. To date, neither XXXX XXXX nor XXXX has provided adequate validation of this debt. XXXX continues to report this collection to credit bureaus, harming my credit score, and has made repeated unauthorized credit inquiries.
Frequently Asked Questions
What is Complaint #11317659 about?
Complaint #11317659 was filed against Synchrony Financial regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-12-29T12:00:00-05:00.
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.