Debt collection -- Took or threatened to take negative or legal action -- Complaint #11491196
Complaint Overview
Complaint ID: 11491196
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Illinois
ZIP Code: 60620
Date Received: 2025-01-12T12:00:00-05:00
Date Sent to Company: 2025-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing you today to inform you of a negative credit reporting of XXXX points that has dropped from a closed Sams Club account. I spoke with a representative about the situation and explained to her I didn't know my deposit bounced and I had no email or phone call regarding such issues. She goes to inform me to rest assured because she will dispute and remove the negative reporting off of my credit only to log back in to check my credit a couple days later to find out you all have reported negatively on my credit AGAIN after she has taken it off for me. On the XXXX she removed it and you all put it back on my credit on the XXXX. Due to me being in the process of buying property this is hurting my score tremendously and I am not able to move forward in the process. I would like for you to remove the negative impact as the representative promised before. Please and thank you in advance.
Frequently Asked Questions
What is Complaint #11491196 about?
Complaint #11491196 was filed against Synchrony Financial regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-01-12T12:00:00-05:00.
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.