Debt collection -- Communication tactics -- Complaint #11770782
Complaint Overview
Complaint ID: 11770782
Company: Synchrony Financial
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: Georgia
ZIP Code: 30296
Date Received: 2025-01-24T12:00:00-05:00
Date Sent to Company: 2025-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Account No. XXXX Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt associated with the account number XXXX, as reported on my XXXX credit report dated today. I have identified several discrepancies and errors related to this account that necessitate further clarification. Errors Identified : 1. Original Creditor Information : The original creditor is listed as Synchrony Bank, but I have no record of this account. 2. Balance Discrepancy : The balance reported as {$1100.00} does not align with my records. I request a detailed breakdown of this amount. 3. Payment History : The reported payment history appears inaccurate, and I would like to see a complete payment history for this account. 4. Disputed Account Status : The report indicates that the account information is disputed, which requires further review and validation. 5. Additional Reference : 15c 1692 g - This refers to the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1692g, which requires debt collectors to provide a validation notice to consumers. This notice must include the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. According to the FDCPA, I have the right to request validation of any debt. I am requesting that you provide the following information : 1. A copy of the original signed contract or agreement with Synchrony Bank showing my responsibility for this debt. 2. A detailed statement of the amount owed, including any fees or charges applied. 3. Documentation of the payment history for this account. 4. Verification that you are legally authorized to collect this debt. Given the errors found in this report, I also believe that I am entitled to compensation of {$1000.00} for each identified error, totaling {$4000.00}. Please include a response to this request along with any supporting documentation within XXXX days, as required by law. Furthermore, until this matter is resolved, I request that you cease all collection activities on this account, including reporting to credit bureaus, until proper validation has been provided. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11770782 about?
Complaint #11770782 was filed against Synchrony Financial regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-01-24T12:00:00-05:00.
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.