Debt collection -- Attempts to collect debt not owed -- Complaint #13292978
Complaint Overview
Complaint ID: 13292978
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Maryland
ZIP Code: XXXXX
Date Received: 2025-05-01T12:00:00-05:00
Date Sent to Company: 2025-05-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
Contacted XXXXXXXX XXXX in XX/XX/XXXX, told them that my balance does not change every month and that I have been making payments to them since XX/XX/XXXX, never missing a payment. Told them I have paid them over {$8500.00} and no other bill was due. They said, oh the first bill has just been paid off, I was paying my bill on Care Credit for Dental Services ; they said that bill is closed out. However, you still owe a debt on a credit with XXXX XXXX. I told them I didn't know what they were talking about. I told them since my Care Credit bill was paid off years ago, why didn't you tell me and why does my balance remain the same for years and now why does it keep changing from month to month. I requested all statements/invoices and it reflex low and then no balances due. I told them I want to file a dispute. They sent a letter and said do not pay anymore on balance until 60 days dispute is settled. I told them they owed me over {$5000.00} in overpayments. They said no we do not. I asked to show bills and balances. They have been sending me bills every month and acknowledged my payments have been accurate and on time. It has been five months and over one hundred and fifty days and they will not respond. They started having XXXX XXXX contact me for collections.
Frequently Asked Questions
What is Complaint #13292978 about?
Complaint #13292978 was filed against Synchrony Financial regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-05-01T12:00:00-05:00.
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.