Debt collection -- Took or threatened to take negative or legal action -- Complaint #14534772
Complaint Overview
Complaint ID: 14534772
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Maryland
ZIP Code: XXXXX
Date Received: 2025-07-08T12:00:00-05:00
Date Sent to Company: 2025-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Needed some dental work done to replace some missing teeth. Utilized the dentist finance company due to the cost of the implants and enrolled in automatic payments. After a few years of making payments I thought the debt was pay off, only to find out that the debt was sold to a collection company. The collection was passed to a law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ) and applied the collection to my credit profile.
Frequently Asked Questions
What is Complaint #14534772 about?
Complaint #14534772 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 2025-07-08T12:00:00-05:00.
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.