Debt collection -- Attempts to collect debt not owed -- Complaint #15593344
Complaint Overview
Complaint ID: 15593344
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: New Jersey
ZIP Code: 08075
Date Received: 2025-08-28T12:00:00-05:00
Date Sent to Company: 2025-08-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I disputed an account from XXXX XXXX XXXX ( original creditor : Synchrony Bank ) with XXXX XXXX XXXX and directly with them. The account had already been resolved through court settlement, and under XXXX public policy, it should have been deleted within 30 days. XXXX failed to delete the account and continues reporting it as open and in collection. XXXX has not followed its policy nor verified the debt properly. This violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request : Immediate deletion from all Credit Agencies Written confirmation from XXXX This false reporting has harmed my credit standing and caused distress. I will sue within 30 days if account is not deleted.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.