Debt collection -- False statements or representation -- Complaint #18277052
Complaint Overview
Complaint ID: 18277052
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Pennsylvania
ZIP Code: 19446
Date Received: 2025-12-24T12:00:00-05:00
Date Sent to Company: 2025-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I entered into a written settlement agreement with XXXX XXXX XXXX on XX/XX/year>, to resolve a credit card account for XXXX monthly payments of {$910.00} due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. I successfully made the XXXX, XXXX, and XXXX payments, which represent XXXX out of the XXXX agreed payments. The XXXX payment did not process due to an issue with the automatic payment system, which I was not aware of at the time. As soon as I became aware of the missed XXXX payment, I contacted XXXX XXXX XXXX to resolve the issue and requested to make the missed payment and complete the settlement as agreed. I also sent a written dispute requesting confirmation that the original settlement would be honored. XXXX XXXX XXXX did not respond to my dispute or provide any clarification. Instead, they declared the settlement void and are now attempting to collect a higher amount that does not reflect the agreed settlement terms. They have continued collection efforts, including sending collection letters, despite my good-faith payments and attempts to resolve the issue. I remain willing and able to make the missed XXXX payment to complete the settlement. I am requesting assistance to have the company honor the original written settlement agreement and stop attempting to collect an incorrect balance.
Frequently Asked Questions
What is Complaint #18277052 about?
Complaint #18277052 was filed against Synchrony Financial regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-12-24T12:00:00-05:00.
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.