Debt collection -- False statements or representation -- Complaint #18374019
Complaint Overview
Complaint ID: 18374019
Company: Synchrony Financial
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: 32792
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Creditor : SYNCB / City Furniture Account Number : XXXX Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX I am requesting a full investigation and removal of this account due to multiple FCRA reporting violations and inaccurate data being furnished to the credit bureaus. This XXXX XXXX account is reporting : A recent payment of {$43.00} in XX/XX/XXXX even though the account is closed, which is factually inaccurate. A balance of {$2000.00} while the credit limit is {$2000.00}, which represents incorrect balance and utilization reporting. XX/XX/XXXX day late payments that are inconsistent with my payment history and the account closure date. Continuous updates after the account was closed, which appears to be illegal re-aging of debt under FCRA 605 & FCRA 623. Payment history conflicts, including 90-day late reporting while simultaneously reporting an updated recent payment. These inaccuracies violate FCRA 602, 607 ( b ), and 623 ( a ) ( 1 ). I am requesting the CFPB require SYNCB to : 1.Provide documented proof of all data being reported 2.Correct or remove the account entirely if they can not validate accuracy I am requesting full deletion of this account from all credit bureaus due to inaccurate and conflicting reporting.
Frequently Asked Questions
What is Complaint #18374019 about?
Complaint #18374019 was filed against Synchrony Financial regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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.