Debt collection -- Communication tactics -- Complaint #18465693
Synchrony Financial Faces Scrutiny Over Aggressive Debt Collection Tactics
Complaint Overview
Complaint ID: 18465693
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: New Jersey
ZIP Code: 08079
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-02-05T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The complaint suggests potential violations of debt collection regulations, such as the Fair Debt Collection Practices Act (FDCPA), due to the frequency and nature of communication.
Consumer Sentiment: negative
Topics: Debt collection, Credit card debt, Communication tactics
AI Analysis
CFPB complaint 18465693 was filed against SYNCHRONY FINANCIAL regarding Debt collection (Credit card debt), specifically about "Communication tactics". A consumer filed a complaint against Synchrony Financial regarding alleged excessive and repeated debt collection calls related to credit card debt in New Jersey. The complaint was received on December 31, 2025 from New Jersey. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers experiencing frequent or harassing calls from debt collectors should document all interactions and consider seeking legal advice.
Legal Context & Consumer Protection Laws
The FDCPA and state-specific debt collection laws govern the permissible methods and frequency of communication by debt collectors.
Regulatory Insight
Regulators are increasingly focused on ensuring debt collectors do not engage in practices that could be considered harassment or abuse.
Resolution Likelihood
mixed
State-Specific Consumer Protections
New Jersey has its own consumer protection laws that may provide additional recourse for consumers subjected to unfair debt collection practices.
Industry Comparison
While Synchrony Financial is a large issuer, the issue of aggressive debt collection tactics is common across the credit card industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18465693 about?
CFPB complaint 18465693 involves Debt collection (Credit card debt). The consumer reported an issue with "Communication tactics", specifically "Frequent or repeated calls". This complaint was filed against SYNCHRONY FINANCIAL on December 31, 2025.
Which company is complaint 18465693 filed against?
Complaint 18465693 was filed against SYNCHRONY FINANCIAL. You can view all complaints against this company on their profile page at /company/synchrony-financial.
What was the company's response to complaint 18465693?
SYNCHRONY FINANCIAL responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 18465693 filed?
Complaint 18465693 was received by the CFPB on December 31, 2025. It was sent to SYNCHRONY FINANCIAL on February 5, 2026.
What state was complaint 18465693 filed from?
Complaint 18465693 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 18465693?
Dispute information is not available for complaint 18465693.
What product category is complaint 18465693 about?
Complaint 18465693 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 18465693 submitted?
Complaint 18465693 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18465693?
The FDCPA and state-specific debt collection laws govern the permissible methods and frequency of communication by debt collectors. This relates to a Debt collection complaint against SYNCHRONY FINANCIAL involving "Communication tactics".
How likely is complaint 18465693 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18465693?
This complaint is rated as medium risk. The complaint suggests potential violations of debt collection regulations, such as the Fair Debt Collection Practices Act (FDCPA), due to the frequency and nature of communication.
What regulatory actions apply to complaint 18465693?
Regulators are increasingly focused on ensuring debt collectors do not engage in practices that could be considered harassment or abuse. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18465693?
Consumers experiencing frequent or harassing calls from debt collectors should document all interactions and consider seeking legal advice.
Are there state-specific protections for complaint 18465693?
New Jersey has its own consumer protection laws that may provide additional recourse for consumers subjected to unfair debt collection practices. This complaint was filed from New Jersey.
How does complaint 18465693 compare to industry norms?
While Synchrony Financial is a large issuer, the issue of aggressive debt collection tactics is common across the credit card industry.
What constitutes 'frequent or repeated' calls under federal and state debt collection laws?
While specific numbers can vary, calls are generally considered frequent or repeated if they are made with the intent to annoy, abuse, or harass the consumer, or if they exceed reasonable communication standards.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.