Debt collection -- Attempts to collect debt not owed -- Complaint #19343835
Complaint Overview
Complaint ID: 19343835
Company: Synchrony Financial
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: 33162
Date Received: 2026-02-08T12:00:00-05:00
Date Sent to Company: 2026-02-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
based on checking my credit report i noticed that my personal information was exposed as i don't recognize multiples collections charges and debts. attached are the creditor 's information that i contacted to get the matter resolved and nothing was done. I am requesting this information to be removed immediately from my credit report as it is not accurate. SYNCB/PPC P.O XXXX XXXX XXXX XXXX, TX XXXX XXXX {$2700.00} 80 % of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Banks Loan Type Credit Card Credit Limit {$3500.00} Loan Term Revolving Payment Amount - Highest Balance {$3900.00} Status Charged o as bad debt Past Due {$2700.00} Remarks Profit and loss writeo Notes Automated Account Account closed normally XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX {$10000.00} 110 % of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Banks XXXX XXXX Credit Card XXXX XXXX {$9800.00} Loan Term Revolving Payment Amount - Highest Balance {$11000.00} Status Charged o as bad debt Past Due {$10000.00} Remarks Profit and loss writeo Notes Automated Account Account closed normally XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX ) XXXX {$13000.00} N/A of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Credit Union and XXXX XXXX XXXX Personal Companies Loan Type Automobile Credit Limit XXXX XXXX XXXX XXXX 072 Monthly Payment Amount - Highest Balance {$54000.00} Status Charged o as bad debt Past Due {$13000.00} Remarks Profit and loss writeo Notes Automated Account Account closed normally XX/XX/XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX United States. XXXX {$3200.00} 117 % of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Banks Loan Type Credit Card Credit Limit {$2800.00} Loan Term Revolving Payment Amount - Highest Balance {$3400.00} Status Charged o as bad debt Past Due {$3200.00} Remarks Account closed by credit grantor Notes Automated Account Account closed normally XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX Balance : {$1800.00} Original Balance : {$1800.00} Account Designator Individual account for sole use of consumer Industry Collection services Credit Grantor SYNCHRONY BANK Loan Type/Term Open Past Due XXXX
Frequently Asked Questions
What is Complaint #19343835 about?
Complaint #19343835 was filed against Synchrony Financial regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-02-08T12:00:00-05:00.
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.