Debt collection -- Attempts to collect debt not owed -- Complaint #4703618
Complaint Overview
Complaint ID: 4703618
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Texas
ZIP Code: 75154
Date Received: 2021-09-08T12:00:00-05:00
Date Sent to Company: 2021-09-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently file a dispute against Synchrony Bank ( Care Credit ) because it has been reported incorrectly on my credit report. On XX/XX/2021 I can to an agree on a debt settlement amount with XXXX XXXX XXXX the third party collection agency that Synchrony transferred my account to. The settlement amount agreed to was {$5100.00}. The payment was drafted in two separate transactions due to the amount. Synchrony bank then report on my credit report that a payment was made to my account on XX/XX/2021 which was a lie. The debt was settled on XX/XX/2021.
Frequently Asked Questions
What is Complaint #4703618 about?
Complaint #4703618 was filed against Synchrony Financial regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-09-08T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.