Debt collection -- Communication tactics -- Complaint #5729377
Complaint Overview
Complaint ID: 5729377
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Other debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: New Jersey
ZIP Code: 07901
Date Received: 2022-07-02T12:00:00-05:00
Date Sent to Company: 2022-07-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have requested, and on numerous occasions - a Do Not contact and from this debt collector. I am reliant on a Do NOT Contact description from FDCPA. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the cons umer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications. The CFPB has them as well. I have also - never, asked for a XXXX. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that. Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with. The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever. You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact. The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf. At some point, the actual penalties will be real - and outweigh your actions. We are at the cusp, remember there is a class of people. Do not contact any one for anything.
Frequently Asked Questions
What is Complaint #5729377 about?
Complaint #5729377 was filed against Synchrony Financial regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2022-07-02T12:00:00-05:00.
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.