Debt collection -- Attempts to collect debt not owed -- Complaint #5746945
Complaint Overview
Complaint ID: 5746945
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Tennessee
ZIP Code: 37040
Date Received: 2022-07-07T12:00:00-05:00
Date Sent to Company: 2022-07-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I asked this company to provide me with original contract with my wet signature because i notice this company on my credit profile but was unaware of this fraudulent account being on my consumer profile. Your company could not provide documentation of what i asked and this proved upon reasonable doubt that this was obtain fraudulently. I also reported this to the XXXX major bureaus. This company has 30 days to remove debt when they cant provide original contract. I am the only natural person that can validate or give consent of an obligation that you the debtor says i owe according to 15 USC federal law 1692 ( e ). this frqaudulent account has caused damages to me and my family and has obstacles for me to obtain credit, therefore making you the company liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15 USC 1692 ( k ) and has been filed in the XXXX district court. Thank you XXXX XXXX
Frequently Asked Questions
What is Complaint #5746945 about?
Complaint #5746945 was filed against Synchrony Financial regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-07-07T12:00:00-05:00.
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.