Debt collection -- Attempts to collect debt not owed -- Complaint #6091136
Complaint Overview
Complaint ID: 6091136
Company: Synchrony Financial
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Utah
ZIP Code: 84124
Date Received: 2022-10-16T12:00:00-05:00
Date Sent to Company: 2022-10-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I attempted to make a loan request with Synchrony Bank to purchase a XXXX XXXX XXXX phone through the XXXX store. The process bugged and it would not let me purchase the phone with the account. So I was forced to purchase the phone with my debit card. On the same day I called Synchrony Bank customer support to close the account. They confirmed with me that they closed the account. This is reflected on my credit report. Since then they have been hounding me with emails and physical mail about owing {$27.00} on an account that I have with them. They told me I no longer had an account with them. I called them a few times in early XXXX to close this account and confirm I owed them nothing. Customer support with Synchrony confirmed with me that I do not owe them anything. However they continued to harass me about payment. By request from their customer support, I sent them a fax on XX/XX/XXXX or XXXX XXXX with proof of my purchase with my own debit card. My credit report says my account with them is closed. Yet they continue to insist I owe them. I did not get a response to my cease and desist. In the last few months they have hit my credit score with purported " late payments '' on an account that is not mine.
Frequently Asked Questions
What is Complaint #6091136 about?
Complaint #6091136 was filed against Synchrony Financial regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-10-16T12:00:00-05:00.
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.