Debt collection -- Attempts to collect debt not owed -- Complaint #6459395
Complaint Overview
Complaint ID: 6459395
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: Texas
ZIP Code: 77381
Date Received: 2023-01-19T12:00:00-05:00
Date Sent to Company: 2023-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
I have received notice that a credit card debt collector has my account. This charge was for over {$500.00} on a Amazon account. I tried to verify what was ordered and this debt collection referred me back to Amazon. The Amazon folks told me that the account was written off and there was no records of the transaction. So I called back to the debt collection and they could only give me the Address of the company. It is XXXX XXXX XXXX. XXXX Fl. XXXX. I can't imagine what I could have ordered that would cost that amount. This charge was XXXX and I am just hearing about it, I think, just because I am retired and a XXXX years old they can take advantage of me. Or the account was taken over by those who do this for a living. The debt collection company had the wrong address. I never lived at this address. It isn't even in the same County, as I live in. So it is like this. The debt collection company has no record of the transaction or what I was suppose to have purchased. Amazon has closed the account and has no record of this transaction. They want me to pay over XXXX. This is on my Credit Report. it ie funnry It sounds like a scam to me. I am trying to get a Reverse Mortgage and this is keeping from this. What can I do about it?
Frequently Asked Questions
What is Complaint #6459395 about?
Complaint #6459395 was filed against Synchrony Financial regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-01-19T12:00:00-05:00.
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.