Debt collection -- Attempts to collect debt not owed -- Complaint #6868708
Complaint Overview
Complaint ID: 6868708
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: New York
ZIP Code: 10704
Date Received: 2023-04-20T12:00:00-05:00
Date Sent to Company: 2023-04-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have twice disputes XXXX over a collection account ( XXXX ) whose lender was Syncrony Bank and I never took out this card but someone who stole my identity. I have sent them irrefutable evidence and they continue to confirm the debt ( Dispute XXXX of XX/XX/2023 and file XXXX XX/XX/2023 ), while XXXX has removed this from my file ( XXXX of XXXX XXXX ). I have also disputed and attached everything required by SyncronyBank. This situation has caused me great damage since I am in the process of refinancing with XXXX XXXX for my house and this has not allowed them to release it. It was with them that I discovered that we had this situation. The address and details on that card are not true as I have never lived outside of New York State. I understand that XXXX has not done an objective investigation or analyzed all the documents supplied : utily bills, my commercial data, XXXX and XXXX of my own house, etc. I need an investigation and help.
Frequently Asked Questions
What is Complaint #6868708 about?
Complaint #6868708 was filed against Synchrony Financial regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-04-20T12:00:00-05:00.
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.