Debt collection -- Attempts to collect debt not owed -- Complaint #6869553
Complaint Overview
Complaint ID: 6869553
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New Jersey
ZIP Code: 074XX
Date Received: 2023-04-20T12:00:00-05:00
Date Sent to Company: 2023-04-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Synchrony Bank through its XXXX ( Chevron and Texaco ) approved a credit card account ending in XXXX in my name based upon a fraudulently submitted credit application and processed payments totaling {$11000.00} to XXXX XXXX XXXX XXXX XXXX DE, consisting of {$6000.00} on XX/XX/XXXX and {$5200.00} on XX/XX/XXXX ). Subsequently, Synchrony Bank charged off the amounts and sold the debt to XXXX XXXX XXXX, XXXX who claims that I owe them {$13000.00}. I received first written correspondence from XXXX XXXX XXXX in XX/XX/XXXX. I contacted them and disputed the claim on XX/XX/XXXX. Now I am receiving written correspondence informing me that the account is being transferred from their Disputes Department to their Litigation Department and that nobody has actually reviewed the account or conducted an investigation in connection with the fraud, as well as telephone calls. It is worth noting that the address Synchrony Bank used to approve the credit application and open the account is one that I have not lived at since XXXX and I sold that property in XXXX. On XX/XX/XXXX I contacted Synchrony Bank directly and opened a fraud complaint. I received a Synchrony Bank fraud investigation form and faxed the completed form back to Synchrony Bank on XX/XX/XXXX. Now I am waiting for Synchrony Bank Fraud Solutions Team to conduct their investigation which may take ninety ( 90 ) days. I have contacted XXXX, XXXX and XXXX and have informed them of this fraudulent account. I dispute having any accounts with Chevron, Texaco, XXXX and Synchrony Bank. Moreover, I never submitted any applications for credit with XXXX, XXXX, www.TechnoAdvantageCard.com and/or Synchrony Bank XXXX Furthermore, I have never received any communications from Chevron, Texaco, XXXX and/or Synchrony Bank XXXX XXXX have any credit approvals or debt outstanding. I have not received any physical credit cards from Chevron, Texaco, XXXX and/or Synchrony Bank XXXX XXXX I am not responsible for this debt. I question the credit approval, due diligence and underwriting practices at Synchrony Bank since they approved the credit application, opened the account and processed payments using an address that I have not lived at since XXXX and a property that I sold in XXXX. On XX/XX/XXXX I contacted Consumer Financial Protection Bureau ( CFPB ) and submitted a complaint against Synchrony Bank and XXXX XXXX XXXX, XXXX ( Complaint Number XXXX ) in connection with the credit card account number referenced above. On XX/XX/XXXX I received a request from CFPB asking me to name a single company in Complaint Number XXXX. On XX/XX/XXXX I named Synchrony Bank in Complaint Number XXXX. Also, on XX/XX/XXXX I am submitting this new complaint against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX is not responsible for the shortcomings in the original credit approval, due diligence and underwriting and funding practices at Synchrony Bank, however XXXX has ignored my XXXX letters and persists in contacting me via telephone calls. The first letter is dated XX/XX/XXXX. The second letter is dated XX/XX/XXXX. I believe that XXXX must follow up directly with Synchrony Bank to resolve their interests in this matter.
Frequently Asked Questions
What is Complaint #6869553 about?
Complaint #6869553 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 non-monetary relief". 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.