Debt collection -- Written notification about debt -- Complaint #7144390
Complaint Overview
Complaint ID: 7144390
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Notification didn't disclose it was an attempt to collect a debt
State: Arizona
ZIP Code: 85268
Date Received: 2023-06-20T12:00:00-05:00
Date Sent to Company: 2023-06-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX, I financed furniture through Synchrony bank ( bank chosen by furniture store ) with a 0 % interest loan expiring in XX/XX/XXXX. I set up recurring payments every month. I unfortunately ignored monthly statements from Synchrony as I presumed it was just useless data. I never received ANY emails or texts. My bank was apparently late on funding Synchrony several times and I unknowingly incurred late fees. After my final payment in XX/XX/XXXX, I kept on getting monthly statements, which I finally opened in XXXX. This showed {$300.00} in late fees and {$1100.00} in back interest to day 1 in XXXX. I called immediately, escalated to an account manager and she denied waiving any fees, even though I dutifully paid every month and my financed loan was {$0.00} by the time the promotion expired. Now I owe {$1400.00} from an original {$2900.00} purchase - which I PAID! Since I called about my account I have been getting emails and texts almost every day explaining my outstanding balance. Even after explaining I was not some deadbeat person not paying their bills, they refused to be human and do anything. Shame on me for not checking my mail. Shame on Synchrony for their behavior, unwillingness to be reasonable and treating me like a deadbeat.
Frequently Asked Questions
What is Complaint #7144390 about?
Complaint #7144390 was filed against Synchrony Financial regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-06-20T12:00:00-05:00.
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.