Debt collection -- Attempts to collect debt not owed -- Complaint #7266415
Complaint Overview
Complaint ID: 7266415
Company: Synchrony Financial
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Virginia
ZIP Code: 23803
Date Received: 2023-07-17T12:00:00-05:00
Date Sent to Company: 2023-07-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 I have agreed to a settlement with Synchrony Bank / Ashley Furniture in the amount of {$1200.00}. With three consecutive monthly payments. I have fulfilled the arrangement and provided proof of the payments as well attached to this dispute .Keep in mind of the last payment in the amount of {$50.00} which was made over the phone. Because a representative stated that they had an issue with their system with that last payment. So they advised me to call and pay and when I paid the {$50.00} and I a was verified by multiple representatives that the account was paid in full clear. I have also days later called multiple times and each time was verified that I paid off the amount in full. Months to year later it reflected on my credit as a charge off. I have called multiple times spoke with their dispute department. Sent letters with documentation of them wanting proof of payments, which I sent to them. And there response letters only stated in return that I owe them something each time. They never really reviewed my proof just wanted me to pay. No direct response either really frustrating.
Frequently Asked Questions
What is Complaint #7266415 about?
Complaint #7266415 was filed against Synchrony Financial regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-07-17T12:00:00-05:00.
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.