Debt collection -- Took or threatened to take negative or legal action -- Complaint #8842815
Complaint Overview
Complaint ID: 8842815
Company: Synchrony Financial
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: South Carolina
ZIP Code: 296XX
Date Received: 2024-04-23T12:00:00-05:00
Date Sent to Company: 2024-04-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Authorized representatives : XXXX XXXX XXXX Executive Secretary, XXXX XXXX DBA Manager of Quality Assurance, XXXX XXXX XXXX President/Director and XXXX XXXX XXXX Vice President/Director, of XXXX XXXX XXXX XXXX XXXX are demanding {$620.00} XXXX XXXX XXXX XXXX XXXX damaged my credit files on XX/XX/XXXX, and XX/XX/2024 with inaccurate information. XXXX XXXX XXXX XXXX, obtained my social security number solely for the purposes of forcing me to tender a debt they have no first-hand knowledge of. I am the victim of these circumstances, if I dont pay XXXX XXXX XXXX XXXX XXXX they will continue to damage my credit files. I did not receive a demand for payment notice, nor a detailed explanation via USPS to allow proper disputing of their claim of {$620.00} for the honorable exchange goods and services. XXXX XXXX XXXX XXXX, are prime examples of debt XXXX that abuse their authority in efforts to force consumers to pay debts that they have no first - hand knowledge of. I have not signed or provided the release of my private information to allow proper disputing of their claim of {$620.00}. Exactly how did XXXX XXXX XXXX XXXX, obtain my private information? Who released it? I did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX access to my social security number to damage my credit files. XXXX XXXX XXXX XXXX, are debt collectors demanding a debt on behalf of a company not mentioned purposely. I have not received goods or services from XXXX XXXX XXXX XXXX. I am formerly requesting the alleged original creditor to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to XXXX XXXX XXXX XXXX, releasing my private information. XXXX XXXX XXXX XXXX, is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. XXXX XXXX XXXX XXXX, do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of a company not mentioned purposely at the expense of my private information being on display to whomever. I am not a party to any agreements XXXX XXXX XXXX XXXX, may or may not have with a company not mentioned purposely I am not responsible for XXXX XXXX XXXX XXXX purchase / transfer from a company not mentioned purposely. XXXX XXXX XXXX XXXX, is a corrupt debt collection company that does not provide authorized representatives when aiming to negotiate. Present authentic contractual agreements supporting XXXX XXXX XXXX XXXX, and I have agreed to honorably conduct business. I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of a company not mentioned purposely. XXXX XXXX XXXX XXXX, does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. XXXX XXXX XXXX XXXX reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. I have included all proof in the attachments.
Frequently Asked Questions
What is Complaint #8842815 about?
Complaint #8842815 was filed against Synchrony Financial regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-04-23T12:00:00-05:00.
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.