SYNCHRONY FINANCIAL – CFPB Complaint

By on May 25, 2018
Consumer Complaint Submission

Date Received: 2018-05-12T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This account XXXX in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXX and updating this information on XX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to XXXX on XX/XX/XXXX per XXXX XXXX. I didn’t receive a notice from XXXX at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but XXXX would send me a printout of incorrect information.

XXXX XXXX sold the account XX/XX/XXXX. On my credit report XXXX indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but XXXX is making it their business to pin it on me. I wasn’t aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and XXXX is re-aging it to XX/XX/XXXX.

I’ve even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..

Company: SYNCHRONY FINANCIAL

State/Zip: OH 440XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2904892

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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