CFPB Complaint


Consumer Complaint Submission

Date Received: 2017-06-16T00:00:00

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I ha ve contacted XXXX XXXX XXXX in regards to an account listed on my credit report that I do not recognize. They are reporting to the XXXX major credit bureaus on behalf of Synchrony Bank. I have asked XXXX to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with Synchrony Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent only 1 letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP.


State/Zip: CA 939XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2551195

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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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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