CFPB Complaint

SYNCHRONY FINANCIAL – CFPB Complaint

Consumer Complaint Submission

Date Received: 2017-08-23T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I have been a customer with SteinMart for several years. Recently, they issued a new ” card ” which I did not realize had a different account number that my old account. I have financial software that I use to pay bills through my bank. When receiving bills in the mail, I have dutifully sent payment in full for each statement – unfortunately, to the old account number. The account is managed by XXXX XXXX in Georgia. When I began receiving threatening phone calls from people said to represent XXXX XXXX, I began to look into the problem and realized that the payments I had been making were not to the account number on the card. I provided documentation to XXXX XXXX that the debt was, in fact, paid. Just this week I received a check in the mail for over {$970.00} from them and a statement saying that there was a XXXX balance on the account. Nonetheless, the phone calls keep coming and today, I was threatened with being reported unless I provided {$25.00} by XX/XX/XXXX. I explained the above to the person on the phone ( receiving a check – which I have not yet cashed – and a statement showing XXXX balance ) but was told that did n’t matter. I needed to come up with {$25.00} or else. I can easily afford to send them {$25.00}, but I feel like there is no coordination between the ” debt collectors ” and others at XXXX XXXX who agree with me that I have paid my debt.

Company: SYNCHRONY FINANCIAL

State/Zip: TX 750XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2646382

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.

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