CFPB Complaint

SYNCHRONY FINANCIAL – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-06-07T00:00:00

Product: Credit card debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Synchrony Bank had charge off the account on XX/XX/XXXX and I contuined to make seven addition payments after the account was charged off on the amount of {$150.00} that were never included as part of the payments but the money was never returned.

Payments collected after charge off date : 1. XX/XX/XXXX – {$150.00} 2. XX/XX/XXXX – {$150.00} 3. XX/XX/XXXX – {$150.00} XXXX. XX/XX/XXXX – {$150.00} 5. XX/XX/XXXX – {$150.00} 6. XX/XX/XXXX – {$150.00} 7. XX/XX/XXXX {$150.00} The account was sold to a collection agency. I have requested that Synchrony Bank to submit validation of the amounts paid under the Fair Debt Collection ACT ( FDCPA ), they have not answered and have refused my request. This is clearly a violation of the the FDCPA laws and my rights.

Company: SYNCHRONY FINANCIAL

State/Zip: FL 337XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2930335

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.

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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