Date Received: 2018-09-12T00:00:00
Product: I do not know
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from Ge capital retail bank to Synchrony bank. In XX/XX/XXXX XXXX said they acquired this account. On XX/XX/XXXX XXXX states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I’ve never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn’t belong to them since you never received a dispute.
Company: SYNCHRONY FINANCIAL
State/Zip: GA 313XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3017527
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.