Date Received: 2018-10-07T00:00:00

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Syncb/XXXX XXXX XXXX a request for validation and letter of dispute for an alleged debt that is reporting on XXXX a {$0.00} balance and on XXXX and XXXX a {$1000.00} balance. Syncb/XXXX XXXX XXXX received and signed for the letter on XX/XX/2018. Syncb/XXXX XXXX XXXX failed to respond to my letter of dispute/request for validation and to place comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Syncb/XXXX XXXX XXXX for which they received and signed for on XX/XX/2018. Again Syncb/XXXX XXXX XXXX completely ignored my letter and failed to place a comment of dispute with the credit bureaus. By doing so Syncb/XXXX XXXX XXXX is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on my credit report.


State/Zip: MO 654XX

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Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3039512

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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