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SYNCHRONY FINANCIAL – CFPB Complaint

By on December 8, 2018
Consumer Complaint Submission

Date Received: 2018-11-19T00:00:00

Product: Credit card debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX, XXXX XXXX made an agreement with me to take off a debt if I paid it in.

On XX/XX/XXXX, I paid the debt.

After checking my Credit Report, they neither notified XXXX/ XXXX XXXX of the debt being paid off, nor took it off my Credit report.

When I called XXXX XXXX, they told me it was not their responsibility to tell the Credit Agencies, nor XXXX XXXX that I paid the debt, But it is still there.

I am including both my letter and proof of payment.

Account name XXXX/XXXX Account number XXXX ….
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$1200.00} written off.
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX Type Charge Card Terms NA Credit limit or original amount {$800.00} High balance {$1200.00} Monthly payment {$0.00} Recent payment amount {$100.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender.
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.

Company: SYNCHRONY FINANCIAL

State/Zip: ME 04843

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3078174

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.

READ  Alliance Data Card Services - CFPB Complaint

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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