Review and analysis of over 43 complaints against Synchrony Financial
Synchrony Financial consumers have reported over 43 official complaints related to Cont'd attempts collect debt not owed. Out of the 43 consumer complaints against Synchrony Financial, 19% were disputed by the consumer (i.e. the consumer was not happy with how Synchrony Financial responded to their complaint) and 100% were processed in a timely manner. 12% of consumer complaints against Synchrony Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 21% resulted in non-monetary compensation.
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Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine March 1, 2017 - on -/-/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid February 22, 2017 - I am currently dealing with an account with -. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to - and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt resulted from identity theft February 8, 2017 - I have a Fraudulent Old Navy account on my credit bureues I have called Sychrony Bank the holder of this account and spoke with there - department, I was told they have closed the application and will send notice to the bureaus for deletion of the trade line, However I later discovered that they did not send over any information to the credit bureau, and the bureaus are reporting me as late and derogatory, Because of this I have lost over a - points from my - scores, I also reported this fraudulent activity to the local police, -, - district attorney, and FTC. I want this fraudu... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid February 2, 2017 - In roughly -, I was called by an - call center commissioned by Walmart to collect a debt. The representative stated I owed some outlandish amount nearing - - dollars American. I challenged the claim stating '' I find that hard to believe as I only have a - dollar limit ''. The representative shrugged this off and proceeded to ask how I was to pay. I asked for an American counterpart with none given and hung up. I contacted GE money, who carried Walmart credit card accounts and informed them of the error. The representative opened my account and too was shocked and laughed at the... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid February 1, 2017 - collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine January 16, 2017 - I had originally purchased a set of bar chairs for my kitchen from ROOMS TO GO ( Creditor : SYNCHRONY FINANCIAL ). At the time of purchase I was told that they only had - in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had - of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that Rooms To Go failed to credit my account for the chair I had sent back. After many attempts to... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid December 28, 2016 - This debt should have been pain by my vision insurance company, - -, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine December 28, 2016 - I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verificatio... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt resulted from identity theft December 27, 2016 - someone tried getting credit information and i was unaware of that... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine November 28, 2016 - I just received a call at my office from Synchrony Bank in an attempt to collect a debt from a - ( I am guessing at spelling of name. We get these calls all the time at our home and now I am getting them at my office and no matter what we tell them we continue to get called. My wife and I have been married 21 years and have had the home number of ( - ) - for that entire time. I have had the office number of ( - ) - for at least 5 years and there is no way these numbers ever belonged to - -. Getting the calls at my home is annoying enough. Now we are getting them at my offi... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine November 28, 2016 - I did hold a credit card account with - issued by Synchrony Bank from -/-/- till -/-/- when it was closed. On -/-/- was the last payment made on the card showing zero balance. Since -/-/- till -/-/- there was no activity on the account. During the months of -/-/- I have received a notice from a collection agency that I owe them $690.00 that they claim I did not pay -. When asked to prove the charges no one was able to produce said charges because they never existed. Since -/-/- till now I have not received what I have requested but said information wa... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine November 15, 2016 - Creditor agreed to remove my liability from the account and has removed from all CBR agencies.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid November 12, 2016 - Monthly agreement was made with Synchrony Bank to make payment on the - of every month in the amount of $21.00. Creditor is calling stating that I am behind in payments, which I am not. And stating that I have a different due date then agreed upon. I have repeatedly informed the representatives of my agreement. They apologized however they continue to harass me day and night continuous calls. Some Representatives argue and keep continuing to try to collect payment. I have not been late on any payments and wish this continued harassment to end.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine November 12, 2016 - Synchrony a collector for GE Capital is harassing me via Home Phone and Cell phone for a debt i do not owe.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt resulted from identity theft November 8, 2016 - In - - I rcvd my first letter from - - - Requesting Payment of Sams Club - Acct ending in - for a balance of -. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. -a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine October 19, 2016 - I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Synchrony via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt resulted from identity theft October 14, 2016 - This is a collection agency that I have never entered into any type of contract with. The original account was opened by someone else and the original creditor has been contacted. I have zero business relationship with this company. I have also contacted them on - accounts asking for a validation of signature to prove my contractual relationship with them. They have reported this inaccurate information to all - credit bureaus and it has impacted me financially. I want to save court as the last resort, however, I will take that route because this error on my credit file is costing me a lo... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid September 27, 2016 - My account was sent to - by Synchrony Bank. When the collection agency contacted me I requested for an settlement. After settlement was paid in full - sent back to Synchrony Bank my information stating that the account was paid in full. Synchrony Bank representative stated " they do not show any agreement, although my account started at -, I sill owed - ''. I sent them a copy of the letter that I have from -, stating that my account was paid in full, but I cant get a response from Synchrony Bank.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt resulted from identity theft September 16, 2016 - Continuous letters requesting payment of debt not owned by me.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid September 11, 2016 - - is attempting to collect and sue over an account that was paid in full by - insurance provided by GE Capital in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at - threatening my spouse... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine September 7, 2016 - Certainly, I got a letter from - that I owed $6200.00 to SYNCHRONY BANK, I have never heard that name. Letter mentioned that I have " R '' - but I have never applied " R '' - or had it.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid September 5, 2016 - An account I opened while I was in college. Found out I had a balance on the card. I immediate paid the debt and it 's being reported on my credit report as derogatory. PayPal credit card. Tried numerous times to get it off. But still remains. When I made the payment I was told ones that was done all the negative reporting including derogatory mark will come off. Since the payment I have disputed and disputed and still nothing. My biggest mistake was that I did n't get it in writing. I trusted them to remove the mark.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid September 1, 2016 - I have paid the The account all directly to them. They will not change on my credit bureaus bad it has been paid. Still showing that I owe the money. They also are refusing to discuss anything with me in regards to the account... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy September 1, 2016 - I have an account with Synchrony bank/JCP that was CLOSED and DISCHARGED through bankruptcy since -/-/2011.. I tried to contact Synchrony bank twice via letter to remove it from my credit report since it was already discharged but they refused to remove it.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine August 31, 2016 - I signed up for a Walmart credit card the and PAID with my card and she swiped it to " activate '' it and in turn she had it pay for it also so if anything that woman that did the sign up is responsible for that payment or her Manger because she was not properly trained on it and I refuse to pay for something i NEVER!!!! Agreed too so take it up with - iowa - - - - walmart not me... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid August 16, 2016 - I paid the amount requested from - - group and they still list me as disputing the account causing me to not quantify for a - loan because of a dispute collection account.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine August 10, 2016 - I have been contacted several times by phone by - - to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with - person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine August 9, 2016 - I have been sued for a debt that I do not owe, and that I have repeatedly told - - -, plaintiff in the law suit, that I do not owe this debt. They have also reported this debt on my credit report.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine August 5, 2016 - In - of this year ( 2016 ) I obtained my credit reports from all - credit bureaus, I discovered - -, - ( - '' ) reporting a trade-line on my consumer credit files for an amount of $950.00 for GE CAPITAL RETAIL BANK. I mailed a - a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # - - - - - - ( letter attached ). I received a reply from - -, - stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). - -, -... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid July 25, 2016 - My name is - - and I am seeking advice on what to do about the following situation. -/-/- we were - in -, -, because of all the issues of moving furniture and weight restrictions we decided we would sell our furniture and buy when we got back to the states.. -/-/- we were - to - - in - - Texas, The kids needed furniture so we decided to go to a local furniture store ( Home Design ). The sales person was very nice and helped us pick out the perfect set for our need at the time. The sales person informed us of a credit company they were working with had a... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine July 22, 2016 - A boyfriend of mine left me. I am a - and he took everything that he owned while I was on the road. Now I have a debt collector and Ashley Furniture calling, harassing, and threatening me on a continuous basis as if I purchased this furniture from them. I have talked to them numerous times and advised them of this but they continue to call and harass me. I want the calls to stop immediately. I do not have a debt with them and have never signed a contract with them. Their issue is not with me and I find it ridiculous that I am being held responsible for this. I also find it asinine that they... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine July 8, 2016 - GE said I opened an account in 2012. I did NOT open an account in 2012. It is a deceptive practice to keep derogatory marks on my credit.... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid June 17, 2016 - We have - accounts with synchrony bank. - for - bed which was returned and payments have been made on time. The bed was in my Wife 's name yet the company called and discussed the debt with me in violation of my Wife 's request. They called 10 times in 4 days to collect on a supposed debt that was up to date. Even after requesting that the company ( synchrony ) stop calling us, they continued. I purchased a tool from - last month, and even before I received the first bill, I received - phone calls from synchrony in one day. The first call was at - - and the last was at -... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid June 13, 2016 - This card was created and charged at a dental office. I was quoted a price of - dollars for services and told that they had a credit card I could apply for there. - is the place. anyway while i was under - they had me sign some papers. when I received the first bill it said - or somewhere around there.I called the dental office and spoke to a worker in bills and payment and she said well, they said i had more - that were distressed and it cost more, but yet they didnt tell me that up front. then also Im on medicaid and i found out they also charged them for some things they had ... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid June 9, 2016 - I should have a - balance and not sure why I am past due. I have requested a full history and still have not received. Please help this is hurting my credit ... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt resulted from identity theft June 8, 2016 - The company - - has filed a lawsuit against me, after that the original creditor GE capital has investigated this identity theft and dismissed all debt, The collection company was contacted by GE capital and informed to cease-and-desist, The bad debt was bought back from - by GE capital, yet - is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to - attorneys and the attorneys still persist on suing me for debt that they do not own and have ... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine June 8, 2016 - Jcpenney have me on collection for nothn owed in - never had a card from them. - also has a collection from -/-/- that I have never applied for or owe anything It is a couple other debts that are from -/-/- that are pass the 7 year s ... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine May 31, 2016 - I keep receiving mails from synchrony bank stated that i have debt to pay but never receive any types of balance sheet, I was never sign up for synchrony bank for credit cards for that matters. I only bank with - - - and also issued with student credit for tha matters. I believe that my personal information was use without my consent in regarding of debt that is not applicable of my own ... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid May 18, 2016 - CREDIT CARD WAS PAID OFF. THEY SHOULD PROVIDE STATEMENT TO JUSTIFY THEIR CLAIM. ... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid May 18, 2016 - - - has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm - now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. - has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine May 17, 2016 - I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and n... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt is not mine May 14, 2016 - Synchrony Bank / TJmaxx was harassing me by the phone telling me for a debt that was not mine I contacted the bureaus and they told me to contact Synchrony Bank. after alot of back and forth. They threatened me with legal action but. They did NOT provide me with any documentation validating the debt as mine ... |
Synchrony Financial Debt collection cont'd attempts collect debt not owed debt was paid May 13, 2016 - I started GE money credit card for my teeth and vet bills - years ago. I lost my job in 2008 and consequently lost my residence and became homeless. I received - - years ago and live in subsidised housing. I continued to pay - the minimum and - - to this day. The current hardship from Synchrony Bank to pay my loan off is $55.00 a month for the next for 4 years. I also pay - - $30.00 a month to pay off another balance. Both would no longer charge interest. I have duly paid these companies in the years that I have had them. How does one justify extortion from these co... |