Review and analysis of over 28 complaints against Synchrony Financial
Synchrony Financial consumers have reported over 28 official complaints related to Disclosure verification of debt. Out of the 28 consumer complaints against Synchrony Financial, 21% 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. 7% of consumer complaints against Synchrony Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 7% resulted in non-monetary compensation.
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Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt April 4, 2017 - On -/-/2017 I sent a dispute letter to - requesting validation of this debt - including an item bearing my signature. All I received in response on -/-/2017 was - Credit Card statement. I again requested validation on -/-/2017, and again received no further information to validate the debt. On -/-/2017 - claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on -/-/2017 asking several specific questions to validate my debt, and on -/-/2017 - again responded with a letter th... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt January 20, 2017 - no consent given or obtained by me for this debt, no contract signed... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt January 17, 2017 - The following is a timeline of events and errors made on the part of - ( debt collection ), Synchrony Bank, and Lowes ... - - - notified us of their intent to collect on a - credit card debt * We initially had no idea what they were referring to, we never received a billing statement from - ( synchrony Bank ) based on the fact we had moved our primary residence - -, We requested from - to substantiate Debt ( we understand they have 30 days to prove debt and we did not receive statements until -/-/- * The statements they provided on -/-/- did not c... |
Synchrony Financial Debt collection disclosure verification of debt not disclosed as an attempt to collect January 8, 2017 - this is fraud. someone is using my identity. a request was maid to this agency on -/-/2015 in my name that I did not agree to.... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt December 24, 2016 - No one contacted me from collection agency with proof of debt... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt December 23, 2016 - On -/-/- I was contacted by - - of The Counsel Firm in - Ca. He informed me that I had an outstanding balance of - with - - - threw GE Capital and they now own the claim and account. He verified my - and SS #. I was convinced I had paid it, but he was so convincing that we negotiated a settlement of - and he sent me paperwork to make payments. I have not signed the paperwork, because I was still trying to figure out if this was a legitimate debt. No one can tell me if this is legitimate and now they have taken - out of my checking account. He said he did n't ... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt December 17, 2016 - I have no knowledge of this debt. My account with - credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt December 13, 2016 - I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. - - have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with - -, never signed a contract, nor do I owe them any money.... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt November 24, 2016 - Account is being reported on credit report, and the debt is passed 7 years old which is past the statue of limitations. Debt is no longer allowed to be on credit report.... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt November 16, 2016 - I am filing this complaint against SYNCB/CARE CREDIT. I joined - last year 2015 and saw this company listed on my reports as a charged off account that was sold to another lender. I have never done business with this company and have reached out to them several times by mail in the year 2015 to current with no success, requesting them to validate this debt/account by providing me with prof of contract bearing my signature. None of my letters that I mailed to this company were ever returned to me, so this year I decided to mail my letters certified mail with a return receipt to see if so... |
Synchrony Financial Debt collection disclosure verification of debt right to dispute notice not received November 15, 2016 - They are trying to collect on a contract that they refuse to validate... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt November 11, 2016 - In my experience with this company they have done the following items : Threatening a lawsuit and other legal action Improper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call with written letter mailed stating clearly to do not contact ) Disclosing the existence of the debt to third parties and knowledge of other debt Continuing to attempt to collect debt that was not owed or that had been paid. Made arrangement to pay off prior debt, Close and remove debt for credit history Failed to compete their e... |
Synchrony Financial Debt collection disclosure verification of debt right to dispute notice not received October 13, 2016 - Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). I hereby dispute your information in its entirety and req... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt October 7, 2016 - Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been requesting evidence that bears my signature that shows that I have a contractual obligation to pay SYNCB/Walmart. I have not received anything that I requested and it is still listed on my credit report from the - Credit Reporting Agencies.... |
Synchrony Financial Debt collection disclosure verification of debt right to dispute notice not received September 7, 2016 - I received a summons to go to court. I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. I have lived in my home for almost 10 years. I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have - minor children and my husband is a military veteran in the process of applying for -. I told them i could pay $10.00 until i get back on my feet and they said no that they would not accept that. I dont understand english well and my husband was... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt September 1, 2016 - - was written on - - and legal demand was made to validate and prove the alleged debt. They have not responded... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt August 23, 2016 - - - - called me in - 2016 regarding a supposed debt they purchased from Synchrony Back/ Care Credit. I requested that - - Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on - -, 2016 I sent a written request to MCM. On - - 2016 I was served a summons... |
Synchrony Financial Debt collection disclosure verification of debt right to dispute notice not received August 11, 2016 - Trying to re-finance mortgage and found - judgments against me. Already completed the complaint with other judgment. This one just says GE Money Bank and they filed with County Clerk for $5500.00 and when I got a hold of the law firm handling it, - said that it 's really $7000.00. I do n't know what this is for. I was divorced in - and this is dated from before that time ( they filed in - but the debt is from years before ) I was also never notified that a judgment was filed.... |
Synchrony Financial Debt collection disclosure verification of debt right to dispute notice not received August 8, 2016 - I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.... |
Synchrony Financial Debt collection disclosure verification of debt right to dispute notice not received July 20, 2016 - - - - - - - -, LA - SSN : - - -, 2016 Ref # : - To Whom It May Concern : - I would like to dispute the following item on my credit reports : -, - and - - - - - Partial account number : -. Opened -, my credit report shows a late payment in the amount of $92.00. As of now CHARGE OFF -/-/2016 However, I have enclosed copies of my cashier check purchased on -/-/2016 and forward via USPS overnight as payment on - - 2016. Payment was made in full amount of $93.00 when the balance was $91.00 at that time. See ... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt July 16, 2016 - There is more than - company collecting payment on this debt and they can not verify where the payments have been applied. When I researched into who was in possession of my account, it seems as though that the account is held by multiple parties, including - -, Synchrony and - -. I tried to pay Synchrony bank directly by sending them a check to their - - as directed. On -/-/16, the check ( which was made out to Synchrony bank with my - - - account number ) was cashed by -. I called -, and spoke to a representative - who said that - - has no r... |
Synchrony Financial Debt collection disclosure verification of debt right to dispute notice not received June 22, 2016 - I purchased furniture - -/-/2015 via Synchrony Bank 's 12 mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on -/-/2015 from Synchrony Bank stating that the acct. was charged off and sold -. Company as a collector. I never once rec 'd any bills, phone calls, emails from - or Synchrony Bank prior to account being sold. When I rec 'd the letter, I called - and Synchrony, neither were willing to help me. I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after - y... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt June 8, 2016 - Creditor sent a demand letter to consumer on - -, -. Consumer responded on - -, - with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. ... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt June 6, 2016 - I 've been victimized by the illegal collection practices of - - - - - - -. - Consumer is who I acquired the credit card through as a college student who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my thirties. With a -dollar limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of $75.00 dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying - - - dollars... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt May 30, 2016 - After checking my credit report there was a line showing an open account with Synchrony Bank/Amazon with a balance of over $1000.00, but only reporting to - credit bureau. I contacted the company asking them to update and remove the account. They said the debt had been verified as mine, because I had disputed it before and never received a letter of validation, the company also would n't disclose when they sent the letter of validation, and has never attempted to contact me to continue to collect on the debt that is supposedly owed. ... |
Synchrony Financial Debt collection disclosure verification of debt right to dispute notice not received May 28, 2016 - JC Penney/GE Credit incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( - - on -/-/- per fax from him ). - said the bills were returned to GE by the USPS as not received. I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid -/-/- and JC Penney/GE sold it to a credit collector. Upon notice from credit collector, I called JC Penney, and spoke to - -, their Repr., -/-/-, who said he would pull my account back from credit collector a... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt May 26, 2016 - I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong -. I retained a firm that sent a legal request for debt validation as per Federal law in - ( attached ). This was never responded to. I have seen that the lawsuit has been stopped but I fear they will try and bully me again. The law says a debt must be fully validated, as per the letter that was sent to -. ... |
Synchrony Financial Debt collection disclosure verification of debt not given enough info to verify debt May 12, 2016 - I filed a dispute requesting verification of a debt that is being reported by - - - ( - ) for account - -. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from - which was summarily ignored. 45 days after my initial request I, again, requested debt validation from -. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find th... |