Synchrony Financial Debt Help

4,008

Consumer Issues

There are 4,008 issues about Synchrony Financial

99%

Acceptable Response Time

Synchrony Financial responded to 4007 consumer issues in a timely manner

921

Issues so far in 2018

921 issues through April 25th, 2019. There were 764 consumer issues in 2017.

Synchrony Financial Debt collection

There are 4,008 consumer issues related to Debt collection

Last Updated: April 25th, 2019

If you are dealing with debt collection attempts from Synchrony Financial, it is helpful to research their strategies.

We have archived 4,008 consumer complaints against Synchrony Financial, as reported by the CFPB. It is important to remember that these complaints are not verified, although they provide great debt negotiation strategy insight by seeing how Synchrony Financial deals with collecting debt from other consumers.

Should you want to file a complaint or speak to a debt help counselor, we are here for you.

Attempts to collect debt not owed

1,421 Filings

  • Debt is not mine: 695
  • Debt was already discharged in bankruptcy: 36
  • Debt was paid: 438
  • Debt was result of identity theft: 252

Debt Verification

849 Filings

  • Communications failed to disclose attempt to collect a debt: 37
  • Not enough info provided to verify debt: 670
  • Right to dispute debt notice not received: 142

False statements or representation

357 Filings

  • Attempted to collect wrong amount: 303
  • Impersonated an attorney or official: 16
  • Impersonated attorney, law enforcement, or government official: 9
  • Indicated committed crime not paying: 15
  • Indicated shouldn't respond to lawsuit: 3
  • Indicated you were committing crime by not paying debt: 8
  • Told you not to respond to a lawsuit they filed against you: 3

Harrassing Communications

939 Filings

  • Called after sent written cease communications: 28
  • Called outside of 8am-9pm: 56
  • Frequent or repeated calls: 715
  • Threatened to take legal action: 60
  • Used obscene, profane, or other abusive language: 30
  • You told them to stop contacting you, but they keep trying: 50

Improper contact or info sharing

184 Filings

  • Contacted me after I asked not to: 54
  • Contacted me instead of my attorney: 3
  • Contacted my employer: 29
  • Talked to a third party about my debt: 98

Took or threatened negative or legal action

258 Filings

  • Collected or attempted to collect exempt funds: 24
  • Seized or attempted to seize my property: 9
  • Sued you in a state where you do not live or did not sign for the debt: 14
  • Sued you without properly notifying you of lawsuit: 58
  • Threatened arrest or jail if I do not pay: 21
  • Threatened or suggested your credit would be damaged: 37
  • Threatened to sue me for very old debt: 95

Synchrony Financial Debt Settlement

If you are experiencing financial hardship and are unable to make payments to Synchrony Financial, you may have the right to settle your debt for less than the full amount.

Synchrony Financial Debt Management

If you are experiencing financial hardship and burdened by fees and interest, you may qualify to enter your debt with Synchrony Financial into a debt management plan. The goal of a debt management plan, also known as credit counseling, is to repay the full amount with more beneficial terms to the consumer.

Debt collection / Unknown

I owed the original debt to Belk and fell behind

Synchrony Financial Improper contact or info sharing / Talked to a third party about my debt

03/06/2019

I owed the original debt to Belk and fell behind due to the loss of my job. Belk sold the debt ( approx. {$500.00} ) to XXXX XXXX XXXX ( XXXX ). XXXX then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted XXXX and Belk to demand my

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Debt collection / Credit card debt

On XXXX XXXX,2019 my friend got a call from XXXX

03/06/2019

On XXXX XXXX,2019 my friend got a call from XXXX XXXX XXXX at XXXXBecause I contacted lawyers on behalf of a friend I wondered if that was them but I don't recall giving out my friends number. I called back but got voice mail for XXXX. XXXX called me back and transferred me to XXXX XXXX who said they are a law firm and will have to take me to

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Debt collection / Credit card debt

I reached out to this company several times, most

Synchrony Financial False statements or representation / Attempted to collect wrong amount

03/05/2019

I reached out to this company several times, most recently XXXX XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, asking for proof of the debt and debt amount. I have received a statement from the collection agency each time that I send a letter, but not the original contract or itemized statement of amount owed from the original creditor. I have also disputed

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Debt collection / Credit card debt

Since XX/XX/XXXX I mailed a certified letter to

03/04/2019

Since XX/XX/XXXX I mailed a certified letter to the collection agency XXXX XXXX asking them verify or remove the debt. They did not respond to my letter within 30 days. On XX/XX/XXXX I asked XXXX to remove the debt since they did not verify the debt to me within 30 days. XXXX sent to XXXX XXXX a request for verification and it came back valid to

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Debt collection / Other debt

XX/XX/XXXX Contacted PayPal Credit customer

Synchrony Financial Attempts to collect debt not owed / Debt is not mine

02/23/2019

XX/XX/XXXX Contacted PayPal Credit customer service to inquire about fraudulent/unauthorized purchases XX/XX/XXXX Received letter from PayPal credit acknowledging claims XX/XX/XXXX Submitted affadavit of fraud via mail XX/XX/XXXX-XX/XX/XXXX Attempted to contact customer service again XX/XX/XXXX Spoke with customer service to inquire about status

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Debt collection / Credit card debt

In XX/XX/XXXX I pulled all three credit reports. I

02/22/2019

In XX/XX/XXXX I pulled all three credit reports. I noticed an account from XXXX XXXX XXXX, XXXX. In XX/XX/XXXX I disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX. ( Letter enclosed ) Prior to this XXXX XXXX XXXX,

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