Consumer complaint received 2017-10-04
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called in on XX/XX/XXXX at XXXX pm and spoke with representative from disputes department and then to the manager on duty XXXX # XXXX? ) about the 3 dispute letters Ive sent them ( all 3 were sent certified/priority signature confirmation so I know they received them ) regarding how they are in violation of federal law and the FCRA ( section 609 ) about reporting these accounts without providing me with the original signed contract at my request. The manager told me ( on XX/XX/XXXX ) they never even asked and requested the original contract for either of my 2 accounts meaning they never even read my dispute letters! They are clearly in violation and STILL refuse to delete my 2 accounts. This is complete negligence on XXXX XXXX behalf and I fully intend on suing them if they wont delete these 2 accounts after this 4th dispute letter Im sending them today! 
It has now been over 40 days since XXXX received and signed for my FIRST dispute YET are not complying with the federal law and the FCRA on having a original signed contract on file to show at the consumers ( me ) request. The only thing theyve sent me is round-about answers saying its verified and a copy of a COPY of a statement that was supposedly mine from XX/XX/XXXX and an address I never lived at! Thus, since they cant comply with my request they should in return delete these 2 accounts once again in compliance with the federal law! 

Also, have been lied too from XXXX XXXX XXXX because, I sent my dispute to XXXX and they sent me replys from a po box in XXXX and when I asked why, the representative I talked too said they come from XXXX, XXXX yet Im receiving correspondence from them supposedly in XXXX, something isnt adding up!! 

The 2 original creditors for these 2 collection accounts arent even on my credit report to begin with! ( I sent them a copy of my last report in the 4th dispute ) so how can portfolio continue on reporting these 2 unverified accounts when the original creditor that they apparently bought these accounts from still being reported??? 

Nothing ever adds up with this so-called collection company and I have been trying for months and months now to get answers but am constantly blown off, laughed at, and left even more confused on the status of my 2 disputed accounts after talking on the phone with these people? How is that possible?
I have no been dealing with this company for years! Being harassed by them and dealing with there unwillingness to ever comply with me the consumer, its absolutely ridiculous! They only comply if its in there interest but as a consumer and my right of requesting documentation under the federal law and FCRA they refuse to comply by deleting my 2 accounts that they dont have proper verification for ( original signed contract ). 

I have never filed a complaint wth the BBB and CFPB before but I will make sure I go out of my way in seeking litigation against this company for there malpractices and inappropriate willingness to comply with a consumer. 

I am tired of sitting back and being laughed at by this company when asking them for a simple demand of either providing me with my original signed contract or if they cant provide it ( which clearly they cant ) then delete these 2 collection accounts and I wont have to take this to Court! 

I am now sending out my FOURTH dispute letter today ( XX/XX/XXXX via XXXX priority signature confirmation #? ) and if we cant get this dispute and matter resolved by having portfolio deleting this 2 unverified accounts to ALL THREE credit bureaus then I fully  intend of filing a lawsuit for in-compliance on there part. 

XXXX has taken my simple consumer right that I have and turned it into a nightmare!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation