Consumer complaint received 2021-02-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a complaint for Synchrony Bank who sold my account that I have been questioning and now XXXX XXXX XXXX who bought the debt that I have been questioning. 

Neither company has had much communication with me about this debt they say I owe. Ive sent emails and letters with very little response if any at all. 

Synchrony Bank : I have been disputing this " debt '' since XXXX and have got limited response back to my requests to prove the debt is mine and I signed for this debt. I have found several errors in responses they have provided me. which include the following : I was sent a letter in response to my multiple emails and letters from XXXX. In this letter were multiple errors.I sent a letter in return where I have 7 highlighted areas that are numbered 1-7. These highlighted areas are pin pointing issues with this letter I received that I would like to point out. 

Highlighted area # 1 : Dear Ms. XXXX. Are they not aware I am a XXXX? 

Highlighted area # 2 : This coincides with # 1. They spoke to me on the phone on XX/XX/XXXX. Giving me more confusion about why they would greet me with Ms. XXXX in the letter I received. 

Highlighted area # 3 : They stated on XX/XX/XXXX I applied for a Synchrony HOME Credit Card. How do they know this? Were they there? Did they see Security footage of me being there? Did they hear a recorded phone call with me in it applying for this Credit Card? Instead of just telling me I applied for this Credit Card please provide me with proof. The only Proof I believe they have seen is most likely a signature of my name. Which I can guarantee will not be my personnel signature. Which now I would like to request a copy of the Loan application you say I filled out which I NEVER received. 

Highlighted area # 4 : Joint Application. On the day XXXX Applied for a loan at XXXX XXXX I spoke with a gentleman over the phone to give him my information to be a REFERENCE on a loan application. Not to be on a joint account. I do not understand how this information was somehow mixed up or confused with. XXXX XXXX can assure you this information that I was not supposed to be on this loan. 

Highlighted area # 5 : Address on File. On XX/XX/XXXX I lived at XXXX XXXX XXXX in XXXXXX XXXXXX. Was this the address on file? I did not receive any letters, phone calls, or emails about this account from Synchrony. I did not find out this Account was in my name until I got a Negative hit on my Credit Report. That is when I started to fight this. I have hired a Credit Reporting Attorney that is also looking into this matter which I also gave them a copy of the CFPB return letter which showed the Errors I am pointing out in this letter.I gave them an updated address thinking maybe I will start getting some letters/notices about this account ( account that I still dont know the full account number of ) being delinquent. Yet, I still havent got any form of contact about this delinquent account besides the letter about the CFPB case that I started. I even considered on offering to pay this debt for XXXX in return to get this off my Credit Report. But, I cant even try that because I have NO information about this account to attempt this. Every effort I make to get any info I am turned down because I do not have enough information to give on this credit card. 

Highlighted area # 6 : They stated in this letter that Synchrony Bank did not receive a payment after XX/XX/XXXX. I dont understand this. Please explain to me how payments were not received BEFORE the credit card was even applied for which they stated was on XX/XX/XXXX? Is this error a lack of knowledge of this case or just laziness? Both of these reasons irritate me mainly because this account has ruined my credit report which has affected my life in a negative way very much and no one is even making an effort to help me. Synchrony is a large Corporation but of course you know this, these errors and/or lack of knowledge is unacceptable for business practices for such a large company. 

Highlighted area # 7 : Charge off as loss on XX/XX/XXXX. How can a Loan be charged off 1 month after the credit card was issued which they stated was XX/XX/XXXX? 

I understand typos happen, but in a professional letter that is impacting someones life severely, errors like these should be extremely important to not happen. This makes me think this is NOT important to Synchrony and not worthwhile. Which is Unacceptable. I will Not stop fighting this until it is fully removed from my Credit Report. I am documenting everything as it goes on including all the mistakes, errors and lack of communication that Synchrony is doing that is impacting my livelihood. 

Synchrony Bank then SOLD this debt to XXXX XXXX. 

XXXX XXXX : I once again noticed a Derogatory mark on my credit report on XX/XX/XXXX. I waited to see if I would get any for of contact from them. NOTHING came. On XX/XX/XXXX I sent an email to communicate with XXXX stating my dispute with this account since they are killing my credit report but no communication with me. On XX/XX/XXXX I received an email back saying it has been sent over to the disputes department. Since then I had sent the same email to the disputes department 2 times with no response. All while it is killing my credit report. I finally decided to send a debt validation letter to XXXX and I finally got a letter back, which once again had a major error on it. The letter stated to main account holders name. which is my ex girlfriends name which is who the loan was only supposed to be in. Then it states the main account holders last 4 numbers of social security number. which is the last for of MY ss # not my ex girlfriends. I find it extremely sad that I am reaching out to them to communicate with me with very limited response. You would think it would be the other way around, but NOPE. I have NEVER received any bill saying I need to pay $ XXXX amount. I have requested several times from the start of me disputing this debt that I need a copy of the original contract. which I yet have seen. I want this off my credit report. My credit report doesnt have a single negative make on it besides this " debt ''. It needs to be removed. I will not stop until it is removed.

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