Consumer complaint received 2017-12-13
Company: SYNCHRONY FINANCIAL
State: CA
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 sent a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX for Gap Visa dated XX/XX/XXXX received and signed for on XX/XX/XXXX regarding a claim that I had an account with them that was {$480.00} past due. I formally put them on notice with that letter that I was disputing such claim and asked for validation of the debt bearing my signature. On XX/XX/XXXX, I ordered a new credit report and can confirm they did not furnish the three ( 3 ) major credit bureaus with the required disclosure, within the period required by law. As required by law, a creditor must place a " notice of dispute '' on an account within 30 days of dispute, as such they have violated FCRA Section 623 ( a ) ( 3 ) and/or FDCPA Section 8079 ( 8 ) by not placing the disclosure within the required 30-day time period. My most recent credit report dated XX/XX/XXXX shows that this alleged account of mine has still not been marked as disputed and is in clear violation of the law. On XX/XX/XXXX I received a reply from XXXX XXXX that was nothing more than a letter stating that according to their records an account was opened in my name on XX/XX/XXXX and the debt was considered valid once the account was opened and subsequent transactions were made on the account. Accompanying the letter was a screenshot from someones computer with my name and additional information blacked out and copies of statements dated XX/XX/XXXX-XX/XX/XXXX but no contract bearing my signature which is the only legal means by which a debt can be validated. On XX/XX/XXXX I sent another certified letter ( XXXX XXXX XXXX XXXX XXXX ) which was received and signed for on XX/XX/XXXX reminding XXXX XXXX that they failed to place a " notice of dispute '' on my credit file and were in violation of FCRA Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. It is my belief that XXXX XXXX is in willful non-compliance as per responsibilities of furnishers of information to consumer reporting agencies, [ 15 USC 1681s-2 ]. On XX/XX/XXXX I received a letter from XXXX XXXX  stating that they have reviewed the account record and believe they are reporting it correctly and would not be making any changes to it. They did not provide any supporting documentation bearing my signature that this is my account as required by law. On XX/XX/XXXX I sent another certified letter to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) received and signed for on XX/XX/XXXX as a final good will attempt requesting validation of debt and if they were not able to do so, the item must be removed from my credit report to remain in compliance with FDCPA article 807, False or misleading representations [ 15 USC 1962e ]. On XX/XX/XXXX I received a letter from XXXX XXXX  enclosing more copies of statements and notice that they have marked their records to reflect my inquiry as being closed. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, XXXX stating they are a collections agency for XXXX XXXX  and there is a debt in the amount of {$2300.00} that is owed. I never received a letter from XXXX XXXX stating that this alleged debt was sold to a third party collection agency, another violation of FCRA. I have not responded to the letter from XXXX XXXX XXXX but will be sending them a demand letter for validation, as I have XXXX XXXX but to date has not been able to provide such.

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