Consumer complaint received 2023-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I am writing to complain about a debt collection company that is harassing me for a debt that I do not owe. The debt collector was informed that the debt is fraudulent. After their findings they canceled/deleted the debt and removed it from my credit report. ging. However, they turned around and opened a new account with a new account number without my permission and charging me for it by sending a monthly bill. Please note the account numbers. Thats fraud. 

I sent them a XXXX and XXXX and an Affidavit of truth via certified mail to stop all communications. Please see attachments of the XXXX emails and mail that they still continue to send. I believe that the debt collector 's actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from harassing or threatening consumers. 

The Consumer Financial Protection Bureau ( CFPB ) has the authority to impose a civil penalty of up to {$1000.00} for each violation of the Fair Credit Reporting Act ( FCRA ). This includes violations of the harassment provision of the FCRA, which prohibits creditors and debt collectors from engaging in any conduct that would cause a consumer to feel harassed, abused, or intimidated. 

If a creditor or debt collector has violated the harassment provision of the FCRA, the consumer may file a complaint with the CFPB. The CFPB will investigate the complaint and, if it finds that the creditor or debt collector violated the FCRA, it may impose a civil penalty. 

The CFPB has imposed civil penalties on creditors and debt collectors for a variety of harassment violations, including : Repeatedly contacting a consumer at work or at their home, even after the consumer has asked them to stop Using threatening or abusive language Making false or misleading statements about the consumer 's debt Threatening to take legal action against the consumer if they do not pay the debt, even if the creditor or debt collector does not have the legal right to do so If you have been contacted by a creditor or debt collector who has harassed you, you should contact the CFPB to file a complaint. You may also want to consider consulting with an attorney to discuss your legal options. 

In addition to the civil penalty, the CFPB may also order the creditor or debt collector to pay you compensation for the harm that they have caused. This can include compensation for emotional distress, lost wages, and other financial losses. 

If you have been a victim of a harassment violation, you should contact the CFPB to file a complaint and to learn more about your legal options. 

Here are some tips for dealing with a creditor or debt collector who is harassing you : Keep a record of all communication with the creditor or debt collector. This includes recording phone calls, saving emails, and keeping copies of letters. 
Be polite and firm when you ask the creditor or debt collector to stop contacting you. 
If the creditor or debt collector continues to contact you, you can send them a cease and desist letter. The cease and desist letter should state that you are requesting that the creditor or debt collector stop contacting you and that you will take legal action if they do not comply. 
If the creditor or debt collector continues to contact you after you send them a cease and desist letter, you can file a complaint with the CFPB. 
You may also want to consider consulting with an attorney to discuss your legal options.