Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX a complaint, one of multiple to the CFPB, XXXX, Federal Trade Commission and the NJ Attorney Generals Office were filed against XXXX XXXX XXXX as well as their client, Synchrony bank as to an alleged debt. This has been an ongoing situation for over a year until this most recent agent of Synchrony bank, XXXX XXXX XXXX XXXX began sending me collection letters and correspondence on behalf of Sychrony bank. After just three complaints against XXXX XXXX XXXX were made, along with letters of debt verification and cease and desist letters to them as well, this company, XXXX XXXX XXXX retaliated by filing a fraudulent and frivolous civil action against me as to this alleged debt. I immediately filed a response answer the next today to the court and Im well prepared to expose this fraudulent alleged debt by Sychrony bank a now XXXX XXXX XXXX XXXX. A recent complaint to the CFPB, # XXXX filed in XX/XX/XXXX was made directly to XXXX & XXXX being notified by my attorney of representation and cease any further attempts to contact or collect on this matter, including pending civil action. This notice was sent by my attorney on XX/XX/XXXX via direct fax and regular mail. Notification to the court clerk of XXXX XXXX  XXXX civil part was also notified. ( see attached proof of notification to XXXX XXXX XXXX XXXX and the court clerk on XX/XX/XXXX. In this complaint filed on XX/XX/XXXX and bring this to the attention of the CFPB, I also included that XXXX & XXXX, since not receiving ANY notification of cancellation of this pending civil matter or receiving any notification of Stipulation of Dismissal without prejudice from XXXX XXXX XXXX nor Synchrony bank as of XX/XX/XXXX. Date of that complaint. Being officially put on notice of representation, in receipt of court order of the automatic stay, pursuant 11 U.S.C. ; XXXX which prohibits any and all collection activities, XXXX & XXXX were now in contempt of court. A response back to this complaint of XX/XX/XXXX by XXXX & XXXX was received conveniently received on XX/XX/XXXX, ( see attached response ). In this response. XXXX & XXXX seems annoyed of this complaint by 1st mentioning of my 3rd complaint to the CFPB as if filing a legal complaint to a government tax payer funded agency is somehow wrong. XXXX & XXXX go on claim that they havent represented Synchrony bank since XXXX of XXXX but failed to mention a date. XXXX & XXXX go on to further claim that any actions alleged by me that XXXX & XXXX have taken after a XX/XX/XXXX timeline with no date mentioned is wholly untrue. XXXX & XXXX further claim that after receiving my response from their fraudulent civil complaint, that XXXX weeks after, they dismissed their civil complaint. XXXX & XXXX then claim they have not received any correspondence from me or my attorney as of this date, XX/XX/XXXX. These statements and responses from XXXX & XXXX are false and a deliberate attempt to discredit or deceive the CFPB as evidence of a faxed notification to XXXX & XXXX is attached, see dated fax XX/XX/XXXX as well as to the court clerk. Secondly, XXXX XXXX XXXX never sent notification of dismissal to me or the court or have a received any notification from the court clerk as well that this civil complaint filed by XXXX & XXXX was dismissed as they claim in XXXX of XXXX without a date or any further proof to such. XXXX & XXXX further makes false statement of this complaint filed on XX/XX/XXXX is wholly false and without merit is extremely alarming and unethical response to what is absolutely unacceptable business practices of a law firm. Falsely and knowingly making such fictitious and defamatory claims rises to what Ive mentioned before, a formal complaint to the NJ XXXX XXXX for unethical conduct and misconduct practices. Im demanding XXXX XXXX XXXX XXXX immediately provide the supposedly dismissal documents or claim of stipulations of dismissal without prejudice to the court as they claim in, some time in XX/XX/XXXX. These documents of dismissal of their civil claim should include dated documents to such. If XXXX XXXX XXXX XXXX does not comply and respond to this government agency with the appropriate legal documents of dismissal of their civil complaint with a date in XX/XX/XXXX, I will inform my attorney to file the appropriate complaint to the court as well as an official complaint to the NJ XXXX XXXX to this response by XXXX XXXX XXXX as to dismissal of a civil complaint filed by them then dismissed as they claim in this response letter dated XX/XX/XXXX.

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