Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
This letter is a formal request for validation of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. S 1692g ) I dispute this debt in its entirety and request that you provide full validation. Until such validation is provided, you must cease all collection activity and reporting. Be advised that this is not a refusal to pay, but a notice sent pursuant to federal law that your claim is disputed and validation is required. Please provide the following documentation and verification : 1. Proof of your authority to collect : - A copy of your license to collect debt in my state- Verification that you are legally authorized to collect this specific debt 2. Original creditor information : - Full name and address of the original creditor - The original account number because it has been change over 7 times which is weird. - The date the account was opened 3. Chain of title / Assignment records : - Complete documentation showing how the debt was transferred to you - Copies of all assignments, sale agreements, or transfers including dates and signatures Chain of title / Assignment records : - Complete documentation showing how the debt was transferred to you - Copies of all assignments, sale agreements, or transfers including dates and signatures 4. Signed contractual agreement : - A copy of the original contract, application, or agreement bearing my signature - Proof that I agreed to the terms that created the alleged debt 5. Detailed account history : - A complete payment, history - Itemized breakdown of the balance including : - Principal - Interest - Fees - Late charges - Explanation of how the total amount was calculated 6. Date of first delinquency ( DOFD ) : - The exact date the account first became delinquent - Documentation supporting this date 7. Statute of limitations : - Identification of the applicable statute of limitations - Proof that the debt is within the allowable timeframe for collection 3. Proof of your reporting authority to credit bureaus : - Documentation showing your legal rights to this account Statute of limitations : - Identification of the applicable statute of limitations - Proof that the debt is within the allowable timeframe for collection 8. Proof of your reporting authority to credit bureaus : - Documentation showing your legal right to report this account - Verification that the information reported is complete, accurate, and compliant with the Fair Credit Reporting Act ( FCRA ) Important Notice : If you can not provide ALL of the above documentation, you must : - Immediately cease collection efforts- Delete the tradeline from all credit reporting agencies- Provide written confirmation of deletion Failure to properly validate this debt, while continuing collection or credit reporting, may constitute violations of the FCA and FCRA, and I will not hesitate to pursue all available legal remedies. Additionally, during this validation period, you are required to : - Mark this account as " disputed '' with all credit bureaus - Cease any further collection activity until validation is complete All future communication regarding this matter must be made in writing only *

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