Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
You are now connected to XXXX XXXX. 
XXXX XXXX XXXX Message from bot Thank you for contacting XXXX XXXX XXXX, a debt collection company.Thank you for contacting XXXX XXXX XXXX, a debt collection company. 
XXXXXXXX XXXX Message from bot This chat session may be monitored or recorded. This is an attempt to collect a debt, any information obtained will be used for that purpose. By continuing this chat, you acknowledge the above-referenced terms.This chat session may be monitored or recorded. This is an attempt to collect a debt, any information obtained will be used for that purpose. By continuing this chat, you acknowledge the above-referenced terms. 
XXXX XXXX Message from bot Thank you, XXXX XXXX. We are looking for an available account manager to assist you.Thank you, XXXX XXXX. We are looking for an available account manager to assist you. 
XXXXXXXX XXXX Message from you Hello, Im reaching out with the intent to resolve my outstanding account. I would like to request a reduced settlement amount due to documented financial hardship resulting from a XXXX  XXXX situation, which severely impacted my financial and personal stability. I can provide documentation, including police reports and court orders, to substantiate this hardship under applicable privacy and legal protections. I am prepared to settle this account promptly upon agreement of a reduced amount. I am requesting your lowest possible settlement offer, taking into account my circumstances and the verified hardship. My intention is to resolve this debt in good faith, not to avoid it, and to move forward with dignity and financial recovery. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am formally requesting consideration of hardship-based relief and accommodation. I also ask that any resolution be confirmed in writing, including a clear statement that the debt will be considered paid in full upon receipt of the agreed settlement amount, and that no further collection activity will occur. If XXXX XXXX XXXX offers internal hardship settlement policies or discretionary programs in accordance with Regulation F or industry best practices, I respectfully request that those be applied in my case. Given the trauma Ive experienced and the ongoing effects on my finances, I ask for maximum leniency and the absolute lowest payoff amount possible. Please let me know what options are available, and what documentation you require. Im fully prepared to cooperate, submit supporting materials promptly, and finalize payment as soon as a mutually agreeable amount is confirmed. Thank you for your time, consideration, and compassion. I am hopeful we can come to a resolution that reflects both my willingness to take responsibility and your agencys understanding of consumer protections and hardship cases.Hello, Im reaching out with the intent to resolve my outstanding account. I would like to request a reduced settlement amount due to documented financial hardship resulting from a XXXX  XXXX situation, which severely impacted my financial and personal stability. I can provide documentation, including police reports and court orders, to substantiate this hardship under applicable privacy and legal protections. I am prepared to settle this account promptly upon agreement of a reduced amount. I am requesting your lowest possible settlement offer, taking into account my circumstances and the verified hardship. My intention is to resolve this debt in good faith, not to avoid it, and to move forward with dignity and financial recovery. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am formally requesting consideration of hardship-based relief and accommodation. I also ask that any resolution be confirmed in writing, including a clear statement that the debt will be considered paid in full upon receipt of the agreed settlement amount, and that no further collection activity will occur. If XXXX XXXX XXXX offers internal hardship settlement policies or discretionary programs in accordance with Regulation F or industry best practices, I respectfully request that those be applied in my case. Given the trauma Ive experienced and the ongoing effects on my finances, I ask for maximum leniency and the absolute lowest payoff amount possible. Please let me know what options are available, and what documentation you require. Im fully prepared to cooperate, submit supporting materials promptly, and finalize payment as soon as a mutually agreeable amount is confirmed. Thank you for your time, consideration, and compassion. I am hopeful we can come to a resolution that reflects both my willingness to take responsibility and your agencys understanding of consumer protections and hardship cases. 
XXXXXXXX XXXX Message from you Hello?? Hello?? 
XXXX XXXX XXXX XXXX : You have been connected with XXXX XXXX. Thank you for your patience. 
XXXX XXXX Message from XXXX { XXXX XXXX  } XXXX XXXX Thank you for waiting, my name is XXXX XXXX. How can I help you? Thank you for waiting, my name is XXXX XXXX. How can I help you? 
XXXXXXXX XXXX Message from you Hello, Im reaching out with the intent to resolve my outstanding account. I would like to request a reduced settlement amount due to documented financial hardship resulting from a XXXX  XXXX situation, which severely impacted my financial and personal stability. I can provide documentation, including police reports and court orders, to substantiate this hardship under applicable privacy and legal protections. I am prepared to settle this account promptly upon agreement of a reduced amount. I am requesting your lowest possible settlement offer, taking into account my circumstances and the verified hardship. My intention is to resolve this debt in good faith, not to avoid it, and to move forward with dignity and financial recovery. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am formally requesting consideration of hardship-based relief and accommodation. I also ask that any resolution be confirmed in writing, including a clear statement that the debt will be considered paid in full upon receipt of the agreed settlement amount, and that no further collection activity will occur. If XXXX XXXX XXXX offers internal hardship settlement policies or discretionary programs in accordance with Regulation F or industry best practices, I respectfully request that those be applied in my case. Given the trauma Ive experienced and the ongoing effects on my finances, I ask for maximum leniency and the absolute lowest payoff amount possible. Please let me know what options are available, and what documentation you require. Im fully prepared to cooperate, submit supporting materials promptly, and finalize payment as soon as a mutually agreeable amount is confirmed. Thank you for your time, consideration, and compassion. I am hopeful we can come to a resolution that reflects both my willingness to take responsibility and your agencys understanding of consumer protections and hardship cases.Hello, Im reaching out with the intent to resolve my outstanding account. I would like to request a reduced settlement amount due to documented financial hardship resulting from a XXXX  XXXX situation, which severely impacted my financial and personal stability. I can provide documentation, including police reports and court orders, to substantiate this hardship under applicable privacy and legal protections. I am prepared to settle this account promptly upon agreement of a reduced amount. I am requesting your lowest possible settlement offer, taking into account my circumstances and the verified hardship. My intention is to resolve this debt in good faith, not to avoid it, and to move forward with dignity and financial recovery. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am formally requesting consideration of hardship-based relief and accommodation. I also ask that any resolution be confirmed in writing, including a clear statement that the debt will be considered paid in full upon receipt of the agreed settlement amount, and that no further collection activity will occur. If XXXX XXXX XXXX offers internal hardship settlement policies or discretionary programs in accordance with Regulation F or industry best practices, I respectfully request that those be applied in my case. Given the trauma Ive experienced and the ongoing effects on my finances, I ask for maximum leniency and the absolute lowest payoff amount possible. Please let me know what options are available, and what documentation you require. Im fully prepared to cooperate, submit supporting materials promptly, and finalize payment as soon as a mutually agreeable amount is confirmed. Thank you for your time, consideration, and compassion. I am hopeful we can come to a resolution that reflects both my willingness to take responsibility and your agencys understanding of consumer protections and hardship cases. 
XXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will certainly try to help you with your query.I will certainly try to help you with your query. 
XXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please give me a moment to review your account.Please give me a moment to review your account. 
XXXXXXXX XXXX Message from you Thank youThank you XXXXXXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX We have located your XXXX  account number XXXXWe have located your XXXX  account number XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have limited access to discuss your account over the chat.I have limited access to discuss your account over the chat. 
XXXXXXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This account is being handled by our Consumer Resolution Team.This account is being handled by our Consumer Resolution Team. 
XXXXXXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I would request you to please contact our Account Managers over the phone at XXXX for further assistance.I would request you to please contact our Account Managers over the phone at XXXX for further assistance. 
XXXXXXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Is there anything else I can assist you with? Is there anything else I can assist you with? 
XXXX XXXX XXXX XXXX : Still with us? We are standing by, waiting for your response. 
XXXX XXXX Message from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Are we still connected? Are we still connected? 
XXXXXXXX XXXX Message from you XXXXXXXX XXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This account is being handled by our Consumer Resolution Team.This account is being handled by our Consumer Resolution Team. 
XXXXXXXX XXXX XXXXXXXX XXXX Message from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I would request you to please contact our Account Managers over the phone at XXXX for further assistance.I would request you to please contact our Account Managers over the phone at XXXX for further assistance. 
XXXX XXXX Message from you I want documentation of my requests so id like an email contact pleaseI want documentation of my requests so id like an email contact please XXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There is no email address that I can provide at the moment. Please call in at XXXX. And they will be able to assist you further.There is no email address that I can provide at the moment. Please call in at XXXX. And they will be able to assist you further. 
XXXX XXXX Message from you I have record of my efforts and will only proceed with documentation, not over the phoneI have record of my efforts and will only proceed with documentation, not over the phone XXXX XXXX Message from you Per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that all communication regarding this account be conducted in writing only. I do not consent to phone communication, and I revoke any prior consent to be contacted by phone. This request includes all correspondence, negotiations, or settlement discussions. I am legally entitled to restrict the method of communication, and I am exercising that right now. Continued attempts to contact me by phone after this written request may constitute a violation of federal law. Furthermore, I am requesting that you use email for written communication. Email is a form of written communication, and is consistent with the intent of the FDCPA and efficient documentation. I am maintaining a complete record of all correspondence for my protection. Please confirm in writing that you will honor this request and provide an email address where I can continue this communication in accordance with my legal rights.Per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that all communication regarding this account be conducted in writing only. I do not consent to phone communication, and I revoke any prior consent to be contacted by phone. This request includes all correspondence, negotiations, or settlement discussions. I am legally entitled to restrict the method of communication, and I am exercising that right now. Continued attempts to contact me by phone after this written request may constitute a violation of federal law. Furthermore, I am requesting that you use email for written communication. Email is a form of written communication, and is consistent with the intent of the FDCPA and efficient documentation. I am maintaining a complete record of all correspondence for my protection. Please confirm in writing that you will honor this request and provide an email address where I can continue this communication in accordance with my legal rights. 
XXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your account is being handled by a dedicated team, I can not assist you further over chat. Please call in at XXXX for further assistance.Your account is being handled by a dedicated team, I can not assist you further over chat. Please call in at XXXX for further assistance. 
XXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Is there anything else I can assist you with? Is there anything else I can assist you with? 
XXXX XXXX Message from you 15 U.S. Code 1692c ( a ) ( 1 ) Communication Restrictions15 U.S. Code 1692c ( a ) ( 1 ) Communication Restrictions XXXXXXXX XXXX Message from you I am keeping detailed records of all communication attempts, including my prior efforts to contact you by mailwhich I have already attempted and can verify. If you continue to disregard my written request and insist on phone-only communication, despite my clear and lawful directive under 15 U.S. Code 1692c of the FDCPA, this may constitute a violation of federal law. Should this noncompliance persist, I will be forced to escalate the matter. My legal team is prepared to address this through appropriate channels, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, pursuing further action. I strongly encourage your organization to respond in writing via email, as I have clearly and lawfully requested. I remain willing to resolve this matter promptly and in good faithwithin the boundaries of my rights under federal law. Thank you.I am keeping detailed records of all communication attempts, including my prior efforts to contact you by mailwhich I have already attempted and can verify. If you continue to disregard my written request and insist on phone-only communication, despite my clear and lawful directive under 15 U.S. Code 1692c of the FDCPA, this may constitute a violation of federal law. Should this noncompliance persist, I will be forced to escalate the matter. My legal team is prepared to address this through appropriate channels, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, pursuing further action. I strongly encourage your organization to respond in writing via email, as I have clearly and lawfully requested. I remain willing to resolve this matter promptly and in good faithwithin the boundaries of my rights under federal law. Thank you.

We value your time. If you have any further questions, please contact us via chat or call us at XXXX. 
XXXX XXXX XXXX XXXXXXXX Message from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for contacting XXXX. Have a great day.Thank you for contacting XXXX. Have a great day. 
XXXX XXXX XXXX XXXX : Your chat with XXXX  has ended. 
Message from you This is my final written notice that I do not consent to any phone communication and I am asserting my legal right under 15 U.S. Code 1692c ( c ) to communicate in writing only. I have made multiple good-faith attempts to resolve this matter through proper legal channels. You are now knowingly violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) by refusing to comply with a lawful request. I have preserved all records and will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I remain willing to resolve this debt, but only through documented written communication as allowed by federal law. Any continued refusal to comply will be included in my formal complaint.This is my final written notice that I do not consent to any phone communication and I am asserting my legal right under 15 U.S. Code 1692c ( c ) to communicate in writing only. I have made multiple good-faith attempts to resolve this matter through proper legal channels. You are now knowingly violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) by refusing to comply with a lawful request. I have preserved all records and will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I remain willing to resolve this debt, but only through documented written communication as allowed by federal law. Any continued refusal to comply will be included in my formal complaint.

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