Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This complaint is the 6th related incident, new incident, # 6 of 5 previous that are pending. Each are separate individual cases. Do not accept a response from Synchrony bank this is a duplicate complaint as it is one of now 6 separate individual cases, each with its own single violation. After being notified via my attorney, of a pending automatic stay in place as to bankruptcy filing of XX/XX/XXXX Synchrony bank has willfully and intentionally violated my consumer protection rights and violated the courts order of the automatic stay to not communicate or continue collecting activity as per federal law. Such law pursuant to 11 U.S.C. ; XXXX of the bankruptcy court, filed and sent, direct fax to Synchrony bank and its representatives, XXXX XXXX XXXX on XX/XX/XXXX by my attorney. This alleged debt was previously addressed in XX/XX/XXXX. Synchrony bank had their representatives, XXXX XXXX XXXX attempt to intimidate me in the collection of this alleged debt by filing a frivolous civil action on XX/XX/XXXX. I immediately responded with an answer with multiple documents and discovery evidence on XX/XX/XXXX to the court as well as synchrony banks representatives, XXXX XXXX XXXX on same day. On XXXX after receiving my response to this frivolous claim, civil complaint, XXXX & XXXX on behalf of their client, Synchrony bank filed for dismissal of this civil case ( see attached court log, stipulation of dismissal ). Since then, I received collection letters in the mail directly from synchrony bank, to date, three. One dated XX/XX/XXXX, another dated XX/XX/XXXX and recently, another dated XX/XX/XXXX. After receiving the two, my attorney immediately notified synchrony bank, and corporate regulators of this violation, reminding them of the automatic stay they may be in violation of and held in contempt of court proceedings if they continued and to immediately cease and desist any further communication with me. This email and notification of being received by synchrony bank executive board and regulatory department was on XX/XX/XXXX. Emails back from synchrony bank are attached as received. 

On XX/XX/XXXX I received notification from my credit monitoring that on XX/XX/XXXX synchrony bank pulled a soft inquiry of my personal credit report without legal permissible purpose, as filing of bankruptcy was on XX/XX/XXXX and Synchrony bank as well as their representatives were notified electronically and direct fax on XX/XX/XXXX still illegally pulled my credit report Since there is no further relationship between the creditor and me, there is no permissible purpose for Synchrony bank to legally retrieve my credit report or information. Such activity is prohibited and these circumstances violates my consumer protection rights under the Federal Fair Debt Conditions Practices Act ( FCRA ). This is the 6th individual, incident of Synchrony bank continues to harass, intimidate and unethically manipulate and abuse the law. They have now violated the automatic stay in place set vy the superior court but has also violated my attorneys demand to cease and desist such action or activity.

Im asking the CFPB to take immediate action and also forward this complaint to the appropriate government agency for further investigation amd possible sanctions against this outrageous company, Synchrony bank.

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