Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am writing this complaint to bring to the attention of Synchrony Bank their violation of the Fair Debt Collection Practices Act ( FDCPA ). According to the FDCPA, once a consumer has requested that a debt collector cease communication, the debt collector must honor this request and refrain from further contact. Per your response on XXXX XX/XX/XXXX to my original complaint you acknowledge my phone call on XXXX XX/XX/XXXX requesting a cease and desist however every day I continue to receive phone calls from Synchrony Bank from collection representatives in XXXX regarding the matter and auto-dialer messages. In total over XXXX calls have been made to my phone repeatedly regarding this matter despite my cease and desist request. 

These repeated attempts to contact me despite my clear request to cease communication constitute a violation of the FDCPA and this letter serves as a formal notice of my claim for damages. As previously stated per your own acknowledgement on XXXX XXXX I provided Synchrony Bank with a request to cease all communication regarding the alleged debt, as per my rights under the FDCPA. Despite this clear request, your company has continued to contact me multiple times daily, as evidenced by my call log and voicemail messages that I have attached including dates, times, and forms of communication. 

As a result of these ongoing FDCPA violations, I have suffered damages, including but not limited to emotional distress, inconvenience, and invasion of privacy. Your actions have also caused a negative impact on my personal and professional life. 

In light of your company 's blatant disregard for the FDCPA and the harm I have suffered as a result, I am seeking monetary damages in the amount of {$5800.00} covering the outstanding balance of {$840.00} for XXXX XXXX account ending in XXXX and {$4900.00} for PayPal Credit account ending in XXXX, which is far less than the maximum allowed under the FDCPA for each violation. Current law allows me to sue in the amount of {$500.00} - {$1500.00} per unwanted call totaling between {$31000.00} - {$93000.00} for the amount of calls that have been made. This does not include the amount of calls that will continue to be made to my phone in the interim of you receiving, investigating, and responding to this request. In addition I am requesting all derogatory information regarding these accounts to be deleted from my credit reports. 

Please consider this letter a good faith attempt to resolve this matter before proceeding with formal legal action. I kindly request that you respond to this notice within XXXX business days with your intention to resolve this issue. Failure to respond within this timeframe or to reach a resolution will result in legal action being initiated against your company. I have also filed a complaint with the Ohio Attorney General XXXX XXXX regarding this matter as this is a repeat violation of FDCPA and the Telephone Consumer Protection Act.

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