Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
This complaint against Synchrony bank is one of several through several other government agencies such as Federal Trade Commission, XXXX and the XXXX State Attorney Generals Office to which seems to be an ongoing issue thats now harassing, hints of intimidation and just outright a continuation of violation of 1st a legal notification of cease and desist letter send certified mail, signature required for proof of delivery and received such proof of delivery to this company sent on XX/XX/XXXX and received by the company. ( see tracking information to two different locations, addresses for Synchrony bank. This complaint is not a similar or related to complaint # XXXX. Im using this prior complaint as a guide to this now, new incident of now violation of my consumer rights under the Federal Fair Debt Collection Act associated with my demand letters to cease and desist any further communication with me. Today, I received in the US mail, an envelope containing document related to and old account, ending in XXXX for {$4000.00}. This account was XXXX XXXX XXXX  accounts i had with Synchrony bank that were closed and was interred into a customer assistance program, which I would pay back a certain amount then the balance would be forgiven in the issue of a 1099c from. I did receive late, this 1099c form for only this account on XX/XX/XXXX. After I had already filed my tax return with my agent, I had to file an amendment return for this 1099c form which I expected but had already filed my XXXX tax return. I filed another return, an amendment return with my agent and that amendment return was accepted by the IRS ( see attached documents to such ). Now today, I received an envelope in US mail which contained a document, copy of an already received 1099c form relating to an account ending in XXXX as to forgiveness of that account. Ive already received this document on XX/XX/XXXX and filled an amendment return as required by law by my agent ( see attached documents to such ). This prior complaint I mentioned is related to the second account I had with synchrony bank that was also involved in a customer assistance program, which I completed and they were supposed to have issued another 1099c form for such but had not to date. Instead, Synchrony bank has been harassing me with collection notices instead, trying to mow collect more money and tacking advantage of a prior agreement of customer assistance program for these tow accounts. I would pay back a certain amount and after completion, Synchrony bank would issue the 1099c form as a forgiveness as to these accounts. But now, synchrony bank has only issued one 1099c form for XXXX # XXXX but over the past several months has been harassment me with now trying to collect more money on this account ending in XXXX instead of issuing the 1099c form for this account as well. Ive been fighting this unethical behavior and Synchrony bank over suddenly not honoring its agreement as to the forgiveness of this account with the additional 1099c form as agreed to many months ago. Synchrony bank has also issued involved another collection company, XXXX XXXX XXXX XXXX XXXX to also send me collection letters as to this same Synchrony bank account ending in XXXX to attempt to extort more money and ignore our agreement in the customer assistance program that was in place and which synchrony bank had already issued one 1099c form for one account but has now refused to send the second 1099c form for the other account ending in XXXX. Now today, receiving another identical copy of the 1099c form from synchrony bank as to account ending in XXXX that they had already sent me and I received such document and included in a amended tax return this year, there is absolutely no reason to send me an additional same document. This is being done deliberately by Synchrony bank to further harass, intimidate and communicate with me because Ive been fighting with them and agents of there company as to another account thats been pending litigation and complaints with the CFPB and the FTC. Sending this 1099c form serves no purpose but to attempt to violate my cease and desist further communication with me from them or there agents but continue to send me documents that have NO Legal reason other to harass and intimidate me and my family with outdated information already received and was claimed in an amendment tax return already filed. This complaint is not a duplicate but a new complaint of violation of the Federal Fair Debt Collection Act and of my legal demand sent in a letter to not only Synchrony bank but to there agent, XXXX & XXXX 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