Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am disputing VERIFICATION METHODS OF XXXX XXXX XXXX XXXX XXXX on this alleged debt referenced in your communications and to demand immediate VERIFICATION of the debt under the Fair Debt Collection Practices Act ( FDCPA ), Regulation F, and other applicable laws. In addition, I am bringing to your attention a discrepancy in the balance amounts reported on my account. Specifically, the balance reported on XX/XX/XXXX was {$2300.00}, but the balance reported on XX/XX/XXXX was changed to {$0.00}. This inconsistency raises concerns regarding the accuracy and validity of the alleged debt. 

As of this date, you are required to provide the following information to verify that you have the right to collect the alleged debt from me : A complete and legible copy of the original contract or original purchase agreement that created the alleged debt. This must include all signatures of all parties involved in the transaction. 

A full and accurate copy of the original creditor 's agreement, including all original terms and conditions, along with any addenda, amendments, and riders to the agreement. 

Proof of the chain of ownership of the alleged debt. This includes proof of assignment of the debt from the original creditor to the current owner. The proof must show a continuous chain of ownership from the original creditor to the current holder without any break in the chain. 

A complete and accurate accounting history of the alleged debt, including a full breakdown of every payment made towards this debt, the dates of such payments, and the date of first delinquency that led to the collection status. This information must be provided directly from the original creditor. 

Proof that XXXX XXXX XXXX XXXX XXXX is legally authorized to collect on this alleged debt in the state of Nevada, including providing a copy of your third-party debt collection bond for Nevada. This is a legal requirement under Nevada state law. 

Additionally, I request that you provide proof of the FTC v. XXXX XXXX XXXX case and any applicable rulings regarding the legally required notices that must be sent to a consumer before collections can commence. I require this evidence to ensure compliance with all legal requirements under the FDCPA. 

Furthermore, as outlined in Regulation F, which went into effect on XX/XX/XXXX, you are required to provide clear and accurate documentation regarding the debt, as well as ensuring that all communications are compliant with these updated regulations, including accurate and timely notices. 

As required under the FDCPA, I hereby demand that you cease and desist from attempting to collect on this alleged debt. Additionally, I request that you immediately delete this alleged debt from my consumer profile with all credit reporting agencies, including XXXX, XXXX, and 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