Consumer complaint received 2025-09-25 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 is XXXX of XXXX ( XXXX ) pending complaints to the CFPB, each individually a new incident and all XXXX are still awaiting a response. Complaint # XXXX filed on XX/XX/XXXX, complaint # XXXX filed on XX/XX/XXXX, complaint # XXXX filed on XX/XX/XXXX and complaint # XXXX on XX/XX/XXXX. Now this complaint is the XXXX complaint filed as to a new incident and to continued harassment, intimidation and blatant disregard for not only an official notification to cease and desist communication with me with emails and letters sent by XXXX mail, but defiant disregard for a XXXX XXXX order of the Automatic Stay filed on XX/XX/XXXX and direct faxed to this companies representatives, XXXX XXXX XXXX. 

This case involves an alleged debt collection attempts by Synchrony bank that goes back almost a year that after being notified via certified mail, in a letter of both cease and desist further communication with me but also demanded debt verification that was not received. After several complaints to the CFPB, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In each response letter from Synchrony bank, they indicated they are in possession of my cease and desist letter and are no longer servicing this alleged account and debt and all communication should be sent to XXXX XXXX XXXXXXXX, their attorneys hired by Synchrony bank to attempt collecting this alleged debt. After filing XXXX, XXXX CFPB complaints against XXXX XXXX XXXX for violating my consumer protection rights, XXXXXXXX XXXX XXXXXXXX filed an unethical civil complaint against me on XX/XX/XXXX. I immediately responded with my written answer to the court with multiple attached discovery evidence on XX/XX/XXXX. After receiving my response filed with the court, then sent, certified mail to XXXX XXXX XXXX, On XX/XX/XXXX XXXX & XXXX, on behalf of their client, Synchrony bank filed a Notice of Dismissal to the court. Since then, another complaint was filed with XXXXXXXX XXXX XXXXXXXX as to this civil case and abuse of the court on XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX responded on XX/XX/XXXX through the CFPB ( see attached ). XXXX XXXX XXXXXXXX stated they have not represented Synchrony bank since XX/XX/XXXX after dismissing the civil complaint they filed. They further made false and misleading claims that they have not received any correspondence or notification from my attorney as to cease and desist any further communication with me and of being notified of violation of the automatic stay as per court order. This misleading statement was debunked by evidence, provided copies of direct fax to XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Unethical and fraudulent practices by this firm on behalf of Synchrony bank. On XX/XX/XXXX I received a letter from Synchrony bank, dated XXXX as to thanking me for notifying them of of the unauthorized opening and use of this account, which makes no sense as it was closed several years ago, Ive already have been fighting this alleged debt for almost a year with Synchrony bank that eventually led to a civil complaint that was dismissed my their attorneys on XX/XX/XXXX. On XX/XX/XXXX I notified my attorney of this illegal activity, Synchrony bank attempting to contact me AGAIN as to this alleged debt and collection. My attorney responded to Synchrony bank in a warning, ( see attached ). On XX/XX/XXXX I received another notice via XXXX mail from Synchrony bank AGAIN to this alleged debt, letter dated XX/XX/XXXX I forwarded the same to my attorney. Today, XX/XX/XXXX I received ANOTHER LETTER from Synchrony bank as to a fraud investigation somehow related to this account and alleged debt. Again makes no sense. This account was closed several years ago, was involved in a customer assistance program to pay back and completed. Now, suddenly after attempting to hire junk fee attorneys to persuade me or threaten me with civil action in a frivolous and fraudulent lawsuit to collect on this alleged debt, only to receive a response from me to this with discovery evidence that would expose their fraudulent attempts, did XXXX XXXX XXXX through their client, Synchrony bank, dismiss their civil case just XXXX weeks later on XX/XX/XXXX. Today I received another letter from Synchrony bank as to this closed account, which they have been fully advised and placed on notice by my attorney to immediately cease and desist any further communication with me and of being in contempt of court proceedings if they continue as per the automatic stay. This was communicated to Synchrony bank executives via email, see attached and response. This letter received today from Synchrony bank is AGAIN a direct violation of not only my consumer protection rights under the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ) but is now in contempt of court proceedings as pursuant to 11 U.S.C. ; 362. It should be XXXX clear that this is the XXXX complaint filed against Synchrony bank who continues to violate my consumer protection rights under Federal law but also in direct violation of the automatic stay.without any response back on any complaints filed against them through this agency, CFPB. Ive noticed my attorney and the appropriate legal action will be taken against Synchrony bank as well as notifying the court of such illegal activity.

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