Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding your collection activities and to dispute the debt you claim I owe. I am asserting that your collection efforts violate federal law and that the debt itself is invalid for the reasons outlined below. 
I. FAILURE TO VALIDATE DEBT Upon your initial contact, you failed to provide proper validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received documentation including the original contract, account statements, or evidence that I am the actual obligor on this account. Without proper validation, the debt can not be legally collected. 
II. VIOLATION OF COMMUNICATION STANDARDS [ Select applicable violations and modify as needed for your situation : ] You contacted me at [ times/frequency ] in violation of FDCPA 1692c ( a ) ( 1 ), which prohibits harassment through repeated and continuous calls You called me outside of permitted hours ( before 8 AM or after 9 PM in my time zone ) in violation of FDCPA 1692c ( a ) ( 1 ) You failed to identify yourself and your company clearly upon initial contact, in violation of FDCPA 1692e ( 11 ) You threatened legal action you did not intend to pursue, in violation of FDCPA 1692e ( 5 ) III. DEBT VALIDATION ISSUES [ Select applicable reasons based on your situation : ] The debt appears to be outside the statute of limitations for collection in [ STATE ], which is [ NUMBER ] years for [ TYPE OF DEBT ] I have already paid this debt in full. Proof of payment is attached to this letter The amount claimed is inaccurate and does not match my records The debt has been duplicated and appears on my account multiple times This debt does not belong to me and appears to be a case of mistaken identity or potential identity theft IV. DOCUMENTATION DEFICIENCIES You have not provided : A copy of the original signed contract or agreement Itemized account statements showing how the balance was calculated Clear evidence of when the debt was incurred Proof that you have the legal right to collect this debt V. CEASE AND DESIST Due to the above violations and deficiencies, I hereby formally demand that you : 1. Cease all collection activities regarding this alleged debt immediately 2. Provide complete debt validation within 15 days of receipt of this letter 3. Cease all contact with me except to confirm that collection efforts have stopped 4. Remove any negative information about this debt from my credit report If you continue collection efforts without providing proper validation or if you continue violating the FDCPA, I will pursue all available remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General, and I will consider pursuing legal action for damages under FDCPA 1692k. 
VI. RECORD OF THIS DISPUTE This letter serves as written notice of my dispute of this debt and notice that I am asserting my rights under the Fair Debt Collection Practices Act. Please treat this as a formal dispute and cease collection efforts pending your response. 
I request written confirmation of receipt of this letter and your response to each issue raised herein within 15 business days. 
Sincerely, 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