Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Here is a fully integrated, sharpened version that explicitly calls out Venmos role and conduct as part of the same compliance failure, while keeping it CFPB-appropriate, legally grounded, and scorched-earth but clean. I wrote it so you can paste it directly, then trim if needed. 



What happened? 

On XX/XX/XXXX, I transmitted a formal Cease-and-Desist and Limited Communications Notice to Synchrony Bank XXXX XXXX XXXX Successful delivery was confirmed the same day, as reflected in the attached XXXX confirmation. This notice explicitly disputed the alleged debt, revoked any prior consent to contact, and instructed Synchrony Bank to immediately cease all collection communications except those narrowly permitted by law, consistent with XXXX U.S.C. 1692c ( c ) and applicable state consumer protection statutes.

Despite receipt of this lawful notice, Synchrony Bank subsequently engaged in further written communications. As reflected in the attached exhibits, I received a USPS Informed Delivery notification on XX/XX/XXXX, and preserved a contemporaneous, date-stamped screenshot upon receipt. This documentation is submitted in good faith to accurately establish the timing, existence, and content of post-cease correspondence. 

The mailed communication received thereafter was a billing statement associated with Venmo, issued by or on behalf of Synchrony Bank, containing the langu

age : STATEMENT ENCLOSED. Payment May Be Required. This communication was sent after a valid cease-and-desist was in full effect and does not fall within any statutory exception. The language used was ambiguous, payment-oriented, and reasonably construed as an attempt to induce payment. It did not constitute a permissible confirmation of cessation, nor did it provide notice of specific legal action actually being initiated, as required for post-cease contact under 15 U.S.C. 1692c ( c ) ( 1 ) ( 2 ).

Courts have consistently held that the substance of a communication controls, not the label applied to it. Communications that implicitly or explicitly reference payment obligations constitute collection activity, regardless of whether they are framed as statements, informational notices, or account updates. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX involvement in this matter further compounds the compliance concerns. XXXX markets itself as a consumer-friendly financial platform, yet repeatedly deflects accountability by routing credit-related activity through Synchrony Bank while continuing to interact with consumers through automated, opaque, or misleading communications. In this instance, the Venmo-branded statement obscured the true legal posture of the account, failed to disclose that the debt was actively disputed, and used equivocal language ( may be required ) that appears designed to pressure payment while avoiding explicit acknowledgment of the cease-and-desist.

Such conduct reflects a broader pattern in which Venmo functions as an intermediary shield, allowing Synchrony Bank to continue collection activity under alternate branding while attempting to dilute consumer rights through ambiguity and fragmentation of responsibility. This tactic undermines the purpose of the FDCPA and frustrates meaningful consumer dispute resolution.

Further, Synchrony Bank failed to provide legally sufficient debt validation either before or after sending this communication. No signed agreement, no itemized accounting, and no authenticated documentation establishing liability were produced. Generic statements, internal summaries, or system-generated correspondence do not satisfy the validation requirements of 15 U.S.C. 1692g ( b ) when a debt has been timely disputed. Continued collection activity in the absence of validation constitutes an independent statutory violation.

Additionally, Synchrony Bank continues to furnish or permit the furnishing of information related to this disputed and unvalidated account. Reporting an alleged debt without conducting a reasonable investigation after notice of dispute violates 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act. Information may be inaccurate or misleading if it presents a debt as valid while failing to disclose or resolve a bona fide dispute. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Because Venmo credit products are issued, serviced, and underwritten by Synchrony Bank, any communication sent under the Venmo name remains legally attributable to Synchrony Bank as creditor and furnisher. The use of trade names, affiliate branding, or platform-based interfaces does not alter statutory obligations, defeat consumer protections, or cure post-cease violations. A creditor may not evade liability through rebranding, internal routing, or the use of fintech intermediaries.

Synchrony Banks conduct also implicates Minnesota state law, including Minn. Stat. 332.37 ( 12 ) ( harassment or improper conduct by a collection agency ) and Minn. Stat. 325F.69 ( deceptive and unfair business practices ), insofar as it continued to send payment-oriented communications after lawful restriction and failed to clearly disclose the disputed and unresolved status of the alleged debt.

In sum, Synchrony Bank and its Venmo-branded credit operation : Received a valid cease-and-desist and dispute notice on XX/XX/XXXX Engaged in post-cease written communication containing payment-oriented language Failed to provide legally sufficient debt validation Used ambiguous phrasing reasonably construed as continued collection activity Continued furnishing or enabling the furnishing of disputed information Attempted to rely on branding and platform distinctions that do not alter legal responsibility Requested Regulatory Action I respectfully request regulatory review of Synchrony Banks and Venmos postcease-and-desist collection activity, their failure to validate the alleged debt as required by federal law, their continued use of ambiguous payment language after communications were lawfully restricted, and their ongoing furnishing of disputed information.

I further request confirmation that all collection activity has ceased, that the alleged debt has been properly validated or withdrawn, and that the account has been closed as resolved without further contact, except as expressly permitted by law.

Legal Side Note : d/b/a and Affiliated Entity Liability Any attempt by Synchrony Bank to distinguish liability based on branding, trade name, affiliate, servicer, platform, or doing business as designation is legally ineffective. A d/b/a is not a separate legal person, but merely a trade style through which the same legal entity operates. Where Synchrony Bank issues, underwrites, services, furnishes, or authorizes communications related to the account, all actions taken under any trade name or affiliated branding, including Venmo, are legally attributable to Synchrony Bank.

Courts and regulators recognize that d/b/a and affiliate structures establish a nexus of responsibility, not a firewall. A creditor may not evade statutory obligations under the FDCPA or FCRA by routing communications through a fintech platform, intermediary, or alternate name. Liability attaches to the underlying legal entity exercising control over the account, the data, and the collection activity, regardless of how the communication is labeled or brandedXXXX XXXX XXXX XXXX XXXX If you want next, I can : Cut this down to CFPB character-perfect length Add CFPB enforcement citations against fintechbank partnerships Draft the inevitable Synchrony we complied rebuttal Convert this into a state AG complaint mirror And yes, your instinct is right. The Venmo layer is the weak seam.

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