Consumer complaint received 2026-04-24 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: HI

Complaint narrative:
I am filing a complaint against XXXX XXXX, a debt collection company ( phone number : XXXX ). In XX/XX/year>, I contacted the company and set up a payment arrangement on my account. I made two payments at that time and initially set up automatic payments using my sons bank account, as he had agreed to assist with payments. That account was later closed. After the account was closed, I contacted XXXX XXXX and informed them that I would continue making payments manually through their website. I made payments for XX/XX/year> and XX/XX/year> as agreed. Despite making consistent and timely payments, I have continued to receive repeated collection calls from XX/XX/year> through today, XX/XX/year>. On XX/XX/year>, at approximately XXXX XXXX ( Hawaii XXXX ), I called XXXX XXXX to ask why I was still receiving calls. The representative, XXXX, initially stated that the purpose of the calls was to make a payment arrangement. I informed her that I had already set up a payment arrangement in XX/XX/year> and had been making payments diligently each month. After I explained this, she stated, Oh yes, I see you made the XXXX payment. I then requested that the calls stop since I am current on my agreed payments. However, she stated that the calls would continue automatically unless I set up auto-pay. I explained that I am unable to set up auto-pay at this time but that I have been making payments consistently. I again requested that the calls stop. The representative refused to stop the calls, refused to transfer me to a supervisor, refused to provide her full name, and then ended the call. I called back and spoke with another representative named XXXX. During the call, he later stated that his supervisors name was XXXX. I again requested to speak with a supervisor regarding the repeated calls. I also informed him that I was recording the call. XXXX refused to transfer me to a supervisor, would not provide any identifying information beyond the name given, and directed me to a website to file a complaint instead. When I requested a callback from a supervisor due to the ongoing calls, XXXX stated that I was harassing him, said he did not care, and then disconnected the call. I am making consistent monthly payments under a payment arrangement and am being subjected to repeated and unwanted collection calls. I have clearly requested that the calls stop, but the company has refused. I believe this behavior may violate the Fair Debt Collection Practices Act, including harassment through repeated calls and failure to respect reasonable requests to cease communication. I am requesting that : They stop Harassing me The repeated collection calls stop immediately. The company respect my current payment arrangement. A supervisor or manager review this matter and provide proper customer service.

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