Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Demand for Validation and Documentation Alleged Synchrony Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter serves as a formal demand for validation of the alleged Synchrony Bank account referenced in your correspondence dated XX/XX/year>, which I did not receive until XX/XX/year>. You claim your firm is preparing litigation concerning a balance of {$2000.00} on a TJMaxx Rewards Mastercard. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and relevant state law to request all legally required documentation before any further action is taken. 

I've been in contact with Synchrony Bank since last year disputing the accuracy of the balance and requested a full investigation. That request was ignored. No corrective documentation, reconciled statement, or response has been provided. This year I filed a complaints in XXXX as well and not once was I told that they would be using a outside agency to collect. 

Before any further attempt to collect or litigate, I require the following : A complete copy of the original signed account application This must include the original signed application, not a summary or facsimile. 
A full and unbroken chain of title and assignment If the account has been sold, transferred, or assigned at any point, you must provide all applicable contracts, including the bill ( XXXX ) of sale and transfer manifest showing my specific account was included. 
A complete copy of any applicable XXXX XXXX XXXX If Synchrony Bank entered into a forward flow agreement with any third party, including your firm or an intermediary, provide that agreement along with account-level documentation proving my specific account was included in such a transfer. 
A sworn declaration identifying whether this account has ever been securitized If securitized, identify the trust name, pooling and servicing agreement ( PSA ), and SEC references. If not, a written declaration must confirm this. 
Legal documentation establishing standing to collect or initiate litigation This includes proof that your firm or Synchrony Bank currently retains all enforceable rights to this alleged obligation. 
A notarized affidavit from a Synchrony Bank XXXX The affidavit must attest to the current ownership of the account, the amount claimed, and that it was not sold, securitized, or otherwise transferred in a manner that severs enforceable rights. 
A detailed reconciliation of the alleged balance Provide a full itemized breakdown showing how the balance of {$2000.00} was calculated, including all fees, interest, credits, and charges. Also provide written clarification as to why my multiple formal disputes by mail and here submitted in were ignored. 
This letter also serves as official notice that I filed a formal complaint with the Consumer Financial Protection Bureau against you XXXX XXXX XXXX and Synchrony Bank for failure to respond to my prior dispute and for threatening legal action without properly validating the debt. 

Please respond to this demand in writing within XXXX calendar days. No phone communication is authorized. All future correspondence must be made in writing only.

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