Consumer complaint received 2025-12-29 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:
Beginning in or around early XXXX, I disputed the alleged account and asserted my rights under the Fair Debt Collection Practices Act ( FDCPA ), including a written request that collection activity cease and that any further communication be limited to written confirmation only. I also requested verification of the alleged debt. 

Despite these notices, I continued to receive collection communications from XXXX XXXX XXXX, acting as a third-party collection law firm on behalf of Synchrony Bank . These contacts occurred after I had disputed the account and after I had clearly requested that collection communications stop. 

Continued contact under these circumstances constitutes a violation of 15 U.S.C. 1692c ( c ), which prohibits further communication after a consumer has notified a debt collector in writing that they wish the collector to cease communication. Synchrony Bank, as the creditor, is vicariously liable for the actions of its agents and third-party collectors and failed to adequately supervise or halt improper collection activity carried out on its behalf by XXXX XXXX XXXX XXXX 
In addition, the continued communications disregarded my dispute and verification request under 15 U.S.C. 1692g ( b ), which requires collection activity to cease until proper verification is provided. No proper verification was provided before further contact occurred. 

I took the following actions : I disputed the account, requested verification, asserted my right to cease communication, and escalated the matter through regulatory channels. Instead of complying, Synchrony Bank permitted continued third-party contact through XXXX XXXX XXXX XXXX 

I am requesting that all collection activity immediately cease, that Synchrony Bank revoke any third-party collection authority, and that I receive written confirmation that no further collection communications will occur. I also request a review of Synchrony Banks supervision of third-party collection law firms to prevent further violations. 

Attachment Description : Exhibit Description PDF Attachment ( Sworn Statement ) Exhibit __ : XXXX XXXX XXXX CFPB ( PDF ) I declare under penalty of perjury that the following is true and correct : This exhibit consists of a true and accurate copy of a PDF document reflecting written correspondence transmitted to XXXX XXXX XXXX, a law firm engaged in debt collection activity related to the account at issue in this matter. 

The document includes transmission and delivery confirmation information showing that the correspondence was successfully sent to, and received by, XXXX XXXX XXXX on the date indicated therein. 

This exhibit is offered for the limited purposes of establishing : 1. Notice That XXXX XXXX XXXX was placed on actual written notice of my dispute position and demand that collection communications cease. 
2. Timing That the notice was transmitted and received prior to subsequent communications giving rise to the claims asserted in this action.

3. Foundation and sequence That later contact occurred after receipt of the notice, providing context for the sequence of events relevant to my claims. 

This exhibit is not offered for the truth of any legal conclusions contained in the correspondence, but solely to establish notice, delivery, and temporal sequence. The exhibit should be considered in conjunction with the Complaint and related filings in this matter. 

Clarification Regarding Notice and Responsibility Sworn Statement I declare under penalty of perjury that the following is true and correct : At all relevant times, Synchrony Bank received my written cease-and-desist and dispute notice. Following receipt of that notice, subsequent debt collection communications were initiated by XXXX XXXX XXXX, acting as counsel or agent in connection with the same alleged debt. 

Based on the sequence of events, one of the following occurred : 1. Failure to communicate notice by the principal Synchrony Bank failed to timely and accurately convey my cease-and-desist instruction to its retained debt collection counsel, XXXX XXXX XXXX, despite having actual notice and a duty to ensure compliance by its agents ; or 2. Failure to adhere by the agent XXXX XXXX XXXX received notice of the cease-and-desist, either directly or through Synchrony Bank, and nevertheless continued collection communications in violation of governing law. 
Under either scenario, the continued contact was unlawful. A principal may not evade statutory obligations by delegating collection activity to a third party, and an agent may not disregard a valid cease-and-desist once notice exists. Liability attaches regardless of whether the failure occurred at the principal or agent level. 

This clarification is offered to remove ambiguity as to responsibility and to establish that the statutory violations described in the Complaint arose from a breakdown in compliance that can not be attributed to consumer error or lack of notice. 

I declare under penalty of perjury that the foregoing is true and correct. 

Executed on XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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