Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Account Number Ending in XXXX ; Reference Number : XXXX ; Alleged Debt to Synchrony Bank in the Amount of {$4400.00} Dear XXXX XXXX XXXX : I am writing in response to your letter dated XXXX XXXX XXXX regarding an alleged debt you claim I owe to Synchrony Bank XXXX This is a formal demand for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I invoke all my rights under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state laws. I dispute the validity of this alleged debt in its entirety and demand that you immediately cease all collection activities, including but not limited to compulsive phone calls, emails, letters, or any other form of communication, until you provide full and complete validation as detailed below. Failure to comply will result in my reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state authorities, and I will pursue all legal remedies available, including suing for statutory damages up to {$1000.00} per violation under the FDCPA. 
You must provide, without delay, EVERY SINGLE PIECE of the following information and documentation to validate this alleged debt. Do not withhold any details or provide partial responsesanything less than absolute compliance will be considered a refusal to validate and a violation of federal law : The full name, physical address, phone number, and any alternative names or DBAs of the current creditor to whom the debt is allegedly owed, along with the account number they use and the exact current amount owed, broken down by principal, interest, fees, and any other charges. 
If this debt originated with a different creditor, provide the full name, physical address, phone number, and any alternative names or DBAs of the original creditor, the original account number, the exact amount owed at the time of transfer, the date of transfer, and proof of how and when the current creditor acquired the debt, including the full chain of title with dates, amounts, and parties involved in every assignment or sale. 
A complete, unredacted copy of the original written agreement or contract that allegedly created my obligation to pay, signed by me, including all terms, conditions, interest rates, and any amendments. If no such agreement exists, explain in detail why and provide alternative proof of the debt 's origin. 
If this debt is based on someone else 's obligation ( e.g., co-signer, identity theft, or error ), identify that person fully ( name, address, relationship to me ) and provide documentation proving why I am legally responsible. 
A detailed breakdown of the amount and age of the debt, including : A copy of the last billing statement from the original creditor. 
The exact amount of the debt when you acquired it, the date of acquisition, and a full itemized history of all charges, payments, credits, interest accruals, and fees from the debt 's inception to the present, with dates and explanations for each entry. 
The date of the alleged default and the statute of limitations for collection in my state ( Florida ), with proof that this debt is not time-barred. 

Verification and documentation proving a valid legal basis for claiming I owe this to the current creditor, including but not limited to : Proof of your legal authority to collect this debt in Florida, including your license or registration number if required. 
All correspondence, notices, or communications related to this debt from the original creditor to me. 
Any judgments, court orders, or legal filings related to this debt. 
Proof that this debt has not been discharged in bankruptcy, settled, or otherwise resolved. 

A sworn affidavit from a person with personal knowledge attesting to the accuracy of all provided information and documentation, including their name, title, and contact information. 
Any and all other records, logs, notes, recordings, or data related to this account, including call logs, payment histories, and internal memos. 

Until you provide EVERY item listed above in full, without exception, you are prohibited from contacting me in any way, shape, or form. This includes no phone calls ( compulsive or otherwise ), no letters, no emails, no texts, and no reports to credit bureaus. Any contact before full validation will be treated as harassment under the FDCPA and will trigger immediate legal action. Send all validation materials to the address above via certified mail with return receipt requested. 
I expect your full compliance within 30 days. Failure to validate will result in my demanding deletion of this item from my credit reports under the FCRA and pursuing damages. 
Sincerely, 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