Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Timeline of Violations by XXXX XXXX XXXX - Repeat CFPB Offender BACKGROUND : In XX/XX/XXXX, the CFPB ordered XXXX XXXX XXXX to pay over {$24.00} XXXX for identical violations to those documented in my case. Despite this enforcement action, XXXX continues the same illegal practices. 

XX/XX/XXXX - CEASE AND DESIST VIOLATIONS : XX/XX/XXXX : Sent first cease and desist letter via certified mail demanding all communication stop XX/XX/XXXX : XXXX received letter ( USPS confirmation ) XX/XX/XXXX : VIOLATION # XXXX - XXXX sent settlement offer after receiving cease and desist XX/XX/XXXX : VIOLATION # XXXX - XXXX sent account statement XX/XX/XXXX : VIOLATION # XXXX - XXXX sent another statement XX/XX/XXXX : Sent second cease and desist letter XX/XX/XXXX : XXXX received second letter XX/XX/XXXX : VIOLATION # XXXX - XXXX sent statement after second cease and desist XXXX documented violations of 15 U.S.C. 1692c ( c ) = {$4000.00} minimum statutory damages XX/XX/XXXX - INADEQUATE DEBT VALIDATION : XX/XX/XXXX : Sent comprehensive validation demands requiring : signed contracts, complete assignment chain, forward flow agreements ( referenced in XXXX XXXX bill of sale ), signatory authority documentation, proof of legal standing XX/XX/XXXX : XXXX received demands XX/XX/XXXX : XXXX provided only credit card statements- INADEQUATE VALIDATION XX/XX/XXXX - DEAD ON ASSIGNMENT DEFECTS : XX/XX/XXXX : Sent inadequate validation notice documenting XXXX 's fundamental standing defects : Missing forward flow agreements referenced in their own bill of sale Unestablished signatory authority on electronic assignments Entity confusion between XXXX XXXX XXXX entities Can not establish legal ownership or collection rights IDENTICAL VIOLATIONS TO XXXX CFPB ENFORCEMENT : Your XX/XX/XXXX order found XXXX guilty of " collecting debts without a reasonable basis '' and " making representations about unsubstantiated debts. '' My case documents identical violations- XXXX can not substantiate ownership despite comprehensive validation demands. XXXXCALIFORNIA LAW VIOLATIONS : Under Young v. Midland Funding LLC ( Cal. Ct. App. ), California courts recognize Fair Debt Collection Practices Act violations. XXXX 's actions violate : XXXX Fair Debt Collection Practices Act ( additional $ XXXX damages ) California Unfair Competition Law ( injunctive relief ) TOTAL DOCUMENTED VIOLATIONS : XXXX cease and desist violations = {$4000.00} Inadequate validation = {$2000.00} False ownership representation = {$2000.00} Continued collection without validation = {$2000.00} MINIMUM STATUTORY DAMAGES : {$10000.00} ONGOING HARM : XXXX continues credit reporting without legal standing, causing ongoing credit damage. Their " Dead on Assignment '' status makes any collection legally impossible, yet they persist with identical violations that cost them {$24.00} XXXX in XXXX. 

REQUEST : Investigate XXXX 's continued pattern of violations despite CFPB oversight. Their repeat offender status and identical violations demonstrate willful non-compliance with federal law and your enforcement order.

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