Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have been receiving 3 to 6 robocalls each day (including weekends and holidays) to my cell phone from Synchrony Bank (XXXX, XXXX) in an attempt to collect a debt. The calls began in XX/XX/2019 when my accounts were not more than 45 days delinquent and at times start prior to XXXX, the earliest call being XXXX. I have been working with a debt settlement program since XX/XX/2019 which has been in contact with Synchrony Bank and is in the negotiation process on all  accounts yet I still receive these calls. I ended up blocking the numbers and sending all calls directly to voicemail. My voicemail specifically states that I do not accept calls from unidentified numbers, robocalls calls, or automated messages and to leave a live voicemail and I will return the call. The XXXX number is the only number to leave a voicemail and only on 3 occasions. The voicemails were automated voicemails and did not identify the caller but requested me to contact the phone number and also provided an address. Looking up the address on the internet helped my identify the caller as Synchrony Bank. I finally called the number back yesterday after being extremely frustrated with the notifications going off on my phone for the blocked calls and no messages being left. I have also begun to receive calls from pinger numbers within 2 minutes of receiving a call from Synchrony. This is absolute harrassment. They cannot robocall my cell phone in an attempt to collect a debt, cannot call prior to XXXX, and they cannot call my phone that many times a day and not identify themselves. If they are using the pinger numbers that increases the level of harassment. XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, 1XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX   XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX XX/XX/2019: XXXX, XXXX   XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX  XX/XX/2019 (XXXX-XXXX-XXXX): XXXX   XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX  XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX  XX/XX/2019 (XXXX-XXXX-XXXX): XXXXXX/XX/2019(XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX   XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX   XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019: XX/XX/2019: XX/XX/2019 (XXXX-XXXX-XXXX): XXXX   XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX  XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX,XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX,XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX  XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): 1XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX   XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XXXX XXXX XXXX  XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX  XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/2019: XX/XX/2019: XX/XX/2019 (XXXX-XXXX-XXXX):XXXX XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX   XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX   XXXX, XXXX, XXXX  XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX  XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX  XX/XX/2019 (XXXX-XXXX-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