Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This new complaint is an expansion of ongoing, continuous harassing and intimidation tactics used by Synchrony bank that goes back almost a yrs. Original letters of demanded debt verification and cease and desist letters were sent to Synchrony bank several months ago. This cease and desist letter, in its content, extends to agents on behalf of Synchrony bank with additional information of failure to honor this request could subject your company to liability under federal law. Such law refers to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ). Synchrony bank has violated this demand, cease and desist on several occasions until XXXX XXXX At this time, Synchrony bank hired, as they mentioned in several responses from the multiple CFPB complaints made against them, mentions they have been notified of the cease and desist demands from me but further go on to inform me that now a new company, XXXX XXXX XXXX XXXX is now responsible for this alleged debt and they, Synchrony bank, no longer the mywalgreens account. Synchrony bank further goes on to instruct any further correspondence regarding this alleged debt, account should be directed to this company, XXXX XXXX XXXX should I require any further assistance. On XX/XX/XXXX after just XXXX complaints to the CFPB against XXXX XXXX XXXX with XXXX to Synchrony bank, XXXX XXXX XXXX filed an unethical civil complaint against me on behalf of Synchrony bank and this alleged debt. On XX/XX/XXXX I immediately responded with an answer to the court to this frivolous civil action which seems just another harassment tactic by Synchrony bank and now their agents, XXXX XXXX XXXX to attempt to retrieve a judgement against me but, with my very articulate and well documented evidence of discovery of Synchrony bank violations of my consumer protection rights being violated and evidence to this alleged debt is not owed, on XX/XX/XXXX their agent, attorneys, XXXX XXXX XXXX filed a Notice of Dismissal of this fraudulent civil case to the court. On XX/XX/XXXX a faxed, confirmed letter of representation from my attorney was sent to XXXX XXXX XXXX on behalf of Synchrony bank. This notification was not only sent direct fax, but also regular mail. This legal notification includes a cease and desist notice as well as any violation of such would be a violation of the automatic stay as pursuant to 11 U.S.C. ; 362 as ordered by the XXXX court of XXXX XXXX. Any violation of this notice would result in sanctions, including damages, attorney fees, and contempt of proceedings. XXXX XXXX XXXX responded to a complaint filed against them by the CFPB on XX/XX/XXXX. Such letter stated they have not represented Synchrony bank since XX/XX/XXXX after dismissal of their civil case on behalf of Synchrony bank. They go on to state they have not received any notification of representation by my attorney but that statement was false, misleading and untrue as proof of such was provided they did in fact receive notice on XX/XX/XXXX. This unethical behavior, practices by this company, XXXX XXXX XXXX as well as Synchrony bank is just a ongoing, false allegation, statement and claims that have been ongoing for almost a year with Synchrony bank. On XX/XX/XXXXXXXX  a formal complaint through the CFPB AGAIN against Synchrony bank after sending me emails on XX/XX/XXXX and letters via XXXX mail dated XX/XX/XXXX as to ongoing collection attempts but now including such language as to looking into thank you for notifying us regarding the unauthorized opening of an account mentioned above. This now another attempt to continue illegal attempts of collection of an alleged debt, that has been disputed several times with MULTIPLE complaints against Synchrony bank in the past to the CFPB, which includes complaints to the Federal Trade Commission, XXXX XXXX XXXX XXXX XXXX XXXX  that have not stopped Synchrony bank from continually violating my consumer protection rights over and over without remedy. This recent complaint filed against Synchrony bank only, since their representatives, XXXX XXXX XXXX dismissed any civil collection complaints on behalf of Synchrony bank but have stated in there XX/XX/XXXX letter, has not represented Synchrony bank since XX/XX/XXXX. This recent complaint filed on XX/XX/XXXXXXXX XXXX XXXX XXXX against Synchrony bank, thats still pending an answer but their are XXXX older complaints filed against Synchrony bank that they have not responded to the CFPB to date. This is topical of none response of unethical and abuse of consumer rights that are filed against Synchrony bank who continue to operate in this manner without being penalized or held accountable by the Federal Governments consumer protection laws and no action by the CFPB to date. This complaint XXXX XXXX directly informed Synchrony bank of their illegal and ongoing business practices but also to advise them of the automatic stay and notice of representation of counsel by me. In the section what Im requesting I specifically stated Do NOT CONTACT ME I am represented by legal counsel and all communications are to be forwarded to legal counsel. Today, XXXX  I received ANOTHER letter via XXXX mail from Synchrony bank directly related to this same alleged debt that XXXX XXXX They have and acknowledged receiving such cease and desist letter in there on response letters attached, # have indicated they no longer service this account in question and # XXXX are in contempt of court for being in violation of the automatic stay as stated in my attorneys letter of notification of such on XX/XX/XXXX. Synchrony bank is not only in violation of Federal Court law of contempt of court proceedings but have violated my consumer protection rights for the XXXX time. Again, I ask the that the CFPB hold Synchrony bank accountable by any federal, state laws and forward this illegal activity to the appropriate federal government agencies that can take further investigation of this illegal activities by Synchrony bank. I will inform my attorney as well and will inform the court of this abuse, intimidation and harassment activity by Synchrony bank.

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