Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This is a new complaint, in a recent opened and closed complaint that ended a negative response. That response is the direct reasoning for this new complaint against Synchrony Bank and its agent, acting on its behalf to now service collections services. I recently filed a complaint # XXXX against Synchrony bank as to an alleged debt that was part of a customer assistance program, paying a certain amount of the debt back then Synchrony bank forgiven the balance in the issue of a 1099c form. This account was XXXX  of XXXX  that were in such a customer assistance program. The other Synchrony account, XXXX XXXX was completed and a 1099c form was issued in XX/XX/XXXX for tax reporting purposes. Now Synchrony bank is having agents such as XXXX XXXX  XXXX XXXX send me a collection letter on XX/XX/XXXX which read I owe Synchrony bank money and they are representing them in this matter. I filed a CFPB complaint against both Synchrony bank and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I also sent cease and desist letters to both along with additional documents on XX/XX/XXXX by certified mail, delivery confirmation, signature required. Included in my cease and desist letter with additional documents was notification of no further communication also is extended to agents of there company as well as that my income is Federally protected, XXXX XXXX XXXX and XXXX XXXX XXXX. On XX/XX/XXXX I received a response back from XXXX XXXX XXXX XXXX via the CFPB portal. The letter received from XXXX XXXX XXXX XXXX explained there position to this alleged debt but included language in the second paragraph of there letter that reads Because you failed to pay as agreed, was the reasoning Synchrony bank retained XXXX XXXX  XXXX XXXX to represent collection of this alleged debt... This further reads that this alleged debt is not accruing interest but if they decide to seek court intervention to recover the balance ( alleged and disputed ) IF the court awards judgment in Synchronys favor, this amount would increase. This response is threatening language and intentionally intimidating tactics to me, the consumer whos disputing this alleged debt. This response, while appearing to be informative is not the intended result but more of intimidation to resolve an issue quickly and an attempt to bully the consumer to just settle an alleged debt or face harsher penalties. This response is being seriously taken as harassment and intimidation by a XXXX or officers of the court. The XXXX  XXXX XXXX XXXX XXXX takes complaints seriously. Ive downloaded a complaint form and will discuss filing such complaints against XXXX XXXX XXXX XXXX for this response with my own attorney, how Ive been receiving legal advice from and if necessary, has indicated any legal action would first, be an immediate request for arbitration hearing prior to a court appearance. This company, XXXX XXXX XXXX XXXX has numerous complaints of Misrepresentation as Lawyers, excessive Penalties and fees, Aggressive collection tactics, illegally garnishing and frozen bank accounts, lack of due process, complaints of professional misconduct. This company has been notified of a cease and desist letter, sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX. As a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my only income is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both are Federally protected from such illegal acts as to court action, after being notified officially in a cease and desist letter but responding in the manner so stated above, is threatening, harassing and intimidating practices by this company, XXXX XXXX XXXX XXXX. If this company continues to go forward in sending me or correspondence or attempts to contact me as to this alleged debt, I will file a complaint in XXXX XXXX  XXXX XXXX, small claims division, requesting a summary judgment for harassment, retaliation and intimidation of my consumer rights under the Federal Fair Debt Collection practices act and XXXX  consumer rights laws. Being in law enforcement for many years, I have an abundance of support and many associates in practicing law. Ive had several personal attorneys call me and are giving me legal advice but are more then happy to assist me. To XXXX XXXX XXXX XXXX I respectfully ask you cease and desist any further communication or contact with me to this alleged account. This complaint is being filed directly to your response letter which Ive taken as a threat of further illegal and harassing behavior, all in direct violation of my consumer protection rights as stated

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