Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On Tuesday, XX/XX/XXXX, XXXX XXXX XXXX called and left a voicemail with a relative of mine. That relative forwarded me the message and I called the number they left. The person that answered told me I owed {$1200.00}. This account had a XXXX of {$300.00}, and the collection amount was {$200.00}. This account was opened and closed in XXXX. Since it went to collections, I have had numerous collection companies call and try to get money from me. I paid two different companies, the first one turned out to be fraudulent. The second one, I called synchrony bank and asked who the collection agency was and they told me, I reached out directly to them and paid it off in full. It was marked paid on my credit report, everything should have been done. But since then, I have received calls every week stating I still owe the money. The are different collection agencies every couple of months. The call all of my relatives, and yet I have never received anything in the mail that states I owe any debt. 
The person I spoke to at XXXX  on XX/XX/XXXX told me that I owed that amount. I told her I didnt owe it, it had been paid twice, and to stop calling my relatives. She said she could only remove numbers I give her, but not provide me with the numbers they have on my account. I also asked for the address they have on file for me, as she stated they had sent several notices, she said she could not give that out. I asked to receive a notice from them, and she said that it was beyond that point and that she was only able to assist me in settling the account. I told her I wasnt interested, she said that I would be hearing from someone to set up a time to come to my residence and serve me. She hung up. 
I got several calls and voicemails over the past week, and today, XX/XX/XXXX, someone called and said they would be serving me on Wednesday the XXXX and if Im not home to sign, they would come to my place of employment, and if Im not there, they would consider me noncompliant and move on with the lawsuit without me. I called the number they provided, and it sent me to the same person I spoke with at XXXX on XX/XX/XXXX. I asked her what address they would be serving me at, she said she could not help me with that information as they have nothing to do with the serving and that she could only assist me in settling. I told her that I dont owe the debt so therefore Im not interested in paying for anything and she hung up. I then called the number that the serving person had called from ( which claimed to be a separate, contracted company-not the collection company ) and yet the same person from XXXX picked up. I told her that these were the only numbers I had and that if I had not received any notices from them, how could they have my correct address to serve me, she said that if I wasnt going to pay her she did not have time for me and hung up. 
They have my maiden name, 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