Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am writing to formally dispute the alleged Synchrony XXXX Credit Card account ending in XXXX and the balance of {$1400.00} that you are attempting to collect. I deny that I knowingly, willingly, or lawfully entered into a binding credit agreement with Synchrony Bank for this account. I further deny authorizing Synchrony Bank to collect, access, use, or furnish my personal information for the purpose of opening or servicing this alleged credit account. Your correspondence indicates that the dispute was resolved in favor of XXXX XXXX XXXX XXXX and that signed documents were provided. However, XXXX XXXX XXXX did not provide complete and accurate information regarding my full feedback and complaints about the merchandise. They failed to fully disclose to Synchrony Bank that they did not follow through in fulfilling their promise to properly repair or correct the defective product to meet the binding sales expectations tied to this alleged credit account. Additionally : I did not agree to any clear, written, or disclosed terms and conditions of credit at the store. The alleged credit agreement terms were presented verbally only. No written return policy, financing protection disclosure, or binding credit contract was clearly provided to me at the time of sale. The signature presented on documents appears to have been furnished solely for transactional acknowledgment and does not constitute informed consent to a separate financing contract unless proven otherwise. If Synchrony Bank contends that I entered into a lawful credit agreement, I demand strict proof. Pursuant to federal law, I assert my rights under : 1. Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666This constitutes a formal notice of billing error and dispute of an unauthorized or improperly processed charge. You are required to conduct a reasonable investigation and provide documentary evidence. XXXX. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.Provide full disclosure of the original signed credit agreement, APR disclosures, itemization of amount financed, finance charge calculations, and evidence that I knowingly entered into this agreement. XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681s-2Provide : Proof of permissible purpose for obtaining my credit information ; A copy of the original signed application bearing my wet or legally compliant electronic signature ; Proof that I authorized Synchrony Bank to furnish this account to any consumer reporting agency ; Documentation showing compliance with identity verification procedures. XXXX. Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), 15 U.S.C. 7001If you claim electronic consent, provide evidence that I was given clear and conspicuous disclosures and affirmatively consented to conduct business electronically. 5. Identity Theft and Fraud Protections 15 U.S.C. 1681c-2If the account was opened or processed without proper authorization or lawful consent, I demand immediate blocking of any reporting pending full verification. Furthermore, if this alleged debt is being collected or enforced through any third-party mechanism, I invoke validation rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I specifically demand : A complete copy of the original credit application. Proof of my wet signature or legally valid electronic authorization. Full account opening documentation. A complete payment and transaction history. Proof that the transaction was not rejected, voided, or improperly processed. Documentation proving that the merchant fulfilled its contractual obligations related to the financed merchandise. Written evidence that I agreed to nonrefundable policies tied to financing terms. Until such documentation is produced, I do not acknowledge any legal obligation to pay the alleged balance. Failure to provide competent documentary evidence may constitute violations of federal consumer protection laws. Continued collection or credit reporting without proper validation may subject your institution to liability. This letter serves as formal notice that I am asserting my federal consumer rights as protected under consumer finance regulations published by the Consumer Financial Protection Bureau. I request a complete written response within 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