Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am submitting this complaint regarding debt collection and litigation activities conducted by XXXX XXXX XXXX, XXXX. in connection with an alleged Synchrony Bank/PayPal account. On XX/XX/year>, I submitted a written request for validation and supporting documentation regarding the alleged debt. In that correspondence, I requested information necessary to verify the account, determine the basis for the balance being claimed, and understand XXXX XXXX XXXX 's authority to pursue collection activity. Specifically, I requested : Proof that the firm was legally authorized to collect the debt, including any required licensing or registration in South Carolina ; The date of the alleged default and the date of the last payment ; Documentation supporting the charges that make up the balance claimed ; Copies of documents bearing my signature showing that I agreed to assume responsibility for the account ; Documentation establishing the legal right to collect or enforce the account ; If the account had been transferred, assigned, or sold, documentation reflecting the transfer of rights and authority to collect. For clarity, my concern has never been whether my name appears on billing statements. Billing statements alone do not explain how the balance was calculated, establish who has the legal right to enforce the account, or address the specific documentation requested in my dispute. In response to my request, I received limited documentation consisting primarily of billing statements and correspondence prepared by counsel. The materials provided did not fully address the information requested in my XX/XX/year> dispute. I also requested that communications be conducted in writing or by email. Despite those requests, I received telephone calls from the firm on two occasions. Another concern is the timing of the collection activity. While my requests for additional documentation remained unresolved, a process server appeared at my residence on XX/XX/year> to serve court documents. At that point, the only account documentation provided to me consisted of 2 months of billing statements, yet litigation had already progressed to formal service of process. Representatives of the firm have indicated that XXXX XXXX XXXX is not acting as a debt collection agency but is representing Synchrony Bank directly. If that is the case, it seems reasonable that more complete account records should be available than billing statements alone. Records such as payment history, account notes, records of any payment arrangements, account opening documentation, and other account-level records would provide a clearer basis for evaluating the claim and verifying the debt. My concern is that litigation proceeded before the information requested in my XX/XX/XXXX dispute was fully addressed. I have been forced to defend myself in court and potentially face a judgment while still lacking documentation necessary to verify the debt, understand the basis of the balance claimed, and evaluate the authority being asserted to collect it. I am requesting that XXXX XXXX XXXX : Provide a complete response to the documentation requests made in my XX/XX/year> dispute ; Explain why litigation proceeded while those requests remained unresolved ; Honor my request for written communications ; Review whether sufficient information was provided before collection efforts and litigation continued. I am seeking a fair review of this matter and a response addressing the outstanding issues raised in my dispute. I'm, including my XX/XX/year> validation request, correspondence received, and court filings. In XX/XX/year>, XXXX XXXX XXXX has sent me 2 years worth of billing statement only that I can provide, I can also provide the email I sent on XX/XX/year> and a photo of the phone call/voicemail from the same day.

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