Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This is another, official, now 7th complaint against Synchrony bank for which they continue to abuse, neglect, harass, intimidate and violate the rules of law, via the Federal Fair Debt Collection Practices act with several complaints to such, expanding almost a year now. This new incident, as other complaints is a separate, new incident of Synchrony bank Again and Again for refusing to # 1 ignoring an active court order, filed and faxed directly to Synchrony bank and its representatives, XXXX XXXX XXXX. This notification of representation by council, attorney and of an Automatic Stay to cease and desist all communication with me and any attempts of collection activity immediately. This notification was see my, direct fax on XX/XX/XXXX by my attorney as well as by the court clerk. This alleged debt, thats had several complaints filed against them from multiple CFPB complaints, XXXX NJ Attorney Generals office as well as the office of the controllers office had been filed against Synchrony bank. In XXXX XX/XX/XXXX I received collection letters from XXXX XXXX XXXX XXXX on their behalf. After filing two CFPB complaints against XXXX XXXX XXXX, they filed an unethical civil complaint against me on XX/XX/XXXX. I immediately filed an answer, with multiple documents and evidence to contradict this frivolous civil action on XX/XX/XXXX. Upon receiving my response, XXXX XXXX XXXX, dismissed this civil complaint on behalf of their client, Synchrony bank on XX/XX/XXXX ( see attached documentation as to such ). Since then, on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX responded to a complaint I filed as to not receiving this dismissal as stated they have not represented Synchrony bank since XX/XX/XXXX after filing the dismissal of the civil complaint and have not represented Synchrony bank since this time, XX/XX/XXXX. After this notice from XXXX XXXX XXXX on XX/XX/XXXX I began again receiving collection letters now directly from Synchrony bank. ( See attached now ( 4 ) four letters ). I had my attorney send direct email notifications of violation of the automatic stay Synchrony bank is in contempt of court on and of legal representation. This email also demanded Synchrony bank adhere to the court order of the automatic stay and cease and desist any further communication with me. All questions or concerns are to be directed to my attorneys office. Now today, I received Another letter from Synchrony bank, dated XX/XX/XXXX. Although being officially notified of a court order of automatic stay in place as of XX/XX/XXXX, direct faxes to Synchrony bank and its last representatives, XXXX XXXX XXXX on XX/XX/XXXX. still concerned to send me letters, see attached. Then after notifying my attorney of this violation, my attorney sent an email to corporate officials of Synchrony bank, warning them of violation of the automatic stay and any further violation will result in contempt of court proceedings and attorney fees and fines. Synchrony bank, acknowledging this in a response back via email to my attorney, now has sent two additional letters since that response to Synchrony bank. This letter today I received is in direct violation of my consumer protection rights, is in direct contempt of court proceedings after being warned on at least two other occasions. This blatant, disregard of the rule of law, direct violation of a court order automatic stay they have been aware of but continues to harass, intimidate and cause duress and anxiety to me any my family for such unethical business practices but also for defying the laws of the court and state. Im now DEMANDING the CFPB take immediate action against Synchrony bank for this latest violation of not only my Federal Fair Debt Collection Practices act as a consumer by deliberately defying an automatic stay order in place by the Superior court of XXXX XXXX I will be filing a separate civil action against Synchrony bank for such consumer protection violations as per Federal law.

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