Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding the debt collection practices of XXXX XXXX, a debt collection agency. Over the past several days, I have been contacted by this agency via text message about an alleged debt. These communications did not provide proper validation of the debt and contained threatening language, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : Lack of Written Validation and Notice : On XX/XX/year>XXXX XXXX XXXX XXXX I received a text message from XXXX XXXX. A second text message was sent on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Both messages contained threats that the matter would be referred to a law firm in my state to initiate a lawsuit against me. However, at no point have I received any formal written communication or validation of the debt. According to the FDCPA, the collector is required to provide written validation of the debt within five days of initial contact. Neither of these text messages included the necessary details, such as the amount owed, the name of the creditor, or my rights to dispute the debt. 

Threatening Legal Action Without Proper Documentation : The text messages contained threatening language about the possibility of legal action, specifically mentioning that the matter would be referred to a law firm for potential legal action. This has caused me significant stress, as the debt has not been properly verified, and I am unsure whether this debt is valid. The threats were made without any documentation or explanation of the debt, which is both misleading and a violation of the FDCPA. 

Emotional Stress and Harm : The constant threats of legal action and the failure to provide any written verification of the debt have caused significant emotional distress. As a result, I have experienced considerable anxiety, sleepless nights, and a sense of being harassed. The stress from these unverified threats has negatively impacted my mental health and overall well-being. 

Potential Financial Harm : Beyond the emotional toll, I am concerned about the financial harm caused by these threats. If XXXX XXXX actions result in a lawsuit or legal fees for a debt that may not even be legitimate, I would face unnecessary financial strain. Furthermore, I fear that these actions could impact my credit, causing long-term damage to my financial standing. 

Given the clear violations of the FDCPA, including the failure to provide a written validation notice and the unlawful threats of legal action without proper documentation, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against XXXX XXXX. I also request that any associated fees, damages, or harm caused by their actions be addressed. 

Thank you for your attention to this matter. If you require any additional information or documentation, please feel free to contact me at

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