Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I am submitting this complaint against Synchrony Bank for failure to comply with 15 U.S.C. 1641 ( f ) ( 2 ) of the Truth in Lending Act ( TILA ), which requires a servicer of a consumer credit obligation to provide the name, address, and telephone number of the owner of the obligation upon written request. ACCOUNT : Synchrony Bank account ending in XXXX. FACTS : 1. On XX/XX/year>, I submitted a formal written request to Synchrony Bank under 15 U.S.C. 1641 ( f ) ( 2 ), requesting the name, address, and telephone number of the current owner of this credit obligation. The request was sent via USPS Certified Mail ( Tracking No. XXXX ) to Synchrony Bank 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with copies to two additional Synchrony addresses. The request clearly identified my account, cited the controlling statute, and specified the information required by law. 2. Synchrony Bank did not provide any substantive response to this request. The only communications I received were regular monthly account statements, which do not satisfy the statutory obligation under 1641 ( f ) ( 2 ). 3. On XX/XX/year>, I sent a second and final written request to the same addresses, again citing 1641 ( f ) ( 2 ), providing a response deadline of XX/XX/year>, and expressly notifying Synchrony that continued non-compliance may constitute a violation of federal consumer protection law and could result in pursuit of statutory damages, costs, and attorney 's fees under 15 U.S.C. 1640. 4. As of the date of this complaint, Synchrony Bank has provided no response identifying the owner of the obligation, confirming that Synchrony itself is the owner, or identifying a master servicer as required by statute. VIOLATION : Synchrony Bank has twice failed to comply with its mandatory statutory duty under 15 U.S.C. 1641 ( f ) ( 2 ). This is not a discretionary obligation the statute expressly requires the servicer to provide this information upon written request. Failure to respond to two separate written requests, sent via certified mail with delivery confirmation to executive-level addresses, constitutes a clear pattern of non-compliance. REQUESTED RELIEF : 1. That the CFPB investigate Synchrony Bank 's failure to respond to TILA 1641 ( f ) ( 2 ) ownership requests, including whether this reflects a systemic practice of non-compliance. 2. That Synchrony Bank be required to provide the ownership information as required by 15 U.S.C. 1641 ( f ) ( 2 ). 3. That appropriate supervisory or enforcement action be taken consistent with the CFPB 's authority under the Consumer Financial Protection Act. I have retained copies of both written requests, the certified mail tracking confirmation, and all communications received from Synchrony Bank. These documents are available upon request.

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