Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Complaint Summary : This is a formal complaint against Synchrony Bank for continued contact in direct violation of federal consumer protection laws following a documented cease-and-desist directive sent via fax on XX/XX/year>. 

Summary of Events : I submitted a cease-and-desist notice and declaration of damages to Synchrony Bank via fax XXXX XXXXXXXX XXXX XXXXXXXX ), subject : Cease and Desist + Damages Notification under FDCPA / State Law. 
The notice was confirmed delivered successfully on XX/XX/year> at XXXX XXXX PDT. I also mailed and electronically archived this document. 
The notice outlined : Dispute of the alleged debts validity Request for full documentation under 15 U.S. Code 1692g ( a ) Declaration of damages totaling {$2400.00}, subject to increase upon future violations Explicit revocation of any consent to contact by phone, citing 15 U.S. Code 1692c ( c ) Since that time, Synchrony Bank has contacted me a total of four timesall after the cease-and-desist notice was issued. 
The most recent written communication was received XX/XX/year> ( see attached ). 
This response explicitly acknowledged my request, but stated that monthly billing statements and other written communications would continuecompletely ignoring the legally binding nature of my directive.

Legal Grounds : FDCPA Violations : Continued contact after written revocation of consent ( 15 U.S.C. 1692c ( c ) ) Failure to validate debt ( 15 U.S.C. 1692g ) FCRA Violations : No validation provided before or after furnis
hing tradeline ( s ) to credit bureaus State Law Violations : Emotional distress, administrative cost, and coercion as outlin
ed under Minn. Stat. 8.31, Subd. 3a Damages now total over {$4000.00}, including : Emotional distress Time and productivity loss Administrative costs Reputational damage due to adverse credit reporting What I Am Requesting : 1. Immediate c
essation of all communication from Synchrony Bank regarding this account 2. Complete deletion of the tradeline from all credit bureaus 3. Full debt validation documentation ( if Synchrony believes the debt is valid ) 4. Refund of all payments made in relation to this account, which I dispute 5. A formal acknowledgment of legal error and apology 6. Financial compensation for damages as part of a settlement or legal proceeding Attachments : Cease and Desist Letter + Declaration of Damages ( XX/XX/year> ) Synchrony Bank Response Letter ( XX/XX/year> ) Fax confirmation of delivery Screenshots of prior communications and account info Final Statement : Synchrony Bank has displayed reckless disregard for federal and state law, opting to maintain coercive contact after formal notice. If they do not immediately resolve this issue and compensate for the violations, I will escalate to state attorneys, file a lawsuit in XXXX XXXX, and seek statutory and punitive relief.

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