Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( cfpb ) XXXX, Arkansas XXXX XXXX XXXX XX/XX/XXXX Re : DEMAND FOR DEBT VALIDATION Pursuant to FDCPA & Regulation F To Whom It May Concern : This letter is a formal demand for immediate validation of the alleged debt your company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and Regulation F ( 12 CFR Part 1006 ) as issued by the Consumer Financial Protection Bureau ( CFPB ). You are now officially on notice.

YOU ARE REQUIRED TO PROVIDE THE FOLLOWING : The name and address of the original creditor A full and itemized breakdown of the alleged debt amount A copy of the original signed contract or agreement bearing my signature Proof that you are currently licensed and legally authorized to collect debt in the state of Arkansas Full disclosure of how you obtained this alleged debt from the original creditor, including the chain of assignment or purchase agreement A statement that the Statute of Limitations on this alleged debt has not expired Verification that all amounts, fees, and interest are lawful and accurate In addition, per Regulation F, 12 CFR 1006.34, you must provide : A detailed validation notice including the name of the creditor, amount owed, and itemization date A disclosure of consumer rights, including how to dispute the debt A tear-off dispute form or equivalent Confirmation that no collection activities will proceed until this debt is fully validated IF YOU CAN NOT FULLY VALIDATE : You are required to : Immediately cease all collection efforts Delete this debt from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) Stop all communication regarding this account BE ADVISED : Continuing to pursue this debt without proper and complete validation violates : 15 U.S.C. 1692g Validation of debts 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692c Improper communication practices 12 CFR 1006 Regulation F : Debt Collection Rule Relevant Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court reaffirmed that debt collectors must provide full and accurate debt validation and comply strictly with the FDCPA and Regulation F requirements. Failure to do so constitutes a violation of federal law and supports the debtors right to dispute collection efforts and report unlawful conduct.

Violations are subject to statutory damages of up to {$1000.00} per violation, plus attorney fees and additional damages. I have legal counsel on retainer, and they are prepared to initiate legal proceedings without delay.

Additionally, if you fail to comply with this request, I will file formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX  Arkansas Attorney Generals Office You have seven ( 7 ) days from the receipt of this letter to fully respond with all documentation and disclosures listed above. If you fail to do so, I will consider your claim invalid and report your continued efforts as willful violations of federal law. 

All future communication must be in writing only. Do not attempt to contact me by phone or any other means. 

Sincerely, XXXX XXXX

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