Consumer complaint received 2015-10-23
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed a request for validation to XXXX XXXX XXXX XXXX on XXXX/XXXX/15. The return receipt card indicates that this request letter was received by XXXX on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically asked that XXXX provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. XXXX 's response letter was sent just one day after after receiving my letter and is dated XXXX/XXXX/15 ; in this letter they identify the original creditor as GEMB/Care Credit. This company provides healthcare financing and this alleged debt is not identified in my credit reports as medical debt. Not only has XXXX failed to provide the requested information, but they ask that I provide them with a copy of the contract and a copy of the bills or statements that show the amount owed or rates. If I am asked to provide them with this information then I can only presume that they do not have this information in their possession. My second request for validation was mailed to XXXX on XX/XX/XXXX15and the return receipt card indicates that this request letter was received by XXXX on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically ask for proof that this alleged debt was assigned to XXXX. XXXX has not responded to my second request and has not properly validated this alleged debt. XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX 's main revenue generating subsidiary XXXX. By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. XXXX, In the matter of XXXX XXXX XXXX XXXX XXXX, et al dated XXXX/XXXX/15, XXXX was identified as having violated Sections XXXX XXXX a ) and XXXX ( a ) ( XXXX ) of the Consumer Financial Protection Act of 2010 XXXX " XXXX '' XXXX, XXXX U.S.C. XXXX XXXX a ) and XXXX ( a ) ( XXXX ) ; Sections XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) of the Fair DebtCollection Practices Act ( " FDCPA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) ; Sections XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ). Under sections XXXX and XXXX of the XXXX, XXXX U.S.C. XXXX, XXXX. In this matter, it was found that XXXX had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. XXXX has not provided me with any of the requested validation information or their method of calculating that I allegedy owe {$19000.00}, which is {$8100.00} in excess of the alleged {$11000.00} XXXX approximate ) original balance. I believe that XXXX has demonstrated many of the behaviors towards me that are outlined in the Consent Order and that they can not substantiate their representations. This alleged debt is time-barred and XXXX has not conducted a reasonable investigation of my dispute, despite multiple requests.

Company response to consumer: Closed with explanation