Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL ()

Synchrony Bank : TO : Synchrony Bank @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Collection Accounts ending in ( last four digits ) Date : XXXX Accounts ending in the last XXXX digits : XXXX : {$1500.00} No number {$1200.00} XXXX : {$1100.00} XXXX : {$890.00} XXXX : {$1600.00} XXXX : {$6500.00} We are responding to your contact about debts you are trying to collect. 

Please supply the information below so that we can be fully informed : XXXX. Are you a licensed debt collector? 

XXXX Please indicate your licensure. 

XXXX. Why do you think we owe you these debts? 

XXXX. In each response tell us how old they are. 

XXXX. Provide every and all details can you provide about your authority to collect this money XXXX. What is the statute of limitations relevant to collecting these debts? Why you think we owe the debt and to whom we owe it, including : XXXXThe name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

XXXX If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

XXXXProvide verification and documentation that there is a valid basis for claiming that we are required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

XXXX. If you are asking that we pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that we are required to pay. 

XXXXThe amount and age of the debt, including : XXXX. A copy of the last billing statement sent to us by the original creditor. 

XXXX. State the amount of the debt when you obtained it, and when that was. 

XXXX. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

XXXX. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

XXXX. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

XXXX. Tell us when the creditor claims this debt became due and when it became delinquent. 

XXXX. Identify the date of the last payment made on this account. 

XXXX. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

XXXX. Details about your authority to collect this debt. 
XXXX. We would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

XXXX. If you are contacting us from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

XXXX. We have asked for this information because we have some questions. We need to hear from you to make an informed decision about your claim that we owe this money. We are open to communicating with you for this purpose. In order to make sure that we are not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 

XXXX. In addition to providing the information requested above, please let us know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell us in writing your offer with the amount you will accept to fully resolve the account. 

Thank you for your cooperation. 

Sincerely,