Consumer complaint received 2017-01-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (WI)

The following is a timeline of events and errors made on the part of XXXX ( debt collection ), Synchrony Bank, and Lowes ... 

XXXX XXXX XXXX notified us of their intent to collect on a XXXX credit card debt * We initially had no idea what they were referring to, we never received a billing statement from XXXX ( synchrony Bank ) based on the fact we had moved our primary residence XXXX XXXX, We requested from XXXX to substantiate Debt ( we understand they have 30 days to prove debt and we did not receive statements until XXXX/XXXX/XXXX * The statements they provided on XXXX/XXXX/XXXX did not contain information from the late debt, we immediately notified them of this error. 
* Despite the fact they were late proving debt, they continued to contact us by phone. 
XXXX Finally on XXXX/XXXX/XXXX, XXXX provided statements to prove debt and we were able to verify the charges were made by us * On XXXX/XXXX/XXXX, We sent an email to XXXX ( please see the following ) XXXX XXXX, XXXX To whom it may concern : I am writing to inform you that we are disputing several elements of your recent attempt to collect debt on our Lowes credit card. The following items provide details on the areas we are disputing and we are requesting the items are corrected immediately : *We never received a billing statement from Lowes/Sychrony, despite our notification to Lowes of our updated address ( please see attached document that indicates our updated billing and shipping address provided to Lowes at the original time of purchase ) *Based upon the fact we never received a billing statement, we are disputing any finance or late charges incurred *Based upon the fact we never received a billing statement, we expect that the late payment will not be reported as late to the credit reporting agencies If each of the the aforementioned items are acknowledged and rectified immediately, we are willing to remit payment for the initial purchases only for the amount of {$100.00}. If you do not respond to this matter in 30 days we do plan to remit a complaint to both the CFPB and the FTC. Thank you for your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX We recognize that we have Not received a response from XXXX in the required 30 day period and conveniently it appears they have turned over our account to another collection agency, XXXX Recovery XXXX We receive a letter from XXXX XXXX XXXX XXXX trying to collect on the debt Here are some relevant details regarding this situation : 1 ) we are willing to pay for the original purchases, provided they remove the late charges, finance charges, and remove any late payment from our credit history 2 ) XXXX has never had a late payment in her life, our credit score is important to us and is currently over XXXX 3 ) We did notify Lowes at the point of sale on XXXX/XXXX/XXXX of our new billing and shipping address, they failed to update in their system ( please see document attached digitally showing our updated billing and shipping address that Lowes/Sychrony Bank failed to update ) Please help us!!!