Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Dear XXXX, Subject : Formal Complaint Against Synchrony Bank and XXXX XXXX XXXX and Request for Investigation and Compensation I am writing to formally request an investigation into the practices of Synchrony Bank and XXXX XXXX XXXX XXXX XXXX ) regarding the improper handling and sale of my private medical information. 

Background In XX/XX/year>, Synchrony Bank charged off a debt related to a CareCredit account. I was informed that I could settle this debt for {$900.00}, and I paid {$880.00} over the years. However, XXXX is now requesting a balance of {$4300.00}, which I believe is incorrect. Despite my attempts to have this debt validated, XXXX  has failed to provide proper documentation. Instead, I was simply told over the phone that the debt was valid and authorized by Synchrony Bank CareCredit. Following this, I made an agreement to settle the debt and paid {$880.00}. Since 2018, I have been harassed with letters and phone calls from XXXX, causing significant financial and emotional distress, especially during the pandemic. 

Violations by Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX and Accountability Act ( XXXX ) Synchrony Bank disclosed my private medical information to MCM without my consent, which is a violation of XXXX. 

Violations of the Gramm-Leach-Bliley Act ( GLBA ) Synchrony Bank did not provide clear and conspicuous privacy notices or an opt-out opportunity before sharing my personal information with MCM, violating the GLBA. 

Violations by XXXX XXXX XXXX XXXX of the Fair Debt Collection Practices Act ( FDCPA ) Section 805 ( Communication in Connection with Debt Collection ) [ 15 U.S.C. 1692c ] : MCM has repeatedly mailed letters and made phone calls to me at inappropriate times, causing harassment.

Section 806 ( Harassment or Abuse ) [ 15 U.S.C. 1692d ] : The persistent and aggressive attempts to collect this debt have caused me significant distress.

Section 807 ( False or Misleading Representations ) [ 15 U.S.C. 1692e ] : MCM has not provided clear or truthful information about the validity of the debt.

Section 809 ( Validation of Debts ) [ 15 U.S.C. 1692g ] : MCM failed to provide proper validation despite my requests. 
Supporting Legal Precedents and Cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case highlighted the necessity for MCM to provide clear documentation of the debts validity. Failure to do so can result in legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Demonstrated the importance of proper debt validation and adherence to FDCPA requirements. XXXX  failure in this regard has been successfully challenged in court. 
CFPB Settlement with XXXX : In a significant action, the CFPB settled with XXXX, requiring them to pay consumer redress and a substantial penalty due to their deceptive practices, lack of proper documentation, and attempts to collect time-barred debts.

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 non-monetary relief