Synchrony Bank Debt Collection Complaint

Synchrony Bank Debt collection department,

Medical Disclosure verification of debt Not given enough info to verify debt Louisiana

I mailed a request for validation to - - - - on -/-/15. The return receipt card indicates that this request letter was received by - on -/-/15. In my -/-/15 letter I specifically asked that - 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. - 's response letter was sent just one day after after receiving my letter and is dated -/-/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 - 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 - on -/-/-15and the return receipt card indicates that this request letter


revenue generating subsidiary -. By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. -, In the matter of - - - - -, et al dated -/-/15, - was identified as having violated Sections - - a ) and - ( a ) ( - ) of the Consumer Financial Protection Act of 2010 - " - '' -, - U.S.C. - - a ) and - ( a ) ( - ) ; Sections - ( a ) ( - ), -, - ( - ), -, - ( - ) ( A ), - ( - ), - ( - ), and - ( - ) of the Fair DebtCollection Practices Act ( " FDCPA '' ), - U.S.C. - ( a ) ( - ), -, - ( - ), -, - ( - ) ( A ), - ( - ), - ( - ), and - ( - ) ; Sections - ( a ) ( - ) ( - ) and - ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), - U.S.C. - ( a ) ( - ) ( - ) and - ( b ). Under sections - and - of the -, - U.S.C. -, -. In this matter, it was found that - had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. - 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 - approximate ) original balance. I believe that - 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 - has not conducted a reasonable investigation of my dispute, despite multiple requests.