Credit card Cont'd attempts collect debt not owed debt is not mine
Synchrony Bank Debt collection department,
Credit card Cont'd attempts collect debt not owed Debt is not mine Ohio
during 2014 I purchased some window treatments from JC Penney company and returned the entire purchase. the store employee was new to JC Penney and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. Nearly one year later - - contacted me by phone ask me to pay the JCPenney bill for less than $300.00. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than $300.00, but none of the documentation included actual store receipt from JC Penney or an itemized document of purchase. Since I have over a - credit score it is highly unlikely that I owe this amount that - - is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). clearly under the new guidelines that the CFPB has established for debt collectors it seems that - - is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from JC Penney that shows I owe any money to them.
Synchrony Bank customer in Ohio
Nov 13, 2015
* Source: CFPB Complaint Database
Synchrony Bank response to complaint:
Closed with monetary relief
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