Synchrony Financial Debt Collection Complaint

Synchrony Financial Debt collection department,

Credit card Disclosure verification of debt Not given enough info to verify debt Texas

I 've been victimized by the illegal collection practices of - - - - - - -. - Consumer is who I acquired the credit card through as a college student who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my thirties. With a -dollar limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of $75.00 dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying - - - dollars per month or as max as I could get it. The card was closed but I never stopped making payments. - still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to - and GE Money bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get


After trying to - this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against - - - - - - -. by the Consumer Financial Protection Bureau. Although this credit is present, - decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed. This has been very painful and costly ; I only wanted it resolved years ago but - with their account - games with moving the account from - company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.