Synchrony Financial Debt Collection Complaint

Synchrony Financial Debt collection department,

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

- - - called me in - 2016 regarding a supposed debt they purchased from Synchrony Back/ Care Credit. I requested that - - Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on - -, 2016 I sent a written request to MCM. On - - 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In - I summons can not be served prior to an action being filed with the clerk. I called the clerk of the - - Court and was told


Summons have - date on it and does not have a court seal or case number. Called - - Court on - : advised that there is not case filed with the court - - - - - - - That if a case was filed, before a summons would have been stamped with a case number and a court seal. Called the number for the Attorney on the account and was rounter to a dump all number for -. Was given a different number -. Spoke to - - Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates - and FDCPA - Gave me Fax - - advised that I should talk with a paralegal or attorney for - and transferred my in to a bling que. Spoke to - - Ex : - As I was discussing this action with him he attempted to say that - is a serve first state. Advised that I spoke to the court clerk in - - and was assured that service is only legal after an action is filed. Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. Called back : Spoke to a rep names - and asked him to transfer me to - - - provided me with his email address and stated that he was putting together a validation letter. I received the so-called validation but there is nothing in there that states my rights as is required.