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Synchrony Bank

May 11, 2015 | Brent Vullings |

Address:

P.O. Box 960090
Orlando, FL 32896-0090

Contact Them:

800-250-5411

http://wordpress-hosting.me

Fast Fact: Pursuant to the Fair Credit Reporting Act, it is unlawful for a creditor to fail to correct or update the information they are reporting about you.

You should dispute a debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged Synchrony Bank account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.

    • 26 Comments

    1. nikkesha s tarrance on July 12, 2019 at 12:02 pm

      SYCHRONY BANK HAS RUINED MY CREDIT WITH A 216 POINT DOWN FOR 3 RETAIL CARDS WHICH ONE WAS DECLINED FOR CREDIT, TJ MAXX AND THEY APPROVED ME FOR TWO OF THERE FURNITURE CARDS ASHLEY FURNITURE AND ROOMS TO GO, HOWEVER THEY PUT A FRAUD INQUIRY ON MY ACCOUNT WHICH I AM FURIOUS ABOUT AND THEY STATED THAT IM NOT EVEN ABLE TO USE THE CARDS FOR 3O DAYS EVEN IF I RECEIVE THEM, I CONTACTED SYCHRONY BANK AND THEY LIED AND SAID THEY COULDNT REMOVE THEM, AND I HAVE CONTACTED THE CREDIT BUREAU WHICH STATED THEY GAVE ME FALSE Information I AM VERY HIGHLY PISSED OFF BECAUSE OF THESE LIES I WLL NOT STOP WITH COMPLAINTS AND ADVISING THE CREDIT SCORE AFFILIATES AND LET THEM KNOW TO REMOVE THESE ITEMS IMMEDIATELY.



    2. Ben Green on April 17, 2020 at 5:28 pm

      Synchrony has rejected me several times and the letters they send have false information in them that isn’t even on my credit report! What is this mess? They are hurting my credit with denials based on erroneous information. What do I do?



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