The Law Office of Paul Mankin

Is Synchrony Bank Calling or Harassing You

Synchrony Bank

Synchrony Bank provides banking products and services, including credit cards for retailers such as Amazon, American Eagle, TJ Maxx, and Gap. Synchrony Bank was founded in 1988 and is headquartered in Draper, Utah. Synchrony Bank is a subsidiary of Synchrony Financial.

The Consumer Financial Protection Bureau (CFPB), a Government agency charged with protecting consumers from unfair, deceptive and abusive debt collection practices, has received approximately 4,000 complaints against Synchrony Bank for its debt collection practices. Consumers allege that Synchrony Bank has engaged in the following illegal debt collection practices:

  • Attempting to collect a debt that is not owed by the consumer;
  • Attempting to collect a debt that has been paid;
  • Attempting to collect more than what is owed;
  • Harassing consumers by repeatedly and frequently calling;
  • Improperly discussing the consumer’s debt with a third party; and
  • Refusing to validate or provide proof of a debt.

One consumer reported that Synchrony Bank called twenty (20) times in one day. The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) prevent creditors and debt collectors from abusive and harassing debt collection practices. This includes calling consumers repeatedly or continuously with the intent to annoy, abuse or harass. Although federal and state law does not state the exact number of calls that would constitute harassment, there is a large volume of case law that interprets three (3) or more calls a day from the same debt collector to be harassing. The consumer filed a complaint with the CFPB. Synchrony Bank resolved the matter and provided monetary relief to the consumer.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold Synchrony accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.