Understanding Calls from 855-844-0114
If you are getting persistent calls from 855-844-0114, most likely, Synchrony Bank is trying to reach you over some debt issue. Headquartered in Stamford, Connecticut, the company was founded in 1932 as GE Capital Retail Bank and became Synchrony Financial in 2014 after splitting from General Electric.
Reasons for Calls from Synchrony Bank at 855-844-0114
Synchrony Bank may be calling you for one of the following reasons:
- Collecting a bad debt.
- Checking or reactivating your contact details.
- Settle an outstanding balance that your creditor has placed with them.
- Assist in making a payment arrangement or handling your account
Learn About Synchrony Bank
Synchrony Bank is a third-party collector, which means it recovers debts from borrowers on behalf of the actual creditor. In turn, as debt collectors, they are obliged to observe the strict bounds of the Fair Debt Collection Practices Act, a very strict code in which ethical conduct and legality should operate.
To wit, under the FDCPA, this would include not being allowed to:
- Calling you too often or at times that are inconvenient, such as before 8 a.m. or after 9 p.m.
- Failing to validate the debt when it is requested. Calling you at work when they know your employer doesn't allow it.
- Talking to anyone but you about your debt, other than to try to locate you.
- Misrepresenting how much you owe or threatening to sue when they don't plan to.
If Synchrony Bank violates any of the aforementioned rights, then you can take them to court with the help of the FDCPA.
How to Handle Constant Calls from 855-844-0114
If these calls seem unfair to you, or if you feel that you don't owe this amount, then following is what you can do:
- Request Validation of Debt: You can ask Synchrony Bank to send a written proof of your debt.
- Record: Record the dates and times and the details of the conversation whenever 855-844-0114 calls for future reference.
- Dispute or Settle: Write and dispute any debt that is not valid; if you owe, you can talk through the ways you can make your payments.
- Hire an FDCPA Lawyer: Consult an experienced FDCPA lawyer who can fight for your rights and also point out various ways through which your rights have been breached.
Get 855-844-0114 to Stop Calling
If you’re feeling overwhelmed by calls from Synchrony Bank or believe they’ve violated your rights, you don’t have to handle it alone. At Lemberg Law, we specialize in protecting consumers like you from unfair and harassing debt collection practices.
Our experienced team offers free consultations to help you understand your rights and explore your legal options. With our no-win, no-fee guarantee, you can take action without any financial risk.
Contact Lemberg Law today to start taking back the reins. We can help you hold debt collectors in check and get the relief that you need.
Ways You Might See This Number
855-844-0114
85584401141-855-844-0114855.844.0114855 844 0114(855) 844-0114This could be a Debt Collector calling you.
Other Examples of Illegal Harassment
- Multiple calls per week or day
- Attempts to collect more than you owe
- Early morning or late night calls
- Calls to friends, neighbors, or coworkers
- Collection calls at work
- Use of obscene language
- Threats of violence, lawsuit, or arrest
- Attempts to intimidate you
- Use of obscene language
- Multiple calls from different phone numbers
Fight for Your Rights
The Law Protects You
The Fair Debt Collection Practices Act protects you from debt collector abuse. You can sue and recover up to $1,000.
Our Experience
We make it easy to exercise your rights. We’ll sue the debt collector on your behalf – at no upfront cost to you.
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