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Across
limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.
Contact made with person who has authority to speak on an account
Oppress or abuse any person in connection with the collection of a debit
the collector should not speak to the spouse of the cardholder, unless there is permission documented on the account
The following statement is to be read to all right party contacts (inbound and outbound) prior to any conversation
The process of returning a delinquent, open-end credit account to current status without collecting the total amount of principal, interest, and fees contractually due.
The internal Synchrony Bank assistance program offered to qualified customers during a financial hardship
a statement that needs to be read verbatim to any Right Party Contact after identification and before a collection attempt is made
Down
Unfair, Deceptive, or Abusive Acts or Practices
Required anytime a payment arrangement cannot be made for at least the past due amount
Prohibited from using false or deceptive representations in connection with collection of a debit
the cardholder states that this is not a good time to call
A party not obligated to pay the debt
The process of returning an account to its original status prior to the Synchrony Bank error.
Procedure for verifying contact information with the customer
a customer or third party has a complaint