James Turner Office Address Orlando Attorney James Turner Logo Orlando Attorney James Turner Phone
orlando overtime attorney

DEBT RELIEF LAW CENTER

Attorney N. James Turner Can Help
Stop The Harassment!


SYNCHRONY FINANCIAL

Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. Prior to 2014, Synchrony operated as GE Capital Retail Finance Corporation and was a division of General Electric. Synchrony Financial offers consumer financing products, including credit, promotional financing and loyalty programs. Synchrony Bank is a wholly owned subsidiary. It is publicly traded on the New York Stock Exchange. 

Synchrony is the largest provider of private label credit cards in the U.S. In 2014, the company comprised 42 percent of the private label credit card market. The company provides private label credit cards for such brands as Amazon, Walmart, Lowe’s, Guitar Center, Gap. The CareCredit credit card, also through Synchrony Bank, is for elective healthcare procedures or services, such as dental, veterinary, cosmetic, vision and audiology.

Accusations of deceptive practices and CFPB consent decree. In June 2014, Synchrony agreed to pay $225 million after entering into a consent decree with the U.S. Consumer Financial Protection Bureau. The CFPB alleged "deceptive and discriminatory practices" regarding Synchrony's consumer credit cards.[16] With regards to the practices that the CFPB called "deceptive," it was alleged that, while operating as GE Capital, Synchrony telemarketers had sold numerous credit card add-on services, such as debt cancellation agreements, to consumers without notifying the buyer in an upfront manner of the terms of the agreements. According to the CFPB, in many cases, consumers were unaware that they would be charged for these services.

With regards to the practices the CFPB called "discriminatory," it was found that Synchrony had discriminated against Latino Americans by excluding from two different promotional statement credit deals customers who had elected to receive communications in Spanish and customers with mailing addresses in Puerto Rico. The promotional deals were offered from 2009 until 2012 to customers with delinquent accounts and allowed them to settle their balance with Synchrony Financial by paying some amount which was less than the outstanding balance, under certain conditions. It is not known why Synchrony chose not to offer this promotion to its Hispanic customers, but the CFPB found that this practice constituted "discriminat[ion]... on the basis of... race and national origin."

Are you being sued or harassed by Synchrony Financial?

Call us for a free consultation.

 

Contact Debt Collection Defense Lawyer, N. James Turner at The Debt Relief Law Center by Calling Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation.

Orlando Debt Collection Defense Lawyer, N. James Turner proudly serves the Debt Collection Defense and Consumer Rights legal needs for residents of Orlando, Kissimmee, Orange County, Osceola County, Seminole County, and throughout Central Florida.

debt collection defense

DEBT COLLECTION DEFENSE

Read More

If you are dealing with a situation in which you, as a consumer, are not being dealt with properly in a consumer related transaction or circumstance, find out what your legal rights are. Seek the advice and representation of experienced legal counsel.

credit card debt defense

CREDIT CARD DEBT DEFENSE

Read More

Every day those with credit card debt are harassed by a number of collection agencies that commonly use unethical and sometimes illegal means to attempt to collect debt.

 

student loan debt defense

STUDENT LOANS

Read More

Higher education is an investment in one's future; and it can be expensive. If you are being harassed by student loan creditors or debt collection agencies, find out what your legal rights and options are. Make sure your are informed and your rights ar protected.

debt collection harassment

COLLECTIONS HARASSMENT

Read More

Being harassed by creditors or debt collectors is illegal. There are both State and Federal Debt Collection Laws that exist to protect the consumer from harassment and other illegal activities by collection agencies, their subsidiaries, and third parties.

auto fraud

AUTO FRAUD

Read More

There are a variety of state and federal laws that were created to protect you when you buy a used or new car. Auto dealership fraud can include unfair or deceptive practices, repossession and "buy here pay here" auto dealerships.

 

overtime pay disputes

BANKRUPTCY

Read More

Bankruptcy is a mechanism of the Federal Government to allow debtors (people who owe money) to restart their lives when they have gotten into a financial dilemma where there is no reasonable way to repay the debts they owe.

videos

VIDEOS

Read More

Orlando Consumer Rights Lawyer - watch these informative videos about consumer rights in the financial services industry.

 

frequently asked questions

FAQ

Read More

We answer some of the most common Debt Collection Harassment Question that we hear on a daily basis.

 

espanola

SPANISH VERSION

Read More

Si usted es una de las millones de personas acosadas por un cobrador de deudas desaprensivo, la ley está de su parte. El Acta de Prácticas Justas Para el Cobro de Deudas, regula las prácticas de los cobradores de deudas y les impone sanciones que rompen las reglas.

 

ABOUT JIM TURNER

STARTED SINCE 1990

Orlando Consumer Rights Lawyer - providing aggressive and affordable professional services to consumers who have been victims of debt collection harassment by debt collectors and auto fraud, to residents in Orlando, Kissimmee, and throughout the Central Florida Area.

Read More

 


Home | N. James Turner | Contact Us

Debt Collection Defense | Collection Harassment

Credit Card Debt Defense | Student Loan Issues

Identity Theft Issues | Predatory Lending

Wrongful Repossessions | Collections Lawsuits

Auto Fruad | Bankruptcy

Debt Collectors | Deceptive Business Practices

Fair Debt Collection Practices Act (FDCPA)

Florida Consumer Protection Act (FCPA)

Espanol | FAQ | Testimonials | Video | Articles

Sitemap


overtime attorney orlando image

 

 

 

 

overtime attorney orlando image



orlando overtime attorney bottom image

© 2016 N. James Turner, Attorney at Law.

All Rights Reserved. DISCLAIMER: The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask the lawyer to send you free written information about their qualifications and experience. This website has been prepared for informational purposes only and not as legal advice. Neither the transmission, nor your receipt of information from this website creates an attorney-client relationship, which can only be formed in writing between you and the attorney you choose to represent you.