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TAKE 1 FOR COMPLIANCE

Across
a statement that needs to be read verbatim to any Right Party Contact after identification and before a collection attempt is made
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
Procedure for verifying contact information with the customer
Prohibited from using false or deceptive representations in connection with collection of a debit
Unfair, Deceptive, or Abusive Acts or Practices
limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.
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.
Down
Oppress or abuse any person in connection with the collection of a debit
The internal Synchrony Bank assistance program offered to qualified customers during a financial hardship
the cardholder states that this is not a good time to call
The process of returning an account to its original status prior to the Synchrony Bank error.
A party not obligated to pay the debt
Required anytime a payment arrangement cannot be made for at least the past due amount
Contact made with person who has authority to speak on an account
a customer or third party has a complaint