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I am being a huge amount of late payment charges for a balance at JCPenny’s that I did not know I owed

Date: 4/8/2019 11:03 AM (PST)

Synchrony bank is now handling JCPenny’s credit cards accountsand say I owe $329 on a $71 debt that I thought was paid off. I never received a letter, email or phone call referencing this past due balance that I was not aware of. When I call Penny’s the recording says my account is closed with a “0” balance. They are not willing to work with me and the only reason I found out was because Transunion credit notified my credit rate had dropped from 730 to 700. Can Synchrony bank do this and what is their rating???!

Category: Business

Responses: 1

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Date: 4/9/2019 3:27 PM (PST)

Good Afternoon, Gloria.
It can be very frustrating and stressful when dealing with Collection Agencies. The good news is, you can dispute the debt and in some cases, get it withdrawn and removed from your credit report.
First request verification of the debt. The collection agency is required to provide written verification of the debt or cease all collection efforts. Send a letter by certified letter, return receipt, requesting the verification. Keep a copy of the letter and the return receipt for your records.
For your review, I have provided a link to BCA's Resource Guide "How to Deal With a Collection Agency"
In addition to disputing the debt, you may want to consider filing a complaint with BCA. We offer third party mediation services for consumer at no charge. If you would like to file a complaint, for your convenience, I have provided a link to do so.
I Sincerely hope you find this information helpful. If you have any additional questions, please feel free to contact me at

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