Oct 16, 2016
Thus far there is no agreement if "they" are Synchrony or Discover. Synchrony, nee GE Money Bank, is known for chasing accounts which are neither delinquent nor in default, and hassling the wrong persons. Discover is known to hire outright lawbreakers to collect and commit robo-perjury in its lawsuits. Both favor excessive call patterns and hostile treatment to wring money from the disadvantaged, who as stated may have good reason to protest. In a few states these creditors violate laws which are similar to the FDCPA.
Therefore it is not for you to judge in a curt sweeping statement a single reason for investigating this caller, nor your place to suggest a single remedy of compliance with strange bullies.