Hello, I have an account in collections with XXXX XXXX in NY for a previous account I had with XXXX/ Synchrony Bank which was a credit card used for medical bills. We had a balance of {$460.00} as of XXXX 2014 with Synchrony Bank which was charged off to XXXX and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both Synchrony and XXXX attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for medical bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.