Consumer complaint received 2017-05-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I checked the boxes, but the fraud is not as the boxes specify. The CFPB took action against  XXXX   XXXX   XXXX  for filing false lawsuits, liens, etc. I was the victim of a number of the false liens. The liens were recorded against real property and they went out of business without releasing them. I go to sell the property and the escrow company withholds {$15000.00} to pay  XXXX  liens-one for {$2800.00}  (   XXXX   XXXX   XXXX   as Assignee for GE Money on a Lendscrafters account )  and {$4400.00}  (   XXXX   XXXX   XXXX   ).      I tried to contact   XXXX   XXXX   for proof of the underlying loans. They refused to produce any proof. They were rude. They then submitted a " payoff '' without my knowledge claiming they changed the account numbers and the new amount owed was {$4400.00} they never sent me the letter or proof of the underlying credit card debt or verified if the judgment was valid. They collected the money. The law firm of  XXXX   XXXX   XXXX  never obtained the satisfaction of judgment before giving the money.     The  XXXX   XXXX   XXXX   XXXX  went out of business in    XXXX    or so. No one was assigned the lien and I was given the run around by a guy named  XXXX   XXXX  of   XXXX   XXXX   XXXX   XXXX   in  XXXX . First, he said the judgment was sold before  XXXX   XXXX   XXXX   XXXX  went under. He said it was sold  XXXX .  XXXX  then said they did not own it and to check with  XXXX   XXXX .  XXXX   XXXX  did not own the judgment and said  XXXX   XXXX  owned the judgment.  XXXX  did not have legal ownership. I never had any Lenscrafters account. Then  the trail  ran cold back in   XXXX   XXXX  . Apparently, without my knowledge, the same law firm of  XXXX  contacted   XXXX   XXXX   and this time,   XXXX   XXXX   gave some unsupported claims that it held the books for  XXXX   XXXX   XXXX  and was claiming the money for  XXXX   XXXX   XXXX   XXXX  and that   XXXX   XXXX   was the Trustee. They collected the {$2800.00}. The problem is that in a letter to me,  XXXX   XXXX ,  CEO  said that the judgment had been discharged by  XXXX   XXXX   XXXX  and they have no legal interest in the judgment. Despite receiving the money under false pretenses,  XXXX   XXXX  refused to produce proof of ownership of any judgment by assignment refused to even say what account was involved. I later found out that they took the money saying " he would find a home for it. '' He then tried to say it was applied to some other account. The judgment was for an alleged  GE Money Lendscrafters ac count, that is the name of the Plaintiff in the lawsuit.  XXXX  sent a note that clearly claimed the money was being taken for a  Sam 's Club ac count and not the named Plaintiff on the judgment. At the same time that  XXXX   XXXX   XXXX  through  XXXX   XXXX   XXXX  was filing claims in  XXXX   XXXX  Georgia, the  only county  that I lived in for this Lencreafters account,  XXXX   XXXX   XXXX   XXXX  were filing thes e Sam 's  Club accounts in  XXXX   XXXX  and obtained default judgment and garnished my wages. Please investigate what should happen to all the people affected by the phony  XXXX  judgments and liens. Please investigate  XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX  making false claims to collect on debts for a company that went out of business and for which he has failed and refused to produce truth that the account or judgment was ever assigned to the new company  XXXX   XXXX   XXXX . There is nothing in any court record showing an assignment of judgment or claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation