Consumer complaint received 2022-08-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
UNDER FEDERAL ORDER # XXXX OREDERING GE CAPITAL, GE MONEY BANK XXXX SYNCHRONY BANK XXXX XXXX XXXX XXXX PAGES XXXX ) ALL 23 GE CAPITAL BANK ACCOUNTS WHERE TRANSFERRED TO SYNCHRONY BANK AND FURTHER REPORTED TO ALL 3 BUREAUS AS PAID IN FULL, PAID AS AGREED, AND CLOSED EXCEPT FOR : XXXX MONEY BANK CARD ( ISSUED XXXX ) XXXX WAS TRANSFERRED TO SYCHRONY BANK, AND SYNCHRONY BANK SOLD TO DEBT COLLECTOR IN XXXX XXXX 
XXXX, XXXX XXXX XXXX MONEY BANK XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX SYNCHRONY BANK XX/XX/XXXX XXXX XXXX XXXX XXXX CFPB ACTION FILE No : XXXX XXXX XXXX XXXX MONEY BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX RE : DEBT VALIDATION LETTER DISPUTE This Letter is being sent to you as notification of your failure in your providing to me the following notifications : 1. Notice sent to me on or about XX/XX/XXXX and 2. Responses to your reporting on all 3 Credit Bureaus Be advised this is NOT a refusal to pay, but in fact a notice to you of your failure pursuant to the Fair Dept Collection Act, 15 USC 1692G, stating your claim is DISPUTED and that I hereby request Validation of the Original debt. 
This is NOT a request for Verification or proof of my mailing address, but in fact a request for VALIDATION made pursuant to the above referenced : Title and Section of 15 USC. I am requesting that your office provide me with competent evidence or the ORIGINAL Debt, that I have a legal obligation to pay you.

At this time, I will also inform you that your office have reported invalidated information to all THREE ( 3 ) of the Credit Bureaus ( XXXX, XXXX, and XXXX ) and this action may constitute fraud for the last SIX ( 6 ) years, and please be assured that due to this information being reported incorrectly, I have no hesitation to bring legal actions against your firm, and all parties reporting such derogatory information under : Violation of the Fair Debt Reporting Act, and Violation of the Fair Debt Collection Practices Act, and Defemination of Character, and personal injury for damages for Credit Refusal for the last SIX ( 6 ) years. 

If your offices are able to provide the proper Original Documentation as requested in the following Declaration, within 30 days at which time I will investigate the Original debt. If you are unable to provide the Original Debt within the 30 days required, all collection activity must Cease and Desist. If any further action that is taken against me which would be construed as detrimental to the already ruined credit history ( s ).

I am ready to authorize my attorney for suit in seeking damages. This will also include any listing of all information reported to all repositories that is reporting inaccurate or invalidated information.

If your office fails to respond to this validation for the Original Debt validation request within 30 days from the date of this of your receipt, all references to this account MUST be deleted and completely removed from my credit files and a copy of such deletion shall be sent to me immediately.
The following information must be provided : 1. Name and Address of Original Alleged Creditor 2. Name on File of Original Alleged Debtor 3. Alleged Original Account Number 4. Address on file for Original Alleged Debtor 5. Amount of Original Alleged Principal Debt 6. Date that the Original Alleged debt became payable 7. Date of the Original Charge or Delinquency 8. Was this Original Alleged Det assigned to a Debt Collector or a Bulk Purchase 9. Original Amount Paid if Debt was Purchased 10. Commission for Debt Collector if Collection efforts are successful Additionally, please provide proof of : Any and all Agreements or Proof that grants XXXX XXXX XXXX XXXX, XXXX the authority to Collect the Original Alleged Debt. 
In closing, I am confident that you can provide all Documents of the Original Alleged Debt. 

Sincerely, XXXX. XXXX XXXX XXXX XXXX Notifications and Reference : XXXX. XXXX XXXX. XXXX XXXX, XXXX, TEXAS. XXXX XXXX. XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX GE Capital Bank XX/XX/XXXX to Synchrony Bank ( Discriminatory credit card practices, events of certain hardships, involuntary unemployment or XXXX ) VIOLATION OF ADMINISTRATIVE PROCEEDING File No. XXXX XXXX Document 1 Filed XX/XX/XXXX Page 1 of 46 XXXX  XXXX IT IS SO ORDERED, this XXXX day XXXX, XXXX. 
Director Consumer Financial Protection Bureau To the CFPB : Regional Director, CFPB XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX To the DOJ : Chief Housing and Civil Enforcement Section Civil Rights Division U.S. Department of Justice XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

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