Consumer complaint received 2022-05-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Original complaint XXXX They did not answer my demand. Simply stated that they respectfully decline to adhere to federal laws. 
I, XXXX XXXX, a federally protected consumer am giving written notice to obligor ( LOWE 'S SYNCHRONY BANK ) 15 USC 1692A ( 3 ) consumer-any natural person obligated OR allegedly obligated to pay any debt 18 USC 8 All debt public and private ( including alleged debt from creditor LOWE 'S SYNCHRONY BANK ) are the obligation of the United States XXXX Stating that the card agreement trumps federal law is a violation-you are not above the law. 

15 USC 1692j-Creditor furnishing deceptive forms It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief to collect a debt 15 USC 1666-It is my belief that this statement contains a billing error. I have attached a statement that contains an alleged debt. 
15 USC 1666d- Treatment of credit balances As a federally protected consumer, Lowe 's is in violation of my rights. My current balance is over {$1.00}, and I demand the amount be refund any part of the amount of the remaining credit balance, upon request of the consumer ( XXXX XXXX ) ; To be more specific : 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

Demanding a refund of {$8100.00} to my account ending in XXXX 15 USC 1666 ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( XXXX ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. 

Attached is my identification, this stands during any and all correspondence. 

XXXX XXXX was the contact that was provided in the previous complaint. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX. XXXX XX/XX/2006 ) The employees of a debt collector who are engaged in allegedly unlawful misconduct and the collection agency itself are jointly and severely liable for the federal law violations.

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