Consumer complaint received 2019-04-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint concerns constant harassment from Synchrony Bank. On XX/XX/XXXX a payment was received and accredited to my account in the amount approximately {$4200.00} then that payment was reversed. I was accused of sending in a fraudulent payment when it was a legal tender. On XX/XX/XXXX after speaking with a supervisor the tender of payment money order was corrected by way of Government coupon. It was mailed in and received. On XX/XX/XXXX i received three calls one of which i spoke with a supervisor and a manager named XXXX and she told me the payment was incorrect and told me the correct format once again. She then gave me the corrected address where someone a human would received the manual payment tendered coupon. 
Thereafter i had faxed in the proof of payment, and Synchrony Bank filed a missing payment complaint and i faxed that in as well. XX/XX/XXXX, a XXXX XXXX stated in writing that i could also pay by US Currency, well I'm glad to inform you Synchrony Bank the Tender of Payment is US Currency check with the US Treasury. Once you have received tendered payment you instructed to retrieve funds from the US Treasury in Washinton DC or District of Columbia and or any Federal Reserve Bank. The payment was resubmitted and received on XX/XX/XXXX. On XX/XX/XXXX i received another call from Synchrony Bank at XXXX XXXX  this time i spoke with XXXX a female located in the XXXX, i asked to be transferred but she explains deceptively that if she transferred me it could take some time. I asked her if she could look into my account and see if Synchrony had received the payment tendered coupon. She said ok, i was on hold for about six minutes. When she came back she said she could see the payments where received and that she would place me on hold again to speak to a manager. I held for another five minutes. She came back on the phone and told me that her supervisor said that the payments had been received and to allow four to five days for it to process and another four days or so for it to post. Now at this point i am being told many things about my payment received or lost and then not received. Rather today XX/XX/XXXX i have received multiple calls after a cease and deist. Come now and notice that I the man owner of said property acquired by purchase! i have not received a letter [ s ] from the CEO or Controllers from the Back Office of Synchrony Bank, or CEO or Controllers of XXXX XXXX agency concerning the decline of the Tender of Payment Offer. Please provide in writing your legal and or lawful reason [ s ] for not accepting the government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. A letter from the Research Department is not the proper channel for this type of payment because they do not know what the Tender Of Payment is! Such is legal Tender for property and this card was used to secure such.

A copy of the Tendered payment was mailed to the US Treasury and received for you to retrieve payment! Please note ; In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the contractual agreement is the document that pledges the property as security for the loan.

3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Thus all is dealing with property of State of the people and my private property. 

ss # XXXX XXXX XXXX IN THE MATTER OF ARBITRATION BETWEEN THE FOLLOWING PARTIES Arbitration or Meditation Demanded if there is threat of collections or taking of property hereafter the tender of payment has been offered thereto Synchrony Bank a XXXX XXXX XXXX or XXXX XXXX   in concert with the FDIC and the United States Of America. 

You are unlawfully demanding and or attempting to collect late fees and/or parents in violation of the terms of the agreement and the arbitration process as you have claimed a debt is owed after tender of payment, you are hereby order to cease and desist from any further attempts at such collection! If you continue to ignore the terms of the agreement, the daily penalty rate will insure for each day since the entering of agreement and the default of infraction. A request will be made to the Arbitrator to adjust the award as a result of the calculations not previously taken into account by the soon to be arbitrator, as is permitted via the Federal Arbitration Act 9 USC 1-16.

Please note this is a legal tender and not a fictions currency but back by the " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83.

Therefore tender of payment or The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( XXXX XXXX, XXXX, ch. 6, 16 ( par. ) ,38 Stat. 265 ; XXXX XXXX, XXXX, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; XXXX XXXX, XXXX, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Therefore this is lawful money and United States Currency and not illegal As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p.

Acquisition of location information - claiming payment was lost when it was received.

Communication in connection with debt collection - multiple calls after i have spoken to someone. Bank stated they received the payments but then lost them. Bank stated it take US Currency which is Tender of Payment Harassment or abuse - Customer service being rude and nasty. Transferred to a non english speaking country where either party can under stand one another False or misleading representations - Stated during a recorded call on three occasions that the Tender of payment is acceptable as well in writing calling it US Currnecny Unfair practices - As stated too many calls and no one can find payment after the payment was recorded line said to have been received.

Validation of debts - stated that i verbally contracted with them without a party present from Synchrony bank.

Multiple debts Legal actions by debt collectors - In house collections calls on four occasions after payment was received. 

Furnishing certain deceptive forms - Produced a form claiming that i chose a button online to never have payments done by manual mail and other. 

Civil liability Administrative enforcement Exemption for State regulation - claim to be exempt from state regulations Exception for certain bad check enforcement programs - stated that my payment or tender of payment was illegal

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 non-monetary relief