Consumer complaint received 2023-06-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony bank. They claim I have credit cards for jcpenny, XXXX XXXX, rooms to go. I asked for confirmation of debt. I said let me refresh your memory. A confirmation of debt is all the wet signatures of all transactions. They sent me a bill what you call a statement. That is not a confirmation of debt. Lets see if I understand. You sold the debt to a debt collector for profit. Then you wrote this debt off. I must be confused. This is double payments. Sounds like fraud to me. Why do you spell my name in all caps XXXX XXXX which means dead person or corpation spellings. I am not a dead person. I sent you my fee schedule that states closing a account is a fine of {>= $1,000,000} per occurrence. 

I, XXXX, XXXX to said principle XXXX XXXX XXXX hereby accept all titles, rights, and interests owed to principle XXXX XXXX XXXX, I hereby instruct ceo of this account to apply the principle balance to said accounts in every billing cycle, if these instructions can not be honored. Please respond through postal mail giving details of none acceptances, if you do not send anything back it stands that you have accepted my offer and moving forward als. Apply the above instructions. 

By : XXXX, XXXX Without recourse ucc 1-308 I, XXXX XXXX : XXXX ; Authorized representative XXXX am sending the coupon of the accused summary to synchrony bank as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc3-104. I noticed that you have sent me these coupons and ask me to remit another check or money order and then you have redeemed both. That is double dipping of course and is illegal. 

I am potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as the payment per ucc3-603 ( b ). If tender of payment of obligation to pay an instrument is made by a person entitled to enforce the instrument and the tender is refused, there of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt. 

Here are some definitions to clarify what I am talking about just to refresh State statues if you need a refresher. 


A billing statement : is a monthly report that credit card companies issue to credit card holders showing their recent transactions, monthly payments due and other vital information. Billing statements are issued monthly. 

Coupon : a coupon or coupon payment is the annual interest rate paid on a bond, exptmressed as a percentage of face value and paid from the issue date and paid until maturity. 

Bond bearer : a negotiable instrument payable to the holder. 

Volcher : a small printed piece of paper that entitles the holder to a discount, or that may be exchanged for goods or services. 

Sincerely and without Ill will, : XXXX XXXX XXXX, beneficiary and authorized representative All rights reserved without prejudice, without recourse

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