Consumer complaint received 2024-01-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/year> I applied for and was approved for Amazon store card but according to 6 synchrony bank Amazon lawyer customer service XXXX XXXX and no one could explain how I applied for credit and allegedly denied but was approved for a debit card in which requires funding the bank is breach for non proformance as they were give value an by law must return the same or the undertaking is void from the inception bedcaise synchrony bank never gave anything of valuable consideration transferred around for two hours for every point of contact held a different deceptive tactic as times chuckling anticipating me to release the call and accept the fraud by agreeing to a new offer to offset the the damages for the failure to offer equal credit opportunities basing decisions off of a machine using ambiguous banter with words like you we me they but have no terms to reference these titles and their applicability as no one has actually denied me because synchrony bank only exist On paper and no one could provide me with a a liable party who cant support the denial saying letters will come 7-10 days from Now saying Im approved for debit when I applied for credit and can not make sense of the buffoonery if Im denied Im denied its no denial if Im extending the credit and Im the account owner id I wanted to apply for a debit card I could go to any corner store to get one and the whole 2-3 hour phone call the agents literally sitting lying to my face getting tangled in their own webs two hours of still not knowing who denied me and why and by what authority as I provided synchrony with an asset on their books with all my identification non public private information and is not denying me trying to force involuntarily servitude by way of a secure card that is what was applied but forced upon as a new offer to contract as they commit fraud and I have 6 agents on one call all showing how disgusting synchrony bank an its practices how they train their XXXX keyboard keepers as they swindle the uninformed forcing me to try an give up federal reserve notes while holding my credits hostage saying synchrony bank wont give me the card never actually denying just using fraudulent conveyance of language and bullying customers off the phone with clear discriminatory tactics by unauthorized use of your social security account fraudulently furnishing that they have gave you business but holding the account hostage passing it off as a fake denial and no one to be held accountable unless you file complaints and administrative processes if the county is back by the full faith and credit of the people how is there good credit as credit or even then idea that one person deserve to live better than the next but will say thats not discrimination it its clear if everything is backed by the people how can one be denied is not everyt financial institution insolvent? Is there a lawful way to pay as XXXX XXXX and the other XXXX agents clearly believe that there is but when asked how they have no clue but this is a valid offer of consideration that they offer to their customers and when debit and credit dont mix so how did my consumer credit application turn into a debit that needs funding because of willful Negligence and deceptive practices to unjustly enrich synchrony while forcing people to go slave and bring back federal reserve notes which is illegal so how can you try to force me in to involuntary servitude is slavery still in existence? Because no where in my in life have I ever been approved and denied to a choice of the financial institution whos now in possession of an asset of mine being synchrony bank has not performed as the Equal credit opportunity acts states : This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling. 


So again is credit not MY RIGHT? As synchrony bank seems to be attempting to monopolize off of human rights violations as I am a decedent of a XXXX XXXX XXXX veteran from XXXX as an indigenous inhabitant of this land my status and identify documents will be attached Im hoping synchrony bank just had on a bad shift who just didnt understand what they were looking at but RIGHTS ARENT PRIVILEGES THEY ARE DIRECTLY FROM THE CREATOR NOT SYNCHRONY BANK. IS synchrony banks cfo ceo or any of the directors be willing to submit an affidavit signed and sworn by penalty of perjury that Im not credit worthy?

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