Consumer complaint received 2020-06-18
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I am just going to summarize the harassing events because it has caused me stress and emotional trauma for several years now 1 ) to begin, I was interested in getting XXXX XXXX in my lower XXXX to fit a partial XXXX and XXXX XXXX. I had my front teeth but had a XXXX XXXX XXXX. Was told I had " XXXX '' sarcastically by XXXX  which was a vicious lie. He had an assistant who told the tale of her XXXX days in OR and like to critizie others to improve her appearence. I was mislead, misunderstood, I thought the cost, over {$12000.00}, included four XXXX in my lower XXXX. This was intentional, they knew I was vulnerable ( because teeth affect your self esteem ) at XXXX XXXX in XXXX, AZ. Was offered " their '' company to borrow extra money from Synchrony bank, receiptionist was VAGUE ABOUT DETAILS, I was under the impression that I would receive email information from the lender, she stated several times it was their company. Synchroniy must be aware of their tactics there at XXXX XXXX. Missed a payment or 2 before I got loan details, started receiving harassing phone calls, up to 3 or 4 a day at 2 months. 
2 ) The XXXX  grounded down my XXXX XXXX  without my permission, pulled several XXXX that would have lasted another 10 years, XXXX a XXXX XXXX, then placed a XXXX XXXX, leaving me with no XXXX XXXX, doesn't sound like a plan I would agree to for over XXXX dollars, ( since I live at the poverty level ) when I went in interested in getting implants? XXXX user asked me, how do you chew XXXX, humiliating me and covering the " fraud ''. I paid over XXXX in cash, so small amount was financed thru Synchrony Bank, had no choice, my XXXX were XXXX, traumatic experience 3 ) was harassed by bank or collection company ( not sure which, another tactic ) so many times, they tried to put my emotions in imbalance, like them getting their money back was the most important thing in the universe and I was their property to call as much as they wanted, " control as much as they wanted '' I can produce phone records to confirm this.

4 ) My synchrony loan records are not available to me on line now, I just tried to pull records, so my details are just pieced together from memory and bank statements. I made a XXXX or XXXX dollar one time paymnet to pay off a XXXX in the spring of XXXX as halr a payment to pay off in full of remaining balance because at this point I could no longer tolerate the thought of dealing with them and they took the money as interest as if I was behind on payments when I was not. I did not make a payment the next month because they took the extra payment as illegal interest and the harassing phone calls resumed, 3 or 4 a day. Uf they are so on top of things wouldnt they have known this, they are like a collector for a a loan shark. 
5 ) their lawyer from XXXX XXXX FL started calling me, if Ihave learned one thing in life it is never to talk to the opposing parties lawyer, I only owe them around {$300.00}. They have added over XXXX dollars in intersted from 2 years back and have filed a civil law suit which I just received notice for, court is postponed in XXXX XXXX County due to covid, how can I defend myself if I dont have asses to my records?

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