Consumer complaint received 2021-09-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please be advised this complaint will service as documentary evidence in the event I have to file a claim in Federal Court and would need to prove I tried to resolve this situation with Synchrony Bank before taking legal action. In XX/XX/2018, I entered into a consumer credit contract with Synchrony Bank. I used by credit card, also know as a social security card to initiate this consumer credit transaction. Pursuant to 15 USC 1602 ( l ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Without my knowledge or consent, Synchrony Bank used my credit credit to receive an advance from the Federal Reserve Bank. To clarify advance, I mean they received a loan using my credit card ( social security card ). Pursuant to 15 USC 1602 ( p ), the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. This is identity theft as defined my 15 USC 1681a ( q ) ( 3 ) which states the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Synchrony Bank violated several laws under the FDCPA .Pursuant to 15 USC 1692j, it is a violation to furnish deceptive forms to make someone believe they owe an alleged debt that did not exist. Synchrony Bank have sent me several statement via USPS to coerce me to make payments on an alleged debt. Pursuant to 18 USC 1431, it is illegal to use a post office or any authorized depository for mail matter to scheme, fraud to obtain money or property under false or fraudulent pretenses. I received several harassing calls for months to coerce me to pay for this alleged debt. They also reported this fraudulent and alleged debt to several consumer reporting agencies to defame my character. These actions are in violation of 15 USC 1692d In addition, Synchrony Bank violated 15 USC 6801 by violation my right to privacy by sharing my non public information. They were also supposed to provide me with a disclosure my right to opt of consumer reporting in which they did not. After several attempts to coerce me to make payments on this fraudulent debt, they sold the debt to XXXX XXXX XXXX. I have attached the letter directly from Synchrony Bank stating that the sold the account. This is a violations of 15 USC 1681m ( f ) which prohibits the sale or transfer of a debt that is a result of identity theft. It is a disgrace the magnitude of fraud and deceptive practices the occurs with this corruption. Pursuant to 12 USC 83, banks can not lend money or credit. This is federal law, therefore shameful for Synchrony Bank to alleged I owe them owe. There are several public laws, house joint resolutions, congressional records and case law regarding the inability of any bank or anyone other than a natural person ability to lend credit or have credit to lend. I am a consumer, a natural person and original creditor.

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