Consumer complaint received 2021-06-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX through their affiliate XXXX XXXX XXXX sent communication to my private abode dated XX/XX/21. The communication was in connection with an attempt to collect an alleged debt. XXXX XXXX XXXX obtained information from my credit card that was issued to Synchrony Bank from a consumer credit transaction that did not involve XXXX XXXX XXXX. Congress defines a credit card as any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. XXXX XXXX XXXX states that they purchased an account with my credit card information from Synchrony Bank who was the holder of my credit card at the time. On XX/XX/21 I drafted a notice of a DEBT VALIDATION letter, CEASE and DESIST letter, AFFIDAVIT OF TRUTH and an INVOICE in regards to this matter with specific requests and demands that was sent to XXXX XXXX XXXX and I also submitted a complaint to the CFPB and attached the same information to the complaint. The notice was delivered to the address for XXXX XXXX XXXX on XX/XX/21. XXXX XXXX XXXX did not respond directly to me about the matter. They responded to the CFPB complaint dated XX/XX/21 and the CFPB closed the complaint without any resolution. The response to the CFPB from XXXX XXXX XXXX violated my rights to privacy and they are in violation of many federal laws pursuant to 15 USC Chapter 41. 

XXXX XXXX XXXX is in violation of 15 USC 1692c ( b ). XXXX XXXX XXXX did not and does not have any prior consent given directly from me, the consumer, to communicate with any person about any debt or alleged debt in connection with me. XXXX XXXX XXXX communicated with the CFPB about an attempt to collect a debt from me. XXXX XXXX XXXX exposed my nonpublic personal information to third parties without my consent, which is unauthorized use of my credit card. XXXX XXXX XXXX has not provided any validation of any debt in connection to this matter. They have not produced any of the actual accounting and they have not provided a legally or lawfully binding agreement in connection to the matter. The response letter XXXX XXXX XXXX designed, compiled, and drafted to the CFPB shows they are knowledgeable that said form would be used to create the false belief in me, the consumer, that a person other than the creditor of such consumer is participating in the attempt to collect a debt I allegedly owe such creditor, when in fact I am not so participating. XXXX XXXX XXXX is in violation of 15 USC 1692j. 

The initial referenced notice sent to XXXX XXXX XXXX dated XX/XX/21 gave them reasonable time and grace to locate and produce the validation of the alleged debt and other information as requested. XXXX XXXX XXXX was granted 30 days to produce said information. The deadline has passed for the time granted for their response. XXXX XXXX XXXX did not respond to the Affidavit of Truth. An unrebutted affidavit stands as truth. XXXX XXXX XXXX failed to perform the required actions. On XX/XX/21 I, the consumer, sent XXXX XXXX XXXX a Notice of Default and Opportunity to Cure dated XX/XX/21 to resolve this matter prudently. I have attached the encloses of said notice to this complaint.

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