Consumer complaint received 2021-11-01
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Regarding : Unauthorized Administration of the XXXX XXXX XXXX Enclosed you will find your abandoned paperwork alleging that XXXX  & XXXX XXXX XXXX XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for the XXXX XXXX XXXX XXXX All executor de son tort and/or trustee de son tort actions are prohibited and proof of violation of 18 U.S. Code 1029- Fraud and related activity in connection with access devices. The consumer revokes any and all implied consent for administration, contracting, or communication of any kind, let alone the creation of a purported account enumerated s/h XXXX. Via multiple communications, including the non-negotiable CEASE AND DESIST notice dated XX/XX/21, the office of executor has proven no quorum approval of the board at the prior financial institution authorized the hiring of an attorney and that XXXX & XXXX are falsely presenting themselves to have authorization as attorneys, when in fact, no such private attorney has United State authorization for litigation. Upon multiple occasions, XXXX & XXXX have failed to produce evidence of a contract between themselves and the head agency with litigation authority, in violation of 31 U.S. Code 3718 - Contracts for collection services. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX & XXXXXXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members XXXX possibly resulting in identity theft. Upon investigation which XXXX & XXXX confirmed, XXXX XXXX has implicated the prior agency and XXXX & XXXX in unauthorized transmission of personal private information in violation of 15 USC 1692b ( 2 ). Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

The false and misleading representations prohibited by the Fair Debt Collection Practices Act are : 15 U.S. Code 1692e ( 1 ), 1692e ( 3 ), 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to 1692e ( 1 ) ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.

1692e ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

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