Consumer complaint received 2019-09-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IN THE COUNTY XXXX XXXX FOR XXXX COUNTY, FLORIDA DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Pei 10 : XXXX XXXX XXXX XXXX Plaintiff VS. ' XXXX XXXX ititi OF THE CIRCUIT COURT XXXX XXXX, FL XXXX CASE NO : XXXX XXXX COCI DIVISION : XXXX File # : XXXX Judge XXXX XXXX Div. XXXX County Court Judge Never had a credit card in the this name nor a credit card names SYNCHRONY BANK. appears at my door step at night in a neighborhood scaring my family. XXXX XXXX Refuses to stop this complaint. 
ANSWER ORDERED DATED XX/XX/XXXX, RIGHT TO PRIVACY DEBT COLLECTION PRACTICES ACT AMENDED ) CEASING COMMUNICATION CEASE AND DESIST The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ( subsequently amended ) consumer protection amendment, establishing legal protection from abusive debt collection practices Act, as ( FDCPA ) personal, Records Violations of Federal Law that limits the behavior and actions of third-party debt collectors Publishing Misrepresentation or deceit : Credit Protection Act, As Title VIII of That Act. 15 USC 1692b. Data Breaches, Frauds, Scams. Broadly Defines A Debt Collector As " Any Person Who Uses Any Instrumentality of Interstate Commerce or The Mails in Any Business, The Principal Purpose of which Is the Collection of Any Debts, who regularly collects or Attempts to Collect, Directly or Indirectly,. [ XXXX XXXX, victims of identity theft in the process Fraud, Scams, Cyber-Crime There is abundant evidence of the use of abusive, deceptive, unfair debt collection practices. Further communication with the consumer communicates Fraud caused by identity theft from Further with the with respect with such alleged, debt, deceptive practices. Not permitted under applicable law [ 22 ]. Further protection from attempt to harass, abusive, deceptive practices Fraud, publishing private information ; 3 ). The Abusive practices intrusion into the personal life of other invasions of individual privacy. Remedies for violations of the Act. [ 2 ] I protection from the misuse the Consumer notifies the debt collector to cease. Judges through binding precedent common law jurisdictions. Title VIII of that Act Disputes Third Party Contacts Illegal Contracts by. Debt Collectors ' since since XX/XX/XXXX stalking like conduct from servers. Conduct Under the FDCPA Act Florida  Constitutional Right to Privacy. Identity Theft intrusion on one 's solitude into one 's private affairs ; 2 ) notifies a debt collector in writing that the consumer refuses to pay consumer wishes the debt collector to cease further, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt llector'sCREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Data Breach identity theft, mortgage fraud, the debt is disputed, credit card theft Dispute the following validation of the debt Information in my File. Dispute Errors or Other Inaccuracies, Tax Write Off or Created Cards or Charges Off on Credit Report After the Debt Validation collection agency the bonding agent for CO license. Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. FEI/EIN. Detail by Registration Number Partnership Name, Detail by Document Number. Agreement with client that grants you the authority to collect on this alleged debt. Dispute failing to report information correctly, violates the Fair Credit. Verification that this debt was assigned or sold to collector. requested documents, any insurance claims been made by any creditor regarding this account. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Reporting Act. information in my file. further efforts are being terminated ; ( 2 ) to notify may invoke specified remedies which are ordinarily ( 3 )  where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specifiedremedy. If such notice from the consumer is made by mail, notification upon receipt. pursue remedies permitted [ 15 ]. Entity violates the FCRA, 1 ] under which Debt Collectors Conduct Business, 802. ( a ) abusive, deceptive, and unfair debt collection practices Rights of Debt collectors prescribes remedies for violations of the Act. [ 2 ]. Debt collector violations of the FDCPA Statutory entitled to recover : Punitive damages {$1000.00} remedies for violations of the Act Florida 's Constitution explicitly recognizes a right to individual privacy. I, 23 Right of privacy conclusion. Invasion of privacy. Third party ( C ) Debt collector Contract Law 15 USC Section 1692b. Violations of the Act. [ 2 ] Act. [ 3 ] [ 4 ], Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p Title VIII of that Act. Public Disclosure of After receiving written notice that said consumer wishes, no further communication, unless litigation lawsuit. has a from : 1 ). contract can not confer rights or impose obligation WHEREFORE, Plaintiff demands judgment for {$8300.00} and court costs against Defendant ( s ) .PLAINTIFF 'S MOTION TO APPOINT PROCESS SERVER COMES NOW, the Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX by and through its undersigned counsel, and files this its Motion to Appoint Process Server pursuant to Rule 1.070 ( b ) of the Fla.R.Civ.P., and would show unto this Honorable Court the following : 1. This Court is authorized to appoint any competent person, not interested in the action, to serve original process. 
2. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX is/are competent and not interested in the action, and is over the age of eighteen ( 18 ). 
WHEREFORE, the undersigned seeks entry of an order appointing the identified individual ( s ) for the purpose of serving process in this cau XXXX, XXXX XXXX XXXX, XXXX. 
Attorneys for Plaintiff XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX Dragutsky BY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if /DESIGNATION OF EMAIL ADDRESS XXXX Please understand that this is an attempt to collect a debt and any information we obtain will be used for that purpose. 
Our File # : XXXX i- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX Bar No. : XXXX

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