Consumer complaint received 2021-12-06
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I, the consumer, sent a cease and desist to SYNCHRONY BANKXXXX XXXX XXXX for XXXX accounts demanding that all forms of communication through any and ll mediums cease pursuant to the Fair Debt Collections Practices Act 15 USC 1692c ( C ). I, the consumer, demanded an audit trail to provide documentary material ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) as defined by XXXX showing proof of this alleged debt pursuant to 12 USC 5562C ( 10 ) and 12 USC 1831n in order to validate this alleged debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g. As my specified remedies pursuant to the Fair Debt Collection Practices Act 15 USC 1692c ( 2 ) I, the consumer, demanded that this alleged debt be zeroed out and return all payments that have been made on this alleged debt, which was a consumer credit transaction, back to me the consumer by check pursuant to the Truth In Lending Act 15 USC 1666d ( B ) for billing errors. I, the consumer, demanded the inaccurate account information being reported to my consumer reports be updated to a XXXX balance. SYNCHRONY BANKXXXX XXXX XXXX XXXX XXXX no permissible purpose to share my nonpublic information pursuant to the Fair Credit Reporting Act 15 USC 1681b ( 2 ) ( a ) nor did I give consent to share my nonpublic information which is identity theft pursuant to the Fair Credit Reporting Act 15 USC 1681a ( q ) ( 3 ). 
SYNCHRONY BANKXXXX XXXX XXXX XXXX has not ceased communication and are still sending me communication through the mails to attempt to collect a debt. This is harassment and a direct violation of my right as a consumer under the Fair Debt Collection Practices Act 15 USC 1692c ( C ). SYNCHRONY BANKXXXX XXXX XXXX XXXX has not sent me any documentary material ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) for this alleged debt. This has denied me my right as the consumer the ability to validate this alleged debt which is a direct violation of Fair Debt Collections Practices Act 15 USC 1692g. SYNCHRONY BANKXXXX XXXX XXXX XXXX has not zeroed out the balance on this account which is a billing error. This is a direct violation of the Truth In Lending Act 15 USC 1666c ( B ) and the Fair Debt Collections Practices Act 15 USC 1692h for multiple debts. SYNCHRONY BANKXXXX XXXX XXXX XXXX has not updated the inaccurate account information being reported to my consumer reports. This is a direct violation of my right to privacy under the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ).

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