Consumer complaint received 2021-08-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The creditor 's 3rd party debt collector agreed to delete the account and remove it from the credit report on XX/XX/XXXX, as part of the settlement. HSN further agreed to delete the account on XXXX XXXX XXXX, and XXXX. I have filed complaints against the bank with the XXXX XXXX XXXX, Ohio Secretary of State, SEC, and the FTC.

HSN and their 3rd party credit collectors made fraudulent misrepresentation is a statement that the debt collectors made knowing it was false or that they made recklessly to induce the other party to enter a contrary in order to settle the account in violation of the Fair Debt Collection Practices Act 807. False or misleading representations debt collector may not use any fraudulent, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

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

( 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. 
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
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11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with legal action.

( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
( 13 ) The false representation or implication that documents are a legal process.

( 14 ) The use of any business, company, or organization name other than the actual name of the debt collector 's business, company, or organization.

( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. 
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.

15 USC 1692f I request the removal of any reference to this debt from my credit report and the complete removal and full debt settlement as agreed to on XX/XX/XXXX. The creditor 's 3rd party debt collector agreed to delete the account and remove it from the credit report on XXXX XXXX XXXX, as part of the settlement. They fraudulent misrepresented their position per 807 FDCPA.

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