Consumer complaint received 2017-08-08
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
First, XXXX XXXX XXXX XXXX. failed to adhere to the CFPB 's policy in regards to responding to a complaint within the first 15 days which the CFPB noted which a copy of this is attached. Secondly, XXXX XXXX XXXX XXXX. attached a copy of a letter they " supposedly '' sent to me. This letter was not once received by me. It would not surprise me if they made up a date on a letterhead to cover themselves from failing to contact me as they were required to do. Third, Synchrony Bank clearly states that the account was " CHARGED OFF '' ( see letter " Letter from Synchrony Bank stating account charged off '' ). By charging the account off, Synchrony would NO LONGER BE RESPONSIBLE FOR IT AND FORFEITS THEIR RIGHTS TO TAKE PART IN A LAWSUIT. Therefore, XXXX XXXX XXXX XXXX CAN NOT sue me on behalf of someone who was " charged off '' my account. I also do not appreciate that XXXX XXXX XXXX response attached below, referencing that I ever acknowledged that Synchrony is being represented on their behalf. AGAIN, Synchrony stated the matter was charged off therefore they are not involved with the matter. Thats facts! Fourth, I have sent MANY faxes and letters from XX/XX/XXXX until present, all of which were never responded to. I asked XXXX XXXX XXXX XXXX to contact me regarding their lawsuit because I have not once been contacted by them although they are providing a questionable letter that they did. They have been known to send people false documentation regarding this issue, even when they were XXXX XXXX  XXXX XXXX - See XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX ( XXXX.N.Y. XXXX ) - See XXXX v XXXX XXXX XXXX , XXXX, XXXX Dist Ct, XXXX NY, case No. XXXX These are just 2 of the thousands of cases filed against this agency 5th -Your threats to continue to pursue lawsuits to me must be addressed. Just because I filed, and will continue to file complaints with the CFPB and other jurisdictions does NOT give you the right to take retaliatory measures against me. As seen in the attached document ( XXXX XXXX XXXX Threats ), I was threatened with further lawsuits because they are claiming I filed too many complaints and that they are " Frivolous ''. To state they have no value is not their decision as its my RIGHT to send as many complaints as needed to stop companies like you from bullying people like myself. XXXX XXXX XXXX XXXX. has stated many lies, are deceptive, and bully people, all of which while they can not adhere to the CFPB 's guidelines. They had to change their name from XXXX XXXX XXXX XXXX because they were sued and found guilty of so many different violations regarding consumers rights. This company has and continues to fail at doing things the right way and I am sick and tired of it. Something needs to be done to keep failing companies like this from abusing people by not following the correct protocols such as the ones I listed above. For them to threaten me for reporting violations they continue to make by stating they will peruse further action due to my " Frivolous '' and multiple complaints is ILLEGAL, uncalled for, and NEEDS TO BE ADDRESSED ASAP.

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