Consumer complaint received 2021-09-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX, XXXX in natural person, consumer and original creditor status MAKE OATH AND SAY THAT ; I sent SYNCHRONY BANK my affidavit of truth saying- This is a communication to cease and desist pursuant to 15 U.S. Code 1692c ( c ) This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly ; It is a fact that I the consumer, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you SYNCHRONY BANK used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the original creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit to SYNCHRONY BANK ; You SYNCHRONY BANK shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that Debt means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You SYNCHRONY BANK sent me a statement showing a positive balance. Of {$1500.00} One can not pay on a positive balance therefore if I owe the debt then it should be a negative balance, Pursuant to federal law that is the false representation on the character amount on legal status of the debt ; so you are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) False and misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.The following conduct is a violation of this section. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt, I the consumer in fact, am writing this letter Disputing any allegations and alleged debts pursuant to 15 U.S. Code 1692e ( 4 ) A statement that if the consumer notifies the debt collector in writing within a 30 day period that the debt or any portion thereof, is dispute Pursuant to 15 U.S. Code 1692e ( 5 ) A statement that, upon the consumers written request, will provide the consumer with the name and address of the original creditor by the debt collector I am requesting that you SYNCHRONY BANK provide me with the name and address of the Original creditor.

Pursuant to 15 U.S. Code 1692h If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such deb
ts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I demand that you return all payments by check to the address on file.

Pursuant to 15 U.S. Code 1692j Furnishing Deceptive Forms It Is Unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other that the creditor of such consumer is participating in the collection of or in attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating You SYNCHRONY BANK are in violation of this section.

Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you SYNCHRONY BANK are stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a Take further notice that after speaking with XXXX from XXXX synchrony bank, he used very obscene and profane language to me, which is a violation Pursuant to 15 U.S. Code 1692d ( 2 ) Harassment Or Abuse A debt collector may not engage in any conduct of which is to harass, oppress, or abuse any person in connection with the collection of the foregoing, the following conduct is a violation of this section : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I hereby Demand! That you SYNCHRONY BANK cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I am invoking my specified remedy as the original creditor. Also pursuant to 15 U.S. Code 1692c ( c ) ( 1 ) I advise that you terminate all further collection efforts.

Take further notice that your failure to follow these laws will result in me invoking specified remedies Pursuant to 15 U.S. Code 1692c ( 3 ). where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Pursuant to 15 U.S. Code 1692k ( A ) ( 2 ) ( A ) Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I Demand that SYNCHRONY BANK mail a check sent to the address on file of no less than {$12000.00} For Violations

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