Consumer complaint received 2023-06-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am natural person and consumer submitting this complaint in response to an unfair adverse action letter ( exhibit 1 ), as advertisement, without the aid of an attorney. I received an adverse action letter dated XXXX XXXX, 2023 in response to a request of a consumer financial product referred to as TJX rewards Card issued by assigned creditor Synchrony Bank alleging disapproval of my extension of credit request. 
The alleged reason states Prior unsatisfactory obligation with Synchrony Bank. The letter included no proof of claim to justify the adverse action or alleged obligation with Synchrony Bank and is unfair, deceptive and discriminatory against my good faith reliance of the disclosure provided in letter of my right under the Equal Credit Opportunity Act. 
I suspect that it is an inadvertent error or mistaken identity and demand pursuant to the Fair Debt Collection Practices Act proof of claim of the alleged obligation/loss/deficit/debt balance for validation of the alleged debt and verification under oath provided by an authorized officer of Synchrony Bank having first hand knowledge who can testify to the asserted claim. 
Should Synchrony Bank authorized officer upon receipt of this complaint refuse of fail to comply with verification of the alleged obligation under penalty of perjury within 30 days. Synchrony agrees to waive any rights, or alleged claims and shall terminate all collection efforts illegally impairing the credit decision. Synchrony Bank also agrees cease and desist such frivolous claim. Proof of claim is accepted via mail to the applicant address. 
Notice is hereby given that I revoke authorization of any communication by use of AI technology and by electronic agents. I revoke authorization of any credit decision based on consumer reports or income as the labor of a human being is not a commodity or article of commerce. 
Further notice is hereby given to Synchrony Bank as you are using the social security account number on my authority as card issuer necessary to guarantee, insure, or provide security for the credit as prepayment of the finance charge required to be disclosed in accordance to the Truth in Lending Act, please take note on the behalf of the United States, you acknowledge and agree that I have authority to bind your business or entity and that such business or entity accepts these terms. The note is not under a negotiable instrument anymore, it is a security. An individual must not be denied any right, benefit, or privilege provided by law by a component because of such individual 's refusal to disclose their Social Security number in compliance standards of the enumerated consumer laws, specifically, Fair Debt Collection Practices Act, the Fair Credit Billing Act, Truth in Lending Act and the Fair Credit Reporting Act and the Consumer Fraud and Deceptive Business Practices Act. The term " advertisement '' includes the attempt by publication, dissemination, solicitation or circulation to induce directly or indirectly any person to enter into any obligation or acquire any title or interest in any merchandise and includes every work device to disguise any form of business solicitation by using such terms as " renewal '', " invoice '', " bill '', " statement '', or " reminder '', to create an impression of existing obligation when there is none, or other language to mislead any person in relation to any sought after commercial transaction.

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