Consumer complaint received 2022-03-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Synchrony Bank XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX  XXXX XXXX APPLICATION To whom it may concern : I am writing in regards to the previous letter i sent dated XX/XX/XXXX. It was sent via Priority Mail and Certified Letter. The tracking number was XXXX XXXX XXXX XXXX XXXX XXXX. The letter never made it to your facility. 

I recieved a letter dated from you today, XX/XX/XXXX dated XX/XX/XXXX. The rep XXXX XXXX XXXX must have not took any time or due diligence to rectify the issue. In my previous letter I had enclosed a copy of my XXXX Credit Report dated XX/XX/XXXX. I have included another copy in this new letter attached to this CFPB complaint. 
In addition, I spoke to XXXX directly on XX/XX/XXXX and was advised by XXXX that they did not provide you this information regarding my name under my social security number. XXXX, agreed with my findings that there is some mistake on your end. XXXX advised there is nothing to dispute with them at this time because the data points you mention in the letter do not coincide with my credit report. 
I am pursuing you legally in the XXXX XXXX XXXX XXXX XXXX, located in XXXXXXXX XXXX, in XXXX XXXX. 

I am pursing you for negligence to engage in corruption and to obtain falsifying information that you claim is true in a XXXX Credit Report done on XX/XX/XXXX. 

I am pursuing you in the amount of {$370000.00} - You are welcome to settle with me outside of court, and to discuss a monetary value that I will accept. 

The reasons for my actions are due to a denial letter that has listed false, incomplete and non factual data about me that you " claim " you obtained from XXXX. I have included a copy of my credit report from XXXX provided to me by my bank at XXXX XXXX XXXX dated XX/XX/XXXX. The data points you have listed in the denial letter do not come close to or match the data points listed in my credit report. I have also included a 6 month trend of my XXXX XXXX. It was never a XXXX. 

I will be filing a complaint with the XXXX XXXX XXXX XXXXXXXX XXXX, Office of the Comproller, The FTC, and The Consumer Financial Protection Bureau to notify them of XXXX, and your illegal acts. 

The XXXX derogatory item listed on my XXXX Credit Report was from XXXX XXXX in the amount of {$550.00} and was paid off in XXXX thus making this not a recent deliquency. This has not affected me to obtain credit elsewhere. 

I do not have any past due accounts I do not have few accounts reported to the credit bureau - XXXX open accounts, XXXX are closed. 

I expect this to be corrected and to be rectified. I will not accept a response of " theres nothing we can do. " I will not accept a response of " unfortunately, i need to dispute with XXXX " I am holding you accountable for your falsified, kniving, lying tactics you try to play and use with consumers. Please see the attached files. 

Sincerely, XXXX XXXX XXXX CC : XXXXXXXX XXXX  XXXX Attorney XXXX XXXX, Office of the Comproller, The FTC, and The Consumer Financial Protection Bureau

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