Consumer complaint received 2021-09-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered a consumer credit transaction with PayPal ( " Synchrony Bank '' ) on XX/XX/XXXX. I investigated and found fraud and several violations committed by PayPal ( Synchrony Bank ). A consumer credit transaction in which finance charged was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction the finance charge does not include cash, Synchrony Bank ( Pay Pal ) in fact took electronic cash from me as monthly payments as shown in Exhibit F. 15 USC 1666d ( b ) states Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer. Synchrony Bank ( Pay Pal ) in fact produced false and misleading statements that I owe the alleged debt on a positive balance due, Synchrony Bank ( Pay Pal ) has failed to provide me with a credit to my account and has failed to make a good faith effort to refund to me by cash, check, or money order any part of the amount of the credit balance remaining as shown in Exhibit A and Exhibit F. 15 USC 1692c ( c ) ; ceasing Communication if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Synchrony Bank ( PayPal ) in fact continues to communicate with me after Synchrony Bank ( Pay Pal ) acknowledged on XXXX XXXX XXXX stating the account was not previously coded for cease and desist as shown in Exhibit D. Also, Synchrony Bank ( PayPal ) stated in Exhibit D they plan to continue to send me future communications as shown in Exhibit B and C. 15 USC 1692d ( 1 ) ; the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Synchrony Bank ( Pay Pal ) in fact has sabotaged my reputation by threatening to report as shown in Exhibit A and is reporting fraudulent and delinquent information to third parties as shown in Exhibit E. 15 USC 1692d ( 2 ) ; a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Synchrony Bank ( Pay Pal ) in fact has harassed and abused me in connection with collection of the alleged debt by using obscene language as shown in Exhibit A and Exhibit B. 15 USC 1692e ( 2 ) ( A ) ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The false representation of ( A ) the character, amount, or legal status of any debt. Synchrony Bank ( Pay Pal ) in fact has provided me with a false representation on the amount of the alleged debt as shown in Exhibit A. 15 USC 1692e ( 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. Synchrony Bank ( Pay Pal ) in fact has provided me with false and deceptive statements in connection with the collection of the alleged debt as shown in Exhibit A. 15 USC 1692f ( 1 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Synchrony Bank ( Pay Pal ) in fact attempts unfair debt collection monthly as shown in Exhibit A and Exhibit F. 15 USC 1692f ( 7 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ( 7 ) Communicating with a consumer regarding a debt by post card. Synchrony Bank ( Pay Pal ) in fact has communicated with me regarding the alleged debt by post card as shown in Exhibit C. 15 USC 1692f ( 8 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Synchrony Bank ( Pay Pal ) in fact uses a symbol other than the debt collectors address and it indicates that Synchrony Bank ( Pay Pal ) is in the debt collection business on an envelope when communicating with me via physical mail and telegram ( e-mail ) as shown in Exhibit B and Exhibit C. 15 USC 1692h ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer. Synchrony Bank ( Pay Pal ) in fact has applied such payments to the alleged debt / disputed by me as shown in Exhibit A and Exhibit XXXX I have disputed the alleged debt since XX/XX/XXXX, as shown in Exhibit XXXX In addition, Synchrony Bank XXXX Pay Pal ) has failed to apply such payment in accordance with my directions as shown in Exhibit XXXX The following attachments were received by Pay Pal Synchrony Bank : Affidavit of Truth, Invoice, Cease and Desist Letter, Exhibit A, B, C, D, E and F on XX/XX/XXXX. Synchrony Bank has failed to provide me with a response to the Affidavit of Truth and continues to commit the violations mentioned above. I will also attach the return receipt signed by a Pay Pal Synchrony Bank employee and the certified mail receipt I receive from USPS.

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