Consumer complaint received 2022-09-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony / Carecredit - XXXX - {$8000.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to XXXX  XX/XX/XXXX - delivered XX/XX/XXXX ( They have closed the account saying I still have money due ) Account open since XX/XX/XXXX - {$8000.00} limit ( securities = XXXX mths XXXX = {$640000.00} ) Synchrony / Carecredit - XXXX - {$7900.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to XXXX  XX/XX/XXXX - delivered XX/XX/XXXX ( They have closed the account saying I still have money due ) Account open since XX/XX/XXXX - {$8500.00} limit ( securities = XXXX mths XXXX = {>= $1,000,000} ) XXXX XXXX XXXX XXXX - XXXX - {$3000.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to the XXXX  XX/XX/XXXX delivered XX/XX/XXXX ( They have put a temp credit hold on the account ) Account open since XX/XX/XXXX - {$2800.00} limit ( securities = XXXX mths XXXX = {$250000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to the XXXX  XX/XX/XXXX delivered XX/XX/XXXX ( They have closed the account saying payment still due ) Account open since XX/XX/XXXX - {$5200.00} limit ( securities = XXXX mths XXXX = {$500000.00} ) My accounting might be off. 

I have recently come to the knowledge of the fraud that is happening with credit card companies and any " credit type '' accounts. ( Mortgage, Auto Loans, Utilities, etc ) As per 18 U.S. Code Subsection 8 also HJR-192 - All obligations are obligations of the United States XXXX meaning - when the gold was taken away from the people in XXXX, the responsibility of all debts became that of the United States XXXX there is no lawful monies and you can not pay a debt with a debt. To open my accounts- these companies took my signed application- which is a security obligation to the United States. These Securities should be registered with the Federal Register and the tax on them should be paid by the company " offering credits ''. They hold the Securities and try to compel me to to perform. What do they do? They send the bill to " us '' ( the sheeple ) for the taxes due. 

I have opened accounts and been a " good little girl '' and paid every month when a presentment was made- not knowing that the coupon attached at the bottom should have been kept and redeemed. You sign the " coupon '' and send it back with a " tendered payment '' - whether that be cash, check, EBT, bank card. They are getting funds from me AND cashing in on the " coupon '' as well. Isn't this fraud? Pretending to be me and receiving the benefits that should have been transferred over to me. 

Also- they give my information to " credit reporting agencies '' without my signed written consent to do so. Isn't all of this Aggravated ID Theft as well? 

Since I have been reading the laws and getting to know all that has been going on- I have tried to send the coupons back - endorsed as Money Orders. I do not know if I did it correctly because there isn't notes on any of their websites that you can find on how they actually accept them. I have gotten nothing but debt collection calls saying I am overdue or that they don't accept negotiable instruments. All tender is negotiable instruments - how do they not accept them? If I have them endorsed correctly- they should be as good as any Federal Reserve Notes- but even better because they are backed with me as the surety. 

I have sent these all off to the Treasury Department as Accepted for Value- but I believe they are way behind on their mail. I would like some remedy for these accounts 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