Consumer complaint received 2018-11-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear Federal Consumer Protection Agency, the SEC AND the US ATTORNEY GENERAL : SUBJECT : This is a complicated complaint that goes back at least ten years or moree, regarding CONSPIRACY TO DEFRAUD THE PUBLIC BY XXXX COMPANIES AND BACKED BY A RELATIONSHIP WHEREBY XXXX HAS THE ABILITY, TO INFLUENCE CROOKED, BIASED, FAKE INVESTIGATIONS OF DISPUTES BY XXXX XXXX ... WHICH IS INEXCUSABLE ( maybe criminal and or criminally prosecutable AND a WINNABLE CASE, in my opinion?? ). 

If in fact rebate scam system exist, I demand it be fixed and the parties who WERE, ARE AND SELF ENRICHED ON TH EBACKS OF A rebate scam, WILL SAY, IKNEW NOTHING, AND I KNOW NOTYHING BE CLAWED BACK FOR STEALING OR I WILL NOT LET THIS GO UNREPLVED. which generates billions of Dollars in charges and interest income. 

I THINK ANYBODY WHO CAN PROVE THEY WERE rebate scammed BY lowes AND OR WITH XXXX  XXXX AS THE credit CARD ISSUER, SHOULD BE ENTITLED TO ten times, PLUS {$100.00} PUNITIVE DAMAGES, THE original rebate they never got AND THAT MAY SET A PRECEDENT TO STOP ALL REBATE SCAMs, NATIONALLY. 


THIS EMANATED after Lowes used their windows instead in BAIT AND SWITCH TRICK BY XXXX AT XXXX XXXX, NC store in XXXX, NC North CAROLINA, WHICH IS WHY i PROTESTED THE BILL IN XXXX, AND JUST RECENTLY RE-PROTESTED AND REOPEN THE CRIMINALLY CLOSED FRAUDULENTLY ATTEMPTED TO CLOSE, NOT CLOSED ANYMORE CASE, XXXX  XXXX JUST REOPENED, WHICH WAS FRAUDULENTLY perpetrated as a BAIT and Switch scheme to make more money and sell me a non branded product, I did not want, did not ask for and then charge me for poor workmanship and NO-show subcontractors, and scammed regarding my ring doorbell in the Lowes rebate scam system. 

1-SYNCHRONY DECISION IS WEIGHTED AND WAS NEGATIVELY INFLUENCED, by the fact of investigating nothing, ( a provable fact ) AND INFLUENCED IN LOWES FAVOR BY XXXX  XXXX, primarily due to their symbiotic relationship which is criminally influenced by their monetary relationship ( because they don't want to " go against Lowes Customer service from Lowes Executive offices and personnel regarding my almost a YEAR OLD COMPLAINT REGARDING REBATE FRAUD WHICH I ALLEGED WAS PERPETRATED, 100 % knowingly, by the past and present, executive customer service department at Lowes Executive Offices, ALL past and present CFOs, COOs and executive management at owes Companies, started and lead by the CEO who recently retired after 25 years in XXXX, XXXX ; BY XXXX XXXX AND MAINTAINED KNOWINGLY BY THE CEO OF LOWES, XXXX XXXX, WHO I GAVE NOTICE MULTIPLE TIMES IF I COMPLAINED HE SHOULD HAVE ALL REVENUE HE EARNED from stock options, stock warrants for performance and any performance bonuses clawed back as far as the law will ALLOW RETROACTIVELY, WITH A STOP DATE OF XX/XX/XXXX ; ALONG WITH AND ALL SENIOR CFOs, COO< PAST AND PRESENT WHO EXECUTED BUYING AND SELLING STOCK AT ANY TIME WITHIN THIS PERIOD, WHO ALSO PROFITED FORM SCREWING THE PUBLIC IN WHAT I HAVE ACRONYM-ED THE " LOWES NO SERVICE, REBATE SCAM '', FOR PERPETRATING BY DESIGN AND PROFIT MOTIVATED BANK AND CLIENT ORIENTED LACK OF COOPERATION, UNETHICAL ACTIVITY, AND OR CRIMINALLY PROSECUTABLE ... ) LOWES Rebate Scam System is intact, and unfixed, and still ongoing. 

Lowes is still screwing the public in rebates with zero service, everyday., in the IS BLATANT a STRATEGIC ERROR I TRIED TO ASK THEM NICELY.. 

" TO FIX ''. 

I reiterate, THIS EMANATED after Lowes used their windows instead in BAIT AND SWITCH TRICK BY XXXX AT XXXX XXXX, NC store in XXXX, NC North CAROLINA, WHICH IS WHY i PROTESTED THE BILL IN XXXX, AND JUST RECENTLY RE-PROTESTED AND REOPEN THE CRIMINALLY CLOSED FRAUDULENTLY ATTEMPTED TO CLOSE, NOT CLOSED ANYMORE CASE, XXXX XXXX  JUST REOPENED, WHICH WAS FRAUDULENTLY perpetrated as a BAIT and Switch scheme to make more money and sell me a non branded product, I did not want, did not ask for and then charge me for poor workmanship and NO-show subcontractors, and scammed regarding my ring doorbell in the Lowes rebate scam system. 

TO BE CHANGED WITHOUT MY consent and with " NO NOTICE TO ME ''. 

LOWES WAS attempting to be " CHANGING THE TERMS OF THE CREDIT CARD PURCHASE '', ALONG WITH THE REBATE FRAUD THEY PERPETRATED AND EVENTUALITY REMEDIED AFTER asking for Lowes to fix their REBATE SCAM SYSTEM and My rebate they fraudulently advertised AND FRAUDULENTLY DECLINED WITH JUST STATING " MY REBATE CLAIM WAS NOT SUBMITTED PROPERLY ". 

WAIT A MOMENT!! THAT REBATE WAS FILED FOR BY THE STORE EMPLOYEE AT THE TIME OF THE PURCHASE!!! What??!!. Please INVESTIGATE THAT, SPECIFICALLY. 

Their display showed that the XXXX REBATE WAS PART OF THE DEAL!! 
in their store which a Lowes employee filed for me when i bought {$3000.00} worth of appliances in the Lowes XXXX, store, around last year around the end of week of XXXX XXXX ; Even the Lowes employee who filed my rebate for me, in the store at the time of purchase, ( I wanted the FREE RING DOORBELL, for my Flip ) thought it was legitimate. That ; s how good they fooled the public in the LOWES REBATE SCAM SYSTEM of FALSE ADVERTISING. I have photographic proof of this, .. 

That is why you are reading this FEDERAL COMPLAINT now. 

" I ALSO ASKED LOWES TO Please FIX THEIR REBATE FRAUD SCAM AND lOWES REFUSE TO FIX A SCAM. that is a fact, a provable fact ''. 

this was perpetrated, BY XXXX AT LOWES CUSTOMER SERVICE IN LOWES EXECUTIVE OFFICES,, manufactured windows they sued instead ; windows they used and put in sloppily ... OF XXXX WHICH I PERSONALLY NEVER AUTHORIZED PUT THE WRONG WINDOWS IN A HOUSE FLIP I FLIPPED IN XXXX AND XXXX AND ALSO CAUSED ME AND MY COMPANY 42 DAYS OF DELAYS AND COST ME TENS OF THOUSANDS OF DOLLARS AS WELL AS INSTALLING THE WRONG WINDOW WHICH i PROTESTED AND LOWES HAS REFUSE TO TAKE REPREHENSIBILITY FOR, IN A CREDIT CARD SCAM WHEREBY LOWES TOLD SYNCHRONY SHOULD START CHARGING ME INTERESTS IN STEAD OF DOING WHAT WAS LEGAL, ETHICAL AND " THE  RIGHT THING TO DO '' ANY LACK OF SERVICE BY DESIGN ( DESIGNED WITH OBFUSCATION, LYING, NO INVESTIGATING - INVESTIGATED WHEN IN FACT NOT INVESTIGATING, ERRORS, OMISSIONS STRATEGY DESIGNED TO FRUSTRATE REBATE CUSTOMERS FOR SMALL AMOUNTS OF MONEY WHICH CUMULATIVELY EQUALS BILLIONS. WHEN DESIGNED TO XXXX THE PUBLIC WITH REBATE SCAMS NEEDS TO BE ADDRESSES NOW WITH TENACITY SO ALL REBATE SCAMS ARE TERMINATED SINCE THEY ARE RAMPANT AND OFTEN GO UN-PROSECUTED LOWES AND SYNCHRONY BANK NEED TO BE THE LANDMARK CASE ON WHAT " NOT TO DO ANYMORE!!! '' LACK OF SERVICE KNOWINGLY CROOKED REBATE SCAM '' CLAWED BACK AS PUNISHMENT FOR SCREWING THE PUBLIC WITH " no service, service regarding all rebates issued since the year XXXX to the present ( TOADY XX/XX/XXXX ) which i am reporting here and now as whistle blower pursuant to the whistle blower act of XXXX amended in XXXX or XXXX by Congress ) which generates billions of Dollars in charges and interest income.

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