Consumer complaint received 2022-01-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i, XXXX XXXX am Im submitting this complaint myself and and there is no third party involved. XXXX XXXX XXXX, XXXX has continued to contact me presenting me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. XXXX XXXX XXXX, XXXX has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b 2, 15 USC 1692j a, 15 USC 1692e 2A, 15 USC 1692e 7, 15 USC 1692e 8, 15 USC 1692e 10, 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them. 

XXXX XXXX XXXX, XXXX also attempted to act as if my claims of violating my consumer rights under Title 15 Chapter 41 are irrelevant to this situation at hand. This alleged debt was a consumer credit transaction so Title 15 Chapter 41 is very relevant to this situation. XXXX XXXX XXXX, XXXX was also sent a Bill of Particulars, XXXX XXXX XXXX, and Cease and Desist exercising my consumer rights pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to send information that is not sufficient to my request and demands ( which they have already previously been informed that it wasnt sufficient ) and I have viewed this information as an attempt to manipulate me and coerce me into paying an alleged debt that does belong to me nor do I owe. I demanded that XXXX XXXX XXXX, XXXX send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX responses with only half of this requested information which I have construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. Sychrony Bank who sold this alleged debt to XXXX XXXX XXXX, XXXX gave a response that was not sufficient as they did not provide all the information requested above. I have also contacted XXXX XXXX XXXX, XXXX for the above information which I have yet to receive from them also informed me that they are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction. 

XXXX XXXX XXXX, XXXX has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. 

I demanded in writing that XXXX XXXX XXXX, XXXX stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this information. XXXX XXXX XXXX nor Synchrony bank no longer has my written permission to furnishing my report with this false information. 

The United States government created a bond on me which is my birth certificate with which negotiable instruments may be issued, my bond and social security number provided the security interest for the consumer credit transaction with Sychrony Bank. Security which covers all obligations or alleged obligations which is that of the United States government. Pursuant to 31 USC 3718 XXXX XXXX XXXX, XXXX has to have a contract with the Treasury in order to even collect an alleged debt which XXXX XXXX XXXX, XXXX does not have. 

I also informed XXXX XXXX XXXX, XXXX that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file a fault judgement in favor of me, the consumer. As of today XXXX XXXX XXXX, XXXX is in default and the necessary actions are being taken against XXXX XXXX XXXX, XXXX

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