Consumer complaint received 2022-11-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
POSTED AT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX Consumer Financial XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX  XXXX Synchrony Financial XXXXXXXX XXXX XXXX  XXXX XXXX , CT XXXX United States XXXX XXXX XXXX XXXX : SYNCHRONY BANK, REPEATED EARNED CREDIT, EXEMPLARY ACCOUNTS, NO NOTICE AND NO REASON, ACCOUNT SEIZURES/CLOSURES MOST RECENT LOWES ACCOUNT EXEMPLARY STANDING OVER TWO YEARS, NEVER MISSED OR LATE PAYMENT, CLOSED OVER {$4000.00} EARNED CREDIT SEIZED, NO LOYALTY REWARDS OFFERED THAT ARE OFFERED TO OTHER CUSTOMERS, XXXX XXXX EXCELLENT STANDING, NEVER LATE OR MISSED PAYMENT, EARNED CREDIT SEIZED, ACCOUNT CLOSED, NO LOYALTY REWARDS OFFERED THAT ARE OFFERED TO OTHER CUSTOMERS, XXXX XXXX NEVER MISSED OR LATE PAYMENT, EARNED CREDIT SEIZED, ACCOUNT CLOSED, NO NOTICE, NO REASON, NO LOYALTY REWARDS OFFERED THAT ARE OFFERED TO OTHER CUSTOMERS, RECENT AMAZON CREDIT REDUCED AFTER OVER 2 YEARS OF AGAIN EXEMPLARY PAYMENT HISTORY, SYNCHRONY BANK REPEATED, UNWARRANTED, AND UNCONSTITUTIONAL PRACTICES Dear XXXX XXXX and CFPB Director : I write this letter with respect to the above repeated discriminatory, unconstitutional, and malicious acts. I seek an end to this. I seek my accounts to be reinstated pursuant to : U.S.A Constitution Fourth Amendment The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized. 

U.S.A Constitution Fourteenth Amendment No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.

It is unlawful to seize ones earned property rights. I earned the credit on each of the above noted accounts, and they were seized without Notice, court order or affidavit. America was built on the Constitution and its purpose was to have laws in place to stop arbitrary and malicious treatment such as seizing ones property, ones money, without Notice, affidavit and court order. I have been denied equal protection of the law, and ask that this unwarranted, damaging, treatment stops. Please reinstate my accounts and make sure these unconstitutional practices are stopped. 

Repeatedly seizing my good-standing credit is in contravention to Synchronys very own loyalty rewards. Please see below. Synchrony Bank penalized me for having multiple exemplary accounts, never late and never missed payments. Synchrony Bank repeatedly seized my earned credit and closed accounts without notice, court or affidavit. This is a betrayal of the above noted 4th and 14th state and federal Constitutional Amendments. 
Why is Synchrony Bank betraying the USA Constitution to assault me? Is this a foreign bank that is an enemy of the Constitution? 

The seizing of each account with no Court Order, No Notice and No Affirmation, was not part of the agreement I contracted for. I did not contract with this bank to be treated like a second-class citizen. Foreign enemies and treasonous entities often implement the above noted treason. All such methods are unlawful. Until you have a court order, a Notice, and an affirmation, you may not seize my property, earned credit that I contracted to use and payback, like I have. I never contracted for any third-party concerns and or for arbitrary treatment. Please fix this. Reinstate my accounts as we contracted or cite what laws the Synchrony Bank credit destroyers/hitmen think gives Synchrony Bank authority to try to override the Supreme laws of the land, rooted in the USA and NY Constitutions seizure and equal protection of the law protections. 

I look forward to being treated, like anyone reading this would like to be treated. Please fix this and reinstate each account that was maliciously and unconstitutionally closed. Please get back to me by XX/XX/XXXX. Thank you. 


Sincerely, XXXX XXXX EXHIBIT 1 WHAT IS THE CRITERIA FOR HAVING MY LOYALTY, MY EXEMPLARY CREDIT HISTORY WITH SYNCHRONY BANK RESPECTED? LOYALTY FOR SOME, NOT ALL. WHAT IS THE CRITERIA? 

Getting to Know You : Driving Loyalty - Synchrony https : //www.synchrony.com gettingtoknowyou Loyalty programs used to be simple. The more customers purchased, the more a company rewarded them. But consumers today expect far more from companies to... 

Much Love for Loyalty Programs- Synchrony https : //www.synchrony.com much-love-for-loyalty-pr... 

XX/XX/XXXX A vast majority of American adults80 percentbelongs to some type of loyalty program, according to a recent Synchrony Financial poll. 

























EXHIBIT 2 XXXXXX/XX/XXXX CREDIT CARD SEIZED, CLOSED, EXCELLENT OVER 2 YEARS HISTORY, NEVER LATE, NEVER MISSED PAYMENT NO NOTICE, NO COURT ORDER, NO AFFIRMATION, PRESERVED AND EARNED {$4800.00} WIPED AWAY WITH NO NOTICE, NO COURT ORDER, AND NO AFFIRMATION, ALL IN VIOLATION OF THE 4TH AND 14TH CONSTITUTIONAL AMENDMENTS. 






















EXHIBIT 3 THE BELOW SHOWS THREE MONTHS OF COMPUTER SABOTAGE. I AM SET UP TO NOT SEE MY ACCOUNTS AND TO NOT MAKE COPIES OF THE BALANCE WHEN PAYING. I HAVE REPORTED THIS AND STILL THE ONLINE ACCESS ACCOUNT SABOTAGE CONTINUES. 


















EXHIBIT 4 THE BELOW SHOWS THREE MONTHS OF COMPUTER SABOTAGE. I AM SET UP TO NOT SEE MY ACCOUNTS AND TO NOT MAKE COPIES OF THE BALANCE WHEN PAYING. I HAVE REPORTED THIS AND STILL THE ONLINE ACCESS ACCOUNT SABOTAGE CONTINUES. 






















EXHIBIT 5 THIS MONTH XX/XX/XXXX AMAZON CREDIT WAS REDUCED FROM $ XXXX TO {$1000.00} WITH NO NOTICE, NO COURT ORDER, NO AFFIRMATION, NOTHING. IN ADDITION, SYNCHRONY BANK STARTED ITS MISSING PAYMENT NONSENSE THIS MONTH. XX/XX/XXXX, XXXX DOLLARS WAS PAID. THE AVAILABLE CREDIT WAS UNCONSTITUTIONALLY PUT AT {$30.00}. XX/XX/XXXX THE AVAILABLE CREDIT WAS PUT TO XXXX AND THE BALANCE DID NOT CHANGE. 





































EXHIBIT 6 BECAUSE OF THE ABOVE ONLINE BANKING SABOTAGE, I COULD NOT PULL UP THE XXXX XXXX AND XXXX XXXX CREDIT CARDS UNCONSTITUTIONAL MONEY SEIZURES AND ACCOUNT CLOSINGS WITH NO NOTICE, NO COURT ORDER, AND NO AFFIRMATION AS REQUIRED UNDER THE CONSTITUTIONAL LAWS WE ARE GOVERNED BY.

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