Consumer complaint received 2022-07-29
Company: SYNCHRONY FINANCIAL
State: AZ
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:
I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by SYNCB/PPC Account # XXXX. SYNCB/PPC closed my account on XX/XX/2021 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/PPC  never informed me of my rights. SYNCB/PPC has the obligation to correct action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX to let SYNCB/PPC know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information " late payments '' on this account. I have tried to explain multiple times to SYNCB/PPC what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. Does SYNCB/PPC know OR care what happens when penalties for not complying with the ECOA happen ? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is SYNCB/PPC appear to be discriminating against me and denying me extending credit i they are also damaging my credit worthiness, there tarnishing my name by furnishing negative information " late payments '' on my consumer report by coercion to pay this alleged debt which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which SYNCB/PPC NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments '' on my consumer report? I don't know maybe coercion, extortion, wanting me to be quiet while I'm being violated and discriminated against I'm not going to be silent anymore or be in fear by them. Also there violating my privacy under the XXXX XXXX ACT by furnishing, spreading, around for profit my NON PUBLIC PERSONAL INFORMATION to non affiliated third parties. And how can SYNCB/PPC say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my account when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so SYNCB/PPC can not use the excuse " the consumers lack of untimely payments '' as reason to close my account. I'm just trying to make it clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a " a drop in a consumers credit score '' is valid reason to deny or cancel a consumers extension of credit. So SYNCB/PPC legally , or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against SYNCB/PPC against me.

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