Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I sent them a notice of legal tender and notice of presentment along with the remittance coupon which is a bearer security it was accepted for deposit and it was payable to bearer payable on demand and had a special and qualified indorsement without recourse. They then discriminated against me closed my account then proceeded to harass me for the last few months and even sent me an irrelevant written correspondence in complete dishonor from a employee named XXXX claiming that it was worthless paper, and that if I send them they could get lost basically stating they were gon na keep stealing and keeping my valuable negotiable instruments while claiming I still owe a debt and when its well known the whole financial system runs off commercial paper ie negotiable instruments which are debt notes. They were then served a notice of default and opportunity to cure and a billing error as follows *Certified mail # XXXX XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX, *In regards to your company 's DEFAULT OF First Certified Mailing # XXXX XXXX XXXX XXXX, which contained A registered Security, a notice of tender and notice of XXXX presentment that was received at your XXXX location XXXX XXXX XXXX, via confirmation PS form XXXX Signed By your Agent XXXX XXXX XXXX  on XX/XX/XXXX. SPECIFICALLY MENTIONED IN FIRST CORRESPONDENCE ; Please note if you do not return the presentment from Principal within fifteen ( 15 ) days of the date of receipt, then we are in agreement that the bill has been paid in full. 
The Instrument was neither Returned or Dishonored nor applied to set off/ discharge the debt in Accordance with The Uniform Commercial Code refusal is discharge. XXXX XXXX XX/XX/XXXX RE : Billing Error ( For past current and present ) Greetings, It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word " account '' refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which : ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor is generally made available to the extent that any outstanding balance is repaid You have been requiring Federal Reserve notes as payment , when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, a SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement. 
Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ).

SYNCHRONY BANK has violated my federally protected consumer rights. 
Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Furthermore an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credit by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement.

This is your opportunity to cure as well as your notice of default for the servicing of the aforementioned account # XXXX XXXX XXXX XXXX. " You '' meaning ( SYNCHRONY BANK ) and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing. 

Respectfully, _____________________ XXXX : XXXX, Attorney in Fact UCC XXXX XXXX prejudice

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 non-monetary relief