Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
MISSOURI POWER OF ATTORNEY REVOCATION Use of this form is for the power of attorney of : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other : XXXX, XXXX XXXX hereby immediately revoke those portions covering decisions of the document titled REVOLVING CREDIT CARD, that I allegedly executed on the XXXX of XX/XX/XXXX, which resulted in the appointment of SYNCHRONY BANK as my agent and as my alternate successor agent. I hereby notify said agent ( s ) and any other interested persons and institutions that all portions of said document are revoked. 
I. POWERS BEING REVOKED These are the powers to act on my behalf that have been REVOKED from SYNCHRONY BANK shall NOT have the power to act on my behalf in the following ways. 
_ 1. No Power to Make Payments or Collect Monies Owed.

SYNCHRONY BANK in fact has no power to make any payments on any accounts I may owe and to hold, collect and request any sums that may be due, owing or payable to me or in which I may hereinafter acquire an interest, in whatever form, whether liquidated or un-liquidated, to have, use, and take all lawful means in my name for the collection and recovery thereof, and to adjust, sell, compromise, and agree for the same and to execute and deliver for me, on my behalf, and in my name, all endorsements, releases, receipts, or other sufficient discharges for the same ; _ 2. No Power to Acquire, Lease and Sell Personal Property.

SYNCHRONY BANK in fact has no power to acquire, purchase, exchange, lease, grant options to sell, and sell and personal property, or any interests therein, on such terms and conditions, including credit arrangements ; SYNCHRONY BANK in fact has no power to execute, acknowledge or deliver, under seal or otherwise, any and all assignments, transfers, titles, papers, documents or instruments in connection therewith ; SYNCHRONY BANK has no power to purchase, sell or otherwise dispose of, assign, transfer or convey shares of stock, bonds, securities and other personal property now or hereafter belonging to me, whether standing in my name or otherwise, and wherever situated ; _ 3. No Power to Acquire, Lease and Sell Real Property.

SYNCHRONY BANK in fact has no power to acquire, purchase, exchange, lease, grant options to sell, sell or convey real property, or any interests therein, on such terms and conditions, including credit arrangements of any type. SYNCHRONY BANK in- fact has no power to execute, acknowledge and deliver, under seal or otherwise, any and all assignments, transfers, deeds, papers, documents or instruments in connection with ; _ 4. No Management Powers. SYNCHRONY BANK has no power to maintain, repair, improve, invest, manage, insure, rent, lease, encumber, and in any manner deal with any real or personal property, tangible or intangible, or any interests therein, that I now own or may hereafter acquire, in my name and for my benefit, upon such terms and conditions in connection with ; _ 5. No Banking Powers. SYNCHRONY BANK in fact has no power to open and close accounts, make, receive, and endorse checks and drafts, deposit and withdraw funds, acquire and redeem certificates of deposit, in banks, savings and loan associations, and other institutions, execute or release such deeds of trust or other security agreements as may be necessary or proper in the exercise of the rights and powers herein granted ; _ 6. No Motor Vehicles. SYNCHRONY BANK has no power to apply for a Certificate of Title upon, or endorse and transfer title thereto, for any automobile, truck, pickup truck, van, motorcycle, or other motor vehicle, or to represent in such transfer or assignment that the title to said motor vehicle is free and clear of all liens and encumbrances except those specifically set forth in such transfer or assignment ; _ 7. No Tax Powers. SYNCHRONY BANK in fact has no power to act without imitation on my behalf with regard to federal income taxes ( Forms 1040, 1040EZ, 1040X, etc. ), state and local income taxes, estate, gift ( Form 709 ) or other tax returns of all sorts, whether federal or state and local, including where appropriate joint returns, FICA returns, payroll tax returns, claims for refunds, requests for extensions of time to file returns or pay taxes, extensions and waivers of applicable periods of limitation, protests and petitions to administrative agencies or courts, including the tax court, regarding tax matters, and any and all other tax related documents, including but not limited to consents and agreements under Section 2032A of the Internal Revenue Code or any successor section thereto and consents to split gifts and closing agreements, for all tax periods from 2024 through 2100, and for all jurisdictions ; to complete Internal Revenue Service Form 2848, Power of Attorney and Declaration of Representative ( or other prescribed form ) on my behalf as well as to perform all other functions contemplated by that form whether they are required or merely permissible ; to consent to any gift and to utilize any gift-splitting provisions or other tax election ; or to prepare, sign, and file any claims for refund of any tax ; to post bonds, receive confidential information or contest deficiencies determined by the Internal Revenue Service or any state or local taxing authority ; to exercise any and all elections that I may have under federal, state or local tax laws including without limitation the allocation of any generation skipping tax exemption to which I may be entitled ; to the extent that I may have omitted some power or discretion, some tax period, some form or some jurisdiction, I hereby REVOKE from SYNCHRONY BANK power to amend the Internal Revenue Service form power of attorney ( presently Form 2848 or Form 2848-D ) in my name ; _ 8. No Safe-Deposit Boxes. SYNCHRONY BANK has no power to open or have access at any time or times to any safe-deposit box rented by me or to which I may have access, where so ever located, including drilling, if necessary, and to remove all or any part of the contents thereof, and to surrender or relinquish said safe-deposit box ; and any institution in which any such safe-deposit box may be located shall not incur any liability to me or my estate as a result of SYNCHRONY BANK attempts to exercise this power ; _ 9. No Gift Making Powers. SYNCHRONY BANK has no power to make gifts, grants, or other transfers ( including the forgiveness of indebtedness and the completion of any charitable pledges I may have made without consideration, either outright or in trust to such person ( s ) ( SYNCHRONY BANK ) or organization trying to act as my attorney in fact shall not have to power to, including, without limitation, the following actions : ( a ) transfer by gift in advancement of a bequest or devise to beneficiaries under my will or in the absence of a will to my spouse and descendants in whatever degree ; ( b ) or release of any life interest, or waiver, renunciation, disclaimer, or declination of any gift to me by will, deed, or trust ; _ 10.No Lending and No Borrowing. SYNCHRONY BANK has no power to make loans in my name ; to borrow money in my name, individually or jointly with others ; SYNCHRONY BANK in fact has no power to give promissory notes or other obligations therefor ; or to deposit or mortgage as collateral or for security for the payment thereof any or all of my securities, real estate, personal property, or other property of whatever nature and wherever situated, held by me personally or in trust for my benefit ; _ XXXX. No Contracts. SYNCHRONY BANK has no power to enter into any contracts of whatever nature or kind in my name ; _ 12. No Health Care. SYNCHRONY BANK has no power to take any steps necessary to arrange for my admission to any type of health care facility, including, without limitation, a hospital, rehabilitation facility, skilled nursing facility, or hospice, or to authorize the release of my medical records ever ; _ 13. HIPAA. SYNCHRONY BANK has no power or authority as my personal representative for all purposes of the Health Insurance Portability and Accountability Act of 1996 ( Pub. L. No. 104-191 ) ; _14. No Power to Hire or Pay for Services. SYNCHRONY BANK has no power to retain such accountants, attorneys, social workers, consultants, clerks, employees, workers, or other persons in connection with the management of my property and affairs and to make payments from my assets for the fees of such persons so employed ; _ 15. No Reimbursement. SYNCHRONY BANK has no power to reimburse anyone for any reasonable expenses incurred in connection with such services ; and _ 16. No Power to Sue Third Parties Who Fail to Act Pursuant to Power of Attorney. If any third party ( including stock transfer agents, title insurance companies, banks, credit unions, and savings and loan associations ) with whom SYNCHRONY BANK may try and seeks to transact with refuses to recognize SYNCHRONY BANK as my attorney-in fact who has no authority to act on my behalf pursuant to this Power of Attorney, SYNCHRONY BANK has no power to sue or recover from such third party all resulting damages, costs, expenses incurred because of such failure to act. The costs, expenses, and attorney fees incurred in bringing such action shall be charged to SYNCHRONY BANK.

_17. Other - No Powers to conduct the following. SYNCHRONY BANK has no power, authority or authorization to report any information tied to account # 604419X toanyone ever to include all credit reporting agencies like Experian, Lexis Nexis, Transunion, Equifax or any secondary credit reporting agencies like Early warning Services.

II. INTERPRETATION AND GOVERNING LAW This instrument is to be construed and interpreted as a revocation power of attorney. The enumeration of specific powers herein is not intended to, nor does it, limit or restrict the general powers revoked and not granted to SYNCHRONY BANK. This instrument is executed and delivered in the State of Missouri and the laws of such state shall govern all questions as to the validity of this power and the construction of its provisions. Nevertheless, I intend that this instrument be given full force and effect in any and all SO states or countries in which I may find myself, where I may own property, whether real or personal. I revoke any bond required to give bond and if any bond was required from SYNCHRONY BANK. This revocation takes effect immediately. A photocopy has the same effect as an original.

This revocation was signed the XXXX  of XXXX  2024. Signature of Princi pal 4, ,4..Ll ; ; '1 '' -- -. : :. -- -4'= -- -- -= -- -- --., /II- '' lrTT7I Print Nam -= -- =-Lr.v..x ... .... '' ' -- -_-=e=-=- : :. : ; .. ; : :,.

NOTARY ACKNOWLEDGMENT [ State of XXXX XXXX of XXXX ] The foregoing instrument was acknowledged before me by means ofphysical presence or XXXX online notarization, on this day XXXX, of this ( month ), XXXX, of this ( year ) XXXX, Produced Identification : XXXX. Type of Identification Produced : XXXX  XXXX. 


Acknowledged XXXX : Th M.< ; -til.b.l ) l, d, -1-J.CW -- _ ( Type/Write Name of Notary Public ) ( Signature of Notary Public ) Form 2848 ( Rev. XX/XX/XXXX ) Department of the Treasury Internal Revenue Service Power of Attorney and Declaration of Representative Go to XXXX for instructions and the latest information. 


XXXX XXXX. XXXX For IRS Use Only Received by : Name -- -- -- Power of Attorney Telephone Caution : A separate Form 2848 must be completed for each taxpayer. Form 2848 will not be honored for any purpose other than representation before the IRS.

1 Taxpayer information. Taxpayer must sign and date this form on page 2, line 7. 

Function -- -- - Date I I Taxpayer name and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX hereby appoints the following representative ( s ) as attorney ( s ) -in-fact : 2 Representative ( s ) must sign and date this form on page 2, Part II. Name and address Taxpayer identification number ( s ) XXXX  Daytime telephone number XXXX CAF No. PTIN Telephone No. Fax No. 




Plan number ( if applicable ) Check if to be sent copies of notices and communications Name and address Check if to be sent copies of notices and communications Name and address ( Note : IRS sends notices and communications to only two representatives. ) Name and address ( Note : IRS sends notices and communications to only two representatives. ) Check if new : Address D Telephone No. D Fax No. D CAF No. PTIN Telephone No. Fax No. 
Check if new : Address D XXXX XXXX. D Fax No. D CAF No. XXXX XXXX XXXX. 
Fax No. 
Check if new : Address D XXXX XXXX. D Fax No. D CAF No. XXXX XXXX XXXX. 
Fax No. 
Check if new : Address D XXXX XXXX. D Fax No. D to represent the taxpayer before the Internal Revenue Service and perform the following acts : 3 Acts authorized ( you are required to complete line 3 ). Except for the acts described in line 5b, I authorize my representative ( s ) to receive and inspect my confidential tax information and to perform acts I can perform with respect to the tax matters described below. For example, my representative ( s ) shall have the authority to sign any agreements, consents, or similar documents ( see instructions for line 5a for authorizing a representative to sign a return ).

Description of Matter ( Income, Employment, Payroll, Excise, Estate, Gift, Whistleblower, Practitioner Discipline, PLR, FOIA, Civil Penalty, Sec. 
4980H Shared Responsibility Payment, etc. ) ( see instructions ) Tax Form Number ( 1040, 941, 720, etc. ) ( if applicable ) Year ( s ) or Period ( s ) ( if applicable ) ( see instructions ) 4 Specific use not recorded on the Centralized Authorization File ( CAF ). If the power of attorney is for a specific use not recorded on CAF, check this box. See Line 4. Specific Use Not Recorded on GAF in the instructions. D 5a Additional acts authorized. In addition to the acts listed on line 3 above, I authorize my representative ( s ) to perform the following acts ( see instructions for line 5a for more information ) : D Access my IRS records via an Intermediate Service Provider ; D Authorize disclosure to third parties ; D Substitute or add representative ( s ) ; D Sign a return ; D Other acts authorized : For Privacy Act and Paperwork Reduction Act Notice, see the instructions. Cat. No. 11980J Form 2848 ( Rev. 1-2021 ) Form 2848 ( Rev. 1-2021 ) Page2 b Specific acts not authorized. My representative ( s ) is ( are ) not authorized to endorse or otherwise negotiate any check ( including directing or accepting payment by any means, electronic or otherwise, into an account owned or controlled by the representative ( s ) or any firm or other entity with whom the representative ( s ) is ( are ) associated ) issued by the government in respect of a federal tax liability.

List any other specific deletions to the acts otherwise authorized in this power of attorney ( see instructions for line 5b ) : 6 Retention/revocation of prior power ( s ) of attorney. The filing of this power of attorney automatically revokes all earlier power ( XXXX ) of attorney on file with the Internal Revenue Service for the same matters and years or periods covered by this form. If you do not want to revoke a prior power of attorney, check here. D YOU MUST ATTACH A COPY OF ANY POWER OF ATTORNEY YOU WANT TO REMAIN IN EFFECT. 

7 Taxpayer declaration and signature. If a tax matter concerns a year in which a joint return was filed, each spouse must file a separate power of attorney even if they are appointing the same representative ( s ). If signed by a corporate officer, partner, guardian, tax matters partner, partnership representative ( or designated individual, if applicable ), executor, receiver, administrator, trustee, or individual other than the taxpayer, I certify I have the legal authority to execute this form on behalf of the taxpayer.

IF NOT COMPLETED, SIGNED, AND DATED, THE IRS WILL RETURN THIS POWER OF ATTORNEY TO THE TAXPAYER.

t-0 : k.tli..

Oat Title ( if applicable ) Print name Print name of taxpayer from line 1 if other than individual Declaration of Representative Under penalties of perjury, by my signature below I declare that : I am not currently suspended or disbarred from practice, or ineligible for practice, before the Internal Revenue Service; I am subject to regulations in Circular 230 ( 31 CFR, Subtitle A, Part 10 ), as amended, governing practice before the Internal Revenue Service; I am authorized to represent the taxpayer identified in Part I for the matter ( s ) specified there ; and I am one of the following : a Attorney-a member in good standing of the bar of the highest court of the jurisdiction shown below.

b Certified Public Accountant-a holder of an active license to practice as a certified public accountant in the jurisdiction shown below.

c Enrolled Agent-enrolled as an agent by the IRS per the requirements of Circular 230.

d Officer-a bona fide officer of the taxpayer organization .

e Full-Time Employee-a full-time employee of the taxpayer.

f Family Member-a member of the taxpayer 's immediate family ( spouse, parent, child, grandparent, grandchild, step-parent, step-child, brother, or sister ).

g Enrolled Actuary-enrolled as an actuary by the Joint Board for the Enrollment of Actuaries under 29 U.S.C. 1242 ( the authority to practice before the IRS is limited by section 10.3 ( d ) of Circular 230 ).

h Unenrolled Return Preparer-Authority to practice before the IRS is limited. An unenrolled return preparer may represent, provided the preparer ( 1 ) prepared and signed the return or claim for refund ( or prepared if there is no signature space on the form ) ; ( 2 ) was eligible to sign the return or claim for refund ; ( 3 ) has a valid PTIN ; and ( 4 ) possesses the required Annual Filing Season Program Record of Completion ( s ). See Special Rules and Requirements for Unenrolled Return Preparers in the instructions for additional information.

k Qualifying Student or Law Graduate-receives permission to represent taxpayers before the IRS by virtue of his/her status as a law, business, or accounting student, or law graduate working in a LITC or STCP. See instructions for Part II for additional information and requirements.

r Enrolled Retirement Plan Agent-enrolled as a retirement plan agent under the requirements of Circular 230 ( the authority to practice before the Internal Revenue Service is limited by section 10.3 ( e ) ).

IF THIS DECLARATION OF REPRESENTATIVE IS NOT COMPLETED, SIGNED, AND DATED, THE IRS WILL RETURN THE POWER OF ATTORNEY. REPRESENTATIVES MUST SIGN IN THE ORDER LISTED IN PART I, LINE 2.

Note : For designations d-f, enter your title, position, or relationship to the taxpayer in the " Licensing jurisdiction '' column.

Designation- Insert above letter ( a-r ). Licensing jurisdiction ( State ) or other licensing authority ( if applicable ) Bar, license, certification, registration, or enrollment number ( if applicable ) Signature Date Form 2848 ( Rev. 1-2021 )

Company response to consumer: Closed with explanation