Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I XXXX XXXX XXXX had sent a 2 payment by conditional acceptance payment for SYNCHRONY BACK account XXXX for the amounts of {$1700.00} and. {$1400.00}. The payment was in the form of accepting the remittance lower part of the statement by accepting the credit or presentment turn it what is called bill of exchange as negotiable instruments to discharge the balance of the credit card ending in XXXX. Under HJR XXXX Congress gave remedy to discharge out debt by creating negotiables instrument since there is no lawful money to pay with. XXXX XXXX gave the people provision to pay every obligation by ARTICLE XXXX XXXX that all negotiable instrument as currency. Congress made the people act as pirate bankers to write out negotiable bills to discharge debt obligation black law dictionary 5 th edition page 133, defines banking. The Federal U.S. courts states that you are no longer to pay with legal tender notes or federal reserve notes. the Money is limited to legal tender is NOW rejected meaning the FRN is not a form of discharging the debt or payment of a debt. XXXX XXXX XXXX XXXX XXXX vs. XXXX, XXXX XXXX XXXX ( XXXX ), a Federal US court of appeals ruled on Title 31 USC 5118. As of XX/XX/XXXX, Federal Reserve Notes legal tender for discharge of debt is no longer required. XXXX. The giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX. XXXX. The use of a ( federal reserve ) 'Note ' is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. XXXX. XXXX XXXX ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v XXXX, XXXX S.W. XXXX. XXXX. That ( federal reserve ) 'Notes do not operate as payment ' XXXX XXXX XXXX. XXXX v XXXX, XXXX S.E. XXXX XXXX. XXXX. Federal Reserve Notes are valueless. See IRS XXXX XXXX XXXX ( XXXX ) C.C.H. ). These are XXXX and XXXX. Laws and regulations under federal reserve regulations. FRN is only used in the medium of exchange for goods and service at the time of payment or transactions. Under the provisions XXXX XXXX XXXX XXXX passed this law so you can use negotiable instrument to discharge debt by using exempt account. This is only way to discharge debt or off set the balance. a commercial presentment under section 3-501 ( 1 ) Unless excused ( section 3-511 ) presentment is necessary to charge secondary parties as follows : ( a ) Presentment for acceptance is necessary to charge the drawer and endorsers of a draft where the draft so provides or is payable elsewhere than at the residence or place of business of the drawee, or its date of payment depends upon such presentment. The holder XXXX XXXX XXXX may have the option present for acceptance any other draft payable at a stated date for payment on the due date which by law should be posted no later than 2am the following day it the law. SYNCHRONY BANK had 72-hour rule to not accept the contract and return all payments to the sender which the failed to do. According to law SYNCHRONY BANK never put FRN or currency into circulation and SYNCHRONY BANK can not ask for payment by currency since the loan was not made at all. HERE IS THE CODES to back my claim / USC 31 3121 PAYMENT OF OBLIGATION / 31 USC 5103 COMMERCIAL INSTRUMENT IS LEGAL TENDER /. 31 USC 5115 COMMERCIAL INSTRUMENT ARE LEGAL TENDER FOR PAYMENT OF DEBT. / HJR 192 PUBLIC POLICY 73-10 PASS BY CONGRESS XX/XX/XXXX, SYNCHRONY BANK has accepted the legal notice conditional acceptance agreement and the payments which they have gave credit on the account ending XXXX and now they are by denying payment with no official document of the laws and reason why the payment is denied. SYNCHRONY BANK had accepted the payments and posted as payments was made. SYNCHRONY BANK reflects the activities but the balance and the credit was available and the credit limit did not match and it does not balance. I and my husband brought this up to there attention but still remain not equaling the out and does not make any since. I XXXX XXXX XXXX paid with negotiable instrument which I had put my signature and my exempt trust account on the back of the remittance which is a actual cash coupon. it was a cash coupon. In U.C.C. article 3 all negotiable instrument act as money or actual cash value. SYNCHRONY BANK did recieved actual cash value payments SYNCHRONY BANK I have ask for my negotiable instrument which I have my signature and my ss trust account on the payments which is my property to please send them back, but never did. I ask for a official letter. SYNCHRONY BANK kept the negotiable instrument because it was a cash money order and they know there is no way to proof such a transaction would be back up by a bank. IT WAS A ACTUAL CASH VALUE PAYMENT JUST LIKE CASH. the payment is the receipt of a cash payment was made. I have proof that the actual cash value money order was accepted and delivered by the XXXX with the tracking number and the form 3811 form which was signed SYNCHRONY BANK insists on saying its companys policys not to accept the form these form of payment, but company 's policies are not laws and using their policy to void there obligation to accept any payment by a negotiable instrument. SYNCHRONY BANK is racketeering activates under 18 USC 1961 SYNCHRONY BANK IS IN VIOLATION BY FEDERAL LAW WHICH CLEARLY STATE BY THE NATIONAL BANKS CAN NOT LEND ITS CREDIT. XXXX XXXX. In XXXX XXXX XXXX XXXX vs. XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX, ( XXXX ), it was stated, " It has been settled beyond controversy that a national bank, under Federal law, being limited in it's power and capacity, can not lend it's credit by guaranteeing the debt of another. In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and XXXX Bank XXXX XXXX XXXX Bank, XXXX F XXXX XXXX, XXXX XXXX. " A national bank has no power to lend its credit to any person or corporation ... XXXX v. Needles Nat. Bank, XXXX F XXXX XXXX XXXX XXXX, XXXX denied in XXXX s.ct XXXX, XXXX XXXX XXXX, XXXX LED XXXX. The payment sent. the laws and legal tender are no longer to be used to pay debt with. this is my complaint and the laws which is backing up my claims XXXX XXXX REFUSE TO RECONGIZED THE LAWS GIVEN BY A LETTER THAT WAS SENT WITH THE PAYMENT.SYNCHRONY BANK has kept my negotiable instrument as payment which is became a asset as cash. The negotiable I instrument is my property and SYNCHRONY BANK never sent them back nor a official letter of the laws backing up their denial for payment. SYNCHRONY BANK is asking for payment in a form of FEDERAL RESERVE NOTE and the court has rule tha FEDERAL RESERVE NOTE was rejected a legal tender and you can not use to pay any debt. THERE IS ONLY TO DISCHARGE DEBT ONLY UNDER THE XXXX XXXX which CLEARLY SYNCHRONY BANK REFUSES TO ACCEPT. THE LAW IS THE LAW AND COMPANIES POLICY ARE NOT EQUITY LAWS UNDER U.S.C. AND U.C.C. CODES which is the laws to make payment. SYNCHRONY BACK IS CLEARLY ACTING IN BANK FRAUD and there is only proof by the laws. question for SYNCHRONY BANK IF THE LAWS STATE BANKS CAN NOT LEND THEIR CREDIT WHOS CREDIT ARE THE LENDING AND THE FEDERAL COURT STATED IN THE RULING ON OCT 27, 1977 TENDER PAYMENT IS REJECTED. PLEASE TELL M HOW TO MAKE A PAYMENT. NOTE TELL ME BY LAW AND. FEDERAL RESERVE NOTE ARE ONLY PAYMENT AT THE TIME OF THE TRANSACTION. READ THE LAW OR COURT CASES. [ [ [ [ It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' XXXX and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX SC XXXX, XXXX XXXX XXXX ( XXXX ). ] ] ] ... checks, drafts, money orders, and bank notes are not lawful money of the United States ... '' State v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

[ [ [ It has been settled beyond controversy that a national bank, under federal XXXX being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' XXXX and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX SC XXXX, XXXX XXXX XXXX ( XXXX ). 
... checks, drafts, money orders, and bank notes are not lawful money of the United States ... '' State v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. ] ] ] ] SYNCHRONY BANK IS COMMITTING BANK FRUAD.

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