Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is unbelievable. XXXX XXXX XXXX from XXXX XXXX XXXX is now exploiting his position to abhorrently gaslight me, on top of the abusive leapfrog bully tactics he was already committing with his 2023 lawsuit. He's claiming I'm making things up with my " tremendous imagination '' when I claim ( according to him ) my XXXX XXXX XXXX Synchrony account was mysteriously locked on " XX/XX/XXXX. '' Excuse me? I NEVER said my account was locked on XX/XX/XXXX. If XXXX XXXX XXXX were willing to apply some of their actual brains to this case ( a tactic they've been sorely lacking since the very beginning of this entire legal process ), you'll notice what I actually said in my previous CFPB complaint is that my XXXX XXXX was getting repeatedly locked at the beginning of XXXX this year! Everyone involved in this case : PLEASE refer attached e-mail screenshots from XXXX XXXX 's security system. And also please bear in mind : The first time it happened on early XX/XX/XXXX, I reset my account from work that morning to satisfy the request. When it happened at almost the exact same time on XXXX XXXX  EST the next day, I waited over a week before I reset the account again because I was FEARFUL it was just going to keep happening every night! Are you saying I imagined these incidents, when the emails are sitting directly in front of you? This didn't really happen at the beginning of XXXX? I didn't actually have to log in and verify my credentials XXXX days in a row to unlock my account? So XXXX XXXX XXXX is claiming this is just my " tremendous imagination '' making all of this up? As pursuant for CFPB case numbers XXXX and XXXX : I filed these reports to Synchrony and XXXX XXXX XXXX  a week ago because now I'm legitimately struggling to understand who actually, officially owns my defaulted bank account. Is it wholly in XXXX XXXX XXXX 's ownership? Or is it still owned by Synchrony, and XXXX XXXX XXXX  is representing them in an authentic attorney-client relationship? This is where Synchrony and XXXX XXXX XXXX are giving me conflicting answers from XXXX completely different legal universes. This is the primary concern XXXX XXXX XXXX didn't even attempt to answer in his " Duhhhh, you're crazy! '' response he submitted to the CFPB on XX/XX/XXXX. Which, just by itself on paper, I'm pretty sure that's violating some disclosure rights I'm supposed to have when I'm trying to figure out WHAT IS GOING ON WITH MY BANK ACCOUNT! But what I'm REALLY trying to understand here is : Who legally, officially owned my account on the day the collection lawsuit was filed last year? WAS it really Synchrony 's account with XXXX XXXX XXXX acting on their behalf, as XXXX XXXX XXXX so forcefully claimed last year? Or were XXXX XXXX XXXX only the third party owners, and my account was sold or traded to them prior to XXXX, and they FALSIFIED AN ENTIRE LAWSUIT LAST YEAR claiming they were representatives of the original bank? And did XXXX XXXX get fooled by XXXX XXXX XXXX  's false claims last year, and that's a reason that guy won't say a word to me anymore? Is that what's going on here? THIS what I really need to understand about my account! Because IF this is XXXX XXXX XXXX simply saying they're Synchrony 's personal representatives when they're really not, then XXXX : XXXX XXXX XXXX  are the ones here with a " tremendous imagination. '' And more importantly, XXXX : That's fraudulent representation in a legal case they brute-forced through the local XXXXXXXX XXXX XXXXXXXX! I'm still waiting for Synchrony 's official response to this CFPB case. Are they going to tell me there's NOTHING they can say, there's NOTHING they can file, that would stop XXXX XXXX XXXX from attacking and victimizing Synchrony 's ( former ) customers by filing bogus lawsuits where they deceitfully pretend to be Synchrony Bank, the original creditor? Just remember the ugly, confusing, exhausting fight we're all having right now is the legal fight YOU insisted on having with the way you filed the lawsuit! Apparently XXXX XXXX XXXX 's ethical belief is : Just because I'm in debt for corrupt family reasons I can't control and I'm never able to investigate, they need to urgently need to treat me like garbage. I should be allowed to defend myself from you!

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