Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2022, I sent a Validation of Debt to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit B ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per USPS tracking [ Exhibit C ]. The C.F.O. for SYNCHRONY BANK failed to respond to the Validation of Debt Letter via a commercial affidavit under penalty and perjury by certified mail within ten ( 10 ) days from the date of receipt of receiving the letter [ Exhibit C ]. The C.F.O. for SYNCHRONY BANK, failed to clearly and explicitly provide me with the specific demands in the Validation of Debt Letter. A representative for SYNCHRONY BANK responded with statements which, pursuant to federal law, does NOT validate debt. No where in the law does it state that statements validate a debt. Moreover, if we want to get more technical, pursuant to federal law, a LAWFUL contract is : A Valid Offer, Adequate Consideration- must be TANGIBLE consideration, Valid Acceptance, Sound Mind/Mental Clarity and Meeting of the Minds + Wet Ink Signature ( both parties ). There is no way that SYNCHRONY BANK can provide that proof because I have never met in person with the C.E.O. to discuss any alleged contract. This then provides proof that I never signed any alleged contract agreement in wet ink and neither did the C.E.O. for SYNCHRONY BANK. Furthermore, on XX/XX/2022, I sent a Cease and Desist Letter to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit A ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per USPS tracking [ Exhibit C ]. The C.F.O. for SYNCHRONY BANK breached the cease and desist orders by contacting me after the fifteen ( 15 ) days from the date of receipt of receiving the letter violating 15 USC 1692c ( c ) [ Exhibit C, Exhibit I, and Exhibit L ]. SYNCHRONY BANK proceeded to create a new account without my written instruction or authorization. This is unauthorized use of my social security number and unlawful. I did NOT and continue to NOT consent to any and all contract agreements in regards to the new account. I am not liable to pay a debt on an account I did not give written consent to open [ Exhibit G ]. Speaking of payment, pursuant to 18 USC 8, it explicitly states the obligations of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX  XXXX XXXX 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. It is the US Fiduciary Obligation to pay the debt. With that being said, I owe SYNCHRONY BANK nothing, making all statements, emails and letters from SYNCHRONY BANK stating I owe a debt are invaild, billing errors, harassment, fraudulent, and false and deceptive forms. They are all fraud in the inducement. I am well aware that credit is the right granted by a creditor to defer payment of debt or to incur debt and defer its payments- pursuant to 15 USC 1602 ( f ). In conjunction, I am also well aware pursuant to 15 USC 1602 ( g ), creditor refers only to a person, meaning not the organization but only a NATURAL PERSON, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property and services payable by agreement. As Ive already mentioned, pursuant to 12 USC 1431, the powers and duties of banks are to borrow and give security therefore and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. No where in the law does it state that banks have the power to loan money out or extend credit. I am aware that I am the Original Creditor pursuant to 15 USC 1602 ( g ), and I extended credit via my social security card. Furthermore, only the Original Creditor can validate a debt, therefore any claim that SYNCHRONY BANK validated a debt is FALSE, as they cant. Only I can because I am the Original CreditoXXXX. UNLESS SYNCHRONY BANK can provide the LAWFUL ORIGINAL CONTRACT stating I agreed to pay the debt with my signature in wet ink, the claims made by SYNCHRONY BANK are false- which SYNCHRONY BANK failed to do in response to the Validation of Debt Letter sent on XX/XX/2022, sworn and notarized Affidavit of Truth sent on XX/XX/2022, and Notice of Fault and Opportunity to Cure Letter sent on XX/XX/2022. With that all being said, ANY credit agreement is null and void as it is not a LAWFUL contract/agreement as it does not state the accurate creditor to whom the debt is owed or the identity of the original creditor which is false and misleading representation/identity theft, violating 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 2 ) ( B ), 15 USC 1692e ( 10 ), 15 USC 1692f, 15 USC 1692j and also 15 USC 1602 ( k ) of the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). All credit reporting is also incorrect and a violation of 15 USC 1692e ( 8 ) of the FDCPA. Moreover, on XX/XX/2022, I sent a sworn and notarized Affidavit of Truth and Invoice in the amount of {$23000.00} to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit N ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per the date stamped on the return slip [ Exhibit N ]. The C.F.O. for SYNCHRONY BANK, failed to lawfully rebut the Affidavit of Truth within ten ( 10 ) days via another affidavit rebutting all violations stated. Pursuant to the laws of Commerce, an unrebutted affidavit stands as truth. Therefore, the C.F.O. for SYNCHRONY BANK, consents to all judgements made and is liable to compensate me for all violations stated via the amount stated in the invoice of {$23000.00}. On XX/XX/2022, I sent a Notice of Fault and Opportunity to Cure Letter to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit O ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per USPS tracking [ Exhibit O ]. The C.F.O. for SYNCHRONY BANK failed to cure their faults within ten ( 10 ) days via a commercial affidavit to validate the alleged debt and another affidavit to lawfully rebut all violations stated in the Affidavit of Truth. The failure to cure and honor their faults places the C.F.O. for SYNCHRONY BANK in DEFAULT. The C.F.O. for SYNCHRONY BANKs failure to cure their faults also means the C.F.O. for SYNCHRONY BANK willfully and knowingly violated my federally protected rights and consented to all judgements made by the Affidavit of Truth. The C.F.O. for SYNCHRONY BANK is liable to compensate me for the violations committed stated in the Affidavit of Truth, as well as any accumulated additional violations committed since. This amount is stated in the Bill of Particulars [ Exhibit P ]. As a last measure to stay in honor with federal law, I sent the C.F.O for SYNCHRONY BANK a notarized Notice of Default and Consent to Judgment Letter on XX/XX/2022, received on XX/XX/2022 [ Exhibit P ]. I provided the C.F.O. for SYNCHRONY BANK the opportunity to cure by default by completing all of the following actions within ten ( 10 ) days from receipt of receiving the notice. SYNCHRONY BANK failed to do so. Lastly, I sent a Certificate of Notary of Dishonor and Non-Response Letter and put all of my claims thus far on the record with a witness- which was sent to CFO for SYNCHRONY BANK, and received on XX/XX/2022. I received the letter labeled Exhibit R in response. As you can see, this letter from XXXX XXXX of the Office of the President, is not in the form of a commercial affidavit signed under penalty and perjury. Therefore, this response is unlawful and no claims made are interpreted as Truth. Furthermore, I continue to be sent statements in the mail for this fraudulent account in question- which is a result of mail fraud and a criminal violation of 18 US 1341 [ Exhibit Q and Exhibit S ]. This is harming my reputation and causing my life so much mental, emotional, and financial distress. I have done all there is to stay in honor in alignment with federal law and SYNCHRONY BANK continues to violate my federally protected consumer laws under 15 USC Chapter 41. I have given SYNCHRONY BANK ample opportunities to provide proof of claims and they have failed to do so. As you have read, I put my entire process on the record via the XXXX XXXX of XXXX and XXXX.

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