Consumer complaint received 2021-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: OH

Complaint narrative:
I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor in regards to this account. I am the consumer of the united states have had my consumer rights violated and will be seeking immediate litigation if this issue isnt resolved immediately. I called this company multiple times on a recorded line that I can produced during legal proceedings and spoke with multiple reps who were basically not taking my complaint seriously, I informed them about my right to privacy, and the illegal practices they are engaging which I can seek remedy for due to actual, punitive damages. Two of the reps hung up on me which they aren't allowed to. 
According to 15 usc 1681 The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
This company is reporting unfair, inaccurate, and illegal information to consumer reporting agencies. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( Violation ) law never states that you have to report this information, your rules may or may not state this but it doesn't supersedes law. 
Under 15 usc 1666b A creditor may not treat a payment on a credit card account under an open plan as late for any purpose, ( 4 ) billing error which states creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Credit was extended to me based on my credit card XXXX social security card ) and the statement shows a positive balance when it should show a negative balance if its actually owed. this company is a bank and according to 12 usc 1431 banks are borrowers meaning they can not loan money. With this being said how could i receive a late payment on money that was loaned out to me? ( violation ) You also took cash to create the credit line which is a federal offense. 
I have been directly ( mail ) and indirectly ( consumer report ) contacted by this company in regards to this alleged debt with out written consent for them to contact me which is another federal offense under 15 usc 1692c ( communication in connection with a debt collection ) Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( violation ) Furthermore under ( FDCPA ) 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action. 
LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.

Company response to consumer: Closed with explanation