Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX XXXX ( XXXX minutes ago ) to me RE : Affidavit Of Truth Example of a 15 USC 6802 dispute letter opening : " Dear Consumer Financial Protection I am writing to formally notify you that I believe XXXX XXXX XXXX  have violated my privacy rights under 15 U.S. Code 6802 by disclosing my nonpublic personal information to a nonaffiliated third party without my prior consent. '' This Rescission notice is made pursuant to 15 U.S.C. Code 1635 ( a ), as I was never told i had 3 days to rescind thew agreement. I was never given the notice that comes with all consumer credit transaction. Furthermore, The agent XXXX XXXX XXXX serves as senior vice president, chief financial officer, at Sams Club, a leadership membership warehouse club, I XXXX XXXX as a consumer my rights were violated by Sams Club, claiming that the institution has violated their privacy rights by disclosing their nonpublic personal information to a third party without proper notice or consent, as outlined under 15 U.S. Code 6802 of the Gramm-Leach-Bliley Act ( GLBA ) which governs consumer financial privacy laws ; essentially, the consumer is disputing the unauthorized sharing of their personal financial information. 
Key points about a 15 USC 6802 dispute letter : Purpose : To notify the financial institution that the consumer believes their privacy rights have been violated by sharing their nonpublic personal information without proper authorization.

What it should include : The U.S.C 1611, 6802, Under 15 USC 1611, an obligor has the right to rescind a XXXX. When exercised, this right makes the obligor not liable for any finance or other charge, and any security interest given by the obligor becomes XXXX. The right of rescission expires XXXX years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first, Consumer 's XXXX XXXX i believe in the following : Details about the specific disclosure of information that the consumer believes is a violation,15 USC 78m ( q ) ( 1 ) ( C ) is a section of the United States Code that defines the term " payment '' 1. The term " payment '' means a payment that is made to further the commercial development of oil, natural gas, or minerals, and is not de minimis. It includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits that the Commission determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals and belongs to United States of America. also 1611. Criminal liability for willful and knowing violation.

Section Text Sams willfully and knowingly violated my right by no given full discloser, The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper XXXX. The requirements include disclosure of sources of information and recipients of consumer XXXX. 

( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

XXXX XXXX  ( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. ) Notice that pursuant to XXXX XXXX code XXXX ( b ) : upon receipt of this recission, i am not liable for any finance chargers of other charge, and security intertest become void effective immediately. I would like all and any funds XXXXXXXX XXXX XXXX took from XXXX XXXX XXXX. also, note The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXXXXXX 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. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. 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 non-monetary relief