Consumer complaint received 2024-07-21 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:
I have to send this copy of this complaint separately to Synchrony. I was so frustrated when I was filling out the form a couple minutes ago, I forgot to click the " Automatically send Synchrony a copy '' checkbox. This is exactly what I just wrote to the CFPB regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX representatives are further misusing the CFPB system with more dishonesty and victim-blaming, where theyre now saying Im being slanderous in my reports. This has truly gone beyond belief. Apparently, in the backwards and wildly manipulative thinking of XXXX & XXXX, its perfectly fine how they filed false CFPB responses last year saying they had to sue me because I stopped paying my debt, when they keep attaching their own evidence that shows I WAS making partial, infrequent payments up to their lawsuit ( CFPB and Synchrony : Please see attached ). I even stated at the very beginning of my original XXXX complaint that I was making partial payments to keep the account alive for Synchronys benefit ( CFPB : Please see attached ). And XXXX & XXXX thinks the entirety of their response to case number XXXX is perfectly fine. ( Thats the one where they hardly answered a single thing I was actually saying, and then came back with a belligerent caveman-bashing-a-club response. Where they accused me of making things up with my imagination, which carelessly contradicted part of Synchronys explanation they had already filed about my account being locked on case number XXXX, while XXXX & XXXX claimed things I NEVER said! ) The only slander, if any, I see throughout this entire case are the routinely dishonest and instigative responses provided by XXXX XXXX and XXXX XXXX. All Im doing is expressing justified anger since this company insists on legally attacking, bullying, and lying about me without a care in the world. In regards to the payments I DIDNT stop making in early XXXX : If XXXX & XXXX ever wanted to slow down in XXXX and have an honest conversation about how I wasnt paying them enough, or I should be paying more often, thats a completely different scenario. But whatever statements they made ( or continue to make ) that claims or suggests that their adversarial legal attack had to happen RIGHT NOW because I completely stopped paying them are deceptive and untrue, and their whole lawsuit process amounts to a dishonest bully attack. How many times are we going to loop through this, and how many new infractions are you going to keep piling on what youve already done wrong, before you step back and realize to yourselves : You are LYING! There was no justification to SUE ME the way you did! And now XXXX & XXXX is making implied threats with the judgment they gained through unfair brute-force tactics, like the XXXX they randomly filed in XXXX this year. Thats at the core of this whole argument : Their XXXX actions will NEVER be Okay, since they were never honest to begin with! And none of these problems have been ever been addressed or resolved at a legal trial, since XXXX XXXX came in at the last second to make sure THERE WAS NO TRIAL in XX/XX/XXXX! Now to address some of the current conflicts from the most recent CFPB exchange ( XXXX ). XXXX XXXX states : " XXXX XXXX has reverted back to claiming that his account has been assigned. '' YES! Because XXXX trying go off what XXXX XXXX told me in previous CFPB responses. And to remind everyone AGAIN, it took 2-3 filed reports just to get anyone to answer the question Wait a second. Who owns my account right now? On case number XXXX, Synchrony themselves specifically stated Account no longer with Synchrony Bank XXXX but XXXX XXXX has been adamant Synchrony still owns the account and XXXX XXXX XXXX are just the representatives. Strictly speaking, Im still waiting for Synchronys response just to clear up THAT issue, too! All of the frustration and confusion on this specific part of the complaint is the fault of YOU ( XXXX & XXXX and Synchrony ) and only YOU! I have never heard of a situation where theres a client ( the bank ), an attorney representing client ( XXXX & XXXX ), the attorney files major legal cases on behalf of the client, but then the client and the attorney make a pointed effort to have NOOO coordination between each other whatsoever. You know guys, a little bit of friendliness and communication between your two organizations could have cleared up that other Why was my account getting locked out in XXXX? question months ago. I tried to file that question directly to Paypal on case number XXXX ( since the Account Locked emails came from Paypals system ), but they rejected it without actually saying anything, and CFPB forwarded it to Synchrony. Synchrony took 60 days to come back with a long-winded response about my written identity form being declined ( WHICH WASNT EVEN THE THING I WAS COMPLAINING ABOUT IN CASE NUMBERS XXXX AND XXXX ) and then their response barely addressed the e-mails I got from Paypal saying my account was locked due to unusual activity ( thats the thing I WAS trying to figure out in those two complaints! ) XXXX XXXX also states in his most recent CFPB communication regarding the more recent, NOT DUPLICATE complaints : Synchrony has responded. XXXX & XXXX has responded. Well, please just refer to the attached screenshot of my current CFPB dashboard, which disproves half of that statement. SYNCHRONY HAS NOT RESPONDED to about five different new complaints so far. In fact, they keep telling the CFPB they need more time before they CAN respond! Again, we see an example of XXXX XXXX being an unapologetic, wildly hypocritical XXXX through a Federal reporting system, where hes filing patented false responses in a cheap rush to crush me like a bug ( when HIS company is the one who is unjustly attacking ME! ), while avoiding any legal integrity or responsibility on his side. But what else is new?! Also in the process of his XXXX response, XXXX XXXX AGAIN completely refused to address my question : XXXX XXXX letter were you talking about in XXXX? ( To CFPB and Synchrony : The reason I keep making a case about this right now is because I cant find any evidence on my side that I sent XXXX & XXXX a written request not to call me prior to XXXX. But I DID have such requests in place for other creditors, and some of those other creditors were violating their request within a matter of weeks when XXXX & XXXX popped out with their ambush lawsuit last year. Im dealing with a big powerful bully forcing me into a corner, where I have to wonder if theres some kind of illicit connection between XXXX & XXXX strange timing last year and the other creditors, too! Im attaching another CFPB case from last year just to illustrate ONE example of this happening. ) XXXX & XXXX is going to keep treating me like total junk with no consumer rights whatsoever, and I dont even understand why, other than just because I have debt. Whatever advice XXXX XXXX is getting from the CFPB, this advice is clearly skewed by the fact hes not giving an honest account of his actions to the CFPB. AS IT SPECIFICALLY PERTAINS TO IDENTITY THEFT : Was I victimized by identity theft in XXXX and XXXX that was perfectly and eerily timed just before XXXX XXXX XXXX legal attacks? Yes, that REALLY happened, and thats why I was in a wild XXXX XXXX all last year! ( CFPB and Synchrony : You can review the case Ive attached from XXXX Bank proving two of the three instances where this happened, and the company where the fraudulent accounts were opened apologized. XXXX & XXXX : Youre in XXXX XXXX and youre refusing to apply your brains to anything Im saying, so I dont really care what you do with this information. The third instance of this identity was someone opening an online checking account at XXXX XXXX XXXX in XX/XX/XXXX, just before XXXX & XXXX mailed their lawsuit in XXXX. In the months before XXXX & XXXX ever popped out with their lawsuit, I was honestly already thinking : Okay. Is this a family member acting up again, or is this a creditor somewhere trying to verify my credit line in a really slimy way? That was last year. But this year, after the past several rounds through the CFPB, Ive come up with a third theory : Was this some kind of whistleblower who knew XXXX & XXXX was about to commit their garbage legal attack and they were trying to draw attention? Maybe its one of those three possibilities. Maybe its none of those three! I honestly dont know, and it sickens me every day Im not allowed to figure it out! BUT COMPLETELY IGNORING THE IDENTITY THEFT, heres the other problem : I didnt even mention the unnerving identity theft being part of XXXX XXXX XXXX  hostile actions when I wrote XXXX two weeks ago. What that complaint is addressing is XXXX XXXX XXXX general manipulation and abusiveness through this legal case and through the CFPB system, and their constant question-dodging. So why is XXXX XXXX response to XXXX once AGAIN trying to divert the issue to be all about my written identity theft form, when thats not even what I was talking about?! And then, XXXX XXXX ended his response in this most recent report by unofficially, indirectly admitting hes just going to keep marking everything Im saying as duplicates so he doesnt have to deal with it. Thats wonderful! Thats exactly the honest and helpful attitude I was already anticipating from you, but its nice to see written confirmation. At least I wont be stressing out even more from reading your XXXX  dismissive CFPB responses. And as long as Im not reading those, I wont need to fill out more CFPB reports with new examples showing the blatantly obvious : XXXX & XXXX is, and has always been, completely full of it!

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