Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER If you and your agency/firm can state your claim, please provide that information and fill out the enclosed IRS form W9. Affiant will also need you and your agency's/firm 's EIN number to forward to IRS for collections via form 1099/1096 stating you and your agency/firm 's taxable gain on any payments made or amounts you may incur in the self executing contract section if you pursue this matter without proof of claim.

In an effort to settle this matter in the most efficient possible manner, Affiant hereby CONDITIONALLY ACCEPTS your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : Condition # 1 A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT Pursuant 15 U.S.C. 1681 and all other supporting documentation that give rise to and lawfully support the alleged obligations your agency/firm now claims is owed.

Condition # 2 Provide affiant with a sworn and notarized affidavit, signed under the penalty of perjury as follows : a. That your " client '' is the bona fide party in interest and holder in due course of the aforementioned contract, and that they can and will further produce said ORIGINAL WET INK SIGNED CONTRACT Pursuant : Section 604 of the ( Fair Credit Reporting Act and 15 U.S.C. 1681 in Condition # 1 above.

b. The names, addresses, dates, and durations of time during which any and all persons, corporations, associations, legal firms or any other parties and/or entities who may have had or presently now have any interest in the collection or legal proceedings regarding this alleged obligation.

c. That as a claimed debt collector, " you '' have not purchased evidence of this alleged debt and are proceeding solely in the name of the original contracting party or parties.

d. That " you '' know, understand and agree that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause.

e. That both " you and your firm '' have taken reasonable and prudent due diligence to verify that the amount claimed as owed is, in fact, a legitimate and bona fide debt, prior to instigating this action and making said claim, and that all relevant correspondence, challenges, denials, and counter claims by me have been fully and thoroughly reviewed by and adequately answered by " your firm '' both prior to and since initiating this claim.

f. That since initiating this claim, your firm, or associates under your employ, did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim.

g. That " you, your firm or associates under your employ '', did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim.

Condition # 3 Provide written verification in the form of a signed, sworn and notarized affidavit from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action.

Condition # 4 Provide the total account and general ledger statement showing the full and complete accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to the same under oath to that effect.

Condition # 5 Provide certified and notarized copies of documents showing that " you '' are or represent a bona fide creditor in a collection process include : a. A notarized copy of a certified documents evidencing that you allowed to conduct business in the state of Florida as a collection agency.

b. A notarized copy of the bond on file with the state of Florida allowing " you/your firm '' to operate as a collection agency c. A notarized copy of the assignment letter including production of the signatures and status showing " your firm/agency '' as holders in due course of the alleged claim.

Condition # 6 Provide the status and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.

Condition # 7 Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.

Condition # 8 Provide proof that your " Notice of Debt Collection '', is authorized by such statutes and enforcing regulations.

Condition # 9 Provide proof of all relevant signatures and your status as holders in due course of this alleged claim.

Condition # 10 Provide the name ( s ), address ( es ) and telephone number ( s ) of the bona fide creditor ( s ) pertaining to this alleged debt.

Condition # 11 If you are acting as an agent, provide certified copies of the registered claim upon which you are collecting, showing the name ( s ) of any and all debtors and the respective bona fide creditor ( s ) as the secured party ( s ) Condition # 12 Provide the national and regional credit and debit card network rules and regulations governing electronic payments and ATM transactions ; specifically the production of all versions of the manual in each case for each service/buyer/successor/transferee regarding this alleged claim.

Condition # 13 Provide a sworn and notarized affidavit, signed under the penalty of perjury, that all the rules and regulations of the National and Regional credit and debit card network rules and regulations were never, at any time, violated or circumvented to the detriment of the affiant pertaining to this alleged claim.

Condition # 14 Provide verifiable proof that any actual " money/federal debt notes '' was ever created or loaned to affiant by the named " creditor ( s ) '' whom " you '' claim to represent, and not mere bookkeeping entries that were made by them in an attempt to establish the alleged obligation or debt, and in which case, the entire matter would constitute fraud on " their '' part, as well as now " yours ''.

NOTICE : Contacting affiant or affiants residence ( s ), address ( es ) again without first properly documenting that affiant has any obligation to you or your claimant pertaining to the above referenced trust numbers, after verifiable receipt of this Notice of Conditional Acceptance, will establish and constitute that " you '' deliberately intended to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and/or enticements to coerce affiant to commit some act creating a legal obligation and/or XXXX where none exists, previously or presently, as well as constituting that " you and/or your firm '' knew or should have known that by such communications, what " you '' have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by " you '' as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and be assured that " you/your firm/agency '' do so at " your '' own peril and risk.

You have ten ( 10 ) days from the receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under " your '' full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain.

Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgement ), will constitute your stipulation that I/Affiant have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection.

Be advised that notice to any agent of the State or under courts regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, " your '' failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by " you or your firm '' XXXX XXXX to secure payment with a " Writ of Garnishment '' before responding to this Conditional Acceptance shall be deemed as an Agreement with the facts as stated in the attached affidavit, and shall be further deemed an Automatic Dishonor of the Conditional Acceptance and agreement to the Courts to the immediate payment of {$75000.00} USD, payable to XXXX : XXXX as compensating damages . 
Agent on behalf of Principal XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Signed from " without '' the " XXXX XXXX '' in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice and without recourse, UCC1-308 and RCW 62A.1-207 I have disputed this unlawful debt ; therefore, until validated " you '' know " your '' information concerning this debt is inaccurate. Thus, if " you '' have already reported this " debt '' to any credit-reporting agencies ( CRA ) 's or credit bureaus ( CB ) 's and/or any Governmental Agencies then, " you '' must immediately inform them of my dispute with this " debt ''. Reporting information that " you '' know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act UCC 1681s-2. Should " you '' pursue a judgement without validating this alleged " debt '', the appropriate departments of the Secretary of State and Attorney General will be notified and forwarded this information and " your '' failure to comply with the FDCPA and for reservation of rights shall be noted.

I have also attached Durable P.O.A. forms for the Record as well as laws to reference

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