Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX ; XXXX have Tendered payments thereto said creditors as of XX/XX/XXXX with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. In fact the first response I received was written on XX/XX/XXXX which is 13 days after it was received. And I did not receive it until XX/XX/XXXX making it 20 days. 
False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was sent to me in the mail 21 days later written on XXXX XXXX was that they will not modify or delete my status report. And that my account now reflects the amount of {$1300.00}. However the bill I have when I submitted the tender of payment states that my remaining balance was {$1300.00}. 
I do not have a contract with synchrony as they have stated in the document that was sent to me by mail. The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. The letter synchrony sent me states that I entered an agreement with them each time I authorized a transaction on the account. What does that mean? I do not have a credit card with synchrony to authorize any transactions. I was never provided with one. Furthermore, without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance. 
By law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. The document sent to me by synchrony states that they will not delete or modify my status report. I believe that it is there way of stating that they are not accepting my Tender of Payment however it was not sent back to me. And if the original Tender of Payment is not sent back five days after the corporation has received it then undamaged then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. 
The new law states " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. 
Therefore all are hereby notified that XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. 
Rather it has been over [ 34 ] thirty four days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post signature as undeniable delivery proof which is and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!

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