Consumer complaint received 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank Fraudulent account. Release the Lien or I'm going to file a federal lawsuit for a {>= $1,000,000} against you for violations of TILA, tax fraud, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud, GROSS MISREPRESENTATION and etc. Attached, 1099 A, 1099 C and UCC lien. 

Any agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error for {$32000.00} paid in full. I'm going to write a complaint to the Attorney General, Better Business Bureau, FTC and send you a notice of default giving you 15 days for my payment. I will be filing a lawsuit against your company for a million dollars in damages etc! My million lawsuit against XXXX XXXX for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting.

2. Verification of your claim against me. A signed invoice or sworn affidavit.
3. A copy of the contract binding both parties ( XXXX XXXX and XXXX XXXX ). 

1. I need full Disclosure. I was not told that I was actually creating the credit. 
2. Equal Consideration, XXXX XXXX brought nothing of value to the table and XXXX XXXX had nothing to lose. 
3. Law terms and conditions were based on fraud!

4. The wek ink signature of both parties.

Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error to pay in full and release the lien in your system with motor vehicle. 

Re : XXXX Account # XXXX, VIN # XXXX, Make : XXXX XXXX XXXX, Model : XXXX, UNIT IDENTIFICATION # XXXXXXXX XXXX  XXXX and MOTORCYCLE acct # XXXX, Make : XXXX XXXX, XXXX XXXX. 

XXXX XXXX XXXX XXXX Civil liability. Civil liability for willful noncompliance. XXXX U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

united states constitution article 1 section 10 Clause 1 Treaties, Coining Money, Impairing Contracts, etc. 
No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.

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