Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My purse was stolen with my wallet, cellphone, and a notebook ( contain my usernames and passwords for all my Credit cards, bank account, XXXX account, XXXX account , social security account , all my emails ), my state ID, Copy of my social security card, my XXXX Credit Cards XXXX XXXX, XXXX credit card, XXXX 's credit card , Debit card on Saturday, XX/XX/XXXX at XXXX at XXXX XXXX, XXXX. And I noticed I lost my purse on Sunday, XX/XX/XXXX : After church someone texted my close friend 's phone number that happened to be with me then, and in the text mentioned I found your purse in the dumpster. We were suspicious that he was the thief. So I called the Police on the same day at XXXX am. to report the stolen items. And when I checked my bank account, I noticed fraudulent charges towards my debit card. I also called XXXX to check if there are fraudulent charges with my cards. But I missed contacting the social security administration to report my copy of the stolen SS card. I reported it all to the Police Officer. She listed some of the transactions First of all I never received any billing statement from XXXX. 
Second of all, I haven't used a XXXX credit card since XX/XX/XXXX. I was panicked since there were too many places that I had to call to block my account. Unfortunately I didn't block some of my credit cards including XXXX. I thought I had already secured everything. 

The Police officer was able to arrest the thief and confiscated some of the items. But the rest of them are gone including XXXX credit cards, XXXX credit card, XXXX XXXX credit card, XXXX XXXX credit card, my purse, cellphone, wallet, copy of my social security, and note book. 
On XX/XX/XXXX I received a letter from the XXXX police department to pick up my ID and debit card. 


In XXXX XXXX XXXX XXXX sent me a collection letter last year mentioning that I have an account balance of {$740.00}. I have replied to them that my purse got stolen with everything in it. I gave them all the police report information so they can pull out the police report from XXXX police department, Arizona. XXXX XXXX XXXX never sent any copy of court documents last year before sending the summons. I received their court documents XXXX month ago. Mid XXXX. 

I never have any contract with Synchrony and XXXX XXXX XXXX. 
In order for them to communicate with me we have to sign a contract. And I do not wish to have any contract with Synchrony and XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have contact Synchrony and XXXX XXXX XXXX XXXX I did not receive the Police report in my email as mentioned in XXXX. Therefore I had to request it again last year and it took XXXX  month to receive the report. 

I called XXXX Police Department to add information by phone ( XX/XX/XXXX ) and requested a new open investigation with XXXX Police department regarding XXXX  credit card fraudulent charges ( XX/XX/XXXX ) by email. 

Note contract, n. ( 14c ) 1. An agreement between two or more parties creating obligations that are enforceable or otherwise recognizable at law <a binding contract>. [ Cases : Contracts C= 1. ] 2. The writing that sets forth such an agreement <a contract is valid if valid under the law of the residence of the party wishing to enforce the contract>. 

An agreement, upon sufficient consideration, to do or not to do a particular thing. 2 XXXX XXXX. XXXX ; XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX. XXXX. 

A covenant or agreement between two or more persons, with a lawful consideration or cause. XXXX. 

A deliberate engagement between competent parties, upon a legal consideration, to do or abstain from doing, some act. XXXX. 

A contract or agreement is either where a promise is made on one side and assented to on the other ; or where two or more persons enter into engagement with each other by a promise on either side. XXXX XXXX. XXXX. XXXX. 

A contract is an agreement by which one person obligates himself to another to give, to do. or permit, or not to do. something expressed or implied by such agreement. Civ. Code I, a. art. 1761 ; XXXX XXXX XXXX XXXX. 34 La. Ann. 45. 

A contract is an agreement to do or not to do a certain thing. Civ. Code Cal.

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 monetary relief