Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/2022 In the matter of the name i believe i use, XXXX XXXX XXXX, SMS File # XXXX used, could there be an impropriety? i believe i've spoken to the alleged reps at the company Synchrony Bank, XXXX XXXX and however many accounts XXXX, XXXX, XXXX attorneys believe they have an interest in, besides having spoken to many alleged reps at XXXX, XXXX, XXXX, but even though i believe i've told them i'd be happy to so called pay but it's just a matter of speaking to the alleged claimant/one with firsthand knowledge accepting liability for the claim of a debt due, so i can verify their claims, could it be they've told me they have no firsthand knowledge yet proceeded to levy a XXXX XXXX bank account i believe i use and took out several amounts from it? How can there be a valid claim without a claimant? How can they proceed on hearsay? i believe i've repeatedly asked to speak to the claimant, and could it be to this day they have failed to produce evidence of a claimant after asking that they have him/her call me directly many times so i can verify what they're saying and help him/her settle it honorably? i believe i've yet to speak to the alleged claimant after calling, faxing, emailing and leaving voice mails many times requesting that he/she calls me. Could it be almost every time i call they hang up on me, could this be considered acting in bad faith and ex parte? Could that be evidence there either is no claimant or the alleged claimant has no objection to my request for them to discharge this or to put it on a full cease and desist from collections, communications and any illegal and or legal action for lack of firsthand knowledge? Could there be an impropriety? 

If the alleged agreement was with someone else where was the meeting of minds and proper notice to have XXXX, XXXX, XXXX to come into this? Who invited them? Could it be this has caused injury? Could this be considered meddling, false claims, false impersonation, identity theft, identity fraud, malicious compliance, barratry, champerty, creating fictitious debts, creating fictitious obligations for using the name for profit without the proper authorization, without proper so called compensation on the basis of hearsay? I'm told that's against the law. i believe i've repeatedly requested them to discharge this and any and all accounts they have on file or put them on a full cease and desist from collections, communications and any illegal and or legal action till the alleged claimant decides to step up to call me directly in order to give firsthand testimony/firsthand verification and object, but they still proceed anyway on hearsay. Would you be kind to do a due diligence investigation into the alleged matter ( XXXX ) that are being handled by XXXX, XXXX, XXXX? Could it be because they have repeatedly proven that this is an invalid claim based on hearsay by failing to produce evidence of a claimant, i'm requiring that they discharge this or put it on a full cease and desist as i requested within 10 days, removing the levy and notifying the consumer reporting agencies this alleged matter is now settled honorably because the claimant has refused to step up in order to object to it? Love you, the one who uses the name XXXX XXXX XXXX.

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