Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I, a private living woman, competent to testify and operating under natural law, common law, and equity, do hereby declare under penalty of perjury that the following statements are true, correct, and complete to the best of my knowledge and belief. 
This Affidavit constitutes lawful notice to Synchrony Bank and its third-party agent, XXXX XXXX XXXX XXXX XXXX regarding account, which was reported as charged off and subsequently transferred to a collector. This is also being submitted into public record and is reinforced by all lawful rights preserved under UCC 1-308 and through the authority vested in me as XXXX, Trustee and Beneficiary of my private trust. 
I am the XXXX, Trustee and Beneficiary of a private trust lawfully created in the year XXXX, operating under private contract and common law jurisdiction. Said trust exists to protect the interest, estate, and equitable rights of its Beneficiaries and to manage all private and secured transactions. This statement is executed and submitted in my capacity under and through said trust. 
1. I am a living, breathing womannot a corporate fiction, debtor, or U.S. personand I retain all rights under the Constitution, equity, and public policy. 
XXXX. On XX/XX/XXXX, Synchrony Bank issued a response via the Consumer Financial Protection Bureau ( CFPB Case XXXX ), stating that the alleged balance of {$4000.00} was officially charged off on XX/XX/XXXX, and not canceled or forgiven ; yet the account was removed from Synchronys internal records and is now being pursued by a third party ( XXXX XXXX XXXX XXXX XXXX XXXX 
3. This contradictory behaviorcharging off the debt for tax benefit and simultaneously continuing to seek payment through assignmentconstitutes constructive fraud, bad faith, and unjust enrichment, violating principles of equity and good faith dealings. 
4. Under GAAP ( Generally Accepted Accounting Principles ) and IRS guidance, a charged-off account is closed on the originators books, and any continuing collection by another party demonstrates a full and final settlement from the original creditors side. 
5. By claiming no 1099-C was issued, Synchrony is attempting to deny both discharge and liability while still reporting or profiting through assignment, in direct violation of FCRA ( 15 USC 1681 ), FDCPA ( 15 USC 1692 ), and basic fiduciary duty.

6. I hereby demand that Synchrony Bank immediately direct all credit bureaus to either : a ) Remove the account entirely, or b ) Report it as Paid in Full Settled {$0.00} Balance No Derogatory Remarks.

7. Failure to take such corrective action constitutes willful misrepresentation, administrative breach, and a violation of the lawful XX/XX/XXXX Presidential Memorandum issued by Donald J. Trump, titled Directing the Repeal of Unlawful Regulations, which reaffirms the supremacy of the Constitution and due process in all agency actions. 
8. Let it be known that continued failure to rebut this affidavit point-for-point within 14 days by sworn affidavit under full commercial liability shall constitute tacit agreement, permanent estoppel by acquiescence, and grounds for administrative lien and lawful remedy .

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