Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Payment was made but they keep stating that they Synchrony Bank can not locate payment when i have proof of service signed by an employee agent of said bank located in XXXX FL. It appears that Synchrony Bank is may not be following the law. i XXXX XXXX XXXX have received your recent emails stated and letters stating that the Tender of payment was missing and the back office had not reviewed or received it as of yet. Well its a Tender of Payment Coupon redeemable at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( XXXX XXXX, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; XXXX XXXX, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; XXXX XXXX, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Please forward payment to the back department or the Remittance Department asap. Base upon law " 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, XXXX XXXX, 1933 on HR 1491 p. 83. 
The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( XXXX XXXX, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; XXXX XXXX, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; XXXX XXXX, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) I spoke will speak with many Representative of Synchrony and  validate and verify that the payment was received as of XX/XX/XXXX2019, and she said yes allow ten days for processing. Well its been well over ten days and i am receiving emails again as of XX/XX/XXXX2019 claiming that my services will be interrupted when you have been paid by tender. Notice there can not be any increase in the principle balance or interest. Therefore XXXX XXXX you are hereby notified that I 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 XXXX XXXX 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. 
Therefore it is not invalid bank information. There is no reason to locate the bank account provided because it would be that of either the Federal Reserves Bank or the US Treasury. You will not need banking account status for this is a tendered payment by law. The funds or i.e. credits are available. Use either the Money Order Remittance or the Coupon.

You have received both payments for both cards please apply the credits thereto both of my accounts. If i do not see them credited within the next fifteen days ill file a complaint with CFPB SEC FTC CONSUMER AFFAIRS & Small claims court. 

XXXX XXXX XXXX for account No. [ s ] XXXX XXXX SYNCHRONY BANK XXXX XXXX XXXX XXXX FL [ XXXX ] Routing/ABA # XXXX GOVERNMENT OBLIGATIONs REMITTANCE COUPON Pay and Pledged to the Order of : SYNCHRONY BANK without recourse Amount of Obligation : BY A NON TAX PAYER AT PAR INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of XX/XX/XXXX1933 ; the act of XX/XX/XXXX 1933 ; 12 USC 411 ; 18 USC 8 ;  and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). 

Memo : Discharging of Government Obligations Beneficial Interest Holder and Citizen of the United States of America XXXX XXXX, 2019 I have called multiple times and was told that i would need to allow ten business days for the payment to be posted but it has been past ten business days and the letters continue to poor in claiming i need to make a payment when i have tendered the payment to Synchrony bank.

i have the letters from the USPS with signatures from your agents receiving the mail.

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