Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX XXXX of XXXX XXXX XXXX just ended case number XXXX by stating XXXX & XXXX believes no wrongdoing has occurred by our firm or our client Well, this is a clear, bold-faced lie when you just look at the latest news. In the previous case number XXXX, he submitted a nonsensical, antagonizing, utter garbage response through the CFPB where he tried to say my claims that my Synchrony/Paypal credit account were XXXX locked out on XX/XX/XXXX in the middle of the night were just made up by my imagination, when I have never seen said my account was locked on XX/XX/XXXX! On previous case number XXXX and several other CFPB reports XXXX I repeatedly made it clear I was trying to figure out why my account was locked at the beginning of XXXX! He doesnt even have the decency to say XXXX! We definitely got those dates mixed up! Sorry for abusively attacking your mental state when were the ones making stuff up! Thats certainly one example of some wrongdoing on XXXX & XXXX part! XXXX XXXX speculative explanation about multiple Synchrony accounts in case number XXXX also doesnt really make a lot of sense, since there is only one Synchrony account involved in this entire discussion. I only have XXXX Paypal address. I only have one Paypal Credit account attached to my Paypal. Thats the one and only Synchrony account that exists, and thats where this debt originated. I also fail to understand what he means when he keeps saying there is no merit to my identity theft claims. The police reports sitting in the XXXX XXXX precinct ( and at least XXXX separate CFPB report submitted to XXXX Bank, where several of the fraudulent accounts were being opened ) from early XXXX beg to differ on that topic. And Im not claiming the debt itself on my Synchrony account is identity theft, because Ive never claimed that! What I keep saying is there is aggressive, invasive, repeated identity theft coincidentally surrounding the timing of XXXX XXXX XXXX spontaneous legal attacks against me! So just in the most recent CFPB case alone, we have : XXXX. XXXX XXXX outright lying in Federal consumer communications ( The XXXX done nothing wrong! message he loves to repeat like a broken record, even when hes obviously done a couple things wrong. ) XXXX. XXXX XXXX failing to do some basic research on XXXX account XXXX that DID happen. If not maliciously, then at least out of recklessness and incompetence. And XXXX. XXXX XXXX remaining in miscommunication over what were talking about when I say identity theft. And just as a sidenote : It took XXXX CFPB reports stretched across weeks to get anyone to answer the very basic question Who the heck owns my debt account? Okay! All of you XXXX and XXXX & XXXX report receiving these reports! Lets go back and walk through this whole ugly fight from the very beginning. Summer XXXX : You issue a lawsuit out of nowhere, with no warning, with no attempt to communicate. This lawsuit has you spouting a complete lie right out of the gate, where you keep saying you had to sue me because I stopped paying you. But I never stopped paying you! I was making the small and sporadic payments I could manage, and you keep replying to me with a payment record that shows those sporadic payment records right up until you issued your lawsuit. But the fact of the matter is : I was making Payments! And if the amount of payments were such a problem for you, why didnt you at least try to warn me before you popped out of nowhere attacking with a lawsuit?! You know, there are other ways you can communicate with consumers that arent just you violently waving your arms around shouting JUDGMENT! JUDGMENT! LETS DO THIS! RIGHT NOW! NO, WE DONT CARE ABOUT ANYTHING YOU SAY! I WANT MY JUDGMENT! Thats all XXXX & XXXX has been doing through this whole mindboggling legal process. Then you waited until a year AFTER you got your court judgment before you finally slowed down and tried to do anything about the identity theft Ive been screaming about endlessly from the moment you filed the lawsuit! On CFPB case number XXXX ( XX/XX/XXXX ) the only other lawyer involved in this case, XXXX XXXX XXXX XXXX only one response where he concluded by saying we had a trial on XX/XX/XXXX that resolved these issues. What actually happened on XXXX, XXXX, XXXX is : I had to miss half a day of work and I signed in at the court house about half an hour before we were supposed to have the trial you are referring to. About ten minutes later, XXXX XXXX walked into the lobby. Hes the local XXXX attorney who was hired by eitheXXXX XXXX XXXX XXXX or Synchrony to represent them in-person ( Im still fuzzy on the legal mechanics of who hired who here ). He immediately guided me aside to a private room, sat me down, and roughly said right away Oh! You and XXXX XXXX just cant get along because you never have to meet each other in-person! Theres nothing wrong here! Lets just get this judgment squared away! And like an XXXX, I immediately caved. And in XXXX I have a new Biggest Regret of My Life. I made the mistake of putting any kind of faith in XXXX XXXX and trying to be friendly toward him, because XXXX. He seemed like the only honest, quasi-friendly individual to come forward in this entire legal episode. XXXX. Ive never been in any kind of courtroom thing completely on my own in my life, and I was a nervous wreck trying to prep myself to publicly speak in front of XXXX XXXX. And XXXX. I came into that courtroom already confused and exhausted over a dozen other family abuse legal situations and identity theft legal situations, and I was struggling to focus on the right thing. The other thing that won out is, at the end of the day, even after all the legal overkill ridiculousness XXXX XXXX XXXX keeps hurling against me, even after the really creepy timing with the identity theft, theres an honest part of me still thinking : Well, it this IS my account ( and Ive never denied it wasnt! ). And I CAN feasibly completely pay it off in X years. So, whatever. By the time we actually got into the courtroom XXXX minutes later and we all sat down, XXXX XXXX instantly took command of the scene by saying Were not having a trial about this! We dont need to have a trial about this! And that was that. During conversation behind the courtroom, XXXX XXXX spun me off into looking for help from the offices of XXXX XXXX ( an office I was already in contact with last year when I was looking for lawyers to help me fight off these legal attacks! ) And I spun myself off into looking for lawyers to help me with an abusive car dealership/family fiasco stemming back to XXXX ( which ended up being another predictable waste of XXXX months, since everyone on the family side is being so nebulous and sneaky that I cant get legal help for ANYTHING, EVER. But thats entirely separate legal argument that has nothing to do with XXXX & XXXX I hope. ) XXXX of the things I also remember XXXX XXXX saying outside the courtroom in XXXX was how XXXX & XXXX needed this lawsuit just because its an old account. But the thing is, thats not actually a problem either, because every time I was sending payments to XXXX & XXXX, I was voluntarily extending the statute of limitations for you! The smaller point is : all XXXX XXXX focused on was leading me in any direction that wasnt me explaining my side of this lawsuit directly to XXXX XXXX, and now its just complete silence from him. The larger point is : There was never a trial about any of the things were arguing about. There was never any trial, period! XXXX XXXX is casually lying his way through this procedure just as badly as XXXX XXXX! What you actually have is a default judgment that was handed to you in a friendly manner, because XXXX XXXX sweet-talked me out of arguing in the courtroom in XX/XX/XXXX. Its a default judgment built on a shaky payment contract, which is built on XXXX XXXX ignorance at spelling important names and his ignorance at fixing/acknowledging his mistakes, and its a payment contract written to a XXXX XXXX who ( legally ) doesnt exist. And then at the beginning of this past XXXX ( the same timeframe as the Paypal/Synchrony account XXXX ), you filed that XXXX of XXXX in the prothonotarys office why? Because you didnt like me saying in e-mails that Im sick and stressed from being legally bullied by you? So you decided it was a cool idea to legally bully me some more? 

Here is the main, big, underlying point to everything Ive said above : As long as this is the way you want to abuse the civil court system and publicly plaster your customers, and then shove your customers into paying your needless legal fees, YOURE ALWAYS GOING TO GET VALID COMPLAINTS! That much should a given. Now, if XXXX & XXXX ever said : Were doing this lawsuit! Right now! There was no good reason to even attempt doing this, but we did it anyway! And then we couldnt even write our own contract paperwork correctly while we were barging through the legal system! And now weve been blocked from reckless legal abuse and weve rendered this account uncollectible in a courtroom through our own XXXX actions! Oh well! Lesson learned! Thats the correct legal outcome I strongly believe should have happened in summer XXXX. This whole matter should have quietly died in the courtroom last year. Or at the very least, XXXX positive my arguments to Judge XXXX ( IF I WAS ALLOWED TO MAKE THEM ) would have at least slowed down P & Fs constant lying and legal bullying a little bit, and forced them to actually communicate with me decently, and do something ( anything ) to help me with the identity theft mystery. And because this didnt quietly die last year, now were having a Surrealistic XXXX XXXX argument about Paypal/Synchrony account shutdowns in XXXX that DID happen, but supposedly Im just imagining that this happened, with my wacky crazy imagination. ( And because Synchrony and XXXX XXXX XXXX are now giving WILDLY different explanations about this account lockout situation, I cant be 100 % completely sure why it even happened! ) And now Im wondering : Between the original Cant write the payment contract correctly problem, and the newest absurdity with that completely trashy CFPB response where XXXX XXXX willfully ignored every single thing I was saying, and then somehow got XX/XX/XXXX confused with XX/XX/XXXX, and then accused ME of spouting imaginary non-facts, how many opportunities does XXXX & XXXX get to make mindless stumbling errors in their procedure before Synchrony rips the account away from the grungy debt collector and puts it in the hands of their consumer advocacy department, or something? Now Im waiting indefinitely for Synchrony to respond to XXXX open CFPB reports spanning over the past month, including this newest one Im writing. Synchrony just keeps filing extensions telling the CFPB they need more time to resolve these complaints on their side. Trying to have any kind of conversation with XXXX & XXXX is an abject legal travesty, as shown time and time again through these CFPB reports. So I cant wait to see what Synchrony has to say! ( Im saying this VERY sarcastically. )

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