Consumer complaint received 2024-07-07 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:
I need to report ( or at very least document ) XXXX & XXXX latest sickening and disheartening misuse of the CFPB compliance system. On XX/XX/XXXX, XXXX XXXX XXXX further exploited the CFPB system by marking Case Number XXXX as a duplicate of an earlier case, when it was in fact identifying new grievances that have only occurred in the past couple weeks. And this complaint XXXX writing right now is a XXXX complaint, since XXXX & Fs actions in XXXX XXXX XXXX just happened XXXX days ago as of this writing. But thats not the first time theyve used this dodgy gimmick. Last year, in XX/XX/XXXX, they did the exact same thing for XXXX XXXX XXXX. So now XXXX once again caught in the throes of P & Fs poorly designed circular legal logic : I submit a complaint against XXXX & XXXX / Synchrony ( because its the only defensive option I have at the moment ). On average, the response these companies send might address half the things XXXX saying, and they dont even acknowledge the rest. Then I file secondary and tertiary complaints for things theyre either not answering, or just openly lying about. Then they go to the CFPB whining that the newer complaint is a duplicate they shouldnt have to answer, when its not actually a duplicate, because they never addressed or resolved the problem in the first place. And then when the same problem comes up again months later, they just say But weve already resolved that! When its an issue they never resolved because they marked it as a duplicate as a legal workaround! And now that weve entered the phase of Any response XXXX & XXXX provides is probably going to show them doing something wrong, XXXX assuming theyre going to keep using this Call it a duplicate so we dont have to say anything at all tactic. But XXXX still going to write this XXXX report, just for the sake of diligence, record-keeping, and to protect myself from some very aggressive legal clowns. If nothing else. And please bear in mind, they pulled their first Marking things as duplicate when theyre not really duplicate stunt on XXXX XXXX XXXX last year WHILE this case was working its way into small claims court for a trial. The only thing XXXX XXXX would discuss in private emails parallel to those older CFPB reports can be summarized as But when are you going to sign this default judgment? We shouldnt have this trial! So when are you going to sign it? Huh? XXXX? ( Again : The trial that never happened. Please refer to half a dozen previous CFPB reports from this year, XXXX. ) XXXX XXXX and XXXX XXXX : In Case Number XXXX, I clearly wrote : 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! That is NOT a duplicate complaint! That is NOT something you have resolved or even acknowledged. That is the way youve been acting the entire time for the past year, and what youre doing now is just a new continuation of that same legally warped attitude. On Case Number XXXX back in XXXX of this year, I even explicitly asked the question : Why did he ( XXXX ) XXXX to the CFPB last XXXX and say I was sending the CFPB duplicate complaints? No one ever answered that question. And now you just did it again! Also : On recent XXXX XXXX XXXX, XXXX & XXXX is still proclaiming they see no wrongdoing in their actions. Well, I guess were all living in completely different universes, then. Because when you read everything I wrote when I submitted Case Number XXXX, and you read XXXX & Fs response/reaction to the same case, practically their entire CFPB response IS wrongdoing XXXX In this particular example : XXXX & XXXX is making up dates and events that I never said happened, then rubbing it in my face by saying XXXX making up the dates and events purely from my imagination when I never said those events happened on the dates theyre giving in their response! XXXX XXXX abused the CFPB system by intentionally wasting everyones time filing a completely bogus response to XXXX while having some fun poking fun at my mental abilities. XXXX, XXXX, he just showed the entire world what an unreliable doofus he is, because he genuinely believes that response was correct, and he saw no provocative discrepancies in it before he submitted it. However it happened, its called wrongdoing! And then in the very next case, XXXX, XXXX & XXXX went the completely tone-deaf route of pretending they DIDNT just finish sending a false and antagonizing junk response to Case Number XXXX! XXXX raking my hair with my hands and XXXX boggling my own mind just trying to recount this exchange for the purposes of this new report. XXXX A calls XXXX XXXX crazy and accuses XXXX XXXX of making stuff up while Party A is actually being crazy and making stuff up. I send copies of all of my CFPB complaints directly to XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX. XXXX almost never responds ( Hes written XXXX message to me in XXXX alone! ) When XXXX & XXXX does respond, theres always some pushback where XXXX XXXX says hes the only person I should be writing to about my debt. Well, Ive had more than enough of that. Last time I checked, this is MY XXXX XXXX ACCOUNT were discussing. I will share the ( ugly, scary, humiliating ) details of MY BANK ACCOUNT with whoever I please, thank you very much. So. I really dont appreciate some taunting schoolyard bully who never grew up and was entrusted with way too much legal power in their adult life trying to further violate my consumer rights by insisting theyre the only person I should be talking to about my banking matters. Now, heres a basic newsflash for everyone receiving this complaint : When youre marking complaints as duplicates when theyre not really duplicates, and you just want an unfair shortcut so you dont have to deal with the complaints, youre committing wrongdoing! When youre blatantly making up things I didnt say, and then using your false recount of events to claim IM making things up, youre committing wrongdoing! And as long as you want to continue lying and saying your legal attacks against me are NEEDED, when I was paying you and the statute of limitations were never shrinking for you, then youre committing wrongdoing! Like I keep saying : These are just new incidents of same dishonest stuff XXXX & XXXX has been doing for the past year. This is further illustrating the twisted and legally-lopsided mindset XXXX & XXXX has always used from the beginning : Oh! You have debt! So that means we can do whatever we want to you, and were never accountable for anything! These people treat the entire notion of consumer rights, and just basic human decency, like total trash. And FOR WHAT, exactly? Just so XXXX & XXXX can rush to defend their sloppy abuse of the local court system, when it is blatantly louder and clearer than ever that there was no good reason to sue me as their first and only form of direct communication? This is all very confusing and very infuriating at the same time! Now that I have the legal focus to regularly report these issues, XXXX & XXXX are frantically trying to end the entire conversation in a dismissive brute-force way, just like they unfairly brute-forced their entire legal attack in the first place. ( And see? I didnt even have to mention the identity theft this time! ) Just for reference, this is the feedback I provided XXXX days ago on XXXX XXXX XXXX : XXXX case number XXXX was closed automatically today after being marked as a duplicate of this earlier case XXXX. Well, I completely fail to understand or agree with that notion, considering XXXX immediately identifies NEW lies that XXXX & XXXX are blatantly committing in this CFPB conversation, and THEN it adds them with the old cases to further illustrate the shenanigans XXXX & XXXX have always been committing since they decided to turn themselves into a legal opponent for no reason last year. The first option CFPB provided me in the email I just read said I should try to provide feedback on the case through the CFPB site, so here I am. Their second recommendation was to contact the company, but that's not an option at all. I've stated repeatedly how XXXX & XXXX routinely ignores emails. And I'm not about to get in a phone conversation, not with how they're already acting in writing. No one even answered my question from a previous case ( XXXX ) : What document is XXXX XXXX XXXX XXXX when he says I've already sent a written request ( previous to XXXX ) that says he's only supposed to contact me in writing? That certainly IS my request right now, but I couldn't find documentation I made that formal request at all prior to XXXX. But, whatever. The only other recommendation CFPB gave me was to look for private legal help, which... I've already been doing that! So I guess this is where things stand for the moment.

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