Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Authorized representatives : XXXX XXXX XXXX Executive Secretary, XXXX XXXX DBA Manager of Quality Assurance, XXXX XXXX XXXX President/Director and XXXX XXXX XXXX Vice President/Director, of XXXX XXXX XXXX XXXX XXXX are demanding {$620.00} XXXX XXXX XXXX XXXX XXXX damaged my credit files on XX/XX/XXXX, and XX/XX/2024 with inaccurate information. 

XXXX XXXX XXXX XXXX, obtained my social security number solely for the purposes of forcing me to tender a debt they have no first-hand knowledge of. I am the victim of these circumstances, if I dont pay XXXX XXXX XXXX XXXX XXXX they will continue to damage my credit files. 

I did not receive a demand for payment notice, nor a detailed explanation via USPS to allow proper disputing of their claim of {$620.00} for the honorable exchange goods and services. 

XXXX XXXX XXXX XXXX, are prime examples of debt XXXX that abuse their authority in efforts to force consumers to pay debts that they have no first - hand knowledge of. 

I have not signed or provided the release of my private information to allow proper disputing of their claim of {$620.00}. Exactly how did XXXX XXXX XXXX XXXX, obtain my private information? Who released it? 

I did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX access to my social security number to damage my credit files. 

XXXX XXXX XXXX XXXX, are debt collectors demanding a debt on behalf of a company not mentioned purposely. I have not received goods or services from XXXX XXXX XXXX XXXX. 

I am formerly requesting the alleged original creditor to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to XXXX XXXX XXXX XXXX, releasing my private information. 

XXXX XXXX XXXX XXXX, is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

XXXX XXXX XXXX XXXX, do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of a company not mentioned purposely at the expense of my private information being on display to whomever. 

I am not a party to any agreements XXXX XXXX XXXX XXXX, may or may not have with a company not mentioned purposely I am not responsible for XXXX XXXX XXXX XXXX purchase / transfer from a company not mentioned purposely. 

XXXX XXXX XXXX XXXX, is a corrupt debt collection company that does not provide authorized representatives when aiming to negotiate. 

Present authentic contractual agreements supporting XXXX XXXX XXXX XXXX, and I have agreed to honorably conduct business. I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of a company not mentioned purposely. 

XXXX XXXX XXXX XXXX, does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. 

XXXX XXXX XXXX XXXX reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. 

I have included all proof in the attachments.

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