Date Received: 2022-11-09
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX, the credit company has refused to return a payment back to me as a consumer. For a purchase. They also have re issued the payment back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter XXXX years ago this had been resolved. I spoke to the company XXXX XXXX who stated they notified XXXX XXXX I paid them in full so fiancing was not needed. I spoke at XXXX who gave me the reference number sent XX/XX/21 reference # XXXX to XXXX stating there was no debt due and to close it. I called them and was told by management my records were deleted due to charge off. I had them removed from my credit over 3 years ago after I proved to XXXX there was no debt. Now XXXX years later they are still harassing me and are now suing me for a debt that does not exist. I still have all receipts made to XXXX and XXXX has emailed them to me as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, i went to Sams club to open up a membership. The cashier was in a rush and frustrated because the register XXXX were not working. She very fast started explaining the benefits to the regular membership and the plus. I went for the plus membership since it seemed like the better option. A few days later i got a notification from XXXX XXXX saying i opened a credit dual card and i was not aware that what i got was a credit card. I do remember the cashier telling me to input my social security and annual income and that i could lie on it that it dosent matter and she dosent know why it asks. So i figured it was just a policy for me to input both but now it affected my credit score and i did NOT want a credit card nor did I know i was applying for that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX XXXX had sent a 2 payment by conditional acceptance payment for SYNCHRONY BACK account XXXX for the amounts of {$1700.00} and. {$1400.00}. The payment was in the form of accepting the remittance lower part of the statement by accepting the credit or presentment turn it what is called bill of exchange as negotiable instruments to discharge the balance of the credit card ending in XXXX. Under HJR XXXX Congress gave remedy to discharge out debt by creating negotiables instrument since there is no lawful money to pay with. XXXX XXXX gave the people provision to pay every obligation by ARTICLE XXXX XXXX that all negotiable instrument as currency. Congress made the people act as pirate bankers to write out negotiable bills to discharge debt obligation black law dictionary 5 th edition page 133, defines banking. The Federal U.S. courts states that you are no longer to pay with legal tender notes or federal reserve notes. the Money is limited to legal tender is NOW rejected meaning the FRN is not a form of discharging the debt or payment of a debt. XXXX XXXX XXXX XXXX XXXX vs. XXXX, XXXX XXXX XXXX ( XXXX ), a Federal US court of appeals ruled on Title 31 USC 5118. As of XX/XX/XXXX, Federal Reserve Notes legal tender for discharge of debt is no longer required. XXXX. The giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX. XXXX. The use of a ( federal reserve ) 'Note ' is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. XXXX. XXXX XXXX ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v XXXX, XXXX S.W. XXXX. XXXX. That ( federal reserve ) 'Notes do not operate as payment ' XXXX XXXX XXXX. XXXX v XXXX, XXXX S.E. XXXX XXXX. XXXX. Federal Reserve Notes are valueless. See IRS XXXX XXXX XXXX ( XXXX ) C.C.H. ). These are XXXX and XXXX. Laws and regulations under federal reserve regulations. FRN is only used in the medium of exchange for goods and service at the time of payment or transactions. Under the provisions XXXX XXXX XXXX XXXX passed this law so you can use negotiable instrument to discharge debt by using exempt account. This is only way to discharge debt or off set the balance. a commercial presentment under section 3-501 ( 1 ) Unless excused ( section 3-511 ) presentment is necessary to charge secondary parties as follows : ( a ) Presentment for acceptance is necessary to charge the drawer and endorsers of a draft where the draft so provides or is payable elsewhere than at the residence or place of business of the drawee, or its date of payment depends upon such presentment. The holder XXXX XXXX XXXX may have the option present for acceptance any other draft payable at a stated date for payment on the due date which by law should be posted no later than 2am the following day it the law. SYNCHRONY BANK had 72-hour rule to not accept the contract and return all payments to the sender which the failed to do. According to law SYNCHRONY BANK never put FRN or currency into circulation and SYNCHRONY BANK can not ask for payment by currency since the loan was not made at all. HERE IS THE CODES to back my claim / USC 31 3121 PAYMENT OF OBLIGATION / 31 USC 5103 COMMERCIAL INSTRUMENT IS LEGAL TENDER /. 31 USC 5115 COMMERCIAL INSTRUMENT ARE LEGAL TENDER FOR PAYMENT OF DEBT. / HJR 192 PUBLIC POLICY 73-10 PASS BY CONGRESS XX/XX/XXXX, SYNCHRONY BANK has accepted the legal notice conditional acceptance agreement and the payments which they have gave credit on the account ending XXXX and now they are by denying payment with no official document of the laws and reason why the payment is denied. SYNCHRONY BANK had accepted the payments and posted as payments was made. SYNCHRONY BANK reflects the activities but the balance and the credit was available and the credit limit did not match and it does not balance. I and my husband brought this up to there attention but still remain not equaling the out and does not make any since. I XXXX XXXX XXXX paid with negotiable instrument which I had put my signature and my exempt trust account on the back of the remittance which is a actual cash coupon. it was a cash coupon. In U.C.C. article 3 all negotiable instrument act as money or actual cash value. SYNCHRONY BANK did recieved actual cash value payments SYNCHRONY BANK I have ask for my negotiable instrument which I have my signature and my ss trust account on the payments which is my property to please send them back, but never did. I ask for a official letter. SYNCHRONY BANK kept the negotiable instrument because it was a cash money order and they know there is no way to proof such a transaction would be back up by a bank. IT WAS A ACTUAL CASH VALUE PAYMENT JUST LIKE CASH. the payment is the receipt of a cash payment was made. I have proof that the actual cash value money order was accepted and delivered by the XXXX with the tracking number and the form 3811 form which was signed SYNCHRONY BANK insists on saying its companys policys not to accept the form these form of payment, but company 's policies are not laws and using their policy to void there obligation to accept any payment by a negotiable instrument. SYNCHRONY BANK is racketeering activates under 18 USC 1961 SYNCHRONY BANK IS IN VIOLATION BY FEDERAL LAW WHICH CLEARLY STATE BY THE NATIONAL BANKS CAN NOT LEND ITS CREDIT. XXXX XXXX. In XXXX XXXX XXXX XXXX vs. XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX, ( XXXX ), it was stated, " It has been settled beyond controversy that a national bank, under Federal law, being limited in it's power and capacity, can not lend it's credit by guaranteeing the debt of another. In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and XXXX Bank XXXX XXXX XXXX Bank, XXXX F XXXX XXXX, XXXX XXXX. " A national bank has no power to lend its credit to any person or corporation ... XXXX v. Needles Nat. Bank, XXXX F XXXX XXXX XXXX XXXX, XXXX denied in XXXX s.ct XXXX, XXXX XXXX XXXX, XXXX LED XXXX. The payment sent. the laws and legal tender are no longer to be used to pay debt with. this is my complaint and the laws which is backing up my claims XXXX XXXX REFUSE TO RECONGIZED THE LAWS GIVEN BY A LETTER THAT WAS SENT WITH THE PAYMENT.SYNCHRONY BANK has kept my negotiable instrument as payment which is became a asset as cash. The negotiable I instrument is my property and SYNCHRONY BANK never sent them back nor a official letter of the laws backing up their denial for payment. SYNCHRONY BANK is asking for payment in a form of FEDERAL RESERVE NOTE and the court has rule tha FEDERAL RESERVE NOTE was rejected a legal tender and you can not use to pay any debt. THERE IS ONLY TO DISCHARGE DEBT ONLY UNDER THE XXXX XXXX which CLEARLY SYNCHRONY BANK REFUSES TO ACCEPT. THE LAW IS THE LAW AND COMPANIES POLICY ARE NOT EQUITY LAWS UNDER U.S.C. AND U.C.C. CODES which is the laws to make payment. SYNCHRONY BACK IS CLEARLY ACTING IN BANK FRAUD and there is only proof by the laws. question for SYNCHRONY BANK IF THE LAWS STATE BANKS CAN NOT LEND THEIR CREDIT WHOS CREDIT ARE THE LENDING AND THE FEDERAL COURT STATED IN THE RULING ON OCT 27, 1977 TENDER PAYMENT IS REJECTED. PLEASE TELL M HOW TO MAKE A PAYMENT. NOTE TELL ME BY LAW AND. FEDERAL RESERVE NOTE ARE ONLY PAYMENT AT THE TIME OF THE TRANSACTION. READ THE LAW OR COURT CASES. [ [ [ [ It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' XXXX and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX SC XXXX, XXXX XXXX XXXX ( XXXX ). ] ] ] ... checks, drafts, money orders, and bank notes are not lawful money of the United States ... '' State v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. [ [ [ It has been settled beyond controversy that a national bank, under federal XXXX being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' XXXX and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX SC XXXX, XXXX XXXX XXXX ( XXXX ). ... checks, drafts, money orders, and bank notes are not lawful money of the United States ... '' State v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. ] ] ] ] SYNCHRONY BANK IS COMMITTING BANK FRUAD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX I walked out of XXXX XXXX and XXXX XXXX XXXX XXXX. Walked into a Guitar Center with a POCKET FULL OF CASH! Paid in cash for things SUCH AS : XXXX XXXX XXXX ( {$1200.00} ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$400.00} ) XXXX XXXX ( {$400.00} ) XXXX IXXXX XXXX ( {$400.00} ) The team at THAT TIME saw potential to steal from my pockets while shopping and pressured me to leverage MY CAPITAL against their CREDIT CARDS because the STORE could benefit from " people like me. '' SO I GAVE THEM AN AUTOGRAPH!! Since then my CAPITAL and PROFIT has been TREAD by representatives of the company and credit reporters and groups/banks. My PATENT WAS INFRINGED... My intellectual property has been COMPROMISED and maintaining the SPECIFIC MIND I WAS BORN WITH is now washed and ultimately incorporated with a SCANDAL. MY BUSINESS, REPUTATION, NOTATION, AND LIFE HAS BEEN STOLEN AND DESTROYED. I HAVE INSTRUMENTALS CREATED A XXXX AGO THAT HAVE BEEN COPYRIGHT INFRINGED TO XXXX XXXX THAT I CAN'T EVEN GO TO THE COPYRIGHT OFFICE ABOUT! XXXX XXXX XXXX have ultimately HACKED MY TOOLS. I AM GOING INTO TRIBAL CONSULTATION!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 I received a letter from Synchrony Bank that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by Synchrony XXXX XXXX XXXX on XX/XX/2022 listed on both my XXXX and XXXX Credit Reports credit reports. I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. I have submitted Fraud Alerts to both XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Synchrony Bank via Pay Pal Credit Card allowed a fraudster to open an account in my name using a fake e-mail address and an old home address that I had not lived in for almost 6 years. This was identified by me being denied a legitimate card request through XXXX XXXX via Synchrony bank. This process started in XXXX, first fraud reveiw was filed in XXXX, XXXX was in XXXX XXXX, and now the 3rd one just started on XX/XX/XXXX. The Fraud department denied the first filing because they said I RECIEVED BENEFIT and MADE PAYMENT which I did none of. The 2nd Filing was denied because they said that they could not get ahold of me to verify that I did not start the account???? Now the 3rd time they advise that it will be reviewed and corected by XX/XX/XXXX. Each time I have had to update my credit reports that the account is fraudulent, I have had to lock down my credit completely, my credit score has dropped 40 points, and I have been denied a car loan and the obvious credit card. Forcing me to use invested savings in a down market.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello Reviewer, My credit score has been negatively impacted because of a false statement produced by Synchrony Bank. Synchrony closed my Guitar Center credit card because of ; a lack of real estate information, balances on accounts too high compared to credit limits, too few accounts paid as agreed and not enough balance paid down over time. Synchrony Bank is in violation of the Unfair, Deceptive, or Abusive Acts or Practices stated in the XXXX XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX. I do own real estate, I have paid all my debts on time with Guitar Center/Synchrony and even paid off my debts early on two accounts. I have not gone over my credit limit. I requested to increase my credit limit with Synchrony and they accepted it. They set my limit to {$2700.00} and I had only spent {$820.00} recently. This is a utilization of 30 %. I have never been delinquent on any payments with Synchrony Bank in regards to the Guitar Center card and have paid off my balances before they were due. With the Guitar Center card I had, I took out a total of 3 loans. 2 in XXXX and XXXX in XXXX. Both loans from XXXX were paid off before their due dates as I had a 24 month 0 % APR financing. The most recent loan was for {$820.00} and 0 % APR for 48 months. I have made all payments on time with this most recent loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Allegro credit closed my account with one payment remaining. Have been making payments each month for about 20 months and am ahead of billing. Now, I go to make the last payment and account login doesn't work. They also do not pick up their phone even during their scheduled business hours and it just says not open for business. I think they are perpetuating a scam and trying to make me late or not accept this last payment in order to bill tons of interest. Similar complaints are on the XXXX website. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Billing statement was returned to Synchrony bank for no reason caused by me. I had always paid bill on time at Lowes in person. Synchrony stopped use of card due to lack of payment. Ispoke to representative and asked for another statement to be sent to my same address. I called them upon receipt and gave my bank information to have direct payment made. The rep for Synchrony said payment went through and was credited the amount of XXXX which was balance as of XXXX. The following month a received a statement for {$42.00} which I paid. Then i received a notice that my bank did not pay the XXXX. I called Synchrony and they said I only owed the XXXX. On XX/XX/XXXX I opened a correspondence stating that they had issued a credit to my account for the amount not paid supposedly. I went into local Lowes and was told I owed nothing per their records. They are not linked to Synchrony so they have no cross check to see what is on a card. On XX/XX/XXXX another correspondence from Synchrony stating that the XXXX cancelled check was never cashed by Synchrony so that is why it was not posted to my account... I went to XXXX which is my bank and got all information regarding my account and no where does it show Synchrony requesting these funds. Sychrony has reported this to credit bureaus which is bogus after all I've done to pay this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A