Vehicle loan or lease -- Problems at the end of the loan or lease -- Complaint #6402748
Complaint Overview
Complaint ID: 6402748
Company: Synchrony Financial
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problems at the end of the loan or lease
Sub-Issue: Unable to receive car title or other problem after the loan is paid off
State: Florida
ZIP Code: 34759
Date Received: 2023-01-05T12:00:00-05:00
Date Sent to Company: 2023-01-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Synchrony bank Fraudulent account. Release the Lien or I'm going to file a federal lawsuit for a {>= $1,000,000} against you for violations of TILA, tax fraud, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud, GROSS MISREPRESENTATION and etc. Attached, 1099 A, 1099 C and UCC lien. Any agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error for {$32000.00} paid in full. I'm going to write a complaint to the Attorney General, Better Business Bureau, FTC and send you a notice of default giving you 15 days for my payment. I will be filing a lawsuit against your company for a million dollars in damages etc! My million lawsuit against XXXX XXXX for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting. 2. Verification of your claim against me. A signed invoice or sworn affidavit. 3. A copy of the contract binding both parties ( XXXX XXXX and XXXX XXXX ). 1. I need full Disclosure. I was not told that I was actually creating the credit. 2. Equal Consideration, XXXX XXXX brought nothing of value to the table and XXXX XXXX had nothing to lose. 3. Law terms and conditions were based on fraud! 4. The wek ink signature of both parties. Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error to pay in full and release the lien in your system with motor vehicle. Re : XXXX Account # XXXX, VIN # XXXX, Make : XXXX XXXX XXXX, Model : XXXX, UNIT IDENTIFICATION # XXXXXXXX XXXX XXXX and MOTORCYCLE acct # XXXX, Make : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Civil liability. Civil liability for willful noncompliance. XXXX U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. united states constitution article 1 section 10 Clause 1 Treaties, Coining Money, Impairing Contracts, etc. No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
Frequently Asked Questions
What is Complaint #6402748 about?
Complaint #6402748 was filed against Synchrony Financial regarding Vehicle loan or lease specifically about Problems at the end of the loan or lease. It was received by the CFPB on 2023-01-05T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.