Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

North Carolina

Credit Card Issuer : Synchrony Financial FCRA/ CFR and FDCPA Credit Reporting Violations To Whom It May Concern : The process to resolve this credit reporting issue began when repositories - plus - received my certified disputes, challenging their reporting of item SYNCBANKJCP - - ; on Wednesday, -/-/2016, and Thursday, -/-/2016. Further, in my efforts to have the unverifiable listing deleted, I methodically completed ( as per the FCRA/ relevant federal statutes ) each required step of the dispute process, yet to no avail. NOTE : It was my intention based on the " attempt to collect a debt '' notation listed at the bottom of their inadequate Response dated -/-/2016, I ( seeking penalties of $1000.00 for each violation ) planned on filing with the North Carolina, - County Clerk of Superior Court


Yet, in-order to file a lawsuit against the referenced creditor, there needs to have a Registered Agent in - County, North Carolina ; to whom the papers could be served. But, after contacting the North Carolina Department of the Secretary of State Corporations Division it has been determined that since they only have one brick and mortar branch in the U.S. ( located in -, New Jersey ) there is n't a Registered Agent to serve. Hence, because of this absence I am unable to file a small claims suit against them. Therefore, as stated in my final correspondence to Synchrony Bank, if they continued to willfully disregard the law, I would and am escalating this matter to your office. Moreover, I have also filed similar complaints with the following governmental and consumer agency .... 1. The Connecticut Department of Banking 2. Better Business Bureau Serving Connecticut In closing, I do believe in the work you have done as an organization and want to thank you in advance for giving this matter the attention it deserves. Best regards, -. 1. - -/-/2016 SYNCB JCP Dispute 2. - -/-/2016 SYNCBJCP Response 3. - -/-/2016 SYNCBJCP Dispute 4. - -/-/2016 SYNCB JCP Dispute 5. -/-/2016 SYNCHRONY JCP Direct Audit 6. SYNCHRONY JCP -/-/2016 Response 7. Final Direct SYNCHRONY JCP Intent to Sue Notice