Consumer complaint received 2019-03-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2019 myself and a friend went to a XXXX XXXX office for a " FREE '' consult by the end of the apt I was told I needed all kinds of work done. the office manager asked if I wanted to continue with the having the work started. I said yes then she asked how I wanted to pay for the services. gave me a couple of options ( i.e. XXXX XXXX care credit, XXXX XXXX, or care credit ) after appling for XXXX XXXX  as I already have an account with them I was denyed. so she went with care credit which I was approved for. I was not informed of the very high interest rate or any fees. I was told by care credit I would get my card and Info in the mail in 7-10 business days and to wait for the card. before I left the office on the first visit they made a 2nd apt for me on XX/XX/2019. after leaving the office on the 1st appt. Not really realizing that I would not have my card by then I call the XXXXl   office back on XX/XX/2019 as I knew the office manager would be in that Saturday. She said not to worry and to call care credit and try to get my card number over the phone and gave me a that customer service number to call. I call the number and was told that I could not get my number over the phone yet. and was told to just call the care credit on the day of my next appt. when I was at the XXXX  office to get the number.. I said ok so I called the XXXX office back and told the office manager what care credit had told me. When I get to the office for my 2nd appt. and say I will call the care credit ti get my number I was told by the office manage that she had already called and got my number .... How is it that I could not get my card number when I called but the office manager was able to abtain it days prior to the 2nd appt. and charged the card the intire amount of {$8500.00} to the card 2 days be for my appt. I was told by the office manage that my payments would be {$140.00}. a few days go by and I receive my card and interest rate of 26.99 %. Really I have excellent credit score neary in the 800. was my score even taken into account??? I think not. then a few days after that I receive my first care credit card bill showing that I have a fixed rate intrest rate of 16.90 % for the {$8500.00}. but any new charges would fall under the 26.99 %. I also saw that my payments were not as I was told at the {$140.00} and in fact they would be {$210.00}. Before I ever stepped foot into this XXXX office I spoke with the office manager and asked about what ins company they accept and how much the services would cost as to not waste my time or theirs. I am on a fixed income due to my XXXX and she said just come in for the consult and we could talk about that. so I did and now I'm in debt for {$8500.00}. already charged to the card I not even received with all the paperwork showing fees and intreset rates. If I would have got the information in the mail prior to the XXXX office calling to get my card number I would have never done anything with that XXXX office or care credit. I was misinformed, miss led and have been taken advantage of. I called care credt and closed the account and have put in a disput to them already. Also I never got an intemized invoice for Phase 1 of the XXXX work which by the way is always {$8500.00} no matter the person or what is needed. he {$8500.00}. charge alredy charged a.care credit also told me that they could not change my intrest rate and that the only one that could would be the XXXX office. I call the XXXXXXXX office to ask if that was true and it is. she was will to give me 0 % for 2 years but if it is not paid in full by the 2 years then I would owe all the intrest from the past. and it would revert to the 16.90 %. the office manager was willing to give me her valet parking spot on appt. days as the cost of parking was {$33.00} for the 2 appts. I feel the synchrony finance along with care credit and the XXXX  office of XXXX XXXX XXXX XXXX XXXX are using unfair and predatory lending practices.

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