Consumer complaint received 2023-11-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. On XX/XX/XXXX, I had a XXXX consultation with the XXXX XXXX XXXX XXXX  to learn the cost to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Office Manager ordered x-rays and during the consultation, the Dentist, XXXX XXXX, joined us they began to try to sell me for a special one-day XXXX  XXXX  that extracts and replaces teeth on the same day, I advised I was not a candidate because I was diagnosed with XXXX XXXX XXXX and I had only made the appointment to learn the cost of regular dental procedure, because I am XXXX and living on a fixed income. The Dentist left the room when she realized I was not interested in the same day procedure, and the Office Manager advised that since I was concerned about cost, she could contact CareCredit Card to increase my line of credit and I wouldnt pay interest for five-years. It sounded like a great idea, and the Office gave me a form to sign giving her permission to increase my credit line and before I signed made it clear if I was approved, I had XXXX caveat : that I must be informed of the amount of the increase in credit, before the amount is transfer to my credit card, and the Office Manager agreed. 
XXXX. At that moment, the Office Manager received a call, and said she had to leave immediately due to a family emergency, and she quickly scheduled a return visit to measure my mouth for the bridge. Before she rushed out the door, I asked her for a copy of the document I signed to increase my line of credit and she said Reception would print the document for me However, when I stopped at the reception desk, I was advised that the document was not in the system, and I was only provided with credit card receipt for {$180.00} that was not itemized and I didnt know what the charge was for. I also received a copy of projected cost for the proposed dental procedure, and the print was too small ready. I left feeling as if I was given the run-around. 

XXXX XXXX XXXX XXXX XXXX  AND CARECREDIT CARDS PROVEN DECEPTIVE PRACTICES On my way home, I was having second thoughts about my visit because everything seemed rushed and I didnt understand the treatment plan, what disturbed me most was that I did not receive a copy of the document I signed to increase my CareCredit line of credit. Even worse, when I checked my credit card balance on XX/XX/XXXX, I discovered that the XXXX XXXX XXXX XXXX  charged my credit card in the amount of {$2800.00} on the same day as my XX/XX/XXXX visit, without my knowledge. Most troubling was realizing that I had been scammed. As an investigative researcher by education and profession, I conducted research on XXXX XXXX XXXX XXXX XXXX and found many of their former patients had filed complaints on the XXXX XXXX XXXX website reporting how they had been about being charged for services never received by the XXXX XXXX XXXX XXXX ; I also learned that they dentist office is not accredited by the XXXX. Most revealing was a news article reporting that a court case, # XXXX, that seem to be still active, was filed against the dental office with a caption stating, Patient Alleges XXXX XXXX XXXX XXXX  Billed For Services It Never Performed. 
On XX/XX/XXXX, I filed a billing dispute against the XXXX XXXX XXXX XXXX and when I called CareCredit XXXX months later on XX/XX/XXXX for a status of my dispute, I was informed that my case was clothes because the XXXX XXXX XXXXXXXX XXXX had advised that they had completed all dental services. Under protest I responded that I had photo copy evidence and I was provided with a telephone number to send a copy of the photo XXXX XXXX. When I called a week later, I was advised the photo I sent was not in my record and I filed a new complaint on the same day ( XX/XX/XXXX ). 



On XX/XX/XXXX, I received a letter from CareCredit Customer that included a letter from the XXXX XXXX XXXX XXXX without a date, that contained numerous deceptive misrepresentations of material facts as follows : XXXX XXXX came in on XXXX  XX/XX/XXXX to have her front teeth extracted and replaced on the same day. XXXX XXXX made an appointment for XXXX  XX/XX/XXXX with the surgeon for extraction of her teeth ( mostly in front ; She then called XXXX  XXXX XX/XX/XXXX to cancel. We sent her a text on XXXX explain the flippers were already at the office in preparation for her XXXX the next day ( XXXX/XXXX/XXXX ). The Photo will show proof of fabrication and we also informed the patient that immediate appliances are customized to her mouth. ) My Response I visited the XXXX XXXX XXXX XXXX  on XX/XX/XXXX for a consultation and I did not agree to oral dentistry that extracts and replaces teeth on the same day, because I have XXXX XXXX XXXX and on XX/XX/XXXX, was advised they could not provide dental services to me because patients with XXXX XXXX XXXX experience significant blood loss that causes a loss of consciousness and a XXXX or XXXX XXXX. I was given a Medical Clearance for XXXX XXXX XXXX with advice to see my primary physician for XXXX XXXX XXXX treatment and when my XXXX XXXX normalized to have my Primary Physician to ign the form and return to XXXX XXXX, to complete dental services. 

I was still taking XXXX XXXX meds when I visit the XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and it was highly unlikely I would have agreed to such procedure to extract and place teeth on the same day, because I was still taking XXXX XXXX XXXX medication. 

In review, the XXXX XXXX  XXXX XXXX fraudulently inducement me to sign a document to increase my credit line with the understanding that I would be notified before of the amount of the line of credit and no changes would be made to my credit card without my approval, and their fraudulent actions caused me a considerable amount of emotional distress, because I was diagnosed with XXXX XXXX condition in XX/XX/XXXX.

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