Consumer complaint received 2022-06-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid 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:
I ask Synchrony Bank for a full refund of {$3600.00} that I paid to them without my authorization and without requesting a Care Credit card. ( 2018 ) I paid Synchrony Bank that sum of money for 24 months so that my credit would not be affected. Not because he agreed to such a charge. 
Reasons for my claim I never applied for a CareCredit card from Synchrony Bank, nor did I authorize or sign any payment to Dr XXXX XXXX 's XXXX medical office. 
This Synchrony Bank CareCredit card was created between the medical office Dr. XXXX XXXX and Synchrony Bank. Then the doctor 's office charged the amount he wanted without my authorization, I never had a physical medical report for payment or arrangement that came with Dr. XXXX XXXX, nor did I sign anything, I was never in his doctor 's office, and I do not know him. 
I previously made a claim to Synchrony Bank with ( Cfpb Consumer Financial ) of interests that I did not understand, clarifying those interests and withdrawing them Synchrony Bank CareCredit said interests which I was satisfied but surprised by the other amount of the medical office. 
The Cfpb office referred me to low-cost legal help to fix things with the doctor. The lawyer told me to talk to doctor. I sent him a letter. I did not receive a response. 
I tried to locate him by phone to doctor, who would explain to me what he did not understand that collection of money the doctor refused to talk to me unless he signed documents. 
I took him to court for small claims, the doctor virtually appeared and said that I have no claim because I never attended his office and I have not signed anything between the medical office and myself. Which the Judge and the Dr are right. 
I was not present in said transaction nor did I request the Care Credit card, it was created without my consent. I never sign anything for them. I am a veteran, and I am treated  by XXXX XXXX in the VA, that is why I did not know about the Care Credit System how it works because I never needed it Low-cost legal advice referred me again to Cfpb because things are not clear here as Synchrony Bank authorized this payment without my consent and to investigate more extensively why I have been harmed with said payment that I did not authorize. 
I am now informing myself how this card was created, and I asked for a report from Synchrony Bank who signed and who submitted verification which they agreed to send me in 15 days to 30 days and it's been 5 weeks it still hasn't arrived I'm waiting for it. Because in their regulations they approve a card in 7 business days and how the Card was created in my name XXXX XXXX and without passing that regulation the card was approved and the same day the card was created the doctor 's office collects the money that I don't understand either. 
The physical card arrived after 1 month and a half, but the doctor 's office had access to this card the same day they created it without being aware of it. I didn't know the card number or any other number, but I started paying because I didn't know. Where to complain at that time and he had never experienced one of these incidents. 
Thank you very much for reading my case, I hope this is clarified and my money is returned to me.

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