Consumer complaint received 2018-11-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2016, I had a consultation with a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX, California who obtained my personal information through both my personal and medical history forms, such as my social security number, my date of birth and my income. This information was used to open a Care Credit account in my name at the XXXX XXXX XXXX XXXX in XXXX XXXX without my prior consent or knowledge. 


According to current legal regulations, a doctors 's office who opens a Care Credit account for a patient must wait a minimum of three ( 3 ) days before the doctor can preform any procedure ( s ) over {$1000.00}  on a patient in order to get paid by Care Credit. The XXXX XXXX XXXX XXXX in XXXX XXXX performed an illegal act by opening a Care Credit account in my name without my prior consent or prior knowledge on XX/XX/2016. When I called Care Credit, the representative that I spoke with confirmed that my account was open at the XXXX facility. In fact, I was working full-time on XX/XX/2016 in XXXX, California which is 89 miles away from my workplace in XXXX. 


My initial consultation with the doctor, XXXX XXXX, at the XXXX XXXX XXXX XXXX in XXXX XXXX was on XX/XX/2016. That was the day in which my procedure was initiated and completed. Not only did the XXXX XXXX XXXX XXXX in XXXX XXXX fail to inform me that they opened a Care Credit account in my name four ( 4 )  days prior to my initial consultation with the doctor who performed the procedure, but the treatment coordinator at the XXXX XXXX XXXX XXXX in XXXX, California intentionally withheld a critical piece of information during my treatment coordination consultation on XX/XX/2016. 

The treatment coordinator, XXXX XXXX, purposely withheld that the {$1000.00} used to schedule a consultation appointment with the doctor is non-refundable only until after the transaction was processed and completed. I felt coerced. Since there was no way to back out without incurring a financial loss, I felt forced into agreeing to have the procedure done with XXXX XXXX XXXX on the day of my initial consultation with the doctor on XX/XX/2016. 


In conclusion, the following two actions constitutes unethical, unprofessional and fraudulent activities on behalf of XXXX XXXX XXXX. First, withholding the fact from me that the {$1000.00} used to schedule a doctor 's appointment is non-refundable only until after the transaction was completed ( XX/XX/2016 ) and secondly, opening a Care Credit account in my name by using Personal Protected Information ( PPI ) without my prior consent or knowledge on XX/XX/2016. 


I am requesting that the complete amount of {$10000.00} be refunded immediately back to me since XXXX XXXX XXXX illegally opened a Care Credit account and processed the transaction with disclosing all the information.

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 monetary relief