Consumer complaint received 2017-07-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This Complaint is related to another Complaint I filed today regarding a service provider  XXXX . I applied for a CareCredit card to pay off a veterinary bill accrued at  XXXX . The facts are as follows : My dog   XXXX   was discharged from a   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NY  XXXX  ) on   XXXX   XXXX  , 2017. On the day of his discharge I met with a   XXXX   employee called   XXXX   XXXX  . He informed me of the final amount of   XXXX   XXXX   bill and that he would be using the CareCredit card I was encouraged to sign up for by  XXXX  to pay the balance. At that time he showed me a form that limited my interest deferral repayment period to 6 months. I told him that was unacceptable and I would not be agreeing to that.
Prior to that day, at no point in time was I told by   XXXX   or CareCredit that my repayment period would be limited to 6 months.   XXXX   XXXX   charged my CareCredit account and I left without having signed the form. Since that day I have reached out to   XXXX   XXXX   employees   XXXX   XXXX    and   XXXX   XXXX   by email and telephone numerous times and told I would be getting a response, I did not until today.   XXXX   XXXX    called me back on   XXXX   and told me that I needed to call CareCredit and inform them that I never signed the 6 month deferment agreement form.
I had previously called CareCredit and was basically told that that was too bad that   XXXX   never told me about the interest rate or its promotional period and that there was nothing that they could do. I called CareCredit again today and they told me it was up to   XXXX    to fix. CareCredit also told me I was wasting my time calling to speak to them since there was nothing they could do. No one at CareCredit could explain to me how I was supposed to know that CareCredit had a separate agreement with  XXXX  that I was not privy to regarding how I would pay back CareCredit. No one at  XXXX  or CareCredit will take responsibility for the fact that they were obligated to disclose the interest rate and promotional deferment period to me PRIOR to charging my card.
I am a consumer that has been mislead by two large corporations for their failure to disclose material lending terms. The staff at  XXXX  while encouraging me to sign up for CareCredit failed to disclose the fact that   XXXX   would be dictating the terms of my repayment with CareCredit. CareCredit failed to provide the service provider with adequate guidance in clearly laying out the terms of the deferred interest loan prior to applying my credit. I did not even receive any documentation from   XXXX   regarding the terms of credit with CareCredit or the interest rate until the day of my dog 's discharge when they presented me with the 6 month interest rate deferment form which I refused to sign. As I applied for CareCredit online at the suggestion of   XXXX   there is no way I could possibly have known that the promotional period was only 6 months without  XXXX  or CareCredit disclosing that to me. In fact upon application, CareCredit should ask me where I intend on using it and inform me of the terms of my repayment or CareCredit should obligate   XXXX    prior to encouraging me to apply for CareCredit to disclose the terms of the agreement  XXXX  has with CareCredit. There is no way that I as a sole consumer would be able to ascertain the fact that   XXXX    and CareCredit have a separate agreement that I am not a party to and the terms of that agreement. I have advised  XXXX  and CareCredit that I want to pay my balance in a fair and equitable way. I should not be penalized because these two corporations have violated numerous consumer credit protections. I was never told by  XXXX  or CareCredit prior to their applying my credit that my interest deferment period would be limited to 6 months, in fact I explicitly objected to that. I ca n't understand how neither of these two entities are responsible or obligated to disclose to me this material lending term and how they can apply my credit without my consenting to all of the terms. I know CareCredit has been fined before for deceptive enrollment processes, inadequate disclosures and poorly trained staff I can state without reservation that this company continues to act with impunity and reckless disregard for the finances and wherewithal of its consumers and that should not be permitted to continue, it is a company with the resources to correct its failures.

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