Consumer complaint received 2022-02-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX/ Had a Lowes credit card and Care Credit Card both issued by synchrony bank. Just out off the blue one day they cancel my cards ( they said my credit score went down and they have a right to do this ). This was after i used it at the XXXX. 
On the Care Credit Card I used at my XXXX I needed XXXX  XXXX  work. XXXX  XXXX  were cracked and front 2 were broken off. XXXX charged the card for the whole amount of {$3600.00} in XX/XX/XXXX and stated with care credit we have them pay the full amount upfront. I was told before leaving that The ( my ) XXXXXXXX  had retired I thought he was off that day. And was told it would be billed to the XXXX  that helped me get things in place, to put XXXX XXXX  on my XXXX the next visit. They never called me to tell me my new XXXX  were ready. I called them 1x a week for I believe 4 months nothing. In the meantime another Covid-19 outbreak, my husband passed away and then my sister which threw me to left field. I finally got a call back mid XX/XX/XXXX stating the practice was sold and patients went along with the new business practice. I said hey they took molds of my XXXX and I was to come in to get them placed. Them : Oh we're not going to be open for business until later XX/XX/XXXX- XX/XX/XXXX and it will be under new owner management. In the meantime I'm making payments on the care credit card and they are charging me because they canceled my credit with them synchrony and I been paying a {$44.00} a month late fee, a not paid in full promotion offer of i believe it was 60 months. Then I start getting over the limit charges, late fees and a humongous interest rate to boot. Plus they hit my credit report! I've contacted customer service and have them a verbal dispute. Nothing updated that was in XX/XX/XXXX. They need to cancel the {$3600.00} XXXX charge and have the previous XXXX  reimburse synchrony back. NOT ME I didn't get a medical service from them! 
They should " synchrony bank care credit ) pay me back by reimbursing what I've paid to them and their late fees, over limit whatever fees and bad credit report and give me all my payments back regarding this {$3600.00} purchase I never received! I now have a huge hit from them on my credit report. I didn't receive any notice from the XXXX office and this is just insane! I will not pay {$3600.00} to you for something i never got fixed!? I want Reimbursed for every payment I made already, PLUS THEIR TACK ON FEES! I CAN'T EVEN LOG INTO MY ACCOUNT TO CONTACT THEM AT THEY SUGGEST. To top it off this WAS emergency XXXX work. Took my credit card charged it and didn't do nothing! They didn't even send me a patient any news on what was going on! 
Summary : ... XX/XX/XXXX I was charged {$3600.00}. Contacted them they wouldn't help me. I want this taken off my credit report and it marked paid on time. Consumer closed. Since I contacted them. I believe they are now sending to collections! Please help! I'm a XXXX widow and this is clearly fraud and extortion on a XXXX widow. I they have 30 days until XXXX XXXX, XXXX to correct this insurance fraud and mail me my money back in form if a check with the late fees, Over limit, promotion fees. I was never told by synchrony what the % of interest and all that other stuff I was supposed to owe them?

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