Consumer complaint received 2018-12-29
Company: SYNCHRONY FINANCIAL
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) engaged in fraudulent and deceptive practice including bait and switch to offer XXXX  service and obtain payment through Carecredit / Synchrony card. 
On XX/XX/2018 I went to to XXXX XXXX practice for a XXXX  and XXXX covered by my insurance. While in her XXXX  chair she solicited me and convinced me to replace my XXXX with a XXXX  by offering me financing at 0 % for 5 years. She told me I was approved and immediately continue to work in my XXXX. During the middle of the procedure while XXXX XXXX  She came back with papers for me to sign. She never told me it was a credit card and never gave me any document with the terms and conditions. 
3 weeks later I received a credit card for {$7000.00} from Synchrony Bank/Carecredit for 26.99 % ( which she already depleted within minutes of being in the XXXX  chair. ) .Surprised at getting a credit card in the mail, I immediately contacted Synchrony bank to dispute the charge interest rate. Synchrony Bank/carecredit advised me to contact the vendor XXXX XXXX XXXX XXXX XXXX  which I did. After several calls to her office, her customer representative told me that they have contacted Synchrony Bank/carecredit to make the adjustment to reflect 0 % for 5 years. Several calls to Synchrony revealed that to date XXXX XXXX had not called Synchrony to have this information regarding the interest rate adjustment or corrected, Which lead me to believe that XXXX XXXX had been engage in bait and switch to receive and use the funds to her advantage causing me financial, physical, emotional, mental stress and anxiety. Its been over 5 months of pain and suffering because of the poor job she did on my XXXX  causing me to go to Urgent care twice as a result of her damage. I have been unable to sleep at night because of the anxiety and stress associated with the interest rate of this card and fear of seeing another XXXX  and possibility of filing bankruptcy. As a widow, I never would accept or even apply for a card that is 26.99 %. This XXXX was unnecessary because my XXXX  was ok. The only reason I accepted her offer was because she told me her financing is at 0 % for 5 years. 
I am disappointed that Synchrony bank would take side with the crocked XXXX who will eventually force me to file bankruptcy because of XXXX XXXX unethical and fraudulent behavior. I still can not believe that within minutes XXXX XXXX duped me out of a total {$15000.00} that included what my insurance covered and {$7000.00} from Synchrony bank. Despite the several calls to synchrony bank and to XXXX XXXX office to get this matter resolved I am yet to get justice. On XX/XX/2018 XXXX, a manager ay Synchrony bank told me he would reverse the interest rate to 0 % for 60 months. A month later i got a letter from Synchrony bank reversing that decison and was told that XXXX XXXX has to call in and make the changes. XXXX XXXX  representative from XXXX customer relations ( XXXX ) told me she called Synchrony bank to correct the problem. Synchrony Bank says they never receive a call from XXXX XXXXXXXX XXXX office. 
In light of this I am seeking your intervention in getting this issue resolved.

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