Consumer complaint received 2015-06-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/2015 I received CareCredit preapproval XXXX for expected dental work which I was advised could present letter with XXXX forms of ID to any dental provider.
XX/XX/2015 I booked a "free" consultation XXXX.  I was given only XXXX plan of treatment estimated $XXXX  Advised XXXX dental office I need to discuss with husband prior to commitment.  Was advised by XXXX of need to make down payment on date of starting any work, that is when I showed him my preapproval which he took a picture with his phone and went to the computer and raised the credit line to XXXX without my approval.   I later learned he also charged the $XXXX and I now believe he presented a forged signature to CareCredit when I advised them I did not authorize this charge.  I XXXX notified Care Credit by phone XX/XX/XXXX of the charge not authorized but agreed to call back after talking to dentist to request he reverse the unauthorized charge which XXXX refused to do, so on XX/XX/XXXX I filed the unauthorized charges dispute with Care Credit and again on XX/XX/XXXX asked XXXX to reverse this charge for services not received and also requested he reverse fraudulent charges to my insurance company.  All of which he refused.
The folloup visit after the XX/XX/XXXX "free consultation" was on XX/XX/2015 - upon checkin was asked for down payment, advised would not make down payment for prior estimated plan as did not approve and arrived early to discuss other options
Was advised XXXX to go ahead with XXXX procedure XXXX and would fully discuss new treatment plan and understand all charges before left dental office that day.  Did not happen.
XXXX miscellaneous other work which I never understood or received any explanation of charges for even though I called several times between XX/XX/XXXX and XX/XX/XXXX and was only advised could make an appt on XX/XX/XXXX to speak with XXXX as he was only XXXX authorized to discuss my treatment and charges and was out of town until XX/XX/XXXX despite he filed claims XX/XX/XXXX and XX/XX/XXXX (very hurriedly) as he knew I did not approve of the preestimate given XX/XX/XXXX .
XXXX would not discuss alternate plan on XX/XX/XXXX stating it would cost additional XXXX to make any changes to plan.
XXXX has now presented to CareCredit XXXX stating offer to refund $XXXX and that $XXXX is for services rendered which are absolutley false.  Only work I can confirm is a XXXX estimated on original pre-estimate of $XXXX XXXX.  He has fraudently been reimbursed by my dental insurance $XXXX for $XXXX charged for Free Consult and XXXX never received all part of the preestimate I did not approve or go back for. CareCredit states they have to go with Dentist charges even though I did not authorize the charge as they presented a signed receipt(I believe forged) and statement of services.  When asked how I can complain about their inability for a fare dispute process they told me to google it or go to BBB that XXXX Care Credit did not have to give me who to further dispute against Care Credit with.

Company response to consumer: Closed with explanation