Consumer complaint received 2016-11-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Other

Complaint:
On Friday afternoon, XX/XX/2016 I looked into the health program that is offered by " XXXX '' located at : XXXX XXXX XXXX XXXX , XXXX, Virginia XXXX. XXXX : XXXX. The XXXX employee " XXXX '', cell phone number XXXX was the employee that explained the program to me. XXXX. The XXXX employee told me since it was late Friday afternoon and we could not reach my XXXX and left him a message, just to go ahead and sign the papers, take a starter kit and if my XXXX, XXXX XXXX said that I could not participate in the program, that I needed to return the unused/unopened starter kit and nothing would be charged to me before 1 week, the following Friday at my scheduled first day of participating in the program which would give My XXXX, XXXX XXXX the time to evaluate the XXXX program and to get back to me. On the following Sunday afternoon, XX/XX/2016 XXXX XXXX responded and told me that the XXXX program would be detrimental to my XXXX and that I could of NOT participate in the XXXX program. I immediately texted the XXXX employee on the cell phone number that she gave me to text or call her on as soon as I found out ( her personal cell phone ). She " XXXX '' responded and said that " I was not charged anything, nor would I be charged anything ''. For prudence sake, I additionally went on to the Planet Wellness website, I went to the section that says " contact us '', and I wrote and email to the same effect, that my XXXX stated that I could not participate in the program. I documented both the text message and the same message that I sent via the XXXX website. From the time of " XXXX '' having me sign the contract and then acknowledging my text communication on Sunday afternoon to her with my XXXX directive to not participate in the program, approximately 2.5 hours maximum elapsed. One of the papers that " XXXX '' had me sign was a credit application to a credit card called " Care Credit '' that is issued by Syncrony Bank. A few months later I received notification via a computer program that I have called " XXXX '' which is a credit report monitoring program. It notified me that I had a negative item that had posted to my credit score from Synchrony Bank. I had never heard of Synchrony Bank or Care Credit. After investigating I found out that XXXX charged the maximum amount to that credit application they had me fill out to a tune of {$1500.00}!!! When I asked XXXX about it, they said " XXXX '' had been fired as a result of not following company policy and I was still being charged because part of the service I recieved was a " scan '' by a computer mouselike device that I laid my XXXX on and the radio waves that the XXXX, regular desktop computer emitted while I was sitting at the desk filling out paperwork, " custom-programmed '' the fluid in XXXX ounce bottles on a molecular level, so only I could use them now ... also the cost of the computer to evaluate me was {$690.00} and that they were actually doing me a favor ... When I disputed this with " XXXX '' at Synchrony Bank, he stated that XXXX sounded very hoky/XXXX, but he was not a court/judge so he could not take away all of the charges because he can only go by the contract and that I should take further action that just a dispute with his bank ( Synchrony Bank ), PLEASE HELP ME with these SCAMMERS!!!

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