Consumer complaint received 2017-09-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I am seeking assistance in my challenge of CARECREDT/SYNCHRONY BANK 's invalid an unauthorized charges for claimed services rendered by XXXX XXXX. When I was first billed by CARECREDIT for such an egregious amount, I complained to the XXXX office ( XXXX  ) directly because they had not performed the work that they had charged me for. In addition, I had not consented to all of the services that they had charged on the CARECREDIT card. The initial reason for my visit to XXXX was not even reflected on the credit application for Care Credit. When I pointed that out to the office, they explained that they were putting down some services and only needed my signature simply to see how much credit I could obtain from Care Credit ; basically, the specifically treatment sought was not important at that time. Once they got me approved for a certain amount, it seems like the goal was to create/come up with as many services as possible in order charge the maximum amount on the card. When I see the doctor 's office was not interested or trying to resolve the initial problem that I went to the office for, I had to actually go to another XXXX office to resolve my problems. When I told them I had decided to see other XXXX XXXX XXXX XXXX 's office insisted that since I had lots of unused money on the card maybe some of it ( to be precise {$390.00} ) could be used as prepaid for my daughter 's XXXX services. However, I learned from my wife she had initially paid {$630.00} out of pocket for prepaid services which had not been completed since my daughter went away to college ; then I cancelled the {$390.00} payment. It seems like XXXX XXXX office found all kinds of creative means of charging the maximum amount on the card. I then decided to file a complaint with CareCredit/Synchrony Bank. At first, the company tried to assert that I had lost my card and was trying to replace it. However, I drafted a full complaint and set forth the deceptive practices of the XXXX office. I explained how they were deceptive in how they coerce me into getting the Carecredit card, although I told them that I had XXXX insurance. In addition I also explained how they charged me for services that I had not requested and they had not rendered. I did not ask for or need any XXXX because I had problems in the past with XXXX  making my XXXX XXXX. But, XXXX XXXX proceeded to order these XXXX  which of course I never requested. She said they were already approved on the Care Credit card that 's why she ordered them ( with a grin on her face ) even if I do n't want them they will still get their money. After all of these interactions with XXXX XXXX and the lack of response and inaction from Carecredit/Synchrony Bank, I have realized that Carecredit/Synchrony Bank is working in collusion with the doctor 's office to fraudulently obtain authorization from patients to get a Carecredit card and charge as much money as possible. They both win at the expense of the patients.

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