Consumer complaint received 2018-10-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To whom it may concern, on XX/XX/XXXX, I XXXX XXXX had a XXXX XXXX at the ( XXXX XXXX ) at XXXX XXXXr XXXX XXXX, XXXX, GA XXXX. Prior to the XXXX all XXXX XXXX did to prepare me for XXXX was looked at my head, ran a comb through it for about 20 seconds, took some pictures and asked me when did I want to come in for XXXX. I am a XXXX XXXX and I take lots of medications for my XXXX and XXXX XXXX XXXX. 

Prior to XXXX XXXX XXXX never cleared me through my XXXX doctor or anyone else to see if I was a good candidate for the XXXX XXXX XXXX. After 6 months and 12 months I went back to XXXX XXXX and told him my hair was not growing. He looked at it and said it takes at least 18 months to see improvement and he told me to come back in 6 months. So I waited 6 more months for improvement and still there was no hair growth around XX/XX/XXXX. I called the XXXX XXXX and made an appointment to see XXXX XXXX in XXXX. When I went in to see him I wanted my money back because my hair didn't grow. Hw told me he had a new product called ( XXXX XXXX Therapy ) that he wanted me to try and that he would pay for it. I agreed to have it done but the product had to be ordered, so he told me to come back when the product came in. So I went back and got the XXXX XXXX   therapy and he told me to come back XX/XX/XXXX and not before so he can see if it worked. 

When I went back on XX/XX/XXXX, the XXXX XXXX had closed and his office was empty. At that moment I was in shocked and devastated, thinking my money was gone forever so I started crying! Since then, I contacted XXXX XXXX through Synchrony XXXX and filed a complaint with them. They said they would do an investigation and that they have a way of getting my money back from him because they have an account for XXXX XXXX from which they can take the money from. After 60 days I called XXXX XXXX back for a follow up and they told me the case was closed and that they did not do an investigation because they have their money and XXXX XXXX has his money. They sent me a letter telling me they were going to investigate the matter and that was all I have heard from them. I have attached the letter from Synchrony XXXX. The letter is in XXXX XXXX 's name because he is the primary card holder and he filed the complaint in my name as we live together. I have also attached several before and after XXXX photos of my hair. 

In closing, this is my second complaint filed against Synchrony XXXXk about this specific complaint. The first complaint was filed with the Georgia XXXX XXXX XXXX on XX/XX/XXXX and I haven't heard anything from them as of this date. I have also attached a copy of that letter for this complaint. I am seeking to recover the {$7000.00} I paid Synchrony XXXX for my XXXX XXXX that didn't grow my hair. XXXX and I believe this is the real reason why Synchrony XXXX  closed his account in the first place. They knew I was trying to get my money back for this case so they may have closed his account to keep us from charging {$7000.00} to XXXX XXXX thinking we would not pay the money back which is not the case. 

Respectfully, XXXX XXXX

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