Consumer complaint received 2023-03-30
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
After a XXXX  in XXXX I gained XXXX pounds and in XXXX I decided to do some thing about it because consistent diet and exercise wasnt working. XXXX I wanted to lose weight to stay within height and weight standards at the XXXX XXXX military. After researching diet plan and gastric bypass options, I decided to go with a XXXX XXXX XXXX and go to XXXX XXXX XXXX. I went to XXXX XXXX XXXX XXXX XXXX and had a consultation with a consultant. She did not obtain my way to height on a scale or tape. She obtained no objective data during the consultation visit. She only asked me how tall and how much I weighed. Then she told me that they had per done many procedures on US military service members and had great success. Before the procedure risks were given, and I was given care credit application to fill out that day so I filled the credit application out and was approved for {$9000.00}. HOWEVER after reading everything I decided to change my mind, and a XXXX XXXX XXXX And they said that I could not reverse my decision because Ive already been paid for the procedure, and I would have to take it up with a care credit. I called care credit and they said that I owe them the money even though I hadnt had a procedure next I went ahead with the procedure. Unfortunately, XXXX XXXX, a board-certified XXXX XXXX  had inserted the XXXX XXXX, but he XXXX XXXX XXXX by XXXX. He gave the balloon a total amount of XXXX XXXX. It was an extraordinarily large amount given my short stature of XXXX. I became very ill and turned yellow. I also had constant projectile vomiting and explosive XXXX ( 2 weeks ). I was severely dehydrated and I went to the ER. the md at ER said the XXXX  looks like its XXXX  on my XXXX and my XXXX. They tried to contact XXXX XXXX @ XXXX XXXX XXXX and were not able to do so. Next, they told me that I needed to have an emergency procedure to have the XXXX taken out but they didnt have anyone there trained to do it. I needed to go back to the surgeon. I called the surgeons office and they said he was out of town and I asked for the on-call doctor and they didnt have an on-call doctor. ( This is called medical malpractice ), I had to wait in excruciating pain for XXXX hours after I called his office for him to respond to the emergency procedure. When I was at the clinic, they made XXXX comments about me that they thought I couldnt hear, but I was totally able to hear everything that they were saying ( While I was in excruciating pain and undergoing a medical emergency ). after the XXXX  was out, XXXX, XXXX XXXX didnt follow up with me. ( Again, this is malpractice on XXXX XXXX ) They didnt our order any testing or any labs. I went to my doctors office because I was still very XXXX My medical lab showed that I had elevated XXXX XXXX. To this very day I am not able to have a normal XXXX XXXX most likely because of damage to my XXXX and XXXX XXXX. I contacted the Oregon state medical board and made a complaint about XXXX XXXX and they made him change his practice standards at the XXXX XXXX XXXX. I made a complaint so that it insured that XXXX XXXX was accountable for his actions and to make a paper trail of what they did to me because unknown to me a XXXX XXXX XXXXXXXX had killed a woman and XXXX Washington months before what happened to me in XXXX Oregon. Next I started receiving nonstop care, credit demands for payment then I was harassed on the phone and then I started getting synchrony, bank collection, letters, and threats to take me to court. I have disputed the care credit, XXXX to present. I think its XXXX XXXX would just go with what the clinic was telling them and the clinic was telling them lies that I had, and disputed the amount within XXXX hours, and that I had a perfect outcome, XXXX XXXX XXXX and CareCredit/ synchrony bank. Started harassment, letters, which I disputed over the last XXXX  years. I recently disputed the account and received two letters from synchrony bank ; a dispute letter and a you still owe us letter both arrived on XXXX XXXX XXXX. 

This was a medical procedure and a medical debt. I was injured because of the procedure and XXXX XXXX malpractice as evidenced by the Oregon XXXX XXXX XXXX XXXX, taking action to make him redo his standards of practice at his office. 

Furthermore, unknown to this United States military service member of XXXX XXXX XXXX was absolutely not allowed under the United States uniform act two in place a XXXX XXXX  in the United States military service member. The US surgeon generals office XXXX notice if. NO XXXX XXXX  is allowed in US service members was printed and sent to care credit and a XXXX XXXX XXXX  after their continued harassment to pay the debt.

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