On XXXX XXXX, 2015 I took my puppy that was XXXX weeks old to the emergency vet in XXXX California due to the dog getting attacked by another dog I was told by the doctor that the puppy had a cut inside his mouth that needed to be stitched up and had to be put under for the procedure I was first told by the doctor that the puppy jaw was not broken I I asked how much would this cost staff gave me an estimate of low-end dollar amount XXXX on the high-end {$3000.00} XXXX said it would all depend on how much work they have to do for his repair I did n't have the money so they said I could apply for credit so I asked my son to apply for the credit we were told by staff at the vets office that they charge the care credit company on the high-end dollar amount first due to the fact if Dr. has to perform other procedure on the animal that I would already been approved and only charge the low-end dollar amount and not be approved for the high-end dollar amount we were also told by staff at the vet that this was standard procedure and not to worry about the charge of {$3000.00} that if the doctor does not have to do anything extra at the vets office give the credit to the care credit acct. I left to go home I left my puppy there for them to repair the wind two hours later I received a call from the doctor stating that my puppy was worse than he thought at first that he had a XXXX that the XXXX and the puppy would not even be able to eat Dr. also stated that if you try to repair that it would cost {$17000.00} now I chose not to perform the surgery and to XXXX I was devastated the next day I received a phone call from the vet that I would be credited for the services due to the fact I chose to have and will XXXX approximately A month later we get a bill from Synchrony Bank that we owe {$3000.00} for the surgery performed on my XXXX we disputed the charges due to the fact the puppy with me was XXXX that there was nothing performed one week later we get a letter from the bank that they did their investigation and they find no fault because they received a letter from the doctor that we have not disputed the charges. I wrote the bank and inform them why would I dispute when I was told I was getting a credit and the charges were only known about when we receive phone call from the bank. I was showed a bill and charges the Dr said they performed on the puppy I. Those services where not preformed I Pointed out I was charged for a wound repair there was no repair because the puppy was XXXX I also informed the bank of all the other charges that was not performed but I 'm being charged. I gave the bank copies of charges that the vet bill that was not performed and I was told the only time they would credit the account if the doctor gives the money back to them I told the bank that he has gotten paid from you so he does n't have to worry about it and that I would be on the hook for this I told the bank this is a scam I have the letters to prove what I 'm saying I feel that I was taking advantage of in a cool way I would hope you could help us. I have no problem paying for the XXXX which was {$180.00} and then the office visit which included assessment and pain med {$200.00} in the office visit but other than that it should be no charges because there was no work that was done because the puppy XXXX