Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I bought a {$2000.00} XXXX  XXXX coupon in XX/XX/XXXX. On my first visit to the XXXX XXXX XXXX XXXX XXXX, I was charged to my Walmart/Synchrony Bank Mastercard the amount of {$1700.00}. The XXXX XXXX company was sent a claim for {$420.00} the same day. On XX/XX/XXXX a XXXX claim was sent in for {$1800.00}. I could never get anyone from the company to give me any clue as to why these types of charges were going through as they also charged me about {$620.00} to my XXXX XXXX account and never reported to insurance but after a couple months of complaining, they did reverse that charge. My {$2000.00} credit never seemed to get applied and in XX/XX/XXXX I was sent an email from a new employee that the doctor would not redo the start of the XXXX, as the XXXX XXXX that is XXXX into XXXX fell into my mouth at home a few days later so both the Office Manager and the Doctor said they would redo the XXXX for free. Later they decided to arbitrarily drop me as a patient, did not do any of the XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. He would only accept EMERGENCY care for the next 30 days. So, basically, I had paid {$1700.00} and received no valid services. I thought the ordeal was over but on XX/XX/XXXX a REBILL showed up on my Mastercard/SynchronyBank card for {$1700.00} again. This is an unauthorized and fraudulent transaction that Synchrony Bank has refused to remove. I have now been assigned a Special Agent for Law Enforcement for the State of North Carolina to investigate for Insurance Fraud and other criminal activities as well. Almost on a daily basis after escalating a Customer Service call four times to get to management that some of my information did not get uploaded properly the first time I disputed the XXXX charge, so I had to start over. Almost on a daily basis I sent further PROOF to Synchrony Bank. Their last letter to me from Synchrony Bank told me I had not shown 'proof of return '. I returned a fax to them that I had no idea what they meant. They also stated I could sent in additional information but gave no idea of what they needed. On almost a daily basis you can see from the secure messages, that I sent several letters a day with attachments of agreements, forms, proof of charges, proof of {$2000.00} credit XXXX coupon I had purchased. Told them the XXXX XXXX XXXX XXXX XXXX never sent me a statement, yet the agreement called for two statements a month. The Synchrony Bank manager I spoke with said that XXXX XXXX XXXX XXXX XXXX sent in over 15 pages of information to support their charges but I have been unable to get copies from the bank or the dental office. I did ask her to look at the proof and see if she noticed a notation that work could not be done unless authorized by me as they were attempting to get me to sign a one year plan of attack on my dental work for {$30000.00}. They said I had to sign the document to get any work done but I told them I could never spend that amount and I would notate on each page, which as fairly thick that authorization had to be obtained before continuing. She said she did now see that handwritten on the dental page.