Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX * XXXXXXXXXXXX XXXX, XXXX ONLINE COMPLAINTConsumerfinance.govDear Sir/Madam : I am filing a complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX for the Care Credit charges on account ending in XXXX ( their letter of denial attached ). 
I did NOT receive the 'quality ' of dental work I paid for and XXXX XXXX cause a medical problem with XXXX XXXX, and XXXX XXXX in addition to giving me an Rx for the wrong medication I am allergic to. XXXX XXXX " refused '' to take telephone calls from the pharmacist at XXXX, XXXX XXXX told me so that he can, " go to hell ''. Each XXXX was trying to blame the other for the mistake. The Rx should have never been issued in the XXXX place cause me to go into XXXX 

In addition. On page XXXX ( XXXX ) of how disputes are handled, number XXXX ( XXXX XXXX, it states that, " you, the doctor,, may be charged back if your documentation does not accurately and fairly resolve the dispute ''. XXXX XXXX told Carecredit he tried contacting me, which is an outright lie, to resolve this dispute ; There are no telephone calls to my home number or cell number from XXXX XXXX, nor did I receive any mail from them indicating he was trying to resolve the issue. I have asked XXXX to email me all the dates that I was seen from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I do not have that information as yet. I spoke to someone at Synchrony bank today, she was going to do a conference call with XXXX. She got back on the telephone and said, " their office does not open until XXXX today ''. She did not call me back to do a conference call. I kept going back complaining of XXXX XXXX hurting. XXXX XXXX finally said, if it continues to 'hurt ' we 'll pull it out! '' I had a XXXX, why did n't he see it? 

Also on page XXXX ( XXXX ) under Care Credit Refund Policy, XXXX paragraph, it states that they have established a refund policy within a short window of time, no longer than five ( 5 ) days. I was still " UNDER '' the care of XXXX XXXX at that time before I knew there was a big problem that all the pain I was in was do to an XXXX that XXXX XXXX was not treating and the XXXX left in XXXX of the canals! 

Furthermore, under there " A No REFUND policy were no services / products were rendered is not acceptable. It states that consumers who have received " some '', but not all, of the paid services/treatments, will receive a prorated refund from the provider for the cost of services/treatments not yet received. XXXX XXXX did " XXXX XXXX XXXX, XXXX XXXX and left XXXX # XXXX and untreated XXXX. ( Do you actually think I am going to let him do anything else to my teeth? ) Or, if a consumer can show a " medical reason '' ( he issued a wrong XXXX causing XXXX ), for cancellation and the provider has not processed a refund, Care Credit/Synchrony Bank will find in favor the the consumer and chargeback the transaction regardless of the provider 's disclosed refund policy. Since XXXX XXXX did not incomplete root XXXX ( XXXX, XXXX XXXX, he left an XXXX XXXX that required me to be on antibotics, and XXXX XXXX XXXX XXXX as well as the botched up work, in my opinion on XXXX XXXX, that caused the XXXX and a dentist had to be seen to pull the XXXX, he caused a real life medical condition that had to be treated by professionals. ( The list of dentists seen is also attached ). 

See attached letter for complete details as the letter maxed out this section.