Consumer complaint received 2025-06-07 00:00:00
Product: Credit 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
State: MI

Complaint narrative:
On XX/XX/year>, I arrived at XXXX XXXX XXXX in XXXX, GA to meet with a woman identifying herself as XXXX XXXX, owner of Faces by XXXX and XXXX XXXX XXXX, the merchant CareCredit is affiliated with. The location, however, is not registered to her or her company she was illegally operating out of another medical offices breakroom after hours, with no known license or lease agreement. 

Upon arrival, XXXX XXXX 's friend immediately asked for my CareCredit information, despite my clear verbal confirmation that I would be paying in cash only. I paid her in cash for the services provided. Without my knowledge or consent, she later illegally charged my CareCredit card for the same services. When I attempted to dispute the transaction and obtain documentation or a receipt from her, she blocked me from all lines of communication.

CareCredits Failure to Protect the Consumer : CareCredit denied my dispute, claiming the merchant provided a receipt.

However : That receipt was never given to me despite multiple direct requests.

The merchant has refused to respond to my formal communications.

The charge was unauthorized I paid in cash and never signed or approved any transaction on the CareCredit account. 
The merchant is conducting illegal medical procedures in Georgia while being licensed only in the XXXX XXXX. 
The merchants business, XXXX XXXX XXXX, is registered in New York, but performed the unauthorized service in Georgia a state in which they are not licensed to operate. 

Ongoing Investigations : XXXX Police Department ( XXXX XXXX ) : A criminal complaint is currently open. 
Georgia XXXX XXXX XXXX : Investigation led by XXXX XXXX XXXX regarding unlicensed medical activity. 
Medical Evidence : MRI scans, before-and-after photographs, and licensed U.S. practitioner evaluations confirm I was injected with unauthorized, likely illegal substances.

Video Evidence : The procedure was recorded and shows the location, nature of the service, and the absence of any legal disclosure or licensing. 
XXXX XXXX XXXX : Has confirmed that XXXX XXXX is not legally affiliated with their business and operated without approval. 

Why CareCredit is Complicit : CareCredit XXXX XXXX XXXX ) continues to support and protect a criminally operating merchant : They approved a charge from a merchant who illegally charged my CareCredit card, and robbed me. 
CareCredit is enabling a merchant XXXX XXXX XXXX XXXX ) to remain registered and process transactions through their platform, despite the business being licensed only in New York while performing unauthorized medical procedures in XXXX, XXXX they are not licensed to operate. 
They refused to provide the evidence submitted by the merchant, despite initial claims that I could request documentation by email and now require me to mail a letter. 
They accepted fraudulent documentation ( a receipt I never received or signed ) without verifying authenticity or obtaining a copy of any agreement or contract. 

Legal and Regulatory Accountability : This situation violates numerous consumer and financial protections including but not limited to : Fair Credit Billing Act ( FCBA ) Truth in Lending Act ( Regulation Z ) State Medical Licensing Requirements Federal Trade Commission Act ( Section 5 - Unfair/Deceptive Practices ) By refusing to vet merchants properly and approving a charge made without my consent, CareCredit has made itself complicit in fraud, medical malpractice, and consumer deception.

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