Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Background : This complaint is a continuation of complaint XXXXXXXX XXXX XXXXXXXX, with new supports included. 

Since XXXX I have : - Not consented to use Care Credit for medical services : several phone calls, several emails and several disputes requesting to void documents presented by the merchant with my signature. Despite my request Care Credit Synchrony Bank and the merchant ( Laser Spine and Pain Institute ) continue pushing me to pay with care credit and be responsible for charges to cover therapy sessions. 
- Opted to pay cash directly to merchant XXXX XXXX and XXXX XXXX. 
Dispute : - Despite multiple dispute letters and requests, Care Credit Synchrony Bank continues to : -Open and close disputes without resolution : I have spent more than {$500.00} on faxes and print out to send support to Care Credit Synchrony Bank XXXX all of them ignored. 
-Rely on merchant-provided documents with my signature, which I have rescinded : I have requested several times that any document with my signature provided with consent/requesting Care Credit should be voided. I rescind using Care Credit Synchrony Bank for medical expenses, since XXXX. 
-Hold me responsible for the balance ( {$7000.00} ) : I opted to pay cash to any merchant, after account reconciliation. The merchant ignored my request to provide written invoice correction and instead kept on calling me and pushing me to pay with care credit ( {$7200.00} ), charges that I do not approve. 
-Care Credit keep on calling me pushing me to be responsible for the charges : The time invested in jeopardizing my job due to repetitive calls from both merchant and care credit. 

Requests : XXXX. Remove the disputed account from my credit report. 
XXXX. Update the account status to " Closed '' with a {$0.00} balance : I request no involvement from Care Credit Synchrony Bank for any charges with any merchant. 
XXXX. Correct any errors not aligned with my consent to not use Care Credit Synchrony Bank for medical expenses, with any merchant : I've been experiencing issues with inaccurate information presented by the merchant and misrepresentation. I'd like to create a XXXX XXXX and request your assistance in documenting these events until resolution. 

Additional Context : I have : - Escalated this case to the XXXX XXXX XXXX XXXX XXXX ) and with the Texas Attorney Generals Office - Sent numerous dispute letters and faxes to Care Credit Synchrony Bank ( over {$500.00} spent ) - Received letters from Care Credit Synchrony Bank with copies provided by the merchant misrepresenting my experience and ignoring my consent to void documents with my signature Notice of Rescission of Authorization : I rescind any authorization for Care Credit usage from XX/XX/year> onward. Consider this my official declaration that I do not require or authorize Care Credit Synchrony Bank for medical expenses. 

Merchant : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Merchant Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Phone : XXXX Doctor : XXXX XXXX ( DC ) Summary of Key Events : XXXX. XX/XX/year> : I saw and responded a XXXXXXXX XXXX for {$47.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XX/XX/year> : Visited XXXX, met XXXX XXXX XXXX, and she signed me for some documents " to see if I qualify for a plan that offered a better rate and better price than CASH '', those were her words. One and a half week later, I received an envelope from Care Credit, I open and I found " Congratulations you have been approved to cover your medical treatment with merchant XXXX, a plan for {$7500.00} ( XXXX sessions ). 
XXXXXXXX XXXX XXXX XXXX  : Received consultation and the first laser ( suppousedely covered with the XXXX ad for {$47.00} ), and I also received XXXX pulse-wave sessions, experiencing increased pain. 
She enrolled me in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a 92 % effectiveness and great results. But I raised my concern earlier, after only XXXX ( XXXX XXXX XXXX XXXX that the treatment was giving more pain. After XXXX I received therapy session on XXXX, XXXX, XXXX, XXXX only XXXX XXXX. I stop the pulse-wave session on XXXX due to extremely pain in my feet ( the pulse-wave therapy session really gave me pain and did not allow me to walk back to my car ). 
XXXX. XX/XX/year> : Requested anti-inflammatory prescription, due to exacerbated pain after the pulse-wave session ; XXXX XXXX arranged XXXX with XXXX XXXX ( XXXX ), because she said she can not provide prescriptions. The meeting XXXX XXXX XXXX never occurred. 
XXXX. XX/XX/year> : Contacted Synchrony Bank Care Credit because I received an envelop with a " Welcome to Care Credit ''. They told me it was about the total cost of the therapy sessions from merchant LSPI. I told them I cancelled the therapy sessions, due to more pain, therefore I needed to cancel that plan/care credit ;. 
XXXX. XX/XX/year> : Contacted LSPI to cancel treatment and to request invoice for cash payment ; They sent me an invoice for the entire cost of the treatment {$7500.00}. XXXX, she continuesly calling me that I needed to go back to her office to finish the entire therapy sessions. I told her that I am not interested in continuing the treatment and I wanted to pay cash, not using Care Credit ( she was very mad ). 

Dispute overview and requests Throughout my interactions with merchant, XXXX, I have consistently attempted to : XXXX. VOID all documents bearing my signature, citing misrepresentation and lack of consent XXXX. Request a corrected invoice for cash payment after reconciling charges XXXX. No Care Credit Synchrony Bank involvement However, the merchant has : XXXX. Mispresented my intentions, falsely claiming I was unwilling to pay XXXX. Disregarded my legitimate concerns that the therapy sessions I took exacerbated my pain XXXX. Ignored my decision to discontinue treatment charging me the entire cost of the treatment sessions XXXX. Incorrectly insisted that I return to their office to complete treatment already covered by Care Credit Deceptive and scam business practices : 1. Misrepresentation of treatment costs and cancellation policies : How she enrolled me in that Care Credit. I do not need Care Credit to cover medical expenses, I have enough cash and multiple credit card options ( with 0 % APR ) to cover expenses.

2. Lack of transparency regarding my pain, regarding the cost per therapy session.

3. Ineffective treatment and increased pain. 
XXXX. XXXXXXXX XXXX XXXX is a classical example of Deceptive and scam business practices : XXXX does not respect promises as advertised on XXXX. She wants to charge me for the first XXXX XXXX on XXXX which it is supposed to be covered with the {$47.00} XXXX ad XXXX XXXX XXXX uses another name " XXXX XXXX '' responsible for the billing department, but is the same woman with the same voice of that XXXX XXXX XXXX. She is the same woman, doing the Billing Department. She sent emails on XXXX  after XXXX XXXX, if that is really the Billing Department should be under regular business hours and not on Sundays.

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