Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Complaint XXXX for XXXX XXXX XXXX XXXX XXXX : CareCredit Account Number : XXXX XXXX XXXX XXXX XXXX. 
( serviced loan ; XXXX XXXX XXXXXXXX XXXX ) Loan ID : XXXX Provider XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, Texas Summary XXXX In XX/XX/XXXX, I financed dental treatment through both CareCredit and XXXX XXXX XXXXXXXX XXXX The treatment was defective and harmful, leaving me with chronic pain and bite dysfunction and requiring corrective specialist care. 
Texas State Board Findings : On XX/XX/XXXX, the Texas State Board of Dental Examiners ( TSBDE ) issued a Remedial Plan against XXXX XXXX XXXX ( Case No. XXXX ). The XXXX found that he : Failed to meet the minimum standard of care, Left open margins on XXXX XXXX  ( # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ), Violated multiple provisions of the Texas Dental Practice Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exact Loan Details : Loan ID : XXXX Amount Financed : {$13000.00} disbursed directly to XXXX Be Smiles Total Purchase Amount : {$15000.00} ( I paid the remaining amount as a down payment ) These figures come from my Cherry loan agreement and payoff confirmation.

CareCredit Account Details : Account Number : XXXX Amount charged for this course of treatment was approximately {$18000.00} ( based on my statements ; the account records reflect the total financed with CareCredit ). 
Provider Admission / Inadequate Offer : In a written response ( XX/XX/XXXX ), XXXX XXXX acknowledged at least XXXX defect ( a slight open margin ) and offered a {$3500.00} refund. I rejected this as inadequate because the XXXX confirmed multiple additional violations across several teeth. Importantly, the crowns involved were splinted together in rows of XXXX and XXXX teeth. Because the open margins run across these splinted sections, the defective work can not be repaired piecemeal. The entire splinted units must be removed and replaced, which makes the {$3500.00} offer completely unreasonable in light of the true corrective costs. 
Requested Resolution : Full cancellation and refund of all charges related to this provider on both accounts : CareCredit ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$15000.00} total purchase, {$13000.00} financed ) Removal of any negative or disputed credit reporting related to these accounts. Any other relief the CFPB deems appropriate. 
Attachments Provided : XXXX XXXX XXXX ( XX/XX/XXXX ; Case No. XXXX ) Original complaint filed with XXXX XXXX XXXX written response and {$3500.00} refund offer ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX ) CareCredit account documentation ( statements/records showing the charges related to this treatment ) Consumer Statement : I should not be held financially responsible for services that a state licensing authority has confirmed were below the standard of care. I am requesting that CareCredit and XXXX XXXX cancel and refund these charges and that all related negative credit reporting be removed.

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