Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Business Name : XXXX XXXX XXXX  Location : XXXX, Utah Date of Incident : XX/XX/year> Date of first contact by company : XX/XX/year> via phone call for appointment setup Employee Involved : XXXX XXXX -- - I was referred to XXXX XXXX XXXX by my physician to explore an alternative to XXXX  therapy. During my visit, I met with XXXX XXXX, who presented the product in a sales-pitch style meeting. He repeatedly stated that I could apply for a XXXX  ( XXXX ) 0 % interest loan to cover the portion of the device not covered by insurance. I agreed to a prequalification check and gave him my XXXX  card information after he told me I had been approved for the interest-free option. 

After leaving the office, I received an email from XXXX XXXX XXXX XXXX signed loan agreement which I had never seen, reviewed, or authorized. I did not give permission for anyone to sign the contract on my behalf. The contract revealed terms I had never been told : a XXXX deferred interest loan with a 24.99 % APR, where interest is waived only if the full balance is paid within XXXX years. This is not the same as a 0 % interest loan as stated during the sales process. 

I raised this issue immediately, but the company ( XXXX at XXXX XXXX XXXX ) refused to void the contract. They insisted I was bound to it, despite my objections and the fact that I had not personally signed or authorized the agreement. I believe this constitutes a deceptive practice under XXXX ( Unfair, Deceptive, or Abusive Acts or Practices ), and possibly fraud, given the unauthorized use of my personal and financial information to enter a legal agreement. 

It wasnt until I obtained legal counsel that the company agreed to cancel the loan. Prior to that, I was contacted via phone and text after business hours by XXXX XXXX, from what appeared to be a personal number. During those communications, I was pressured to either come into the office or agree via text not to leave a XXXX review, in exchange for canceling the contract. I was also told that pursuing legal action would result in the company countersuing me. I believe this coercion and the attempt to suppress my ability to share an honest review violates the XXXX XXXX XXXX XXXX ( XXXX ). 

XXXX submitting this complaint in the interest of consumer protection. I have a background in XXXX XXXX investigation, and based on my experience, I believe these actions raise serious legal and ethical concerns. This business should be reviewed for potential UDAAP violations and misuse of consumer data. I would also like to file the complaint with XXXX XXXX Bank XXXX XXXX are some how in partnership with XXXX XXXX XXXX. They, unfortunately for them, are part of this mess as they are allowing XXXX XXXX XXXX to speak on behalf of the loan/credit being extended as a XXXX XXXX vendor/contractor who clearly has no knowledge or should be authorized to speak about loans. By continuing the partnership, and based on my experience working with XXXX XXXX  at my place of employment ( XXXX XXXX XXXX ) know the requirements of talking about XXXX, XXXX, XXXX in XXXX XXXX disclosures, and other legally required disclosures at the time of signing a contract. This is a liability for the banks involved since XXXX XXXX XXXX is fraudulently putting at least XXXX person ( myself ) into a banking contract fraudulently and misleading the terms in which the loan truly is. 

Attached documents are the contract that i never signed or authorized the company to sign on my behalf, yet received in an email. The other image is a text from the salesman telling me its apparently been canceled ( which if he is telling the truth, account/loan needs to be canceled as XXXX XXXX  agreed to stop the sale and contract ).

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 non-monetary relief