Consumer complaint received 2025-12-31 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: FL

Complaint narrative:
XX/XX/XXXX, an electronic complaint was submitted to the Florida Department of Agriculture and Consumer Services, Case Number XXXX... 
XX/XX/XXXX, Refer To : XXXX, Re : XXXX XXXX.... 
XX/XX/XXXX, Consumer Financial Protection Bureau, XXXX XXXX XXXX..... 
Care Reference : XXXX XXXX and its high-pressure coercive tactics to increase enrollment with CareCredit Synchrony Bank experience on XX/XX/XXXX, XXXX..... 
.... Deep teeth cleaning at XXXX XXXX, XX/XX/XXXX. 
.... Regular teeth cleaning at XXXX XXXX, XX/XX/XXXX. 
.... Regular teeth cleaning at XXXX XXXX, XX/XX/XXXX. 
... Maintained {$00.00} XXXX balance until XX/XX/XXXX, when XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and CareCredit Synchrony Bank charged me {$1800.00} for regular teeth cleaning covered by XXXX, of which Im responsible for a minimal co-payment ( Patient Responsibility ) as I had paid for prior teeth cleaning services at this location.... 
On XX/XX/XXXX, I DID NOT RECEIVE MEDICINE AN TWO CUSTOM-MADE DENTAL TRAYS, but I was given a small bag... ( for the first time at XXXX XXXX was I given samples )... containing... one bottle of mouthwash ( {$27.00} ),... a sample XXXX XXXX XXXX  toothbrush ( Not For Retail Sale ),.... two sample size tubes of toothpaste ( Free-Sample, not for retail sale ),.... and a sample size of XXXX dental floss at XXXX XXXX..... 
Im willing to pay for " SERVICES RENDERED '' ( {$150.00} ) not " PENDING SERVICES '' for which I NEVER NEEDED NOR REQUESTED.... I've been falsely charged, " PHANTOM BILLING, '' for services that I HAVE NEVER RECEIVED..... 
I NEVER returned to XXXX XXXX. Therefore, only financially responsible for the regular teeth cleaning ( without treatment ) and the bottle of mouthwash ( total services rendered XX/XX/XXXX ).... I was TOTALLY unaware that PENDING SERVICES COULD NOT BE CANCELLED.... I tried several times in XXXX and XXXX of XXXX to contact XXXX XXXX to inform them that I was not returning to their practice for pending treatments and the two custom-made trays, but each time I called, the office personnel said... the office manager is busy, out of the office, not in the office, shes absent today, and or she will return your call. ''.... Each phone call resulted with the only person that can address the billing concern is the office manager and she will call you back. 
XXXX and XX/XX/XXXX, I tried to contact XXXX XXXX, but to no avail. Unresponsive, total lack of communication with XXXX XXXX regarding this {$1800.00} CareCredit Synchrony Bank account.... 
XX/XX/XXXX, an electronic complaint was submitted to the Florida Department of Agriculture and Consumer Services, Case Number XXXX... 
XX/XX/XXXX, XXXX XXXX : XXXX, Re : XXXX XXXX.... 
XX/XX/XXXX, Consumer Financial Protection Bureau, XXXX XXXX XXXX... 
XX/XX/XXXX, before the teeth cleaning session began, the Dental Hygienist told me I needed treatments that cost almost XXXX XXXX dollars, to which I replied, " I came here to have my teeth cleaned. '' ( I had an XXXX appointment ).... Repeatedly, I stated, I didn't come here today to pay thousands of dollars. I cant afford that treatment plan.... The hygienist said that my teeth could not be cleaned without that plan..... Again, I told her that I only wanted my teeth cleaned..... The hygienist said that XXXX XXXX had hired a very nice new office manager and the office manager would help me. The hygienist said that I needed to speak with the office manager before she could clean my teeth. The hygienist exited the work area without cleaning my teeth. I sat in a reclined position waiting to have my teeth cleaned.... ( I did have money for Patient Responsibility co-payment not covered by XXXX ).... EXITED, the Dental Hygienist..... 
I WAS UNAWARE that SAGE DENTAL OFFICE MANAGER and DENTAL HYGIENIST, were EXPLICITLY TRAINED and incentive bonuses motivated to boost sales, to employ high-pressure coercive tactics to increase enrollment with CareCredit Synchrony Bank XXXX... 
ENTERED the office manager around XXXX ( approximately four minutes after the dental hygienist exited ) with an electronic device with Care Credit application.... .Again, I said that I could not afford the services. The office manager talked for over an hour about various subjects, until I had no choice.... Her spiel left me weakened and confused about getting my teeth cleaned as I had hoped... .Then the office manager assisted by using my cellular phone ( I lacked the tech skills ) and her electronic device, entered information for Care Credit application.... Repeatedly, I said I can not afford the money and I only came to have my teeth cleaned. When asked by the office manager, What is your income? I responded, " XXXX  '' to the office manager. I thought XXXX annual income would end this nightmare but she continued entering information ( I had been retired for seven years experiencing XXXX  earned annual income, in the lower 10 % federal income tax rate for XXXX which is up to {$11000.00} taxable ).... The office manager returned my cellar phone to me and directed me to sign my name. Again, I said, I cant afford those treatments. I came here to have my teeth cleaned not to pay XXXX XXXX dollars for treatments, I had no choice if I wanted my teeth cleaned but to sign as directed... The dental hygienist did not return to her work area to check on me during the one hour and forty-five minutes that the office manager was in her work area pressuring and coercing me to enter that unwanted, unrequested, unaffordable, and unneeded CareCredit Synchrony Bank account XXXX... EXITED the office manager about XXXX.... 
ENTERED the Dental Hygienist ( XXXX ) obviously informed of the CareCredit Synchrony Bank contract/sale.... Only AFTER the dental hygienist was informed by the office manager of the CareCredit Synchrony Bank contract/sale were my teeth cleaned by the dental hygienist,... which took ten to fifteen minutes. ... .... An additional five minutes to explain the follow-up treatment plan of four to six more appointments to receive prescription medicine for gums and make measurements for two custom-made trays for overnight treatments at home.... 
I was NOT EXAMINED by a DENTIST or by a Dental Assistant to confirm or to explain this greatly needed treatment plan presented by both the dental hygienist and the office manager..... EXITED I, from XXXX XXXX practice after XXXX with a small bag containing the following promotional samples :... two tubes of toothpaste ( XXXX XXXX. XXXX XXXX ) sample size,.. XXXX XXXX XXXX XXXX  toothbrush,... one mini dental floss case sample size,... a {$27.00} bottle of mouthwash... From XXXX to XXXX at XXXX XXXX XXXX XXXX. .EXITED I,... exhausted,... bewildered,... confused,... physically and emotionally drained,... and absolutely lacking comprehension or understanding of what had happened?.... 
I HAVE NEVER returned to XXXX XXXX... I AM financially responsible for the regular teeth cleaning ( without medical treatments and two custom-made trays ), and one bottle of mouthwash ( {$27.00} ).... I was TOTALLY unaware that PENDING SERVICES COULD NOT BE CANCELLED.... XXXX XXXX refused to respond about the PHANTOM BILLING on my account.... NO ONE with XXXX XXXX COMMUNICATED WITH ME REFERENCE {$1800.00} PHANTOM BILLING.... 
XX/XX/XXXX, XXXX XXXX of XXXX XXXX new office manager called me and said he would talk with employees about the billing and then call me back.... He has NEVER CALLED BACK.... His call came after I had filed a second complaint with CareCredit Synchrony Bank about XXXX  PHANTOM BILLING.... 
XX/XX/XXXX, I received a XXXX  billing statement for {$130.00} which I had paid ( via personal check ) in XX/XX/XXXX, but the check was returned. {$1000.00} + {$30.00}, XX/XX/XXXX payment = {$1100.00} paid to CareCredit Synchrony Bank.... I've paid for fraudulent charges to protect my CREDIT RATING, because I trusted that this issue would have been remedied in XXXX. On the XXXX  of each month, I must pay a minimum of {$30.00} to protect my credit score.... 
XXXX XXXX {$130.00} bill dated XXXX and XX/XX/XXXX was created/generated in XX/XX/XXXX after CareCredit Synchrony Bank contacted XXXX XXXX about the second dispute about PHANTOM BILLING of {$1800.00}.... I was UNAWARE that XXXX XXXX renders services to patients with unpaid balances. That financial courtesy would be highly sort-after and HERALDED by all patients!.... 
XXXX, I have had dentist examinations and regular teeth cleaning services total cost {$150.00} without recommendation of required special XXXX XXXX XXXX and mouthwash as XXXX dental hygienist and office manager said were medically necessary on XX/XX/XXXX, XXXX... 
Yes, I will allow deduction for XX/XX/XXXX XXXX regular teeth cleaning {$150.00} ( without medicines and two custom-made trays, PHANTOM BILLING ) plus {$27.00} for the bottle of mouthwash. ( That brand of mouthwash is more economical when ordered from XXXX ).... I was too confused... and.... exhausted on XX/XX/XXXX, to object.... ( as I had OBJECTED, refused to accept their bottle of mouthwash in the past ).... to that add-on purchase after that UNNERVING two hours and thirty minutes experience XXXX XXXX XXXX XXXX XXXX XXXX  ) of {$1800.00} CareCredit Synchrony Bank account XXXX.. .This is wrong... 
. 
XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX ).... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  several calls placed to :.... 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX.... 
XXXX XXXX XXXX, XXXX XXXX... 
XXXX XXXX, FL XXXX... 
XXXX... 
( I called the XXXX XXXX number, but the automated system repeatedly routed the calls to music, never spoke to a human ).... 
CareCredit Synchrony Bank and XXXX XXXX have refused to resolve this issue. Employees are fearful of disclosure ( employment security ).... Twice CareCredit Synchrony Bank and XXXX XXXX have refused to conduct a thorough in-depth investigation of the Phantom Billing... for such a high number of thirteen medical treatments/injections in the mouth and cleaning of teeth at the same time on XX/XX/XXXX,... which suggests malpractice, unsupervised over dosage of prescription medicine/drugs for a XXXX XXXX such as myself, at XXXX XXXX.... 
CareCredit Synchrony Bank informed me on XX/XX/XXXX, to make another payment due XX/XX/XXXX, on the {$800.00} balance of the {$1800.00} original amount because the second registered concern/complaint investigation has been concluded and closed with... ruling in favor of XXXX XXXX and CareCredit Synchrony Bank, again.... 
These two financial giants are continually exploiting and taking advantage of citizens as they amass a fortune... ACCOUNTABILITY?... 
This harsh and cruel treatment exacted on me is causing.... UNDUE distress emotionally,... physically,... and financially negatively impacting my well-being and budget.... 
" The fox guarding the hen house! '' In-house investigation is insufficient and can be prejudice and highly unfairly bias.... Therefore, independent impartial in-depth probe must commence to gain clearer understanding of the relationships among financial institutions ( CareCredit Synchrony Bank XXXX XXXX MEDICARE services providers ( XXXX XXXX )... employees ( office managers and Dental Hygienist, branch managers, clerks, supervisors, customer service representatives,.... decision making panelists and analysts, etc. ) and the... chain of incentives for all involved and invested participants in promoting unwanted credit card accounts..... 
XXXX XXXX and CareCredit Synchrony Bank need to refund all the money I have paid since XX/XX/XXXX through the last payment made, less the cost not covered by XXXX for XX/XX/XXXX, regular simple cleaning of teeth ( without thirteen medical injections and two custom-made trays ) and one bottle of mouthwash ( {$27.00} ). Willing to pay {$150.00} for cleaning teeth + {$27.00} mouthwash = {$170.00}. Then {$1100.00} - {$170.00} = {$930.00}.... 
I was taken advantage of,... pounced on, and.... corned by XXXX XXXX purposefully... and... explicitly trained/licensed professionals.... who highly pressured and coerced me into this UNWANTED, UNREQUESTED, UNNEEDED, and UNAFFORDABLE {$1800.00} contract with CareCredit Synchrony Bank when I repeatedly said,... " I only wanted my teeth cleaned..... 
Professionals, including medical professionally trained sales driven employees, should not use high-pressure sales tactics to manipulate innocent uninformed patients who do not know what questions to ask ( I didn't know what to ask ), especially those within 10 % to 22 % federal income tax rates, have XXXX XXXX XXXX XXXX XXXX XXXX to enter into unaffordable budget busting and financial responsibilities disruptive contracts. I dont want anyone to experience such an... unnerving... ambush.... as I endured on XX/XX/XXXX, XXXX... 
Im too old to be involved with such deception by MEDICARE HEALTH CARE PROVIDES, XXXX XXXX and CareCredit Synchrony Bank.... Filing complaints, making phone calls, rejection of the truth, refusal to investigate their own partner in crime, untruthful employees falsifying records to conceal and cover-up highly pressured tactics used oXXXX XXXX XXXX XXXXXXXX. Blessed with longevity, one day, all persons will become SENIOR CITIZENS.... 
Call us what you may, but we are strong innocent victims, dupes, puppets, instruments, pigeons, fools, sitting ducks, soft touch, etc.... SCAMMED by MEDICARE HEALTH CARE PROVIDERS.... Yes, the Consumer Financial Protection Bureau, FTC, and other watchdog agencies commitment to service give us hope, making us stronger than those against us. Thank you for taking " the road less traveled. ''...... Again, thank you for your services... Blessings, XX/XX/XXXXXXXX XXXX

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