Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My complaint is about my belief that XXXX XXXX committed fraud and scammed me to sell a Furnace that was way above what it ordinarily sells for. I have lots of proof about the actual average cost of installation of the type of XXXX XXXX XXXX wanted to sell me. I will mail you the proof by registered mail or I can email PDFs of the proof if you give me an email address. 
XXXX and financial crimes represent a form of criminal activity with the ultimate aim of theft. These crimes involve deceit and false statements. XXXX crimes may include a one-time abuse of trust or a large-scale scam. Unlike common theft or robbery, they do not occur in the open. 
By XXXX XXXX | Legally reviewed by XXXX XXXX, XXXX. | Last reviewed XX/XX/XXXX I was contacted by XXXX XXXX sometime in XXXX to perform a maintenance check on my XXXX and Furnace. The cost was on sale for {$99.00}. A little background information about the relationship between me and XXXX XXXX. I was a customer for a few years and dealt with the owner, XXXX XXXX XXXX. I trusted this firm to be honest and give me a good price which was competitive. 
A man named XXXX XXXX came out on XX/XX/XXXX to do this maintenance check. I didnt know him. It only took him XXXX minutes to complete his testing. He told me that the XXXX was fine but the Furnace was burning at XXXX degrees. He said that is dangerous and the Furnace should be replaced. He offered no evidence and I wasnt able to go up to the attic and have him perform the test for me. 
My health is not good. Im recovering from a total XXXX XXXX XXXX last XXXX. I cant climb ladders, have to use the stairs one-at-a-time, and the XXXX used in my XXXX made me very sick!! XXXX XXXX XXXX XXXX and dont feel well most of the time and certainly didnt want to deal with a Furnace issue, so I agreed for the Furnace to be replaced. Remember, I couldnt and cant climb a ladder up into an attic to check anything or stop anything that may go on. 
He said he would replace the old Furnace with the same type of XXXX XXXX. Unfortunately, he didnt give me the model number or the serial number of the new one. Ive asked more than once for that information so I can register the Furnace for the warranty. Ive also requested the permit number which they refuse to give me. They wanted me to pay for that too!!! 
My history with this company has been fair. When they replaced my XXXX  in XXXX, they gave me a senior-citizen discount and their pricing seemed reasonable. They seemed to be decent, honest people. They upgraded my Furnace at that time for {$2000.00} + to keep it running for a while longer, and its been good since then. I hadnt noticed any abnormal symptoms with regard to the Furnace up until this XXXX XXXX said something about the degree of heat. I dont believe that this XXXX XXXX XXXX for them at that time. 
XXXX quoted {$12000.00} for the new Furnace and I nearly fainted!!! I asked for a discount and he discounted this price by {$2500.00} and had to backdate the invoice so that he could allow the discount. So, I told him to proceed with the installation, feeling like I could trust him because I knew his boss, XXXX, for a number of years. 
But I didnt say anything about the backdating because I was very tired, in pain, and just wanted to get on with it. He financed the balance of {$10000.00} and asked me for money. I gave him {$1000.00} so that brought the total finance down to {$9900.00} which he arranged with Synchrony. They added their fees to bring my total to {$10000.00}!!!!! Here we are, back at the table of dirty dealers! 
It took XXXX crew of XXXX man about XXXX hours to install the Furnace. It was installed on XX/XX/XXXX. When I felt better, I decided to find out whether or not I was SCAMMED. Guess what? I was. I should have done my research before I signed anything, because this cost is and was outrageously large. 
I took a look at XXXX or XXXX vendors for Furnace and installation costs and included the manufacturer of the XXXX model that XXXX had installed or so he said. I still dont know what the Furnace manufacturer name is. The Furnace model that XXXX had installed in XXXX hours, by the way, is XXXX of the low-end but reliable ones if he was telling me the truth. Also, I thought I had Star Energy Furnace before and now I dont, so there are no rebates offered on this new Furnace. 
My last point is XXXX was so anxious to sell me this high-priced, low-end Furnace that no permit was issued and he told me that I had to get the permit!!!! I told him, bluntly on the phone, I was NOT goind to pay for this permit!! Ill just take that up with the XXXX of XXXX XXXX. The serial number and model number of the Furnace was never given to me even though I requested it in an email to XXXX. I need this information to register the Furnace with XXXX. Here again, they have not given me that information which leads me to believe that they installed some other Furnace instead of XXXX. 
Following is a list of vendors, their costs for the Furnace and the installation costs. These are estimates for my kind of Furnace. 
XXXX website : {$1900.00} to {$5700.00} Price of Furnace and Installation Modernize website : {$680.00} for Furnace and {$1800.00} for Installation XXXX website : {$1000.00} for Furnace and {$1700.00} for Installation XXXX website : {$3600.00} to {$4100.00} total for XXXX XXXX size Furnace and includes Installation costs

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