Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
1. I am writing again because my complaint has not yet been resolved with CareCredit/Synchrony Bank . Within 60 days they agreed to send me the document of who created the account requesting the

CareCredit/Synchrony Bank card . Reminding CareCredit/Synchrony Bank , who wrote to CFPB confirming earlier that it was requested by the medical office and its staff. Which is the truth, 80 days have passed, and they have not sent me who was responsible. I ALSO REMIND CARECREDIT/SYNCRONY THAT I HAVE NEVER CREATED A CARD IN SPANISH I DON'T READ SPANISH I SPEAK A LITTLE I AM NOT A TRANSLATOR AND DID NOT UNDERSTAND WHAT HAPPENED FROM THE BEGINNING. 2. RECEIVED A LETTER FROM CARECREDIT/SYNCHRONY BANK XX/XX/XXXX. CLARIFICATION OF YOUR LETTER WHEN WROTE MY CLAIM TO CFPB IN XXXX I WAS AT XXXX I DID NOT KNOW WHERE THE SCAM CAME FROM BECAUSE I DID NOT APPLY FOR THE CARECREDIT/SYNCHRONY CARD AND DID NOT UNDERSTAND HOW I WOULD DO IT MY CLAIM. XXXX XXXX DID NOT UNDERSTAND EITHER BUT TOLD ME SHE WOULDN'T PAY EVEN {$1.00}. Dollar MORE TO CARECREDIT/SYNCHRONY BANK I THOUGHT MY CREDIT WILL BE AFFECTED BECAUSE SHE SAID THAT SHE PAYED INTEREST TO CARECREDIT/SYNCRONY BANK BUT THE INSTITUTION SAYS THAT INTEREST WAS NOT PAID AND THEY DID NOT EXPLAIN ANYTHING TO ME. WHEN I CALLED CARECREDIT THEY HANG UP MY PHONE " I RECEIVED THAT TREATMENT, THEY JUST SAY I HAVE TO PAY ''. FANNY FOUND WHERE TO COMPLAIN ABOUT SCAMS AND ARRIVED ON THE CFPB PAGE. I PASSED ALL THIS WITHOUT HAVING REQUESTED A CARD AS I EXPLAINED ABOVE IN MY CLAIMS.

CARECREDIT/SYNCHRONY BANK TO ANY CUSTOMER WHO RECEIVES {$1000.00} PER MONTH. APPROVES A CREDIT OF {$4000.00} IN MINUTES. That does not exist, it is a rule in every financial institution to verify data and income. IN MY LETTER I WRITE TO CFPB THAT I RECEIVE SOCIAL SECURITY WHICH I CAN SHOW THAT I RECEIVED {$1000.00}. AND HOW DO I APPROVE CARECREDIT/SYNCHRONY A CARD WITH AN AVAILABLE OF {$4000.00} IN MINUTES Observation! IF I APPLIED FOR ( A CARD ) I WAS SUDDENLY QUALIFIED FOR XXXX or XXXX I DID NOT QUALIFY FOR A {$4000.00} line of credit. Also, at that time that I was in debt with other cards, it was impossible to approve that amount. But the medical office in accordance with CARECREDIT request a card and approve it in minutes using my name TO BENEFIT THE MEDICAL OFFICE AND CARECREDIT/SYNCHRONY BANK. 
3. Point clarified in XX/XX/XXXX, they withdraw the {$1500.00} of interest, CareCredit/Synchrony Bank finally explains to me that they do not charge interest ( WHEN PAYMENT ON TIME AND IN 24 MONTHS, THEREFORE THEY LOOK AT MY PAYMENT RECORD AND INFORM THAT I PAY THEM ON TIME EVERY MONTH EXCEPT FOR THE PROMOTION MONTH. THAT MONTH I RECEIVED A CALL FROM CARECREDIT/SYNCHRONY BANK TO INFORM ME OF A MONTH FREE OF PAYMENT AND WITHOUT PENALTY DUE TO THE COVID PANDEMIC THEN CARECREDIT CLASSIFYED THIS MONTH AS LATE PAYMENT TO PLACE ADDITIONAL INTEREST OF {$2000.00} I STILL KEEP THE RECEIPT WHICH WAS REMOVED THANKS TO THE INTERVENTION OF CFPB ) 4. Point not clear IN XXXX WHEN EXPLAINING CARECREDIT/SYNCRON WE LEARNED ABOUT THE FALSE INTERESTS FROM THE MEDICAL OFFICE. XXXX XXXX immediately contacted the medical office, she thought that there was an error by her staff when billing, but it was not like that, what happened there is a scam, the medical office changed the price ( All this and with proof of prices, she explained in her claim ID XXXX - XXXX of XX/XX/XXXX that did not cost that price ) Synchrony Bank does not protect the consumer either. XXXX XXXX filed the complaint with the CFPB, but CARECREDIT / SYNCHRONY BANK says that she does not recognize her as a client, but they did RECEIVE THE MONTHLY PAYMENT FROM HER XXXX DEBIT CARD which shows that she paid. At the time of the first letter, I was unaware of the ( doctor 's office ) price scam. I will also follow my claim in other institutions until I am heard. CARECREDIT/SYNCHRONY BANK harms and takes advantage of clients as a business where professional ethics is. XXXX XXXX could pay with her cards because medical office solicitous a card that she did not need, to increase the price and benefit and using a practice of lying and deceiving the patient at a difficult time. 
5. They have not yet credited me with the sum of the {$900.00} dollars that they owe me. If the price of the medical procedure were correct, I would not complain, but here is a scam in the price of the procedure performed, first the doctor 's office declares that it is interest when the lie is discovered, they declare that it is the price. Therefore, the evidence from another medical office was sent to the CFPB where a price quote for the procedure was previously requested in XXXX, and 3 other institutions were also consulted. They are outraged by the excessive charging by the medical office at a difficult time.

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