Consumer complaint received 2026-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year> I presented at XXXX XXXX XXXXXXXX with a XXXX XXXX XXXX and was told by the associate XXXX XXXX that XXXX XXXX needed to be XXXX. He recommended having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I replied that it sounded expensive and he said he would take out a line of credit to pay for that XXXX He never mentioned the option of having a less expensive XXXX. He looked at the computer and told me that my insurance would pay for the XXXX, bt not for the temporary XXXX I paid XXXX XXXXXXXX {$1500.00} for a temporary XXXXWhen I arrived at XXXX XXXX XXXX a week later, very nervous about the receptionist asked me to sign the credit line from Synchrony/ Care Credit for {$12000.00} which I did. Immediately before the extractions XXXX XXXX XXXX XXXX asked my to sign waivers. As to the XXXX XXXX I was simply told by XXXX XXXX " You need this. '' The next day, suspicious, I called my insurance XXXX through XXXX and was told that XXXX XXXXXXXX XXXX was not in my plan. I was advised to get copies of the loan agreement and my medical record. At XXXX XXXXXXXX XXXX for my follow-up appointment I made that request but the receptionist told me the printer was broken but that she would email them to me which she did not do. I'd realized that I didn't even know XXXX XXXX last name and the receptionist told me she didn't know his last name. I asked XXXX times for his business card and was finally given a card without his last name. I immediately started getting bills from Synchrony/ Care Credit which I disputed initially because I still thought the credit line was for the expensive XXXX In the meantime I'd learned that my dental insurance would completely cover dentures.I have sent certified letters to XXXX XXXXXXXX XXXX and its corporate location requesting copies of the loan agreement without response. It was after the first dispute I learned that XXXX XXXX had used the entire {$12000.00} for the XXXX ( for which my insurance would have paid ) and for XXXX XXXX XXXX ( which were unnecessary, the purpose which were never explained to me. ) Each time I've contacted Synchrony/ Care Credit in attempts to dispute the charges I have sent Synchrony/ Care Credit -each time a new dispute is opened and then quickly denied. I have communicated to Synchrony that I believe the charges to be based on fraud. I ave madee a complaint to the XXXX XXXX Attorney General and I have made complaints to XXXX XXXX XXXX Department of Health XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for possibly performing unnecessary procedures and for XXXX XXXX for possibly practicing medicine without a license.At their suggestion I submitted a grievance to XXXX.Even though XXXX XXXX XXXX has left that location and disappeared from the internet Synchrony/ Care Credit has continued to deny each dispute claim. After months of requesting a copy of the loan agreement from XXXX XXXX and its corporate office and from Synchony/ Care Credit it wasn't until today XXXX that I received a copy of the loan agreement from Synchrony which is printed at what appears to be less than. XXXX % -print far too small to be read.

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