Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge 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: UT

Complaint narrative:
I AM XXXX XXXX XXXX WITH XXXX XXXX. I DISCLOSED MY XXXX DIAGNOSIS TO XXXX XXXX XXXX XXXX XXXX XXXX ON THEIR INTAKE QUESTIONNAIRE BEFORE PURCHASE. THEIR CARECREDIT ACCOUNT IS SERVICED BY SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, PA XXXX. ON A RECORDED AUDIO ZOOM CALL ( AUDIO ONLY ) ON XX/XX/year>, MY ONLY VERBAL CONVERSATION WITH XXXX XXXX XXXX, SHE MADE THE FOLLOWING FALSE STATEMENTS : XXXX. AT THE XXXX TIMESTAMP OF THE FIRST RECORDING, SHE SAID " CareCredit will charge no interest for the first 24 months. " BUT SHE FAILED TO DISCLOSE THAT THE 0 % INTEREST IS ONLY IF PAID IN FULL, AND THAT THE APR IS 32.99 % WITH LATE FEES UP TO {$41.00} IF MINIMUM PAYMENTS ARE MISSED. THIS IS A DECEPTIVE LENDING PRACTICE UNDER 15 USC 45 AND TRUTH IN LENDING ACT VIOLATION UNDER 15 USC 1601. 2. AT THE XXXX TIMESTAMP OF THE SECOND RECORDING, SHE SAID " I will set that up for you. " AND PROCEEDED TO ENROLL ME WITHOUT MY REVIEW OR ELECTRONIC SIGNATURE. I NEVER SIGNED A CONTRACT. THAT IS, I NEVER REVIEWED THE TERMS SECTION BY SECTION. I NEVER GAVE ELECTRONIC AUTHORIZATION. THIS IS FORGERY AND IDENTITY THEFT UNDER 18 USC 1028 AND A VIOLATION OF E-SIGN ACT 15 USC 7001. 3. AT THE XXXX TIMESTAMP OF THE SECOND RECORDING, SHE SAID " The last I saw on reviews were XXXX - XXXX " XXXX. AT THE XXXX TIMESTAMP OF THE SECOND RECORDING, SHE SAID " We're always going to do what's right for XXXX " XXXX. AT THE XXXX TIMESTAMP OF THE SECOND RECORDING, SHE SAID " The people who finish get 100 % of the results. " XXXX. AT THE XXXX TIMESTAMP OF THE SECOND RECORDING, SHE SAID " We have not had a single person finish the program and not get results. " XXXX. AT THE XXXX TIMESTAMP OF THE SECOND RECORDING, SHE SAID " Out of tens of thousands of people. " XXXX CHARGED ME {$3500.00} TO MY CARECREDIT ACCOUNT ENDING IN XXXX INCLUDING SUPPLEMENTS CONTAINING XXXX, WHICH IS MEDICALLY CONTRAINDICATED FOR XXXX AND CAN CAUSE XXXX STORM. WHEN I ASKED FOR A COPY OF MY QUESTIONNAIRE ANSWERS, A MALE HHA AGENT TOLD ME " WE GENERALLY DONT LET OUR CLIENTS SEE THEIR ANSWERS, BUT FOR YOU I WILL MAKE AN EXCEPTION. '' HE NEVER SENT ME A COPY. THIS IS EVIDENCE SPOLIATION. UPON DISCOVERING ASHWAGANDHA IN THE INGREDIENTS, I IMMEDIATELY CONTACTED XXXX TO CANCEL FOR MEDICAL SAFETY. THEIR AGENT TOLD ME " NO REFUNDS. '' I REJECTED ALL SERVICES AND IGNORED FURTHER CONTACT AS CONSUMER PROTECTION ADVICE. ON XX/XX/year> AT XXXX PM, XXXX XXXX XXXX XXXX EMAILED ME STATING " ALL SALES ARE FINAL '' AND THREATENING " FORFEITURE OF YOUR REQUEST '' IF I FAILED TO ATTEND A MANDATORY ZOOM TO CANCEL. THIS WAS SENT AFTER I NOTIFIED THEM OF MEDICAL DANGER FROM XXXX. XXXX DAYS LATER ON XX/XX/year>, XXXX XXXX XXXX XXXX XXXX CONTRADICTED THIS BY EMAILING " YOUR REFUND HAS BEEN PROCESSED WITH CARE CREDIT IN THE AMOUNT OF {$2100.00}. PLEASE ALLOW SEVERAL DAYS FOR YOUR REFUND TO APPEAR ON YOUR STATEMENT. '' THIS PROVES BAD FAITH, DECEPTIVE PRACTICES, AND ADMISSION OF LIABILITY. FORCING A ZOOM MEETING TO CANCEL A FORGED ENROLLMENT VIOLATES UDAP XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CONFIRMED THIS XXXX, ( XXXX ) XXXX. AS OF XX/XX/year>, THE {$2100.00} REFUND NEVER POSTED TO MY {$3500.00} CARECREDIT CHARGE. XXXX NOW CLAIMS A " PRO-RATED REFUND '' FOR {$19000.00} IN SERVICES I NEVER RECEIVED BECAUSE I CANCELED BEFORE USE DUE TO MEDICAL DANGER. THIS {$19000.00} " VALUE '' CONTRADICTS THE {$6100.00} TOTAL PRICE XXXX QUOTED ME. XXXX IS ILLEGALLY WITHHOLDING {$1400.00} OF MY {$3500.00} CHARGE AFTER PROMISING A {$2100.00} REFUND ON XX/XX/year>. CARECREDIT XXXX XXXX PREVIOUSLY STOPPED THIS TRANSACTION DUE TO THE DISPUTE. DESPITE THIS, SYNCHRONY BANK REPORTED THE {$3500.00} BALANCE TO CREDIT BUREAUS IN VIOLATION OF FCBA 15 USC 1666. THIS COMPLAINT IS ONLY ABOUT MY CARECREDIT ACCOUNT ENDING IN XXXX FOR HORMONE HEALTH ADVANTAGE. I HAVE A SEPARATE, UNRELATED SYNCHRONY ACCOUNT IN GOOD STANDING. THIS DISPUTE IS PROTECTED UNDER 15 USC 1681M. NO RETALIATION IS PERMITTED. I have supporting documents including billing statements and notes. I will mail them with XXXX # after submission.

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