Consumer complaint received 2026-05-14 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: IN

Complaint narrative:
The Bid snap shot of this case is below at XXXX the dog drank a large amount of water and the belley twisted and cut off her organs. The vet said that the had to get to the vet. XXXX we took her to the vet for XXXX and a twisted stomach. The vet gave her fluids prior to the blood test to make her look better then what she was doing at XXXX. The dog was dead before the false surgeries they claimed to perform XXXX major surgeries that normally take XXXX hours each. The vet was done and stopped the medication after XXXX minutes and tried to cover up the death. No animal can live with the stomach twisted cutting off the vital organs that case the death of the dog. CIVIL COMPLAINT FOR NEGLIGENCE, VETERINARY MALPRACTICE, AND WRONGFUL DEATH OF AN ANIMAL AND FEDERAL ANIMAL CRUELTY CHARGES Plaintiff : XXXX XXXX XXXX XXXX XXXX ( Female Great Dane ) Defendants : XXXX XXXX XXXX ( and associated veterinary staff ) CareCredit XXXX Synchrony Bank ( Financial Services Provider ) ________________________________________ I. INTRODUCTION This complaint arises from the gross negligence, malpractice, and reckless disregard for the life of a companion animal resulting in the death of Plaintiff 's dog, XXXX, a female XXXX XXXX. The medical records, laboratory reports, and treatment timeline show that the dog was placed under anesthesia and subjected to surgery despite objective medical data indicating that the animal was in severe systemic failure and not a viable surgical candidate. Additionally, the financial institution involved in the payment dispute, CareCredit XXXX Synchrony Bank, has obstructed the dispute process by falsely stating that no documentation was submitted when evidence shows that additional information was submitted in XX/XX/XXXX. These actions constitute negligence, malpractice, and potential fraudulent conduct. ________________________________________ II. PARTIES Plaintiff : XXXX XXXX is the owner of XXXX and suffered financial loss, emotional distress, and property loss resulting from the negligent acts described herein. Defendants : XXXX XXXX XXXX The veterinary facility responsible for the medical treatment, anesthesia, and surgery performed on XXXX. CareCredit XXXX Synchrony Bank The financial service provider responsible for processing and investigating the dispute related to the veterinary charges. ________________________________________ III. FACTUAL BACKGROUND On XX/XX/XXXX, XXXX was admitted for treatment and later surgery at XXXX XXXX XXXX. Medical records show the following sequence of events : XXXX XXXX IV fluids administered XXXX XXXX XXXX injectable administered XXXX XXXX Blood testing performed showing critical abnormalities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX administered XXXX XXXX Clinic notes state the dog went into cardiac and respiratory arrest during XXXX and XXXX. The records indicate that anesthesia and surgical procedures proceeded despite the existence of laboratory results demonstrating that XXXX was in critical systemic condition. ________________________________________ XXXX. MEDICAL EVIDENCE OF NEGLIGENCE Laboratory findings documented severe medical abnormalities that would normally contraindicate anesthesia or XXXX. These include : Severely Abnormal Blood Chemistry Extremely low platelet levels indicating impaired clotting ability Extremely low white blood cell counts indicating immune collapse Elevated XXXX enzymes suggesting XXXX failure Evidence consistent with internal bleeding and organ failure Proceeding with anesthesia under these conditions constitutes a clear breach of the standard of care expected from veterinary professionals. The medical timeline also shows that the dog was sedated and prepped for XXXX after these abnormal results were known or should have been known to the medical staff. ________________________________________ V. NEGLIGENCE AND BREACH OF DUTY Veterinarians owe a duty of care to animals under their treatment and to their owners. The Defendants breached this duty by : 1. Failing to properly evaluate critical laboratory results before surgery. 2. Administering anesthesia to a patient in systemic failure. 3. Proceeding with surgery despite clear contraindications. 4. Failing to properly stabilize the animal before treatment. 5. Providing misleading or incomplete explanations after the death of the animal. These actions constitute gross negligence and veterinary malpractice. ________________________________________ VI. FINANCIAL DISPUTE OBSTRUCTION Plaintiff submitted documentation to CareCredit XXXX Synchrony Bank disputing the charges related to the negligent treatment. However, on XX/XX/XXXX, a representative informed the Plaintiff that no new documentation had been received since XXXX XXXX. This statement is false. Plaintiff submitted additional documentation in XX/XX/XXXX, including medical evidence supporting negligence. Plaintiff has also been unable to upload documentation to the dispute portal, preventing the presentation of critical evidence. ________________________________________ VII. DAMAGES As a direct result of the defendants ' actions, Plaintiff suffered : Financial damages including veterinary charges and related costs. Loss of property ( the dog XXXX ). Severe emotional distress resulting from the negligent death of a companion animal. Loss of companionship and emotional support. ________________________________________ VIII. RELIEF REQUESTED Plaintiff respectfully requests : Compensatory damages for veterinary malpractice. Refund of all charges associated with the negligent treatment. Punitive damages for reckless disregard of animal life. Full investigation into the conduct of the veterinary staff involved. Costs and attorney fees associated with this action. ________________________________________ IX. CONCLUSION The medical records clearly demonstrate that XXXX was subjected to anesthesia and XXXX despite laboratory results showing severe systemic failure. This represents a serious breach of veterinary standards of care and resulted in the unnecessary death of the animal. Plaintiff seeks full accountability and justice for the negligent killing of 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 monetary relief