Consumer complaint received 2025-12-07 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: NJ

Complaint narrative:
On XX/XX/year>, a New York dentist enrolled with CareCredit pressured me into an {$8800.00} procedure after she had already numbed and drilled into my teeth for XXXX composite fillings covered by insurance. She refused to work on my teeth unless I agreed to the procedure under duress. The dentist then filled out my CareCredit application herself through the Provider Channel on her office computer. I only typed in my SSN and address ; she clicked through all disclosures and submitted the application in violation of NY GBL 349-g, which prohibits providers from completing any part of an in-office CareCredit application. I was frightened, bleeding, anesthetized, and still in the dental chair while the dentist pushed me to sign multiple documents. 

The charge was processed the same day ( {$7800.00} CareCredit + {$1000.00} HSA ). I found out she had charged me when she sent me the care credit sales draft but none of my medical records. The dentist scheduled the procedure for XX/XX/year> but I canceled on XX/XX/year>. No services were provided for the {$8800.00} procedure. Nothing was installed or fabricated, and I submitted evidence showing that my teeth were only excavated during the initial insured procedure. 
CareCredit is required under CFPB Consent Order No. 2013-CFPB-0009 to ensure : ( 1 ) consumers apply directly for any dental charge over {$1000.00}, ( 2 ) providers do not complete applications for them, and ( 3 ) if the provider violates this rule, CareCredit must provide an unqualified right to reverse the transaction, even if completed. 

The NY Attorney Generals Consent Order ( Assurance No. XXXX ) separately requires CareCredit provider agreements to give consumers an unconditional 3-day right to reverse any in-office charge over {$1000.00}. 

I disputed the charge on XX/XX/year> with full evidence included in my fraud investigation form ( delivered XX/XX/year> ). CareCredit denied it on XX/XX/year>, claiming that I had authorized or benefited from the transaction. I was in fact harmed by the transaction and now suffer from extreme dental XXXX  - and anyone with a single brain cell could recognize that a XXXX XXXX XXXX can not give consent under duress and threat of pain. The doctors refusal to abide by other applicable law as per the emails I had provided shouldve also indicated her degree of unethicalness to Care Credit. 

I opened a second dispute on XX/XX/year>. When I asked over the phone, Synchrony was unable to provide the original application or IP address, even though the application was submitted through the Provider Channel ( of which Synchrony bank is responsible to keep clear records ). 

CareCredits refusal to honor required refund rights, despite no services being rendered and clear provider misconduct, constitutes unfair and deceptive practices and violations of multiple binding federal and state consent orders. Please help me seek relief for these unconscionable business practices.

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