Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX I used CareCredit ( Syncrony Bank ) to finance XXXX through my dental office. The total balance was {$4500.00}. The terms were for XXXX 0 % APR. My dental office set up the account for me and I chose to do automated monthly payments of $ XXXX. However, unbeknownst to me, the payments decreased each month for a percentage of the overall balance. My statements each month simple said thank you for your payment without an actual dollar amount. After the 18 months, I was hit with a very large interest fee ( over {$2000.00} ). I called care credit and found out that my payments were reduced to $ XXXX, meaning I had a remaining balance. They offered to revert the interest charges if I could pay off the account in full within 30 days. I made two payments and over the next 30 days, and the interest was reversed. However, I overpaid because each team member I spoke to gave me a different total owed. Once we finally figured it out, the account balance was now {$0.00}. A week later, I was charged {$1.00}. When I called asking what the charges were for, they declared I had signed up for a security product that insured my account. I asked them to cancel that, as there was nothing to secure. They sent me to a third party, who refunded me over {$700.00} that I had apparently paid over the 18 month contract. If I had not received that {$1.00} payment, I would have never known that I paid that much or that I could get it back. The money was returned to care credit and I had to call multiple times to receive the payout check. A few weeks later ( XXXX XXXX  ), I received a bill from my dental office saying I owed them {$4500.00} for my XXXX  Without my knowledge, carecredit reverted my payment to my bank. They told my dental office that I was unhappy with the XXXX ( this was never my complaint ). When I called carecredit, they told me they reverted the charges due to my complaint to the XXXX  They never sent me any written notice of this. When I asked about it, they said a letter was sent ( it was never received, despite receiving the original refund check from my security insurance ). They then stated they sent me a refund check for {$6500.00}. This was {$2000.00} more than I originally paid. I reached out to them twice ( in the beginning of XXXX XXXX XXXX ) to pay them back for overpaying me. I was told by their manager that they would charge the card so I could pay online. They did not give me any other option to pay. It has been 3 weeks now and I still have no received any charges on the card in an effort to pay them back. I still have no received any information on why they reverted the payment maybe in XXXX to my dental office ( that I had already paid in full ). I now owe them money and they are not charging me or giving me an option to pay them. I worry they will attempt to charge me interest on the money they overpaid me.

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