Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX, I paid {$2500.00} ( via CareCredit ) to XXXXXXXX XXXX XXXX XXXX for a XXXX  procedure. I experienced a XXXX  event during XXXX of the procedures ( XXXX XXXX XXXX XXXX XXXX  ) that immediately caused discomfort and concern, as the practitioner had to end the session early and instructed me to reschedule the appointment. A month after completing the rescheduled procedure, my arms felt weird and became highly pigmented. I reported this to XXXX via corporate phone call, corporate office phone call, XXXX complaint, and a XXXX review. In the time since this unfortunate event, I did not receive the results promised ( reduced XXXX  XXXX within XXXX months ) and was internally and cosmetically XXXX  as a result of the procedure. I have had to bear the financial burden of both a botched procedure and the adverse cosmetic complications that resulted from the treatment. Aside from XXXX, I have called and communicated at length with CareCredit since then. Every representative insisted that nothing could be done and that there was nothing they could do to help me in this situation. After some time, I was charged an additional {$800.00} for not paying the original amount on time, which I again contacted CareCredit representatives and spoke to them at length about my situation. At one point, I was rerouted and placed on hold for XXXX minutes, to which I called back and reached a representative immediately. However, I was again given no resolution, being the occasional waiving of late fees. 

It was not until XX/XX/XXXX that I learned I could dispute my care/the charges and have the remaining amount removed! Please understand my extreme surprise and frustration, after I tried in earnest to report and seek a resolution to my ordeal. While researching the guidelines for meeting the claim ( which I do meet, by the companys standards ), I began so discouraged by the run-around and outright lies I received from CareCredit representatives. I was hurt in my home state of XXXX  and had to bear the burden of not XXXX, but XXXX physical mishaps as a result of the service I received after paying with CareCredit. CareCredits advertisement of services at this provider was so persistent and prevalent. However, this visibility and willingness to assist declined after I raised questions about my charges. 

Even more appalling was that CareCredit representatives saw my late fees increasing and still told me that nothing could be done. I have done my best, given my medical situation, to cover everything that has resulted from this procedure and return to normal. 

Please note that the pictures attached do NOT do the XXXX justice. Imagine embarrassment and shock I experienced when initially realizing how serious the situation was. Imagine my embarrassment and shock when I realized I long I have been trying to advocate for myself for something that occurred due to no fault of my own.

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