Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2021, I went to a dentist for 3 tooth extractions and they claimed I needed bone grafts for all three teeth, and they asked if I would like it, I say sure. As the procedure is taking place, I know for " certain '' he is not doing any bone grafts, that is what was going through my mind the entire time. I even asked him what kind of bone graft was done after the procedure was done and he immediately became fidgety and literally said along the lines, " don't worry about that, everything is fine. '' I digress. As I was leaving the office after getting my extractions, the front desk asked me, " how am I paying? '' you don't ask some body this " after '' they have the procedure, when you first informed them the insurance company covers it. Therefore, I said I was not paying anything to them, worse of all, they never did any bone graft. I then asked them, " where do you expect me to pull {$1500.00} from? '' then they offered Care Credit, which I thought was a part of their company at the time. At this point, I was ready to call the police, but it would have been me against a whole office of frauds. There is no way the police would have taken my side over theirs, especially when I had no paper work at the time to prove they were liars. As a result, I agreed to the Care Credit, then " immediately '' called my insurance company to let them know what XXXX XXXX did. XXXX informs me to contact Care Credit. 

I contact Care Credit, they open an investigation and XXXX XXXX sends Care Credit a letter that will reveal he is nothing but a fraud. Yet somehow, Care Credit saw the dispute in his favor and still asked me to pay the {$1500.00}. 

In the first paragraph of the document titled, " XXXX XXXX XXXX XXXX XXXX '', he stated that 3 tooth extractions were done, and they were, I am not denying that. I am denying he did bone grafts, because in fact he never did them. In the document titled, " XXXX XXXX XXXX XXXX '' he then stated I signed a dental agreement, which would show a complete breakdown of work, showing I agreed to a total {$1500.00}. Where is it? Care Credit has yet to show me that document, yet is still claiming it is in his favor. If he can not prove this, then the {$1500.00} dept should be wiped clear. What's worse is that XXXX XXXX never sent Care Credit a record showing bone grafts were done. Care Credit is having me pay {$1500.00}, when XXXX XXXX has yet to send one document of proof for the things their stating. 

I warned Care Credit that if they don't do the right thing, I would open a dispute with the XXXX and I am sure glad I did. Once I opened the dispute, Care Credit uploaded documents to the XXXX that XXXX XXXX sent to them as " proof '' and it is utterly laughable. If you look at the document I am uploading titled, " Bone Graft Fraud '' it indicates a bone graft was done on teeth # 3 and # 30, but remember in the document titled, " XXXX XXXX XXXX Letter '' where it states it was done on three teeth? This fraud contradicted himself big time with this one. He never did any bone grafts at all, but lets just entertain the idea. At first he claimed he did it for three teeth, with each tooth bone graft being {$500.00}. So that would have been tooth 3,19, and 30, which would add up to {$1500.00}. But in a separate document titled, " XXXX XXXX XXXX '' he says a bone graft was done on # 3 and # 30 which indicates two teeth and a total of {$1000.00}. Yet, Care Credit refuse to see this as fraud. 

Now mind you, when a dentist completes a bone graft as XXXX XXXX is " claiming, '' there should be a record of a complete break down of what was done ; because even with just a quick simple research on my end. Not all bone graft procedures are the same and no matter what, there is to be documentation showing it. Care Credit has not received this documentation from XXXX XXXX as of yet. 

XXXX XXXX is going after the wrong person for the {$1500.00} which is me. I proved without a doubt I do not owe this. They are to go after the real culprit which is XXXX XXXX who made a complete fool out of them by sending obvious bogus documents, that they accepted without second questioning. 

Consumer Finance, if possible when Care Credit responds to this dispute. Can you make it to where all three of us ( Me, Consumer Finance, Care Credit ) can communicate to each other? And if possible, I would " truly '' appreciate if you can add XXXX XXXX in the mix. All they have been doing is hiding. 

By the way, I opened a dispute with XXXX XXXX and they have yet to respond to my complaint, knowing I would easily refute what their saying. They only respond like cowards when they are speaking directly to an entity, knowing I can not see their interactions like as what they did with Care Credit and even XXXX. When it involves a platform where I can see what they write and submit, such as with the XXXX or email, they become a ghost. 

If you can contact XXXX XXXX to explain their side to me and Care Credit to where we all can see it, I would truly appreciate it. 

Consumer Fiance, please let Care Credit know they are charging me {$1500.00} for work that was never done, and there is no proof of it. They are on the verge of impacting my credit score because of this.

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