Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
No email is provided anywhere that I can locate for Care Credit/Synchrony Bank nor XXXX/XXXX. They are all associates. On XX/XX/2015 I feel as if I was coerced and under extreme duress when I signed up for a XXXX through XXXX/XXXX. I was told I was " fat '' even though I only wanted to lose XXXX. and that XXXX was the only way I would ever lose it. I was frustrated and in tears but they told I would " feel better '' if I signed up and got on the program. I am XXXX yrs. old and felt extreme pressure to do so. I was required to pay up front but not with my own credit card. They would only deal through Care Credit/Synchrony Bank. I have filed XXXX disputes so far and they were ruled in the favor of the provider and my third dispute will be mailed XX/XX/2015. The cost of this program was {$1800.00}. Only after paying was I was " assessed '' to reveal the specialized " diet plan. '' I was hand scanned with a XXXX scan which XXXX calls its XXXX ( XXXX. This allegedly determines what foods you can and can not eat, places in your body that are not functioning properly and body fat ratio. I was given supplements, some liquid, some pills that were required to be taken either mixed with water and/or vinegar at only at certain times of the day. I was not provided any receipts or documentation at the time of joining XXXX other than the dosage of each individual supplement. One of the supplements in my program called XXXX XXXX, was never received. 
I was not told of all the additional cost of the items and/or brands I was not allowed to use unless the brand was recommended by XXXX. These items include but are not limited to : shampoo, conditioner ( any hair care products ), any types of moisturizer/lotions, cosmetics, toothpaste/mouthwash and chapstick. I could not drink anything but purified water. These products plus the food I had to purchase cost an additional {$400.00} out of pocket. After the first XXXX days I was physically sick. I lost XXXX lbs. in less than a week on their diet. They guarantee a weight loss of XXXX lbs in XXXX days but no refunds. They also told me to stop taking my medications. I checked with my doctor ( even though I already knew ) and she said " Absolutely not. If you stop them abruptly, it can cause XXXX. '' I tried to email them for help which was supposed to be part of their program but never had a response until I told them I was dropping the program. The last letter of dispute ( XX/XX/2015 and XX/XX/2015 ) was sent certified to XXXX/XXXX specifically XXXX XXXX XXXX, ( the one in charge ), Care Credit/Synchrony Bank. As per Colorado Attorney General Office-XXXX XXXX, I sent certified letter ( s ) on XX/XX/2015 to demand they cancel my credit card and debt. I have researched XXXX, Synchrony Bank and the XXXX scan. The resluts were astonishing to me. XXXX is a very unhealthy and dangerous way to lose weight. They say they do not " diagnose '' but when they tell you what parts of your body are not functioning properly, your body fat ratio and foods you can or can not eat, to me that seems like a diagnosis. I would like my debt cleared. I am on a fixed budget and have spent more money than I can honestly afford trying to rectify this situation.

Company response to consumer: Closed with monetary relief