Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I submitted a dispute on the opening of an account with Care credit by my service provider to care credit on XXXX and have yet to get a response. I have since learned that providers of care credit have a history of providing false and misleading information to costumers to get them to sign up. In my case my provider scammed both me and care credit. 

After being diagnosed with XXXX at XXXX XXXX on XXXX at about XXXX and telling the provider that I could not afford the cost of the XXXX, I was asked if I wanted to finance the cost. The secretary told me it would be 12 months no interest and that they could submit the application on my behalf and I agreed. The secretary then went into another room to presumably submit an application. When she returned, she told me I had been approved and that the cost of the XXXX had been paid for. She then told me someone would call and text a link to my phone number to confirm my identity and the payment. I spoke to a representative at care credit who verified my identity and texted me the secured link. At no point during this interaction was I told about the 29.99 % interest rate or the fact that interest accrues on the initial balance not what's left at the end of a year. At no point during this interaction were the care credit cardholder agreement nor full terms and conditions of the card presented to me either verbally or in writing. 

At the end of my visit, I was asked to sign paper work which included a XXXX agreement and a care credit application which had already been filled out. I signed this paperwork on XXXX at about XXXX. Please note that the provider had already submitted the application and charged the XXXX to my account ( an email confirming payment was sent to me on XXXX at XXXX ) BEFORE I signed the care credit application given to me around XXXX. I'm assuming in order to submit the application and charge my account they must have stated that I had already seen and agreed to terms which were never presented to me. XXXX XXXX  states they have footage of me signing the document. Please compare the time stamp on this footage to the time stamp of the charge to my account. As noted above, I was not there as the secretary filled out the application nor did the secretary ask me any information to fill out the application. On XXXX at XXXX I went into the XXXX XXXX XXXX to see the application they submitted on my behalf as I was not provided a copy. In the application they incorrectly noted my income was over {$16000.00} a month. A figure that is over XXXX more than my actual income and which I did not give them. I believe they put this income in so that I would be approved for a high credit line. I got an email saying my application for carecredit was denied on XXXX ( reference number : XXXX ) so I believe they initially tried to apply with a lower income but then bumped my income up when they realized the first application would not be approved. They have told me that they are unable to refund the balance despite the fact that I will not be going in for the XXXX and despite the fact that at no point did they present the full terms and conditions to me and that they lied about my income. I never did do the XXXX with them and I have not been issued a refund for the cost of it til date. 

They have told me that my signature on the carecredit application makes me liable for the false information presented on the application. This is extremely serious as lying on a credit application is fraud, a potential felony, and potentially thousands or hundreds of thousands of dollars in fines. I would like to get this balance removed expeditiously and this credit line closed as well. I have two videos that back up my claims. 1st Video : XXXX XXXX XXXX XXXX XXXXXXXX Here the secretary confirms only telling me about the partial terms of the card i.e. 12 months no interest but not 29.99 % interest on the full balance. 2nd Video : XXXX XXXX XXXX XXXX XXXXXXXX Here you can see they lied about my income being {$16000.00} a month without ever consulting me, that they never told me the full terms and conditions nor presented the care-credit account agreement to me either verbally or in writing.

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