Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing this complaint to the XXXX XXXX XXXX because I had XXXX XXXXXXXX done by XXXX XXXX from XXXX XXXXXXXX XXXX. The doctor recommended that I could pay the fee of {$5500.00} on a credit card and have 0 % interest for XXXX years if I just pay {$230.00} for XXXX  months and that would cover it. So I had the XXXX done and it was successful. When my daughter, who is a XXXX XXXX XXXX and has her XXXX from XXXXXXXX XXXX went to set up the payment, she was not able to put the amount of {$230.00} in the computer. The most she was able to put was {$170.00}. Also, when I asked her to make sure I get a paper statement as a reminder to check the balance and make sure the account gets paid off in the time allotted, she informed me that we could not have the account online and have a paper statement. It would be one or the other. If we went with the paper statement, we would have to mail a check every month so we opted for the online so that account would be paid every month and there wouldnt be any late fee. And also not lose the 0 % interest. 

Well, in XXXXXXXX XXXX hit and I am a XXXX XXXX XXXX XXXX XXXX. I had to work many long hours and extra shifts for the duration of covid and after as the whole world shut down for those years. When I called Care Credit this XXXX to settle my account, I was shocked that my 0 % had expired and I had no way of being advised because of the lack of a paper statement. I feel Care Credit is preying on people who lack the skills of a computer. When I called I also found out that the {$170.00} payment had dropped to XXXX dollars at its lowest point. When we thought I was paying {$160.00} every month for XXXX months which would have totaled {$4000.00}. 

So I have paid Care Credit about {$7000.00} and still owe them another {$4500.00} bringing that to a total of {$11000.00}, all because they did not offer a paper statement and an online option together which every other credit card does. Also there are numerous complaints all similar to mine which I am enclosing. I feel I have been taken advantage of and care credit is not an honest company. Their agents are trained to answer your questions without helping the consumer. I have written them XXXX letters. I would like them to settle my account for the {$5500.00} at 0 % only because of the unfair practices which are all over the internet. The only thing that I was able to accomplish with them is that my account is frozen and I am paying off the {$4500.00} balance with 0 % interest but that still means I had to pay {$11000.00} in total! 

I am really hoping the XXXX XXXX XXXX can help me. I have done many balance transfers and never had a problem and always paid off my balance and was able to get the 0 % without a penalty. 

Thank you for your time, XXXX XXXX

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