Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In refer to Complain # XXXX, I would like to re-open this case and to send the complain to another state or federal agency, or help me to get in touch with another state or local consumer protection office that can assist me in resolving this problem. It is very disappointing, CareCredit response to my complain and what they called investigation is disrespectful. As per they own records, they supposedly open my claim on XX/XX/XXXX and they closed it back on XX/XX/XXXX, it took only 3 days for them to investigate this issue or maybe 2 days or 1 day? Because as far as everybody knows XX/XX/XXXX is a Holidays and also most of the companies will not open the last of the year. So, what kind of investigation they did? I can see it is very easy and convenient for them to believe what this provider XXXX XXXX XXXX XXXX and sign in a paper, but not the evidence I sent my self, as a patient. I do not see anything new from the provider, since those papers from XX/XX/XXXX, they are not asking her for any prove or evidence of the work she claims she performed, instead I have sent them a comprehensive evaluation from a different provider and pictures of my mouth where they can see no bridge or crowns where she said was done, but that is not enough for them. How is it possible that this providers word is more credible than my own facts? Is there some kind of discrimination here? This is the reason why providers like XXXX XXXX keep scanning people and taking advantage of patients like me. It is very unfair and disappointed. It is very clear, and you can even see it on her statement, she claims I when to her office 3 times ( note : I actually only when 2 times ), Wednesday XX/XX/XXXX when she initiated the root canal of tooth # 2, Saturday XX/XX/XXXX which didnt happen because her office is closed on XXXX, and Monday XX/XX/XXXX when she did completed the composite occlusal of tooth # 1 and that was when the problem started because I realized she was doing a pretty bad job, I didnt like they way she was performing and I even question her because she was planning to start working on the XXXX without performing a cleaning first. That was the last day I seat on her office for a treatment. As you can clearly understand no one gets bridge and crowns done in 3 days, because as far as everybody knows crowns are make by a dental lab and they take at least 2 to 3 weeks to be delivery. Therefore, it is hard for me to understand, why is it that they dont see it? or they dont want to see it because it is just easier for then to decline my dispute and charge me for service I didnt received than to confront the provider and request to return the money for the services they didnt provide? Please, I really appreciate if you can send my complain to another entity that can further assist me with my dispute and you can please advise me which could my next step to escalate this problem for prompt and fairly resolution. Also, I am requesting that CareCredit issue a temporary credit to my account, stop sending me bills and stop reporting to the credit bureau while this issue is not resolve, because they havent stop billing even during the dispute.

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