Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I got dentures in XX/XX/XXXX. My dentist at XXXX  XXXX XXXX signed me up for Care Credit without any explanaiton of payment. But I ( not realizing ) was paying regularly automatically, long after the {$4000.00} principal debt was paid. Suddenly they were calling and harrasing me hourly, wanting thousands more! They even snatched it from my checking account causing a financial disaster for me. Pursuant to the Fair Debt Collection Practices Act, I asked that Care Credit/Synchrony and cease all calls and letters to as well as cease all fraudulent collection efforts in relation to the account. Care Credit drew money regualry from my XXXXXXXX XXXX  Account every month - different amounts, as they saw fit. Then suddenly in XXXX, they pulled XXXX out of my account! My dentures were LONG PAID FOR! I had to block them, because they caused a tragic issue to my other accounts. 

XX/XX/XXXX During my enrollment in Care Credit, the dental office manager at XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, pushed Care Credit as a form of payment with no interest. Terms of a deferred-interest date were not disclosed verbally and changed constantly. I was enrolled by the office on the belief that it was a low income interest-free card, and was not informed as to what he was actually agreeing to. The office created an accounton a computer screen, which was not shown to me. I did not receive copies of the actual CareCredit agreement and instead had to rely on the oral and incomplete explanations given by XXXX  XXXX XXXX XXXX. I was told to " find my account online '' which I struggled with. 
I was asked for a bank check and put on an automatic payment plan, without being informed of his rights and the consequences of an undisclosed final date. XXXX XXXXXXXX XXXX XXXX provided poor and incomplete information and inadequate guidance during the enrollment process. I was not informed of the practices of Care Credit, but I have proof of paying over XXXX to a bill that was XXXX. And the dentures broke after two months. Now suddenly they change the amount to XXXX??? on top of the XXXX, for broken denture. I paid this off plus over XXXX on top of it. The sudden inflated pop up interest charge with XXXX notice has been a stress on my mental health. 
Care Credit has been sued for abusive and predatory tactics on vulnerable patients- especially on patients that are older and cognitively challenged. Care Credit is now at my front door, harassing me and coming after me still, even after I have retired. Coming for nearly double the cost of the faulty dental work. Care Credit/Synchony also used fear tactics. 

The dental staff at XXXX XXXXXXXX XXXX XXXX likely unknowingly participated in Care Credits unethical practices.

I have discovered that Care Credit changes the due date and interest rate at each point of sale to confuse customers who are paying off medical bills. Care Credit never sent emails about tacked on changes to their interest rates or due dates.

The Consumer Financial Protection Bureau has made specific orders regarding CARE CREDITS tactics. This amount, over XXXX they are demanding is not principal money, but illegally tacked on back interest on a date that was changed by Care Credit. 
I have contested this in writing when it was brought to my attention that I was being manipulated by an aggressive caller from Care Credit. 
There is a letter dated XX/XX/XXXX that was sent to Care Credit and to their Collections Department. This letter broke down the journey of my experience at XXXX  XXXX XXXX XXXX. 
My request to stop harassing me ( under the Fair Debt Collection Practices Act ) with calls, bills and emails was 100 % ignored. And it is clear the letter sent on XX/XX/XXXX was not read or heeded Meanwhile, they continued to tack on monthly interest, call and harass me for an item that I have paid for.

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