Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
On XX/XX/XXXX, I brought my dog to XXXX XXXX, CA. The total bill was {$810.00}. I asked the cashier to put it under the promotional plan on my Care Credit Card. She had requested that I send it through the credit card terminal. After I realized that it was different from how I remembered promotional/payment plans are processed and requested the cashier to confirm, the cashier asked me to press the red button to cancel the transaction. Unfortunately, the cancellation was not going through. She thought that the terminal may have frozen. She then processed the payment under the promotional/payment plan on a different system. This is the one I signed. Right before leaving the XXXX branch, I checked my Care Credit account. I saw I had been double charged. The cashier said that one of the charges ( one processed through the terminal ) would drop. I filed a dispute with Care Credit. They reversed the charge effective XX/XX/XXXX, pending investigation. On XX/XX/XXXX, the {$810.00} reversed on XX/XX/XXXX was rebilled to the card. Around XX/XX/XXXX, XXXX from XXXX XXXX and I spoke with a XXXX Representative. She and I kept explaining that there should only be one charge of {$810.00} for about an hour. The representative On XX/XX/XXXX, I brought my dog to XXXX XXXX, CA. The total bill was {$810.00}. I asked the cashier to put it under the promotional plan on my Care Credit Card. She had requested that I send it through the credit card terminal. After I realized that it was different from how I remembered promotional/payment plans are processed and requested the cashier to confirm, she asked me to press the red button to cancel the transaction. Unfortunately, the cancellation was not going through. She thought that the terminal may have frozen. She then processed the payment under the promotional/payment plan on a different system. This is the one I signed. Right before leaving the XXXX branch, I checked my Care Credit account. I saw I had been double charged. The cashier said that one of the charges ( one processed through the terminal ) would drop. I filed a dispute with Care Credit. They reversed the charge effective XX/XX/XXXX pending investigation. On XX/XX/XXXX, the {$810.00} reversed on XX/XX/XXXX was rebilled to the card. Around XX/XX/XXXX, XXXX from XXXX XXXX and I spoke with a XXXX Representative. She and I kept explaining that there should only be one charge of {$810.00} for about an hour. The representative reOn XX/XX/XXXX, I brought my dog to XXXX XXXX, CA. The total bill was {$810.00}. I asked the cashier to put it under the promotional plan on my Care Credit Card. She had requested that I send it through the credit card terminal. After I realized that it was different from how I remembered promotional/payment plans are processed and requested the cashier to confirm, she asked me to press the red button to cancel the transaction. Unfortunately, the cancellation was not going through. She thought that the terminal may have frozen. She then processed the payment under the promotional/payment plan on a different system. This is the one I signed. Right before leaving the XXXX branch, I checked my Care Credit account. I saw I had been double charged. The cashier said that one of the charges ( one processed through the terminal ) would drop. I filed a dispute with Care Credit. They reversed the charge effective XX/XX/XXXX, pending investigation. On XX/XX/XXXX, the {$810.00} reversed on XX/XX/XXXX was rebilled to the card. Around XX/XX/XXXX, XXXX ( Manager ) from XXXX XXXX and I spoke with a XXXX Representative. She and I kept explaining that there should only be one charge of {$810.00} for about an hour. The representative refiled a dispute on my behalf. On XX/XX/XXXX, Care Credit continued to deny my claim. Please help investigate this.

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 monetary relief