Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
On XX/XX/XXXX I received services for an XXXX of XXXX XXXX XXXX XXXX XXXX I agreed to the services and paid in full by credit card for a total of XXXX x XXXX equals XXXX dollars. A mock up of XXXX XXXX XXXXXXXX was also completed along with tooth preparation for a cost of XXXX XXXX XXXX XXXXXXXX dollars. I was adamant that I was unsure that I would be ordering a XXXX or having it installed due to pricing from start to finish of my visit on the XXXX. I also received a estimate for services of the following work to be completed after the XXXX. I was also told that when I was ready the XXXX could be ordered and would take at least a week to arrive. The following work was not completed. 
XXXX  XXXX XXXX XXXX XXXX XXXX dollars 2. XXXX XXXX XXXX XXXX  XXXX dollars. this would have been for XXXXXXXX XXXX XXXX XXXX XXXXXXXX codes have been included in front of the description I did not have this work completed. XX/XX/XXXX I asked for a refund via email for these prepaid services listed as items 1 and 2 above. I was told that the XXXX had already been ordered and therefore I would have to pay in full for the XXXX. I explained I specifically asked them not to order the XXXX because I was unsure and now I was certain I would not be having the XXXX completed through their offices. I was told the XXXX was already in the office which was a lie because they had not received a XXXX from 4 days before when I was there. They just wanted to hold me financially liable and ensure I would return to complete the work and hold me financially liable for the remaining portion. The provider finally agreed to refund XXXX of the XXXX charged to my credit card. There were discounts of XXXX. The XXXX for XXXX  XXXX was not performed. The estimate total of charges were XXXX. The cost of the XXXX was XXXX minus a XXXX discount leaves a cost of XXXX. XXXX plus mock charges of XXXX plus an XXXX charge of XXXX totals XXXX in total charges. I prepaid XXXX. A refund was issued of XXXX. XXXX minus XXXX leaves an outstanding refund owed balance of XXXX. At no time was a chair cost or XXXX XXXX cost explained or stated in writing. I understood the XXXX XXXX XXXX  charge stated on the estimate to include tooth preparation cost. There is no line item for a XXXX XXXX charge on the good faith estimate and the dentist is refusing to refund the remaining XXXX dollars due claiming a cost for XXXX XXXX that was written or verbalized at the time of services. I have asked the dentist as of today XX/XX/XXXX via telephone to refund the remaining funds for services agreed upon that were not rendered. The dentist acknowledges that the services were not rendered and XXXX XXXX was not detailed as a separate cost in the estimate but still refuses to refund the money. This amount exceeds the Good Faith Estimate by XXXX dollar or more and thus violates the No Surprise Act mandated by federal law. I have estimates and email correspondence.

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