Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Other fee Georgia

In -, I had a - and went to see a dentist who told me that I needed to have at least - would continue to come back. The dentist told me that the cost of the procedure would be $1500.00 copay. I could not afford to pay that so I went to see another dentist -. -/-/- I went to another dentist - and was quoted $1200.00 for the same problem including -. I told them that I did not have the copay of $1200.00 but i wanted to have my -. The doctor sent to me receptionist who told me that a company called care credit can offer me a credit card to cover the cost. I agreed to the terms because the receptionist explained that the company does not charge any interest if I pay the balance in 12 months but they charge interest during the course of the year which will be returned to me if I pay the card in full. I signed the paperwork and had the procedure done. The dentist ended up removing - because she found problems with more -. My son who is in school needed to have his -. the


much I needed to pay off the account. They told that I owed $2500.00. When I asked them if I was going to get a refund of the interest that I had paid they told me that I was not eligible for any interest. I decided to make payments to my insurance so that I could pay care credit off the following month. When I called to pay off the $2500.00 they told me that they had added $400.00 plus at the end of - for the initial credit and that they had another $440.00 in - for the second account. They refused to accept a settlement of $2500.00 at the end of - citing that even if I pay $2500.00 the interest will continue to accrue. It is then that I paid $320.00 to cover the balance due while I discuss with customer services how the deferred interest was explained in a different way to me by the receptionist at the doctor 's office. I exhausted all the avenues of negotiating with the managers who all told me that the information I received was wrong.I then called your office after reading about care credit on the internet. I told care credit to stop calling me because I was getting legal services to handle the case. In the meantime I asked them to send me the previous statements so I can submit them to your company. The following month when I was trying to make a payment I was told that my monthly payments had gone up from $94.00 to $150.00 because my new balance was $3500.00. This has greatly affected my credit score and its impacting my daily life as I can not apply for credit as long as this issue is unresolved. I can not afford to pay this much amount as I am in school and I also feel that the company is fraud. They did not explain to me how their care credit deferred interest works until this year. If I knew about this I would not have taken the credit.