Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

APR or interest rate New Jersey

After i consulted with my medical provider, i was asked to speak to the billing coordinator prior to scheduling anything She provided me with literature about care credit financing attachment included It was aligned to me that there were various payment options available including promotions for interest free financing over periods of 6, 12, and 18 months. I was told my purchase would also qualify because it would exceed the minimum purchase requirement. I was also told that i would have to be approved for credit worthiness. The credit application was submitted and accepted. The purchase was made in the amount of $4300.00 and automatic payment was subsequently set up for $ - monthly which would coincide with 18 months of payments totaling $4500.00 so that the balance would be paid by the promotional expiration. Since automatic payments and electronic statements were enabled no statements were viewed until within the last week when the balance was checked in preparation for the final monthly payment only to discover that the promotional rate had expired and we were charged the purchase interest rate approx $1100.00 as well as a few months interest. I was immediately sick to my stomach as i was


that i was told we had the option of all three to no resolution. i took further action of contacting care credit, explaining the situation in full as well as requesting to speak to the dispute resolution department. I was told by the representative that the dispute department could not help me and would not speak to me. I asked the representative if she could assist me and was told no, i inquired who i could speak to about my situation to find a resolution and was told " nobody ''. I was left without any action and felt totally taken advantage of as well as left helpless and with guidance as to how to proceed. I plan on paying the full balance including the interest charges despite feeling completely ripped off and that i should not have to based on the following : Deceptive Enrollment Process- I was not provided adequate guidance making me aware of the available options, terms and conditions by the dr 's office and was never contacted by the credit company. Inadequate Disclosures- The only explanation offered about available promotions was through the dr 's office billing staff which aligned that i was able to use any of the available options in the brochure.