Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

APR or interest rate North Carolina

I am submitting a formal complaint regarding my CareCredit account and request that interest be removed from my account and only be charged from the balance when the promotion ended. The original loan was for $8100.00 and I had paid it down to $3200.00. Going back to the original balance is unfair and deceptive practice. CareCredit is performing like a predatory lending company and not like a bank charging interest rate at 26.99 % to low income consumers. When I called Synchrony Bank to complain and to request a copy of my signed terms and conditions they referred me to the dentist office. I called the dentist office and they said they do not have copies of the agreement. I then again called Synchrony Bank to request a copy and I still have not received a copy of my signed agreement and I asked to speak to a manager and no one has returned my request for a call back. Synchrony Bank should have the promotion ending on the home page on their web site when you sign into your account. Payments are also made from the home page never requiring you to open your statement. I was paying over the minimum balance and thought I was paying it off early due to the minimum balance kept going down. The emails stating my statement is ready should have the promotion ending as well. In addition, the provider never said that I would need to make $450.00 payments in order to pay the credit card off to avoid the interest charge. The provider that offered the product was not informative regarding interest rate, payments and that the interest would be charged from the original loan amount.