A simple dental procedure, which turned into two years of appointments, costing more than $**,***, has ended up robbing me of over $*,*** in interest because of misinformation regarding the lending process.

GetHuman-ugogirli's customer service issue with Synchrony Bank from June 2018

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The issue in GetHuman-ugogirli's own words
Pay off my loans without incurring interest. ... I was misled about how monthly payments are handled and applied. I set up my Care Credit account while I was at a dental office and each time they insisted on doing something else, the office manager would come over to the chair where I was laid-out and tell me different things like "It'll only increase your payment by..........." She assured me that I would have interest free as long as I NEVER missed a payment. So, that was in **** when I went to have an emergency crown replaced. The next day, I was fired from my job. The day after that, they did a work-up of the many procedures I needed to have done. That dental office was extremely pushy, very intimidating, and misrepresented Care Credit. So, until recently, I assumed, since I was on auto payment, that the terms had been calculated for me to make certain I wasn't going to be charged interest. The amount ended up being so much that we thought we should put it on our Home Equity Line of Credit and*or just pay it off - but decided that this deal was almost too good to be true, so why rock the boat. That said, I recently added a $*,*** charge from my vet's office, which is how I found out that last year I paid more than $*,*** in interest - and over $*,*** in interest so far this year. I almost had heart failure!!!!!!!!!!!!!!! I STILL cannot believe this has happened to me. I beat myself up enough just for spending over $**,*** on my teeth, but then to find this out..............OMG!!! I'm now retired and on a fixed income, and to still owe $*,*** after all this time, is devastating. I'm begging and pleading with you to get rid of all those interest charges. It's so obvious that I was misled by my dental office, but the whole repayment system is too complicated for the average person. If there is a GOD, somebody has to help me out here. I've worked all my life to be able to retire and have a small nest-egg. This mistake will do me in - monetarily and emotionally. p.s. I've made arrangements to pay off the balance before the next due date, which is ***. It's going to REALLY hurt to have to do that, but I have no choice since I've already passed all the promotional due dates by paying the wrong amount (except the new $*,*** amount). The thought of more accrued interest being charged to me makes me sick at my stomach. Bottom line, YES, I made a mistake and I didn't read my statements properly. AND, yes, it's my own fault, but to have to pay that kind of price for a mistake that I could*should have avoided kills me. p.s. I tried writing this directly to Synchrony Bank, but it was too lengthy. Since this clearly says "more detail is better," I thought I'd give it a shot. My name is Diane Banks Leonard. Email is *****@***.com - and cell phone number is *******-****. I'm not able to always have my phone with me, but I check messages often. Thank you...Diane
I was misled about the interest-free monthly payments by the dental office.
Removing the interest I've been charged for the past two years.
I've had many Care Credit loans over the past ** years, paying them off according to the terms provided to me.
Praying.
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Synchrony Bank

Care Credit
Customer service issue
Reported by GetHuman-ugogirli
Jun 18th, 2018 - 3 years ago
Fixed
Seen by 8 customers so far
Similar issue to 111 others
0 customers following this
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Timeline

GetHuman-ugogirli started working on this issue
Jun 18th, 2018 7:49pm
GetHuman-ugogirli indicated the issue is not fixed yet.
Jun 21st, 2018 7:48am
GetHuman-ugogirli indicated the issue is not fixed yet.
Jun 21st, 2018 8:53am
GetHuman-ugogirli indicated the issue is not fixed yet.
Jun 21st, 2018 8:55am

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