Report: #1405466

Complaint Review: Synchrony Bank

  • Submitted: Tue, October 10, 2017
  • Updated: Tue, October 10, 2017
  • Reported By: regina — Pennsylvania USA
  • Synchrony Bank
    PO Box 965035
    Orlando, Florida

Show customers why they should trust your business over your competitors...

Synchrony Bank gave me a loan for a dental treatment. Since I was misdiagnosed and treated wrongly, I disputed the amount paid for something that I didn’t need. Nobody from the Dispute dept. of the bank contacted me while investigating the case.


After waiting 2 months I received a letter that the dispute was decided in provider’s favor. When I called to ask explanations, I was told that the bank doesn’t know anything about medical procedures and they decide the dispute in provider’s favor because they are professionals. I was stunned! Why the bank gives loans in a medical field if they don’t know anything about medicine? How that bank resolves disputes if they don’t have any specialist in the medical field?


My assumption is that the Dispute dept. just takes the salaries, do not investigate any dispute and accept that the professionals are right. They even didn’t know my side of the story. Why there is a Dispute dept. in the first place? How someone can work in unknown for him/her field?


There is no logical explanation why and how this bank exists, giving loans for medical treatments without knowing anything about medicine.


As usual a small person never wins a battle with the rich and powerful banks, doctors and corporations. It is outrageous what all of them do hurting the others, especially retired disabled like me.


The bank wants me to pay the money for a service that I didn’t need because of incapable and negligent dentists. If the bank doesn’t know anything about medicine, they won’t understand what medical malpractice is.

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This report was posted on Ripoff Report on 10/10/2017 06:40 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

Funny thing is---

AUTHOR: Striderq - (USA)

I find it very funny that when someone posts about a bank, when someone replies and tries to help them understand what haooened and why, explains how to go about making it right, the OP accuses them of working for and defending the bank. Think about it. If the person responding did indeed work for the bank, why in the world would they tell you what to do to get your money back??? That viewpoint makes no sense what so ever.

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#2 Consumer Comment

I Don't Work for a Bank


No, I have never ever in my life worked for a bank.  However, you bring up an interesting point I find funny:

Even if you got your money back, do you honestly and foolishly believe the bank is going to just eat the money??  No.  The loan you have was given to your dentist.  You remember, the guy who made you take a loan for services you didn't need?  This is the guy you're trying to protect??  If you got your money back, where is it going to come from??  The Dentist!!  If you go to court, or get a lawyer to sue the dentist, are they going after the bank?  No, the bank did nothing wrong.  They will go after the dentist.  Actually, they will go after the dentist's insurance company, but that's another issue.

The bank did nothing wrong, and I personally find it shameful for you to attack an innocent party that had nothing to do with your currect problem, simply because you think they're rich.  If you're not going after the dentist, you're wasting your time.

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#3 Author of original report


AUTHOR: - ()

 I would never take my money back dealing with greedy, incompetent, inhuman, cruel, unfair, non-caring dentists and banks.How much more the 1% could ruin the life of the rest 99%? Your insolence to continue attacking makes me sick!

I am glad that there are such public sites like to show your true face and insulting behavior.

The bank pays your salary to do your job as a banker, i assume, and you waste your time writing pages on public website trying to defend the bad image of your greedy bank??? Look at all negative reviews! What else i can expect - you receive your salaries and bonuses anyway. Who cares about the 99% small, defenceless people? What a shame! You are not worth the efforts to answer anymore.

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#4 Consumer Comment

I Don't Think So


If you were correct, you would have your $$ back by now.  You aren't, and the route you're taking by deciding not to take your dentist to court or to a lawyer only means you're victimizing yourself.  But I suspect you do that a lot, since you bring up your disability often in order to gain sympathy in a situation where your disability has no bearing on your case.  If I tell you about my disability, will that earn sympathy from you?  Not at all.  So why bring it up?  Many people who claim ripoff often identify the wrong party, or include parties who are totally blameless in the situation.  You have done that.

Since this is a public website, you also don't get to limit anyone's right to speak to your issue, especially if you're incorrect in identifying the issue at hand, and how to correct it.  You have the right to tell me my information is useless.  At the end of the day, does that statement put money back in your pocket?  No.  You can always setup your own website and freely speak to your issue without anyone interrupting you.  But that only takes more money out of your pocket.  The objective at the end of the day is to get your $$ back, and telling people about the bad dentist.  Blaming a bank for giving you a loan??  No.

For the record, no one is denying you were wronged.  There are remedies to your situation and you should avail yourself of a lawyer to secure your $$ back.  Getting ripped off is not OK.  Pursuing the wrong remedy to your rip off is not OK either.

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#5 Author of original report


AUTHOR: - ()

Nobody asked you to give advices, unless you want to expose your knowledge. To me is useless. I don't need anyone to tell me what to do, i know that i am right and only my position of small, insdignificant, disabled person prevent me from having unbiased, fair solution in my favor. No need to excuse yourself unless you are human and you discovered some strange signs of guilt...

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#6 Consumer Comment

It Is Significantly Different


I have experience with the type of contract you signed and I can say with absolute certainty your chances of a successful dispute are virtually zero.  It's the reason why the dentist opts to provide you a loan for payment of services instead of allowing you to pay by credit card; the dentist pitches the idea to you as a cheaper option and spreads the payment over several months at 0%, and the pitch makes a lot of sense to the consumer.

  In reality, it secures the dentist's payment for services rendered with little chance of a successful dispute by the patient.  The loan document bars most opportunities for a dispute for any reason except fraud.  Any amount of malpractice committed by the medical professional would still bar you from negating the contract and the contract will withstand any argument you could possibly make.

You can still go to court and argue malpractice, especially if there is a dentist willing to submit at least an affadavit to support your position.  However, if this process has been as humilating as you say, I think a PI lawyer may be able to get you more than the amount of the loan, including pain and suffering.

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#7 Author of original report

It couldn't be different...

AUTHOR: - ()

I know, big rich banks, corporations - they always have right! I have answers to all your arguments but it will be additional humiliation for me and wasted time. You have the power, the money and you will never take the side of disabled, small person.

I am wondering, though, by being unfair, greedy, heartless and harming others, by lying, how much millions and billions someone could spend in his lifetime?



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#8 Consumer Comment

Not Disputable


You took out a loan in which you agreed to the terms and conditions of the loan.  You tried to claim fraud, but the only way in which you could prevail in a situaton like this is if the dentist performed NO services for you.  Clearly, the service was performed per your report; your claim is that the service was unneeded.  At this point, you need to go to the dentist and ask the dentist WHY he didn't refund you for the misdiagnosis??


The bank isn't going to refund you for the following reasons:


1.  Synchrony Bank's client base consists of doctors, dentists, car dealers, etc... and they provide loans to their dentist, doctors, and other clients for medical or other services to be performed.  You have very little leverage in dealing with them unless the professional didn't really do the work claimed in the loan doc's.  By your own admission it was.  You simply claim the work was unnecessary.


2.  The bank does not adjudicate a dispute using the same process as a court.  You had your say.  The dentist provided evidence, and that's pretty much it.  You don't get to keep arguing your case, nor are you going to get contacted.  The bank also doesn't need to know anything about medicine, dentistry, or anything else.  They rely on the evidence presented, and that's it.  In reality, your signature on the contract is the evidence that pretty much damns your case for the bank.


Now you have a case (maybe) against the dentist for malpractice, if you can find a dental professional (or 2) who would be willing to provide written evidence to suggest the work done by the first dentist was unnecessary.  You can go to small claims court (where the judge is also not a medical professional BTW), who will decide the case based on the evidence provided and if you win, will provide you a decision that will force the bad dentist to provide you $$.  If the max amount on small claims is lower than the amount of your loan, I suggest speaking with a personal injury lawyer who can force this dentist to tap his malpractice insurance and pay off your loan, plus anything else the lawyer can figure out.


Best of luck to you...

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