Synchrony Bank review: Credit card (care card) fraud 1

DO NOT DEAL WITH THIS BANK

I had implant surgery with a nearby dentist. A week before the surgery, the office lady charged me for the estimated cost. She opened an account with Synchrony Bank in my name (she had my SSN), activated a charge card in my name, and placed the unauthorized charge for $8K. Apparently, Synchrony Bank pays her a commission if she opens accounts or charges services on their credit cards. This is explained on the Synchrony website under "providers". So its a win-win for them. She gets about $1,000 in commission and the bank owns a loan with 27% interest. The only loser is me.

I had arranged for a real credit card with 18 month 0% APR for this charge. But I was stuck with a 27% loan with Synchrony bank and no intro APR. I disputed the transaction 3 times, but of course Synchrony denied me, as they are financially interwoven with the person who placed the fraudulent charge. I contacted the government and they suggested that I press criminal charges, which is still an option. This bank laughed at me as they sent rejections to my disputes. They sent the same letter each time, with nothing but a check mark next to "Received Services". Of course I received services, that is not the issue!

Then they actually reversed the charge for the dental services and placed a charge from Synchrony Bank for the same amount. This actually increased the amount of interest that I would pay. I gave up on calling their CS, because it surreal, like a twilight zone, how incompetent the reps AND the bank are. Nobody can be that dumb. They were trying to abuse me so that I would stop caling. Today, after the 3rd dispute rejection, they sent me another credit card. I sent it back. This bank is criminal. They committed several felonies in dealing with me. They have NO conscience and will do ANYTHING to screw a consumer. I will be filing federal charges against the person who made the charge and against the bank.