I attended Capella University from 2009-2016. I earned a Master's degree without any problems. I completed all of the coursework for the Ph.D. at the same university and spent two years in the dissertation program. Due to many hindrances by the university (Absenteeism of 4 dissertation chairs, Lack of guidance and direction/feedback and extremely slow response time- many weeks) I decided to withdraw from the university. My overall GPA for the doctoral program was a 3.8 and my total tuition was $185,000 for the two degrees. The university issued me a Ph.D. completion of coursework certificate. Can I use Ph.D. as an earned degree on my resume and other credential necessary situations?
No, you cannot. Your GPA and the money you paid are irrelevant here – there is simply more to a PhD than coursework. What you can try to do is try to apply to another PhD program and see if they will waive the coursework requirements, as you have already completed them – I don't know if that's possible. But if you don't have a paper from your university with the words "PhD diploma" (or equivalent) on it, then you cannot say that you have a PhD without lying. If your (potential) employer catches you, they will be in a good position to fire you.