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CareCredit Complaint - Credit card thieves - Medical/dental credit card
Medical/dental credit card - Complaint
EL PASO, TEXAS -- To whom it may concern:
The purpose of this letter is to file a formal complaint on CareCredit for "TERMINATING PROMOTIONAL INTEREST FREE OFFER" without proper notification. (violation of statue 226.7 of the CCPA)
I accepted this credit card only for dental services, with a 12 month term ending 3/11/2010. On the acceptance letter attached to the credit card I received by mail, there was no indication of a cut off time for payment due date. The minimum payment was from $20 to $30 dollars due on the 4th. I paid always around the 15th of the previous month, for the payment due the next month on the 4th and always paid $100 monthly.
In September 2009, I posted my payment on the 4th at 7pm. Not knowing that in the statement in very small letters on the left hand side under "account information" stated "payment due by 5pm", (this note has been moved now after the February/2010 credit amendment, to the right hand side IN BIG LETTERS under payment information). The following month when I see a late charge on the statement, I called and was informed of such clause. I sent a letter of complaint and received a month later a generic letter with a denial for my request to have the late fee reversed. No other notificaion of change in terms for my account. Then to my shocking surprise on the December 2009 statement, they added $209.35 finance charge. I called and was advised that because the issue with the September statement my promotional "no interest" offer was terminated. I asked why I was not properly informed of such change and they replied that a letter was sent in November. There was no such letter and this is another scam from this credit card company.
I requested to close my account immediately and I will pay off the remaining balance $439.99, that same day as long as the reversed that finance charge. The supervisor I spoke with Kyle stated he did not have the authority to reverse the charge, that I will have to send my request in writing. There was no other manager or director that could speak with me. I sent a letters that was answered again by a generic response. Stating they regret to inform me that the charges could not be reversed. Never received a courtesy phone call from a human, in order to discuss this matter.
A formal complaint was filed on the Consumer Protection website #25707151. I paid off the balance on 2/15/2010 before the end of the 12 month contract 3/11/2010. I will continue to fight this fraudulent charge on my account and will file a lawsuit on small claims court if necessary.
By the way, last week I did receive a phone call from somewhere in India, asking if I wanted to make a phone payment on the remianing balance. I told the representative to write down on his comment for the call, that I will be filing a legal action againts CareCredit and NO PAYMENT!!
The purpose of this letter is to file a formal complaint on CareCredit for "TERMINATING PROMOTIONAL INTEREST FREE OFFER" without proper notification. (violation of statue 226.7 of the CCPA)
I accepted this credit card only for dental services, with a 12 month term ending 3/11/2010. On the acceptance letter attached to the credit card I received by mail, there was no indication of a cut off time for payment due date. The minimum payment was from $20 to $30 dollars due on the 4th. I paid always around the 15th of the previous month, for the payment due the next month on the 4th and always paid $100 monthly.
In September 2009, I posted my payment on the 4th at 7pm. Not knowing that in the statement in very small letters on the left hand side under "account information" stated "payment due by 5pm", (this note has been moved now after the February/2010 credit amendment, to the right hand side IN BIG LETTERS under payment information). The following month when I see a late charge on the statement, I called and was informed of such clause. I sent a letter of complaint and received a month later a generic letter with a denial for my request to have the late fee reversed. No other notificaion of change in terms for my account. Then to my shocking surprise on the December 2009 statement, they added $209.35 finance charge. I called and was advised that because the issue with the September statement my promotional "no interest" offer was terminated. I asked why I was not properly informed of such change and they replied that a letter was sent in November. There was no such letter and this is another scam from this credit card company.
I requested to close my account immediately and I will pay off the remaining balance $439.99, that same day as long as the reversed that finance charge. The supervisor I spoke with Kyle stated he did not have the authority to reverse the charge, that I will have to send my request in writing. There was no other manager or director that could speak with me. I sent a letters that was answered again by a generic response. Stating they regret to inform me that the charges could not be reversed. Never received a courtesy phone call from a human, in order to discuss this matter.
A formal complaint was filed on the Consumer Protection website #25707151. I paid off the balance on 2/15/2010 before the end of the 12 month contract 3/11/2010. I will continue to fight this fraudulent charge on my account and will file a lawsuit on small claims court if necessary.
By the way, last week I did receive a phone call from somewhere in India, asking if I wanted to make a phone payment on the remianing balance. I told the representative to write down on his comment for the call, that I will be filing a legal action againts CareCredit and NO PAYMENT!!
Comments:
Posted by BEJ on 2010-05-04:
Did you read the terms of the promotional offer before accepting it. Everything is generally spelled out in the terms and conditions. You were late with the payment and they had every right to revoke the promotional offer. Re-read your terms and conditions--if they did not disclose that you could lose the promotional offer and be charged interest--you have something to go back to them with.
Posted by FlShopper on 2010-05-04:
I agree. Look at the terms you accepted. It more than likely states that they can increase your rate and add the accrued interest back in if you are late. And because it's (probably) in the terms, they don't have to advise you by letter, since you were advised of this possibility in the original agreement. Also, the fact that they did write that the payment was due by 5pm (albeit in very fine print) puts the onus on you to get the payment in before the deadline. I know it's frustrating, but it seems to me they're on pretty solid ground and you still owe them this money.
Be careful that this doesn't continue to snowball and negatively affect your credit score.
Be careful that this doesn't continue to snowball and negatively affect your credit score.
Posted by momsey on 2010-05-04:
Unless you've never had a credit card before, or done any kind of banking before, you should know that if your due date is the 4th, you have to pay by a reasonable close of business. 7 pm is after business hours.
I have a Best Buy credit card that I have bought a couple of things on with the promotional interest free period. I gotta tell you, that's one of the first bills I pay each month. I'm not daring to take a chance to pay late and not only get a late fee but also be required to pay all of the deferred finance charges.
Granted, if you were late, they might have been nice and given you a free pass. But, you knew the terms of the card, and you violated the terms of the promotion. And banks and credit cards have no incentive to be nice these days. As far as I can tell, they had every right to do what they did.
I have a Best Buy credit card that I have bought a couple of things on with the promotional interest free period. I gotta tell you, that's one of the first bills I pay each month. I'm not daring to take a chance to pay late and not only get a late fee but also be required to pay all of the deferred finance charges.
Granted, if you were late, they might have been nice and given you a free pass. But, you knew the terms of the card, and you violated the terms of the promotion. And banks and credit cards have no incentive to be nice these days. As far as I can tell, they had every right to do what they did.
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