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American Laser Centers Complaint - Refund Wanted - Care Credit
Care Credit - Complaint
I won $300 worth of treatment.....Boy was I lucky!!
I completed and signed papers to get the treatment financed. I later rec'd a denial letter. "We are unable to grant financing. OK No problem. I can't afford the treatment so I let it go. I get a call from the finance co. for a payment. I explained to them that they denied the financing. They said Ok, Ill note the account. Two years later I get a collection letter saying I owed over $2000.00. American Laser received money from Care Credit Plus (the sister company). They paid ALC over $1200.00 the balance is interest. They never connected me and informed me that they received the money. I contact ALC and was told that I needed to contact Care Credit. They intentionally received the money and kept it. In my book that is theft. I am hoping that they will pay me the money they received in hopes that Credit Care will waive the interest under the circumstances or pay me the full $2,000.00 so that I can pay the finance company and get this off of my credit. Ill come back and let you know how it works out. I have contacted an attorney and have him on standby if they don't want to refund the money the rec'd and kept a secret.
I completed and signed papers to get the treatment financed. I later rec'd a denial letter. "We are unable to grant financing. OK No problem. I can't afford the treatment so I let it go. I get a call from the finance co. for a payment. I explained to them that they denied the financing. They said Ok, Ill note the account. Two years later I get a collection letter saying I owed over $2000.00. American Laser received money from Care Credit Plus (the sister company). They paid ALC over $1200.00 the balance is interest. They never connected me and informed me that they received the money. I contact ALC and was told that I needed to contact Care Credit. They intentionally received the money and kept it. In my book that is theft. I am hoping that they will pay me the money they received in hopes that Credit Care will waive the interest under the circumstances or pay me the full $2,000.00 so that I can pay the finance company and get this off of my credit. Ill come back and let you know how it works out. I have contacted an attorney and have him on standby if they don't want to refund the money the rec'd and kept a secret.
Comments:
Posted by Helpful on 2010-09-16:
I would be interested in knowing how this turns out.
The "red flag" comes immediately when you state you "won" $300 worth of treatments and then filled out financing paperwork to "pay" for the treatment. Are you sure you knew what you were doing or what you were signing? I'd start by requesting, certified and in writing, a copy of the financing paperwork and any agreement that ALC claims they have. Don't delay, as you only have a short time frame to do it in.
Ultimately, you'll want to reference the Fair Debt Collections Act and the Fair Debt Reporting Act. Ultimately, if you've signed an agreement to pay and signed paperwork accepting the loan amount, you may be stuck. This is where an attorney will be better at instructing you. If not, you have a limited amount of time to dispute the debt and have it flagged or removed from your credit reports.
Best of luck and, again, keep us informed.
The "red flag" comes immediately when you state you "won" $300 worth of treatments and then filled out financing paperwork to "pay" for the treatment. Are you sure you knew what you were doing or what you were signing? I'd start by requesting, certified and in writing, a copy of the financing paperwork and any agreement that ALC claims they have. Don't delay, as you only have a short time frame to do it in.
Ultimately, you'll want to reference the Fair Debt Collections Act and the Fair Debt Reporting Act. Ultimately, if you've signed an agreement to pay and signed paperwork accepting the loan amount, you may be stuck. This is where an attorney will be better at instructing you. If not, you have a limited amount of time to dispute the debt and have it flagged or removed from your credit reports.
Best of luck and, again, keep us informed.
Posted by jktshff1 on 2010-09-16:
In addition, get your lawyer on them and tell him/her to include his/her fees in the deal to settle.
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