Michelle Smith
August 8
Care Credit Customer Complaint
I had to open a Care Credit account a few years ago when my teenage son needed to have dental work done. The first time that I paid the card off, I didn’t encounter any problems with the company. The second time that I used the card however; I had a totally different experience.
My payments were due at the end of the month and being a teacher in California, my pay date is on the first of each month. After several months of having to pay this bill at an inconvenient time, I decided to make an extra payment through the mail in order to get ahead a payment, to match my pay date. Making a double payment at the end of the month should get me on schedule for the next month, or so I thought. The next month, I was charged a late fee. When I called to ask why, I was told that I had been charged a late fee because I missed a payment. I explained that I had made two separate payments in the previous month, so that one could be applied to the current month. I was told that I had made the too early and that was why I was charged a late fee. I thought that this was a small misunderstanding that could be resolved. I was told that because the payment was received before the new statement was generated, they were both applied to the same month, and that the late fee would stand. After a few months of arguing with rude supervisors, I was convinced by a customer service representative to sign up for automatic payments. Previously, my payments were $25 monthly, with automatic payments, the required minimum payment way $50 monthly, that’s double! I thought that I should go on and sign up for the auto payments to save myself the hassle of having to deal with these people and this problem. The first auto payment came out of my bank account, and was applied to my Care Credit account without a problem. A few months later, I noticed that my balance was getting larger instead of smaller, how could this be if I’m now paying double? When I called to find out what was going on, I was told that the automatic payments were set up for the 5th of each month, while the due date was the 3rd of the month. At the end of the day on the 3rd, I was being charged a late fee, and on the 5th they applied my $50 payments to the account. Again I thought that this was a small misunderstanding that could be resolved. As I started to question the agent as to how this could happen, I mysteriously got disconnected. I made a few more calls, in an attempt to rectify the situation, but to no avail, long hold times and more mysterious disconnections continued to occur. I was asked why I set up my automatic payments after the due date, I told them that the representative gave me that date, how could this happen? I told them that the first auto payment was fine, how could this happen? I was told by one of the reps that my due date had been changed, and now falls before my payment is due. I asked why my due date was changed; they had no explanation as to why. After 3 months of calling, automatic payments had been taken out for 6 months total, my balance was higher than ever, I still thought that this problem could be resolved, I was so, so wrong.
In July, the 7th, month I called again and was told that I owed around $100 for that month, how? I’m still making automatic payments through this whole nightmare! I was told that no payment had been received that month because automatic payments are only in effect for 6 months, I now owe them even more money!?!? I have automatic payments on other accounts; I have never heard of that. I was told by representatives as well as supervisors that there is nothing that they are willing to do as far as reversing some of these fraudulent charges and fees. As of now I have no idea what to do about this situation, I am asking whoever is reading this complaint to put yourself in my shoes. I have tried to keep this account in good standing; however, this company is making it next to impossible. Please, any advice is appreciated. Thank You –Michelle Smith I can be reached at: [email protected] Thanks again
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