In June 2010 my wife was told by our dentist that she needed dental work that would cost $900.00. Not having the money I applied for care credit and was approved for $3000.00 at 0% for 18 months one week later I went to the dentist with a bad tooth ache The dentist said I needed root canal therapy and referred me to an endodontist once at the endodontist I was informed that the root canal fee needed to be paid now, I presented the care credit card but I was told that the card was maxed out I thought that I had $11.000 available.
I was in pain and I needed the therapy then and there. I called care credit customer service and explain the situation, care credit had me jump hoops but they finally increased my credit limit by $300.00 enough to pay therapy. The next day I called the dentist that made the referral to ask why was my card maxed out? I was told that they goofed by not telling me beforehand that I would have a problem.
when the care credit bill started to arrive I would pay between $100 to $150.00 a month so far I paid care credit $1850.00 I requested the dental office to refund care credit so I could close account they wrote me two checks made out to me and not to care credit totaling $1356.00 I then asked where is the rest of the account balance but I only got vague answer about $473.00 merchant fee billed to me. I called care credit why I still had $1500.00 bal. I think I only owe $568.00 the rest of the money is in the dental office care credit said I could only dispute by mail and they would send me a dispute form. Once I received the form I made my dispute and mailed it by certified mail to the address printed on the form 3 days later I tracked and confirm that the letter was delivered and signed by Ramiro Lopez an employee of gemb.
I waited one week and then called care credit but they said they did not have the letter and claimed they did not know Ramiro Lopez.
after talking to several GE staff some in south Dakota and in Florida I would get different stories and to send another form to a different po box I repeated sending the dispute form and documents, I tracked and confirmed delivery, this time they acknowledged having my 2nd dispute form and they suspended payment for 1 billing cycle, now the payment are back with no change it looks like nothing has been done about the dispute I still owe the balance I never used Tomorrow I will proceed to small claims court against the dentist what else can I do? I keep checking the math over again
Product or Service Mentioned: Carecredit Credit Card.