Complaint Rating:

I mailed my payment on June 7th with the payment not due until the 27th. They started calling me on the 20th asking where my payment was and asking me to make the payment over the phone (seems to be a regular practice). I told them it wasn't even due until the 27th, I had already mailed the payment (gave check #, amount, and date mailed), and I would not give my checking account info over the phone. I was getting at least one phone call a day, sometimes 3 or 4 a day, each time having the same conversation. On the 26th a lady called telling me that they still hadn't received my payment and it obviously wouldn't get there in time and if I didn't make a payment over the phone I would get a late fee charge. I told her I would not do that. I made the payment online at about 9 a.m. on the 27th (due date). She calls back around noon telling me I need to make the payment over the phone. I told her I made it online and she argued with me telling me she didn't show a payment had been made. I checked my email while on the phone with her and I had received a confirmation email and started reading her the confirmation #. She wouldn't even let me finish. She was trying to cut me off but I kept talking reading her the #. She just said thank you and hung up. On the 29th they credited the account with the amount of the check I had sent. This has happened before. They hold the check, call you and tell you that you have to make a payment because your check is not there and you will get charged a late fee, then after you make the payment they 'find' your check and deposit it. They are very insistent that payments be made on the phone. Most companies are fine with payments made online, but not Care Credit. You can't email them and when they call you they are all speaking in such thick Indian accents you can barely understand them. When I received my statement today showing what had happened I was very upset and called customer service. I asked the guy if Care Credit was trying to run a scam and he told me he was very offended personally. I told him that I didn't say him personally, I was talking about his company. He told me there was nothing he could do. The first time they held a check was at the end of the 12 month no finance charge period. All payments had been on time and they held the last check to make it late just so they could raise the finance charge from the on time charge to the higher late rate.