Question by : CARE CREDIT RIPPED ME OFF, what can I do? I pay my Care Credit bill online manually each month (NOT automatic payments). Each month I enter my checking account information to indicate where I want the payment taken out of. Well this past month I typed in my husband's checking account (he was on the phone with me telling me the account number while I submitted the payment so I KNOW I typed his information in) and the payment seemed to go through with out a problem. Several days later I see that the payment has been taken out of MY checking account!! But of course I didn't have any money in there! In fact I was going to close my account today! So of course Wells Fargo let the payment go through and then charged me a $ 35 overdraft fee. I'm pissed because Care Credit was supposed to take the money out of my husband's account and not mine. If I typed in his account information incorrectly I should have been informed by email or phone call, or on the next screen! If I am not on his account - making it so they can't approve the payment (I thought I was but maybe I'm not, we're recently married) then I should have been told the payment would not go through - again by phone or email or on the next screen! Instead, they used my previously STORED banking information and took the money from my account WITHOUT my permission. I did not authorize recurrent payments. Only one time payments! The Care Credit lady on the phone said to write to the company and tell them my situation. Will that do any good? I want my $ 35 overdraft fee back and you know damn well that Wells Fargo won't give it to me. They say, "it's bad business practices on the part of Care Credit not to refund you the money. It's their responsibility to give it to you, not ours." What can I do besides writing to them? I'm pissed. I want to complain to the Better Business Bureau or something. Print it? Why would I print it? That would have been the smart thing to do. lol Actually I don't have a printer. And even though I get emailed confirmation of payments from my other credit card (HSBC/Orchard Bank) and for Ebay and PayPal and the like, Care Credit doesn't send you email confirmations. How convenient for them! I like the affidavit idea. I did give them my husband's checking account number (and then mine in the past), not the debit card/Visa check card number. Best answer for CARE CREDIT RIPPED ME OFF, what can I do?:
Answer by Laura
Keep any type of evidence of this that you can (bank receipts, statements, etc). If writing a letter doesn't help, you can go to your bank (where the account is that they withdrew from) and fill out an affadavit. This is a form for people who get false charges to their account. The Affidavit specifies what happened (you can mark if you only gave permission for a one-time withdrawal). Remember, If you gave them your account number, you can fill out an affadavit, but if you gave them your debit card number, an affadavit can not be filled out. If you gave them a debit card number, cancel the card and hopefully they won't try it again. Sometimes these companies can still force charges through somehow. IT sucks huh?
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The busy holiday season is approaching. That means a few hundred more things to do on top of the thousand that we already do every day. Holidays can be overwhelming and make us forgetful, but there is one important chore we must not forget. Paying your bills and making sure they are on time.
Start by getting organized. Have a specific container for all your bills. It can be a file folder, basket, or a simple letter tray. If you have a file folder or bill divider you can separate the bills for a more added convenience. As soon as a bill arrives in the mail put it in your organizer.
Next, you will want to set up a clean and organized place to pay your bills. Make sure it has everything you need; your checkbook, checkbook register, calculator, calendar, pens and pencils, stamps, and anything else you might need to pay bills. If at all possible, designate a place where there is little distraction.
Schedule a time each week where you can dedicate yourself to sit down and handle the bills. It will make it much easier if you do a little each week and you are more likely to make your deadlines.
When you open your bill, circle or highlight the due date, and put it in your organizer. Mark your calendar to make the payment at least one week before the bill is due. This will allow for plenty of time to get through the mail. This is more important around the holidays when mail delivery can lag behind due to all the extra packages. Constant late-payments could be recorded on your credit record and hurt your score.
When you are done paying the bill, make a note on the bottom with the date you paid and the check number that was used. If you pay your bill online or over the phone, write down the confirmation number that you are given and record it on the bill statement. File and keep your paid bills in a separate file in case there are any errors or bill disputes. Go through all your past bills once a year and if the payment went through with no problems, then you can shred them.
Another fast and convenient way of paying your bills is with an automatic withdrawal. This will save you time and ensure that your bills will not be paid late. We have also previously discussed online bill paying, which is another easy way to quickly pay bills and save some money and hassle.
Whatever method you choose it is important to stay focused and organized. Habits are hard to break and setting a time each week to take care of your bills is a good one to get hooked on. Recommend Bill Paying Tips Topics
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