bella1122

I am writing you with interest in the Class Action Suit between CareCredit and FIG / LD. I received 3 of 12 treatments from FIG before they closed their doors in Dec. 07’. I opened a CARECREDIT account in the FIG office in July 07’ for $4000.00 and promised per my CARECREDIT agreement that it would be paid off within one yr. I also set up for ACH payment to be drafted from my checking account monthly for $271.00 to pay CareCredit. After the doors closed and I realized that FIG was no longer in business I contacted Care Credit. I was assured by the phone rep. that there were plenty of claims and opened disputes with FIG and it would be taken care of, but it may take some time. She recommended that I continue making my payments and sent me a Dispute letter. I filed the dispute and continued making my payments. I was nervous to NOT pay them because I didn’t want to further damage my “not so perfect” credit. At this point I had already paid half of what was owed to them. In the meantime I was receiving legal documents from some court in St. Louis that there was Chapter 11 and things of that nature pending. In June 08’ (7 months since my last treatment) and only 2 payments remaining before Care Credit was paid off I received a letter from CareCredit that stated that the dispute was granted in my favor and they would credit my account $780.00. ….ok $780.00 is all that I owed them- what about all the money that I ALREADY PAID! Needless to say I was not happy with this resolution , so I called and spoke to another CareCredit rep. that told me that I needed to open another dispute and he would send me out the form. It came, I filled it out and waited for a response. I received a generic response that they were investigating my dispute and I would be contacted by mail with a response. I was in the process of moving to Georgia to open a business, but I kept a look out for the response… and NOTHING ever came. I called ANOTHER rep. 3 weeks ago to make sure they had my new address on file and check on the status of the dispute and she informed me that my dispute was resolved (not in my favor) and a letter would be sent out to me explaining the details. The next piece of communication from CareCredit that I received was a letter stating that they were lowering my credit limit to $700.00. (from $4000.00) Now I am REALLY upset!! So I call AGAIN! Now I get someone on the phone that understands and re-opens the dispute. But as you can guess, she is sending me another dispute form. What can you recommend that I do. I feel as if I am living a true life version of Groundhog Day. Please contact me back LeAnna