Letter I wrote to Mr.Begor:

Mr. Begor:

Starting in February of 2011, I have experienced a glitch in your CareCredit website which reverses payments I have made. When I call customer service, the claim is that my bank account / routing information was not entered correctly. By this time (usually 5-7 days later) I have accumulated a late fee on my account which is now an accumulated balance of around $140.00. Also, due to this problem, I have made payments over the phone with my debit card and been charged $15.00 per transaction, which is half of my total minimum payment amount.

I called my bank to verify that all of the numbers I had were correct and I checked all of my bank statements. I have also verified, taken screen shots from my computer, and sat down with my Attorney to show him the payment process. During this time, the confirmation page (which has written verification of the account numbers entered) shows that the numbers are exactly the same as the ones on my personal bank account statement.

This error has occurred every time I have made a payment this year. I have also done some research to find out that I am not the only person experiencing this problem. After several calls I have made to your company to have this resolved I have only been redirected and then hung up on.

Another problem I have noticed the last few times I have logged in to your website, the forum for my bank account information was already populated with incorrect numbers. Even though I reversed the numbers and entered my correct information, the payment was yet again reversed.

I would also like to know why every other company I submit a payment to sends me a Receipt of Payment Confirmation notice right away and your company sends me a "Request for Payment Sent" notice which requires me to check my back account to verify that it has gone through. Then, I have to check it every day and wonder at what point it will be late, usually 3 days in my experience. By this time, I have another late fee and I am being harassed by incessant phone calls at all hours of the day and night and from different phone numbers telling me my "account needs attention".

This is extreme business malpractice and an attempt to extort your customers. I will not stand for the stress and frustration which this scam has brought upon me and my family. I am unemployed and you have been fraudulently stealing from me when all I have tried to do is make my payments. This is your last chance to refund my late fees and allow me to pay off the correct amount that I owe before I join several hundred people in a class-action lawsuit against your company.