I was warned by my dentist about how they have some questionable billing practices, yet I thought how bad could they be, I mean they came recommended by my dentist as way to pay my dental bills...

But little did I know what I was in for:

It started with the first month's payment which I sent in 10 days before being due -because- surprise they don't offer a way to pay online, and when they slapped me with a late fee they did waive it when I called to complain. And some CSR there told me to call again if I should have any other problems with my payments posting on time because he was sure that 10 days was certainly enough time.

Well now they're not so nice on my monthly call to complain about the same issue over and over again- in fact the last person I spoke to told me that they had placed my account in collections because even though I send my payment in every single month, 10 days before it's due, it mysteriously & magically doesn't seem to actually get posted to my account until just ONE day AFTER the due date, so then they can jack me for $39 + interest.

When I told this you know what, that the FACT was that some of my cancelled checks show that my PAYMENT was processed ON or BEFORE the due date, he said that the date they process and post are different!

And he proceeded to tell me that if I had any issues about how long it takes for my payment to reach them that I should take it up with the post office!

So let's review Unicorn/Chase Health's practices:

1) You can't pay your bill online to make sure your payment posts on time

2) If you want to pay by phone to make sure it gets posted it'll cost you another $29

3) If you send your payment in 10 days before it's due that somehow the post office's fault that every single time your payment magically manages to post to your account after the due date, even though the date on your cancelled check says it was ACTUALLY posted ON or BEFORE the due date????

DO NOT take out a credit line from UNICORN or as they are now called CHASE HEALTH ADVANCE, they are just going to RIP you OFF and DAMAGE your credit in the process!

Report them to the Attorney General!

This company is the most unethical, unprofessional, shadiest company I have ever dealt with!!! I had to get major dental work that cost about $5000. I had complication to a routine surgery and ended up in a coma for 5 weeks. During this time I clenched my teeth so bad that I cracked 4 teeth and needed to get a bridge. Unicorn helped finance the procedure.

I had the bridge put in on Nov 11th, 2006 and was waiting for the bill. I start getting these calls around December 10th about 3 times a day. Ok, so I figured out the payment was due by the end of the month. I at least thought I had 30 days. This was the beginning of my torture with this company and their employees.

I have had so many problems with them. The biggest one is the ridiculous amount they charge for paying over the phone $24 bucks and they are not current with the times so they do not accept online payments. I always mail my check in at least 5 days before the payment. I even have a reminder on outlook calender ("Pay the Evil Unicorn People") but it always conveniently is at least 1 day late so they can charge a late fee. Then they call on the late fee as if you have not paid in 6 months 3 -4 times a day. They even called my husbands job and my mother in law just because of a late fee.

This is their scam... they "conveniently" log in your payment 1 - 2 days late so they can charge you a late fee then they charge more for the finance charge because the late fee is now added in. They are scamming left and right and making lots of money. Then to add insult to injury they collectors treat you as if you are a criminal, or stupid or trying to scam them. They are unprofessional, rude, not educated or trained in how to retain a customer (especially ethically) and extremely condescending off of their own scams!!!

Honestly this is the most unethical business that I have every dealt with. I would not refer them to anyone, and because I am stuck in a loan with them for about $1000 more I will just keep up a good fight.

I got a loan, so that I could have some dental work done. My first statement came in the mail on my due date. I went online to pay it so it wouldn't be late and they do not provide that service. I called, explained what was going on and the lady said I could pay it over the phone. My next statement came the day before it was due and I noticed I had been charged $25 for paying over the phone. In June 2007 there was a note on my statement saying I would be charged 24.5% interest starting with the July statement. I called, told the lady I wanted to just pay off the loan and yes I know there is a charge to pay by phone. I also asked her twice what the pay off amount would be, because I knew it would be higher than what was on my statement. She put me on hold, supposedly asked a supervisor, came back and said that I only owed what was on the statement. Again, I asked her was she sure, because I did not want to deal with this company any longer. She assured me I would be paid in full. In July I received a bill for almost $300. I wrote a note with the statement and I emailed the same information to UF. Long story short, I am still receiving bills and harassing calls. They are very rude and need to be put out of business. I will be filing complaints with BBB, attorney general, and any one else I can think of including my dentist. I do not owe this money and will not be threatened into paying it.