Amanda
Ada,#2Author of original report
Tue, July 11, 2006
Firstly, Thankyou for the advice of CareCredit GE. I have looked into it,but I just don't think i can take the chance of putting myself into a situation that could turn out to be like this horrid experience. So i will rather stick to the good old fashioned way of saving up and dealing in cash. Anyway back to that awful CapitalOne health care finance. The procedures they use are very much different to any other i have experienced, and it is definatly not as simple as filling out a check. As the CapitalOne health care customer they never gave us any physical posession of a check. The procedure is as follows. Go to the doctor for consultation at which time you will then know for sure how much it is you will need for the procedure of your choice. Then you sign the agreement for the said amount. Then Cap one deals strictly with the doctor. You don't see check. The first sales rep told us that until i underwent the procedure and the doctor cashed/deposited check then we will not be responsible, so if we did not go through with the procedure, after a certain amount of time the check will become null and void and there is no harm or foul. So i was also under the impression that until the check was deposited, there would not be a problem. The misrepresentation all started with that first rep. It would have been nice if i had a blank check and could have filled it out the day of my operation, or had phsical possesion of it, to send it back. Instead i was left at the mercy of strangers who had the check. A check i had never laid eyes or a finger on. I would like to also add that today i got my refund check. Half of what they promised me. I was promised my full payments of $161.82, i only got $80.29. I tried to call them, unfortunatly i called 20 minutes before they closed for business. I was on hold for 10 minutes, then i heard someone come on line for no longer than 3 seconds, then click...dead. So i called back 3 times, shorter wait but same disconnect technique. Then the "sorry this office is closed" message. I called another number stated my case and asked why i only got $80.29 refund. Ryan was so clueless and he freely admitted it. I then asked if i could speak to a manager. Bruce came on line and i told him about my disconnection with the billing department. He basically called me a liar, saying that a Capital one rep would NEVER hang up on a customer and he is sure they were having telephone issues. I want to know, since when does a company's conveniently timed telephone issues become the problem of the customer. I would like to have "telephone issues" of my own tomorrow at work. I wonder how long before i got fired! More updates on the terrible customer service will follow, i am going to call tomorrow to try get my full promised refund. Anyone got ideas on how i can get my full refund?
Chip
Anytown,#3Consumer Comment
Wed, July 05, 2006
I'm confused. I have a Cap 1 "blank check" auto loan. It did not become a loan until I filled the check out and the dealership cashed it. Did you and/or the drs office fill the check out and was it deposited? PS For cosmetic surgery, try CareCredit from GE. It's a credit card, and you don't start paying until the card is swiped and the terms are set up (90 days, 12 mos, 24 mos etc. interest free). There's a few people on this bard who have complained about GE Money Bank, but I've used my card twice with no problems.