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Hard Lesson Learned - Be Careful when scheduling CC Payments
I just needed to vent and hopefully give everyone else a heads up.
Last November, I went to a new dentist who claimed I had all this stuff wrong with my teeth. He scared me into having some crazy expensive procedure done (which I now believe was unnecessary, because every other dentist has said my teeth are text book). Well.. it ended up being $600 and I decided to put it on their "interest free for a year" payment plan. I could have paid it all on the spot, but I thought, 'Why not.. it is 0% interest." I scheduled paperless billing and automatic payments, and I had it set to be paid off within plenty of time before the interest free offer expired. Everything was set...so I thought.
Well today... I randomly thought to check it, because I was excited that it would be paid off next month. I look, and I still owe $300... $250 more than I thought I would owe. Turns out that every month, there had been a delay in the payment processing, and I have been being charged with a $35 late fee every month since November.... all because it was late by ONE day due to the delay! I'm so mad at myself for not checking earlier, and I'm also mad that this dental procedure that I probably didn't even need has cost me even more money. I already felt conned by that dental office, and now I feel scammed again. Ugh....
Re: Hard Lesson Learned - Be Careful when scheduling CC Payments
Love: March 2010 Marriage: July 2013 Debt Free: October 2014 TTC: May 2015
That is so frustrating. I would definitely call to see if there is anything that can be done about the fees.
Stuff like this is why I am terrified of autopay stuff. I avoid it at all costs.
OP, I'm sorry this happened and agree with PPs that it's worth fighting. Let us know how it goes!
Thanks everyone! You all convinced me to complain. They gave me a typical pre-made speech.: "All bills are due on the 2nd with NO grace period. Transactions take between 3 to 6 business days to process. The transaction must be fully processed by 11:59 pm on the 2nd, or a $35 late fee will be issued." I told them that I have never had this problem with any other bills, and they ended up waiving ONE month's late fee. This is my fault for not checking on the autopay to make sure everything is running smoothly, but I feel like it is shady business practice. 3 to 6 business days for processing is kind of ridiculous. That means I should have scheduled the payments for like the 20th. They did give me the option to schedule payment on whatever day, but the form had a suggested payment date as the 2nd.
The more I think about it.. the more mad I get. I was paying well beyond the minimum payment, so it seems that they would have applied that extra to the next month's bill so that I wouldn't have a late fee. I think I'll call back again.
Was this through Care Credit or directly through your dentist? Ooo I wish you luck with giving them hell!
This was through a "health" credit card that the dentist recommended. But that dentist was sketch, so I'm not surprised that this care credit thing is sketch.
What makes me even madder is I never received an email saying that was happening. I got emails saying that my payment had been received, but never anything about my payment being late.
Absolutely ridiculous!!!
I had Sallie Mae once try to pull this crap on me and I called them up to complain that automatic pay means that their can't be any late fees since it is being paid on the schedule that they set up.