Post # 1
Yesterday I went to a consultation for an elective surgery. Instead of doing a physical exam and talking to me about the surgery, I was immediately presented with cost and payment options when I hadn’t even decided to choose this particular surgeon yet. This irritated me and definitely didnt make me feel comfortable.
When I told them I would possibly be financing part of the cost, she told me she would run my credit to see how much I would be approved for. She gave me a form to fill out with my information, and called the patient coordinator in to take the form and run it. Just a moment later the patient coordinator popped back in and said “oops sorry! You need to sign here first.” i thought that I had overlooked where I needed to sign, so I signed my name and a few minutes later she came back and said I had been approved. I KNOW that I should have read exactly what I was signing, but it was the same paper I had in my hands a few moments earlier so I thought it was just for the credit check.
As the appointment went on it was made very clear to me that I did not want this office doing my surgery. They were ridiculously unorganized, I never even MET the doctor, and no physical exam was performed at all. Suddenly I was presented with papers to sign to confirm my surgery date, and I said that I didn’t want to commit at this time. I was then told that I already HAD committed (to the cost) by signing the earlier paper!! They never said a word about that! We were just talking about getting approved for financing.
It is not the end of the world because it can be canceled, but apparently I cannot use that particular financing company for an entire YEAR if I cancel. And the 2 other surgeons that I have consultations with both use that company. Therefore I’ve decided to just save up and pay the entire cost upfront once I choose a surgeon…which is probably best anyway I guess.
Sorry, I just needed to vent! I think they acted so shady at my appointment. I feel like I was tricked and like I am the world’s biggest idiot! And it is still not canceled, they told me I’d have to call in today to do it, and once I did they needed to call me back, and then they said they had to wait until someone else came into the office and then THEY would call me back…ugh! Waiting for a callback now.
This practice actually had great reviews online, though I am not sure how.
Post # 3
Ooof! That sounds super shady to me. That’s odd that the reviews were positive but I would definitely add my own if I had that experience. I’m glad you’re able to cancel it… so stressful.
Post # 4
That’s awful that they did that. Obviously it’s buyer beware and you really should never sign anything unless you truly understand it. But I do think they crossed a line and were being super shady. I’d definitely leave some negative reviews to warn future patients. Is there anyway you can contact the finance company and complain to them? They probably wouldn’t be happy that this practice is giving them a bad name by using shady tactics. Also, make sure you follow to confirm that the loan really gets cancelled.
Post # 5
- Wedding: August 2013 - Brookfield Zoo
Ugh that sounds horrible. Make sure you keep on them about cancelling the financing… if you can’t get it resolved you might want to contact the financing company too. And agreed, make sure you review them.
Post # 6
If you are approved for financing with one company, I don’t understand why you cannot go to a different doc and still use that company. Did you talk to the finance company and explain?
I would also review them negatively on as many sites as possible, and call the BBB.
Post # 7
I would contact the BBB and pursue credit fraud. They were not up front with you.
Post # 8
Thank you everyone. I think that I will be contacting the BBB. I am so disgusted with the way they have done business with me. They have been so sneaky about everything, and it’s MY wallet they are trying to reach into!
I have been waiting most of the day for them to call me back but they never did, so I finally called them myself and spoke with 4 different people before someone could help me. The woman I finally talked to made offer after offer to me for me to please stay with them. I had to just keep repeating myself over and over, “No thank you, I definitely want to cancel.” She was relentless.
Also, I could NOT get a straight answer out of anyone about the financing company. It is CareCredit if anyone is familiar, which works like a credit card for medical procedures. If all they did was open my account with CareCredit, then obviously I could just use that somewhere else. But of course they wouldn’t tell me that because they don’t want me to go anywhere else. But I’m thinking that they might have actually “charged” the total cost, and that transaction is what they had to cancel, which makes me ineligable to use CareCredit for 1 year. However, EVERY time I asked that specific question I got transferred to someone else and I never got a straight answer.
I am going to now contact CareCredit directly and see if they can tell me exactly what activity has gone on with my account with them.
What a headache.
Post # 9
Wow that is really shady. I’m sorry you’re having to go through this. It sounds like an honest mistake on your side and some deciet on theirs. They definately should have told you verbally what you were signing as a best practice, even if you read it. I’m already paranoid about reading everything very carefully before I sign anything, but stories like this remind me why that’s so important.
Post # 10
@Miss Sorbet: ugh! what a horrible experience! I’m sorry they were not upfront with you and I bet they trick people like that ALL the time. I am not one to ask “what am I signing” when presented with stuff like that – but your post will help me remember to ask and triple check.
I’m 99% sure CareCredit is what DH used for some emergency dental work a few years back – and I remember thinking their statements were really odd (not as straight-forward as they should be).
You may need to make a ton of calls, but do NOT give up – and ask to speak with a supervisor (or that person’s supervisor) until you get some answers!!!
Post # 11
Ugh! I would definitely report them!
As for going elsewhere, could you possibly get a better rate at a bank or a credit union for financing?
Post # 12
Good luck and looking forward to a positive update!
Post # 13
Maybe you could secure a loan from the bank in lieu of using their services. But I wouldn’t go back to those people. SHADY….
Post # 14
@Miss Sorbet: Wow. That’s outrageous and not right at all.
Post # 15
UGH. Thought I’d add one more vent/update on this screwed up situation. In my last update I said that I spoke to them and they agreed to cancel everything, yet I’ve gotten three messages this week from them begging me to come in once more and talk with the surgeon. That he is REALLY LOOKING FORWARD TO MEETING ME, and HE IS FLYING IN FROM CHICAGO JUST TO SPEAK WITH ME! Wtf? I ignored the calls because I thought it was all canceled and over.
Then, this morning I got a voicemail from them reminding me of my appointment on Monday. I NEVER MADE AN APPOINTMENT FOR MONDAY?! I finally got my CareCredit information in the mail so I signed into my account this morning, and sure enough, the $6000 charge is still on there.
I called the office immediately and they now say that I have to go in to sign papers to cancel. They led me to believe that EVERYTHING was canceled a WEEK ago. And it’s an hour and a half drive from my house for me to go sign their stupid papers. ARGH!
Post # 16
Hey — Care Credit approval isn’t doctor specific. You can use it with any doctor that is in the network. 99% sure. I would be concerned that them saying it is “cancelled” would still show up on your credit as an inquiry…