In 2001, I had minor dental surgery at Castle Dental in Beaumont, TX, now known as Lovett Dental. I opened up a Care Credit account and charged my portion to the account. The rest of the bill was covered with insurance.
My portion was $397.20. When I received my first bill from Care Credit dated 01/03/2002, I noticed that the bill had a $1000 balance instead of the $397.20. I immediately contacted Care Credit and made a dispute. They did nothing. I called Castle Dental. They did nothing. I kept calling the office and they said it would be taken care of.
I made a payment in the amount of what I actually owed, not the amount that was charged. I paid my portion of the bill and no more. Care Credit kept billing me, and I kept disputing. I was being charged late fees, interest, and so on. I would explain to them over and over what happened. They just wanted the money, they didn't care. Months passed and the balance had escalated to a $1500 balance with late fees and interest and they sold my account to Arrow Financial.
Arrow started billing me, calling all times of the day and morning, threatening to sue, & garnish my wages. I disputed with them.
Finally in 2004, Castle Dental admitted mistake and paid the amount that was overcharged on my Care Credit account. Meanwhile Care Credit and Arrow had reported to all 3 Credit Bureaus that the accounts are charged off, settled, & past due 150 days or more. I want them off of my reports because none of that is true and wouldn't have happened without Castle Dental making the mistake. They are hurting me badly.
I would like these completely off my reports because it was not my fault. I paid in good faith, and yet I'm getting bad marked for it. It was Castle Dental that fraudulently charged the wrong amount. I have called both Arrow Financial and Care Credit and they both have been giving me the run around telling me to contact the other. I can't get approved for anything without a co-signer, and if I do get approved it is a very high interest rate. These marks on my credit reports are severely hurting me and my credit rating.