Care Credit Symphony Bank Care Credit damaged my Credit rating without cause Orlando FL 32896 Nationwide

My wife and I had for several years had two Care Credit accounts, one in my name only for $4800, and one joint account for $6000.  Both accounts were paid in full.  I recently needed to have some oral surgery and I planned to finance it with Care Credit, because I could pay it off within one year with no interest.  We took the two cards to the doctors office, and they checked, and said that both cards were active.  I had the surgery, and the doctor's office charged $4860 to one of the cards. Care Credit accepted the charge with no problems.  A couple or three days later, my credit monitoring service sent me an alert that I had a credit card over the limit.  I logged in and checked the alert.  It said that Care Credit said that I had charged $4860.00 on a $4800.00 credit line.  I called them and asked why they had not let us know we over the limit on the one card or just transferred some of the charge to the other card.  

They said that they could not do that.  Then I asked why they accepted the charge without letting us know we were over limit and lettting me pay the $60.  They had no comment.  I asked them if they would contact the credit bureau and remove the derogatory information.  They refused.  I returned to the oral surgeons office, and had them to refund the charge, and I paid $2000 cash, and put $2760 on another credit card.  I then went home and cut up my credit card with Care Credit, mailed them the pieces, and mailed them a letter telling them to cancel the account.  Again, i called and asked them to contact the credit bureau and delete the derogatory information. Experian lowered my Fico score by 38 points because of this information.  Again they refused to help.  I think that they wanted to invoke Universal Default on my credit so that they could raise my interest rate and charge me a lot more fees.  If I had not had Privacy Guard monitoring service to alert me, they would have gotten away with it.  Several of my credit cards would have raised my rates.  If you deal with Care Credit, you had better be careful and watch them like a hawk. They will use underhanded tricks to raise your interest charges and get to you.