GE Money Care Credit They don't want you to pay off your balance early! Dayton Ohio

I received financing for Lasik treatment through Care Credit. The total amount was $3798.00. My first payment of $3000.00 was made online with no problems. My second payment for the remaining balance of $798.00 was made via check from my HSA provider om March 11, 2009. The account number and account holder's name was clearly and plainly provided with the check. On March 20, this check was cashed by Care Credit. However, the payment was never credited to my account.

I called the customer service line and was told they had no record of the payment being made. I made the minimum payment of $24.00 that month in addition to the $798.00 my HSA sent because it had not yet posted and I did not want to accrue late fees. I waited to see if the balance would be credited the full payment by the next billing cycle and it was not.

I again called the customer service number (they do not provide an email address, I'm sure if they did, their inbox would be flooded with complaints) and was told I'd need to mail a proof of payment, which I did immediately and also asked my HSA provider to do as well.

I still have not been credited for the amount of $798.00 and have been told that they will need to "investigate," and for some reason will not be completed until after the next billing cycle. Meaning, I'll need to pay the minimum payment for a second month in order to avoid late fees.

How much investigation is needed when I have clear proof of the payment being made, when it was cashed and all of my account information? Why should this take over a month? It seems that they are trying to get additional money out of me on top of that $798.00 check that they quickly cashed and didn't credit to me. After reading similiar complaints on the internet, it appears that Care Credit/GE Money Bank often "lose" payments made by people who are paying off their balances.

Ejay15
Cincinnati, Ohio
U.S.A.