GE Capital Retail Credit Card Complaint

GE Capital Retail Credit card department,

Billing disputes South Carolina

Care Credit was trying to process a chargeback for a patient for services already rendered and demanded we send them a detailed list of all services rendered for the patient. Our patient 's mother paid for her care plan with Care Credit and our understanding of HIPAA ( TPO ) is that only outstanding debts or current debts are covered in normal exempt transaction, chargebacks not being - of them. Also, Care Credit does not have a direct relationship with our patient, but rather with our patient 's mother, who was present and approved the use of her Care Credit card and signed for the transaction. We tried to reach someone at Care Credit and called over - numbers and left - different messages for representatives. We refused to send the detailed list of services rendered and so the chargeback was issued. Despite numerous attempts to contact a representative that we could speak to about why we were refusing to send the information requested, their response was that nothing could be done, that we needed to send the patient to collections if we felt the chargeback was not warranted. Upon contacting the patient, she stated she never asked for a


important to us. If we perceive an issue to be a possible violation, we inform ourselves as best as possible and always err on the side of caution rather than violate our patients ' trust. After extensive research we feel that what Care Credit asked us to do was a violation of HIPAA policy. We do not have a Business Associate Contract signed with them as the usual transactions performed are exempt. We also spoke to - of their representatives ( - at - on - at - ) who, after speaking with her supervisors, informed us that they would never ask for a detailed list of services rendered because that would be a violation. She also faxed over their policy regarding HIPAA. Care Caredit not only processed a chargeback that was never requested by our patient, but they threatened and followed-through with refunding our patient for services rendered unless we sent information that would have caused us to violate HIPAA law since we did not have a release form from our patient authorizing us to disclose her treatment. Attempts to contact someone were unsucessful and our messages were not returned. If you need any further information, please contact me at - or at --. Thank you, - - - - -, - - -