wrong name and address and Lenscrafters/vision insurance
In Sept. 2007, my husband bought glasses at Lenscrafters, submitted our vision insurance. We thought that once the insurance was settled, we would receive a bill for the remaining amount. However, we misunderstood that the amount on the receipt was what we owed and that Lenscrafters would send the account to GE Money Bank, as a matter of policy. However, Lenscrafters apparently confused my husband's account with his father's account. They have the same name but a different middle initial, different address. But my father-in-law passed away in 2005, his house was sold to people that we do not know. All the bills from GE Money Bank had been sent to John D.'s house instead of John M.'s house. And since we thought the insurance must have picked up the whole total, we just filed away the receipt and forgot about it. A few weeks ago, we started receiving calls about this bill and in trying to figure out what the caller was talking about, I asked them to send me a statement. That is when the caller told me the wrong name and address and I realized what must have happened. I told GE Bank that I would pay the original bill once I received a statement with corrected name and address, but I would NOT pay the almost $200 in late fees, since it was not our fault that we did not received the statements. We finally received a packet of all the statements that had been sent to the wrong name and address, sent to our correct address, but with the wrong name on it, and with the late fees included. We have talked with several different people from GE Money Bank, from Encore collection agency, and from Lenscrafters in an attempt to clear this up. Lenscrafters originally denied that the mix-up was their fault, but now they are working with us. The latest mail was from Encore trying to collect the $545 total. We feel that we do not owe those late fees, as we would have paid the $373 with the first statement in October, had it been received by us at the correct name and address. We will pay the $373 as soon as we receive a bill in the correct name and address, and with the late fees removed. But we just keep getting more calls and letters, obviously from different callers, and most of the them are very difficult to understand over the phone. So frustrating!!!!!