Complaints

This profile includes complaints for AccessOne MedCard, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  AccessOne MedCard, Inc.

  360 Kingsley Park Dr Ste 300 Fort Mill, SC 29715-4403

  
• 

  AccessOne MedCard, Inc.

  2764 Pleasant Rd Ste A PMB 11803 Fort Mill, SC 29708-7214

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/08/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of the Transaction: 11-13-2025.Amount Charged $20.00 Nature of Dispute: I provided the correct routing and account number for my checking account which I always verify before I make any online payments. I made the payment on 11-12-2025. Access One Reversed the payment and charged me $20 return check fee on 11-13-2025. I verified with my bank that this payment was never received for processing. After realizing what happened, I paid with my discover debit card and the payment was accepted by Accessone on 11-18-2025. I attempted to resolve this using their online message system but it would not allow me to send this specific message. I should not be penalized because Access One computer system does not recognize Discover which is major and well know Credit Card issuer now offers checking, savings and money market accounts.

  

  Business Response

  Date: 12/15/2025

  Thank you for contacting us. We have received your account and will process the fee refund as requested.

  Customer Answer

  Date: 12/16/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.
  
  Thank you. 
  

• Initial Complaint

  Date:08/05/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ATRIUM HEALTH
  REMOVED| 1002196258

   

  I added the statement I downloaded from AccessOne - is this what you mean or need?

  

  Business Response

  Date: 08/04/2025

  REMOVEDhas sent the complaint to the "wrong" Access One.  We are Access One REMOVEDin REMOVED, REMOVED  This is AccessOne MedCard, Inc., a North Carolina based company that offers financial assistance for health care costs. The phone number REMOVED, address and website is listed on the statement enclosed in the complaint.  Again, he has contacted the wrong company and there is no affiliation between REMOVEDand Access One MedCard, Inc.  Please have this complaint removed from us.  If you have any questions, please contact us.

  Thank you

  Customer Answer

  Date: 08/05/2025

  I have a payment plan scheduled with AccessOne for a bill from an Atrium ER visit. I can not get hold of anyone at there, I have scheduled auto-debit setup with them from my bank account with more than adequate funds to cover the payments. I received Confirmations of payments from AccessOne. I never received emails, phone calls, or letters from AccessOne for anything other than this first payment. I was charged $30 and saw the payment was reversed. I setup another payment to start debiting on Aug 4th (tomorrow) to try and get payments up REMOVEDay, but I am unable to get hold of anyone at AccessOne. They direct you to a contact form/message platform in the patient portal but it does not submit. They do not provide an email to contact, I call their number but it drops when you press 0 for an operator. I do not understand why my payment was Reversed? I received no notice and was charged $30. I not able to get hold of a person for explanations. I want the $30 random charge reversed, the auto-payments are setup correctly I provide permission to charge my REMOVEDaccount for $177 if needed to catch up the account. I received NO communication of a missed payment, late charge, or that the payment reversed. The ONLY communications I have from AccessOne are 3 emails as follows - - August 03, 2025 - Thank you for scheduling a payment. Please carefully review the payment detail below. (what I setup today as another recurring payment).- July 21, 2025 - Thank you for scheduling your recent payment. Your payment in the amount of $REMOVEDwill be credited to your account ending in xxxxxx6258 on Jul 20, 2025.- July 20, 2025 - Thank you for your recent payment. Your payment in the amount of REMOVEDwill be credited to your account ending in 6258 on 07/20/2025.- July 03, 2025 - Thank you for scheduling a payment. Please carefully review the payment detail below. They can CALL or EMAIL ME if there are questions - REMOVED, REMOVED

  

  Business Response

  Date: 08/08/2025

  Hello,

  We have reviewed the information you provided. Thank you for your assistance in arranging your payment for both what was due in July and for August. The late fee and return-payment fees that were added to your account have both been waived.

  Customer Answer

  Date: 08/08/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.  AccessOne contacted me finally and got my plan setup correctly - I wanted to pay the amounts for the past 2 months that should have been charged and have my account debited as I had setup going forward.  This was accomplished this week so I am satisfied.  
  
  Thank you helping get this is resolved.

  REMOVEDrem;">REMOVED

  
  

• Initial Complaint

  Date:07/17/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My hospital bill was $4,204.58 from all the hospital visits I made during pregnancy and during delivery. I obviously can't pay it all, so I turned to AccessOne. I was told there will be no interest. I checked my account, and my balance is $4,920.93. I called AccessOne and was told that they process the payment to the hospital, and that the additional fee is part of their partnership with the provider. I told them I was not told about it and that it is not something they tell clients, but it is what they do with the providers they work with. I am the one paying the money; I should know this. I used AccessOne because I didn't have enough money to pay the bills, but AccessOne was secretly rubbing me the wrong way.

  

  Business Response

  Date: 07/20/2025

  Thank you for bringing your issue to our attention and providing us with an opportunity to respond. AccessOne always seeks to provide a positive customer experience for our accountholders.

  AccessOne offers long-term financing plans that allow patients to pay the self-pay portion of their medical bills over time. We offer credit to all patients with eligible charges, offer both no-interest and low-interest options, never charge hidden fees, and using our service never negatively impacts a patients credit score.

  Our records indicate that you elected to use an AccessOne account to pay for a variety of charges with your health provider and that you selected a 0% repayment option with a minimum payment based on a 24-month repayment period. We are attaching a log showing the charges from your provider that were paid using your AccessOne account. These charges were also listed on the two monthly statements that were generated on your account. The total of the charges paid by AccessOne equals $4,945.93. Your current balance reflects the charge amount minus a $25 payment we received.

  If you believe that the charge amounts referred from your health provider are incorrect, we would be happy to work with you to investigate any potential discrepancy. Our patient assistance center is open from 8 am to 8 pm ET Monday-Friday and can be reached by calling REMOVED.

• Initial Complaint

  Date:03/13/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  AccessOne, REMOVEDwas an optional service listed on my Atrium Health bills statement to make monthly payments in installments, rather than all-at-once. I signed up for an Interest free plan and made four payments at the end of 2023-1/19/2024. Between 1/25-2/19/2024 the type of plan changed to an Interest plan without my signature or permission or knowledge.

  

  Business Response

  Date: 03/26/2025

  Hello,

  We have checked our records and confirmed that Mr. REMOVEDplan did convert from our interest free option to a with interest option on January 25, 2024. This change occurred because an individual who was logged on to Mr. REMOVEDonline portal account with REMOVEDinitiated a payment on January 15, 2024 where the with-interest payment option was selected. Opting in to the with interest repayment option allows a consumer to pay a lower minimum monthly payment.

  Every consumer that selects the lower payment with interest option receives a notification that because of that selection interest will begin being charged on their account.

  Screenshots from our system showing the account change and what consumers view when they are converting their account type are provided. If Mr. REMOVEDbelieves that his online account was improperly accessed, we invite him to call the AccessOne call center at REMOVEDto let us know what potentially happened.

  Kind regards,
  AccessOne Medcard, Inc.

  
  

  Customer Answer

  Date: 03/26/2025

   
  I am rejecting this response because:
  I did not authorize the change. There was no alternative calculated for an interest free option on any of the statements following the unauthorized change.

  

  Business Response

  Date: 03/31/2025

  Please review the attached word document showing the notifications received when an AccessOne account holder elects to make a lower payment with interest payment. Consumers are alerted that interest will apply to all future payments on the accounts. (This is also indicated by paragraph #4 of the attached terms and conditions).

  Customer Answer

  Date: 04/01/2025

   
  I am rejecting this response because:

  The AccesOone payment statement dated 02/19/24 was the first one with a "low payment w/ interest" calculation. The previous three were as I signed up for, an interest free payment. I did not change to a "payment with interest"  plan. However, if I tried to pay another amount, would have been penalized.

  I would like the interest I paid over the year applied to my balance.

  
  

  

  Business Response

  Date: 04/05/2025

  We have made an outbound call to the consumer to advise them of their options in regard to the account. REMOVEDoffers two main options: an interest-free payment plan option and a lower-payment with-interest option. As a courtesy, we are willing to convert the account holder's plan to a non-interest status. This would require higher minimum payments then the consumer is currently making. Because of confusion around the payment made in January 2024 that converted the account type, we will revise the consumers balance so that all payments will be applied to the principal amount.

  Customer Answer

  Date: 04/07/2025

   
  I am rejecting this response because:

  While I accept AccessOne's confirmation that my previous plan was converted from an interest-free to a with interest plan, and that the company is willing to reconvert back to my original payment plan. I also appreciate the effort to apply the previous finance charges to the balance.

  I Reject the Timeline for Repayment:

  The timeline elected for repayment would need to be negotiated, as it is unreasonable and unfair to expect  double the amount, much higher payment than the current on a strict budget each month. On the outbound call, an 18 month timeline was put forward, however the monthly installments are out of range for the budget. I am requesting an extension of this timeline to 36 months to make the payment reasonable and fair to resolve the account.

    

  Customer Answer

  Date: 04/07/2025

   
  I am rejecting this response because:

   

  Date Sent: 4/7/2025 1:23:44 PM
  

   
  I am rejecting this response because:

  While I accept AccessOne's confirmation that my previous plan was converted from an interest-free to a with interest plan, and that the company is willing to reconvert back to my original payment plan. I also appreciate the effort to apply the previous finance charges to the balance.

  I Reject the Timeline for Repayment:

  The timeline elected for repayment would need to be negotiated, as it is unreasonable and unfair to expect  double the amount, much higher payment than the current on a strict budget each month. On the outbound call, an 18 month timeline was put forward, however the monthly installments are out of range for the budget. I am requesting an extension of this timeline to 36 months to make the payment reasonable and fair to resolve the account.

    
  

  
  

  

  Business Response

  Date: 04/09/2025

  AccessOne, in conjunction with certain health systems,offers specialized repayment programs that carry lower monthly payments for consumers that meet certain qualification. We have checked with the consumers health provider and believe that she is eligible to participate in this program.We will attempt to reach out to explain the program details and see if this resolution will meet her needs.

  Customer Answer

  Date: 04/10/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.
  
  Thank you. 
  

• Initial Complaint

  Date:02/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was introduced to AccessOne interest free payment option after an emergency department visit at REMOVEDback in Nov., 2022. I could have paid all at once but REMOVEDtold me that they are contracted to have interest free payment option with AccessOne, so I signed up for it in Feb., 2023. When I was on the phone with an agent to sign up, I double checked AND triple checked that I was getting signed up for interest free option and monthly payment is REMOVEDevery month and the lady on the phone ensured me that it will be interest free. I have been paying $REMOVEDEVERY MONTH for last TWO YEARS and never missed a payment. It is almost time for me to be done with all the payments so I decided to make a phone call today AccessOne. AccessOne told me that I have over $900 balance so something did not add up so I request payment history to be sent to my home because they stated that they dont send anything electronically. Something was not adding up so I decided to check my UMMC billing history for the first time, and AccessOne has been paying way less than $REMOVEDto UMMC each month. Payments from AccessOne to UMMC vary between $34.72 to $322.45 every month when I paid them the exact amount of $322.45. So I picked up the phone again and called AccessOne and they told me that I am not on interest free option. And that currently I am paying for over 13PERCENT!!!!!! This is a total fraudulent activity. The lady I was on the phone with me escalated the call to her supervisor and told me that they will investigate and call me back in next 4-5 days. I really hope that I hear back from them with resolution because this is something that you just dont see or hear.

  

  Business Response

  Date: 02/25/2025

  We have reviewed the customer's compliant and will adjust her account balance as requested.

• Initial Complaint

  Date:12/12/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On November 29th 2024 an alleged health insurance was sold to me, th coverage was for my wife and I, the agent on the phone said I had a 30 day preview and I could cancel it anytime. I found out later that week less than 3 days after the purchase that it was actually a medical discount program that didnt really work at any health care provider which I felt didnt meet the standard that I had been told to expect for the $274.97 I spent. I called customer REMOVEDjust to find out I cant get a refund even though Im still within the 30 day preview window because the company policy mandates that users purchase another health provider to ensure the responsibility transfer from one insurer to the other. I expressed to them on the phone that i dont intend to purchase a new plan but they refused to refund me the money even though I never got to use the discount card and never got them on the mail. Ive called and spoken to many agents and they all say the exact same words. Maryland law doesnt require me to purchase a new insurance program to be eligible for a refund, which is why this is a potential violation of my rights.

  

  Business Response

  Date: 12/12/2024

  Hello,

  AccessOne Medcard, Inc. has reviewed the information you have submitted and can find no record of us having any contact with you. We believe that this complaint should actually be directed to a separate company with a name that is similar to ours: REMOVED
  

  Based on the website of Access One Consumer Health (REMOVED)that company can be contacted REMOVED.

• Initial Complaint

  Date:11/01/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  July 29, 2024 I contacted AccessOne regarding an Atrium Health bill. I had multiple accounts making payments. I informed accessone that I contact Atrium and most of my account balances should be updated. After I informed Accessone of this balance issues I attempted to log into my account and was not able to. I contacted them and had multiple tickets sent to their IT department for a resolution. Today 11/1/2024 my accounts are past due even though I have automatic draft (cannot see/access my account online). I contacted Accessone to inquire about this and they explained they are still working on the access and that the accounts were merged however the balance increased and my payments (based on the payment amount they offered) did not get updated causing this late fee. This is unaccepted. I will be sending another complaint as it relates to Atrium becase these bills are incorrect and I requested multiple times for them to correct it and they did not update my bill with access one.

  

  Business Response

  Date: 11/12/2024

  Thank you for contacting us with your concern. We apologize for the system issues that are hindering your ability to log-on to our system. In response, we are waiving the late fees that were applied to your account in September and October. We have also updated your system preferences to ensure that you receive a paper version of your account moving forward.

  
  AccessOne strives to provide a positive customer experience.Please feel free to contact us again at REMOVEDshould you have any other needs or questions. 

• Initial Complaint

  Date:07/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had received a collection letter from access one about a hospital bill that I owed for $1053,25 , I made a payment arrangement of $47.63 a month I had been told there are not hiding fees or interest, obviously its very difficult to pay this amount for me. I made already 14 payments =$666.82 I checked today how much I owe because I dont have a job. According with my calculations $1.053.25-$666.82 = $386.43 when I checked in their system I owe $461.52 its $75.09 more than supposed to be. When a person ask for aid to be able to pay, is because we dont have the money. The hospital dont supposed to sale my apparent debt without my authorization to a company and charging interest and fees and I didnt even know. Please review my REMOVEDyou

  

  Business Response

  Date: 08/09/2024

  Dear REMOVED,

  Thank you for giving us the opportunity to address your concern.Our base payment plan allows patients to enroll in a 12-month 0% interest rate payment plan or a longer-term plan (REMOVEDmonths) with lower payments that carry interest. Our records indicate that when you opened your account last year you selected the with interest option.

  Understanding your preference to use a zero-interest plan,AccessOne is in a position to refinance all of your payments from this year to interest free status. That leaves the account with a balance $432.07. Moving forward,the minimum monthly payment on the account (as long as no new charges are added)will be $31.90instead of $47.63.

  Our records indicate that our call center was able to speak with you directly on August 5 to discuss these changes. If you have any questions, please feel free to reach out to us again at REMOVED.

• Initial Complaint

  Date:03/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been in contact with Access One since December about a balance accrued from atrium in the amount of aprx. 2400. I was told I qualified for a low payment plan that fit my budget but would not be updated on the account immediately. By early January after waiting a few weeks for my account to be updated I began getting calls stating the payment was late. I called in and was told I was now two payments behind and needed to make a double payment to be up to date. Although the account never properly reflected on the agreed upon REMOVEDI was getting calls stating I owed upward of 200. I made the double payment of REMOVEDwith the representative. A couple weeks later I began getting calls stating the payment was coming up but the automatic system did not reflect the agreed upon payment which prompted me to call in. Once again I was told not to worry and ignore the automatic calls my account should be updated to the agreed payment amount. I have called at least 3-4 times in regards to my account being updated and each time was told to ignore the system it was calling because it was not accurate on the actual amount I was to pay monthly. I have never received an actual billing statement from the company nor does logging into my account reflect that any were sent out. I am now being told my account was sent back to atrium for non payment and would no longer be able to make payments on the agreed upon REMOVED. Access One has failed to give me accurate information with correct billing statement and expected date of payment along with the correct means to make this payment but it is somehow my fault I did not make the payment on time and by their standards defaulted. I was told if I did not make a payment in REMOVED90 days. I have been calling in to make sure something like this did not happen and seemingly can not win. Very disappointed in how I was handled as a customer.

  

  Business Response

  Date: 03/29/2024

  Dear REMOVED,

  We have reviewed your account records. They show that you charged $2,683,86 of medical balances to your AccessOne account on November REMOVED. We have identified an error within our system that prevented your account from being transferred to a lower payment option.
  

  Please note that unlike a most forms of credit, AccessOne does not report information to credit rating agencies. We also forgave the late fees that had accrued in our system before sending your remaining balance back to your health provider (which occurred on March 25, 2024).
  

  Thank you for speaking with our customer care representative (REMOVED), about your available options with regard to this balance. We anticipate that the plan structure mentioned in your message (monthly payments of $26) can still be set up.
  

  Please feel free to call our patient REMOVEDat REMOVEDwith any further questions, comments, or concerns.

• Initial Complaint

  Date:01/29/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Dec 5, 2019, I set up an interest free payment plan with Access One for the medical charges after delivering my twins at REMOVEDin Sep 2019. The borrowed REMOVEDwas $5, REMOVEDat that time, and was set up for automatic monthly drafts of $104. Another $5,500.90 in medical charges was added to my account totaling $10,608.09 (after making two payments of $104 already). I agreed to pay $221 a month for 48 months interest free.Access One did not take the agreed upon monthly REMOVEDof $221. Instead they only took $201.68 the first month and decreased the payment REMOVEDby $2 and some change every month for 48 months. I have physical copies of the bank and credit card statements showing these payments to Access One but they are too many to upload (over 30 pages). There were a couple of months that they took no payment for no given reason. Other than October and November of 2023 when I had contributed the max REMOVEDto my HSA account, the funds were always available to be withdrawn or charged. My mother-in-law had a brain aneurysm in October of 2023 at the same time that my HSA account ran out of funds. We were in survival mode driving to and from the hospital daily while still taking care of our 4 year old twins, so I was not even aware of the insufficient funds for a month, as no one called me or notified me. When I realized what happened, I called to give them another form of payment.I logged into my Access One patient portal for the first time (as I was not getting paper statements) when I realized that I was being billed for finance charges. I immediately called Access One (Jan 22, REMOVED) to find out when they started charging me interest, as the online statements only go back as far as Sep 2022. I was told by their representative, REMOVED, that my account had been changed to an interest plan on March 5, 2020 (without my knowledge). Access One offered to take off 6 of the 47 finance charges, which I declined. I am still waiting to hear back from them.

  

  Business Response

  Date: 02/02/2024

  Dear REMOVED,

  Thank you for contacting AccessOne and bringing your concern to our attention. AccessOne takes pride in providing an exceptional patient experience, and it is important to us to know when expectations are not met.
  

  After reviewing your account history, REMOVEDwill be providing you with your requested relief and will adjust your balance accordingly.
  

  As further background, the original Terms and Conditions of your credit agreement with AccessOne (see attached) do allow for finance charges to be applied when a consumer misses a monthly payment or pays less than the amount indicated on his/her statement.
  

  Beginning last year, AccessOne adjusted its program. We now ask that consumers contact us or indicate on their online AccessOne account portal if they would like to use our lower payment option with interest.
  

  Your current terms and conditions, which we also provided to you via email, are attached.Your account is now set to stay on our interest-free payment program.
  

  Please feel free to contact us via phone at REMOVEDwith any further questions.

  Customer Answer

  Date: 02/06/2024

   
  I am rejecting this response because:
  My original $10,608.09 loan with Access One would have been paid off by now, according to the terms of our agreement. However, I still owe $2,617.71 of my original loan due to their actions. They intentionally decreased my monthly automatic payment by a sliding $2 for 47 months resulting in erroneous finance charges.  

  

  Business Response

  Date: 02/12/2024

  Dear REMOVED;

  In response to your concerns, we remitted $3,995.66 of finance charges that had been posted to your account. Additionally, we were able to roll your remaining balance of $6,358.88 into a plan that is interest free and that only requires you to make payments of approximately $132.50 each month. (Please note that the amount would change if you add additional charges to your balance).

  Your current balance is made up charges that were transferred to your AccessOne account balance on January 3 and 5, of 2023 and on December 31, 2019. Our records indicate that the 2023 charges were for a total $4,087.37. That means you still have a balance of $2,271.51 remaining from the 2019 charges.

  AccessOne is not in a position to offer further adjustments to your balance. If you prefer, AccessOne can remit part or all of your balance to your health provider. That balance would then be subject to the collection procedures and the collection timeline set by your provider.

  Our review of your account has not been able to conclusively determine why your balance was placed into AccessOnes lower payment with interest option in February of 2020. This account option allows account holders to only pay REMOVED% of their total balance instead of the 1/48th required to stay in our interest-free plan. We regret that we only learned recently (after nearly 4 years) that this payment structure did not meet your expectations.

  (A conversion to the with interest option, as described in your 2019 account disclosures, used to happen automatically if a payment was missed or late. Such a conversion now only occurs if we are contacted directly by a consumer.)

  We acknowledge your frustration and hope that our ability to offer you a longer interest free repayment period on your 2019 balance provides you with at least some satisfaction.

  Please feel free to contact us again at REMOVEDwith any further questions.

  Customer Answer

  Date: 02/16/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and accept this resolution. My desire is to warn consumers about this company in hopes that they too will be aware of their scheme to take advantage of consumers by applying bogus charges that easily go undetected by gradually lowering your monthly payment.  
  Thank you.