(Sorry. I accidentally sent my complaint in without completing the details, so I”m going to try it again.) I was pressed into using Care Credit when I needed a root canal, and didn”t have the cash to pay the entire amount up front. My neighbor warned me not to do it, but I seriously needed the procedure. Initially, I was having no problem paying on the bill. But I”ve had to deal with a lot of financial difficulties lately –I”m on two fixed incomes, and my money goes out to pay bills as soon as the check is in the bank) –that have left me about $500 short each month of what I actually need to pay all my accounts up to speed. Three of my accounts are GE Capital Retail Bank holdings. All of them are currently behind, and all, consequently, are problematic for the same reason. Care Credit is the most harassing of the three. I have tried to make my case with the customer service people who answer the phone, but they all seem to have heavy accents which I have a difficult time understanding. Some of the calls about the CC account end in a hang-up; I pick it up, say “hello, ” there”s the sound of someone”s voice (about one syllable worth), then a few seconds of silence, and a complete hang-up with the loud noise followed by the automated voice that says, “Please hang up and dial again.” So I know that I”m not being transferred to an agent. I”ve gotten up to three calls a day about this account. I would calI and report this as harassment, which I obviously haven”t as yet. But since I don”t recognize the phone number, I”ve neglected to make on-time payments or explain my current difficultiIes to the GE Capital representatives. The calls on the other two accounts have been mounting lately, as have the late fees, which, with my limited income, are making it impossible to pay off any of these accounts. You, as a company, are single-handedly ruining my credit, and the decent score I”ve been working to improve over the last year to 18 months. My neighbor was correct; I should have had nothing to do with you people. (The other two accounts are an Amazon Storecard, for making cheaper necessary purchases, and a Lowes card for winterizing my 31-year-old mobile home which doesn”t hold its heat anymore. As you know, West Virginia has been in the thick of the worst winter we”ve had since I moved here 25+ years ago. My late husband and I lived handily on his fixed income until his passing on New Year”s Day 2006. He was a wonderful, multi-skilled handyman, and I leaned on his talents heavily since that”s not my gift set. But since he died, most of what I”ve had to deal with is something that he could have fixed for next to nothing. I spent last winter in Florida taking care of my 85-year-old mother who lost my dad to pancreatic cancer in May 2012, and was diagnosed a few months later with breast cancer. I came back to WV in May last year to a “dead” refrigerator, and over the following months, have had to borrow money to pay for a new well pump, among numerous other things, including my winter firewood ($450 for three cords; I have to wonder if the wood is going to outlast the long, cold winter). If you wouldn”t keep adding late fees and high interest, I would have paid all three of these accounts off by now. So the sooner I can pay my balances down to zero, the better for all of us. I need to have six months interest-free, late fee -free so that I can render my best efforts to pay in full; if your company will permit me the latitude to do so in the face of all of my recent financial woes. It”s up to you, because making it difficult for me is only putting off my paid-in-full status indefinitely. Kindly respond. I do not wish to receive any more harassing phone calls — read my lips: NONE. Emails work much better than trying to wade through someone with a thick accent. I”ll be waiting to hear from you as soon as possible. Very truly yours, Pat Mudgett
Consumer Reviews and Complaints
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This complaint and/or review was posted on HolySmoke.org on 17:47 pm, July 17, 2019 (CST) and is a permanent record located at: https://www.holysmoke.org/scam/carecredit/.
The reviews & complaints posted about CareCredit was submitted by a member or guest on this website. Any and all opinions and information are published as is. HolySmoke.org does not edit or remove any aspect of the report and is simply a consumer grievance free-speech platform. As such, HolySmoke.org cannot be held liable for the complaints and reviews posted about CareCredit as per Section 230 of the Communications Decency Act.
CareCredit Reviews & Complaints
After applying for Care Credit I realized that I made a big big mistake!!!. I used the card to pay a portion of my dental work. Not understanding that each time I use the card I had to choose a repayment plan for the same dental work. I reached out to a Representative from Care Credit and explained the situation. He informed me to speak to the dentist office. I spoke to my dentist office Billing Representative and requested that she make the adjustments for all future bills to reflect payment option chosen. The next month I received my bill and the payments were doubled the amount agreed to, in addition to a late fee of $31.50. The repayment plans is astronically and it is designed to accrue as much interest from one time use to a multiple purchases. Care Credit is a total scam! Unfortunately, I still have an out-of-pocket payment in addition to the interest and fees from last month. WARNING!!! If you have another option to paying your medical, dental or comestics needs–do yourself a favor do not use Care Credit, you”ll be sorry!
CareCredit Reviews & Complaints
BE WARNED: DO NOT GET A CARE CREDIT CARD!!! I signed up for a No interest for 18 months care credit card and when the 18 months were up I had about 1, 000 left on my card and they hit me with a interest payment of over $520 with my limit being only 15000. Of course this added on an over the limit fee and now my interest rate is over 20% monthly. So now I’m trying to pay down the outrageous interest fee and late payment AND my monthly fee. The crazy part is they did not send me ANY notification about the interest payment!!! I closed my account which hurt my credit and reported them to the BBB. Its crazy!!! DO NOT GET THE CARD!!!
CareCredit Reviews & Complaints
Care Credit does not consider triple payments each month as pre-payment and will ding you if you miss a monthly payment… even though you may be paid up several months ahead. Example: your monthly payment may be $67.00 and you pay each month $201.00. By logical reasoning, you”re three months ahead, right? Wrong! don”t skip the next months payment! They”re wonderful people to deal with… Credit Care is a company sponsored by GE Money. My name is Frank and it isn”t raining today. Good, I”m near 100 words… ok, ok, ok. ok.
CareCredit Reviews & Complaints
Care Credit is a company that relies on “changing rules” as it is convenience for them. They changed the services agreement without asking me so I ended up paying interest over my balance. This is what they do: once you have signed for the specific period of time to pay you balance 6, 12 or 18 months and set up you automatic payments…they change the period without consulting you. When you call to find out why there are interest to pay (when the interest should not be there in the first place) in your account… they put the blame on you saying you should read the fine print on your statement every month in case are changes!!! If you keep arguing they hang the phone on you. Be careful with two customer representative that are trained to be RUDE Alisha and Amanda ( very low skills but big mouth) I closed my account. Please, be very careful if you want to use this company services.
CareCredit Reviews & Complaints
Care Credit is a predatory lending agency. I was sold a 24 MONTH month 0 interest promotion for my LASIK eye surgery. I received NO warning that this promotion was going to end after 12 months. NO NO WARNING at all. I signed up for paperless billing and I notice my balance was not being paid down. I called CARE CREDIT 7seven times and explained and they would do nothing for me. I asked for a copy of my terms and they said it would take three billing cycles. THREE billing cycles, as they gouged me month after month at 36% interest…me with almost an 800 perfect credit score. KARMA is a [protected]@t#H and they will go out of business soon. DO NOT USE this company. They are SCAM artists.
CareCredit Reviews & Complaints
Care Credit/ GE Money Bank has posted a charge to my account without my knowledge, approval or signature due to Arlington Family Dentistry charges that were not legitimate. Services were done without approval of patient, even after the patient advised them NO. Business has promised to issue credit to patient, however, instead they did not advised patient until after Care Credit/ GE Money Bank posted the charges. Care Credit and GE Money Bank was advised of the error, pending the dispute, however, they have not replied via E Mail or correspondence. When I received my statement, the disputed charge was posted on my account plus late fees. I had closed my account and advised themof the dispute. They have ignored me. I have telephoned them with no results, noone answers the phone, only a recording. Please give me advice or tell me how to solve this problem.
CareCredit Reviews & Complaints
Dear: Care Credit, Please For The Last Time ! ! !… Com-on . I”ve Called, Talked To Yall On The Phone& net. Can”t Count anymore! OK..! ! This is it ! ! ! …The Name On This Account Is …Hold on…Mr. Kelly J Potts… Not CALEP POTTS. ! ! ! ! !?… That”s Right:…Mr: Kelly J Potts… Do Yall Get it Know… Now Please After So Many Attemp”s…CHANGE IT…NO…REALY CHANGE IT
CareCredit Reviews & Complaints
Does anyone have information regarding a class action suit against Care Credit? My wife and I are at the end of our rope with this scam of a company and would like to get involved with bringing them down.
CareCredit Reviews & Complaints
each month I do not get the paper invoice/statement I do need the said statemnt atleast one week before the due date Thank you and have a nice day C.C.UDANI
CareCredit Reviews & Complaints
Each month I have tried to use the on-line system to make my monthly payment and each month I cannot access. It comes up with “an error page” when everything has been inputted correctly. I also contact the customer service area while on the computer and no one understands why I cannot get on and no one has been able to assist me. This creates a big problem because now I have to have a telephone payment which costs me an additional $10 for the transaction. I almost feel as though this is a scam to get an additional fee from me. I do everything on line and this is the only account that will not work on line even though everything is completed correctly.
CareCredit Reviews & Complaints
Established an account thru Care Credit to pay for a hearing aid in Oct. 2008. Did not have hearing aid insurance coverage. We paid $300.00 down and made payments of $100.00 Oct., Nov. & Dec. in Jan Care credit supposedly updated their system and failed to credit the monies paid on the account prior to to the system change. Now they’re wanting $367.00 for intrest due to their system/people error. The account was paid off in Oct. 2009.
CareCredit Reviews & Complaints
Four years ago I took out a credit card for my mom because our dog needed surgery in order to live. So I went ahead and took out the credit card that the vet had suggested. Come to find out because of my inquiry as to why I was still paying on it when it did no exceed $1500 I found out that I was locked in at 26.99 percent interest. There was no way that I would pay this off within 10 years had I not taken my money out of my savings and pay it off. I am not impressed with this company what so ever not only are they targeting people in a stressfull time but they are taking full advantage of people. I canacelled my card the second I new the payment went through and plan on never going back, however I beleive people need to know about this company and how they are sucking money out of you knowing full well that it will never get paid off within a decade.
CareCredit Reviews & Complaints
GE MONEY BANK HAS CHARGED ME TWICE FOR LATE FEE”S, THIS IS DUE TO ME NOT GETTING MY STATEMENT”S IN ENOUGH TIME TO SEND PAYMENT TO THEM, THE 1ST LATE FEE WAS CREDITED, HOWEVER THEY REFUSE TO CREDIT THE SECOND LATE FEE BECAUSE IT”S WITHIN A 1 YR PERIOD. I FEEL THAT THIS IS NOT MY FAULT AND BELIEVE THEY ARE RIPPING CITIZENS OFF BECAUSE OF THERE STATEMENTS ARRIVING LATE AND THEN CHARGING THEM LATE FEE”S. CUSTOMER”S BEWARE AND AVOID GE MONEY BANK IF POSSIBLE. FROM THE OTHER COMPLAINT”S I HAVE READ, I SEE THAT THIS IS NOT UNCOMMON THAT GE MONEY BANK DOES”NT MIND RIPPING US CITIZENS OFF. I WILL BE SPREADING THE WORD ABOUT THIS COMPANY TO MY FRIEND”S AND FAMILY AND TO WHOM EVER I CAN TO AVOID DOING BUSINESS WITH COMPANY.
CareCredit Reviews & Complaints
Hello: my name is “Lannie Hunt”, from Bakersfield, Ca. In may, june, july, of 2006, my family and i took a long waited and deserved vacation to the bahammas, to the atlantas hotel in the capitol of the bahamas, nassau. We arrived at the hotel late, so we retired for the night. Early the next morning we had reservations to go snorkeling in the morning, and in the afternoon we were to go water skiing, while we were water skiing a dolphan surfaced right in front of me, and my wife, we are champion skier”s, my wife was able to bypass the dolphan, by swing toward me, but my only hope of bypassing the dolphan was to swing in toward her. But if i did that we both would have collided, and at about 60 – 65 miles per hour could have caused the both great danger, if not “death” for the both of us. So i tried to swing out the opposite direction and get in front of the submerging and resurfacing swimming dolphan. I did manage to get out in front of the dolphan, just as i thought i had definitely swayed out far enough ahead of the submerged dolphan, he stayed under about 10 seconds more than his normal swimming pattern, he surfaced and hit me directly in the side while swimming at full speed. That is the last thing that i remember of the accident. If it were not for the prompt response from the rescue boats that the atlantas hotel provides when you sign-up for the skiing adventure, i would have not been here today. I was unconchace, and on the bottom drowning, in about 100 feet of water. I praise the atlantas hotel for providing this rescue service. I understand that i was under water for about 2 minutes before they had me on the surface, which is just under meractulass. I was at the hospital in less than 20 minutes of the accident. When i awoke just after arriving at the hospital. The doctors did a quick evaluation of my injuries and found that the neck collar that the lifeguards had put me in as i was on their boat before leaving for the shore,and than to the hospital, had saved my life! I ended-up with a broken neck in 2 places, and a broken back in 1 place and 4 broken ribs on my left side. I was in critical condition for 7 weeks. This is where i started calling all of my debtors to tell them about my accident and that as soon as i got home i would call them back when i get home and catch-up on all of my bills. Every one of them sent me a get well gift and told me not to worry that they would take care of everything for me so that i would not endure any negative or derogatory information on my credit record! When i was able to leave and come home, i had been there for over 3 months hospitalized.as soon as i got back home i started making my calls to my debtors,as i promised.when i got to carecredit/gemb, i spoke to a gentleman, named “brock” and he went off on me like i was a bandit, he told me that anyone who would not pay his bills for 90 day”s was a deadbeat and scam of the earth, and did not deserve to have anything removed from my credit record , and he would see that my 90 day lates would stay on my credit record for 7–10 years. That he was sick in tired of dealing with deadbeats like me. I even tried to pay the account completely off,but to leave the account open. He refused to take the payment in full, because it would show that i had the means to pay my obligations,and he was not going to let that happen. This remains on my credit report to this day. I feel that this person (not a gentleman) should not be in a manager position, or even a customer service representative. If carecredit/gemb continues to keep a person like this on their payroll, then they deserve to loose every customer that they have. Beware!
CareCredit Reviews & Complaints
Here is some info that might be of help to everyone. Most contacts with this outfit are actually to Client Development Services, a call center in Henderson, Nevada. These people have crappy customer service and won’t answer email or complaints. If you send them a complaint, they block your email address so you can’t do any follow-up. Here are some email addresses that you can try but don’t expect any responses. The first 3 are the owners of this company and the last one is just one of their flunkies. [protected]@cdslv.com, g[censored][protected]@cdslv.com, [protected]@cdslv.com, [protected]@cdslv.com.
CareCredit Reviews & Complaints
Here is some information that might be of help to many. Although CareCredit is a GE Money Bank product, when you talk to someone concerning this, from start-up to now, you are NOT talking to anyone from GE. You are talking to a call center at Client Development Services in Henderson, Nevada. These people work for bonuses and will tell you almost anything to get your money. DO NOT TRUST THEM! If you check with your financial instutions, you can find many who will help your patients and it will cost you nothing. Plus you will be dealing direct and not with a person in an independent call center.
CareCredit Reviews & Complaints
I acquired a Care Credit Card through GE Money back in 2010. Over the past 3 months I have received several settlement offers to pay and close the account. In Feb 2012 I was contacted by a collection company that GE had sold the account to for collection. I made an agreement for an amount around half of the original balance. The amount was agreed to and the money was taken from my bank account. Approximately 3 weeks later I received a bill for the remainder of the original balance from GE Money (the company that had sold the account to someone else!) It is a terrible thing that such a large (despicable) company can do this to thousands I am sure. I made the agreement with them and they are not making good on their end of their part of the agreement. And to top it all off, they said the card was paid to the agreement and cancelled as of the date of the agreement. Don’t use their services, you will be sorry later.
CareCredit Reviews & Complaints
I am 21 years old and need alot of work dome to my teeth or they are going to fall out and rot. Well it seems like now one cares because I have been trying to get a carecredit card so I can get my $2000 worth of work done to my teeth. I have tryed filling myself and then when they denied me I tryed with 2 of my family members as co-signers and we were denied still. I do not get it because my father has a GE money bank gas card and he just got his limit raised to $700 without even asking so obviosly he has credit but he was still denied now that makes sense doesnt it?… NO. Also I know for a fact that that the other family memeber had very good credit and alot of money sitting in a bank account because she sold her house for a half of a millon dollars. I was reading on the website for carecredit and it says “there is nothing holding you back” well this is holding me back. The only thing I can think that someone would be able to recive a card from them is to have a perfect credit score and who has that anymore. There is no one in the world that has a perfect credit score anymore. So I want to know how this company is making any money because if no one can get a card to get HELP! then they are not bringing in any money. I have no other choices now to get credit to get my teeth worked on now. I am 21 and because of them turning me down for god only know what reason I either have to let my teeth rot and fall out or find a dentist that will pull my 5 teeth out (which by the way can be saved by root canals and fillings and to pull my teeth will probley cost me ALOT of money which I dont have all at once) and live with huge holes in my mouth for the rest of my life, but why I am telling you this I dont know because I know now one cares you all have dental insurance and can go whenever you want to and get anything done whenever you need to. This is supposed to be here to help people, well how can people get help if no one is willing to help them get help. This is a backwords ### company and I really hope you relize that it is and how upset my whole family is about this and belive me the GE company will never be our first choice for anything as long as we live.
CareCredit Reviews & Complaints
I am CareCredit customer. I stopped receiving statements from them around Spring of this year. Up until August 2014, my payments with them was current until, I had an emergency illness and had to be off from work for six weeks. During that time, I wrote them a letter explaining my situation and not once did they bother contacting me. I called them several months ago to try and set up a payment plan and to have them mail me a statement. I spoke with a gentleman by the name of Michael, who was extremely rude and told me that he could not and was not going to be mailing me a statement. Rather than calling them again and hearing the same abuse, I wrote them a letter on November 23, asking for the same information. As of today, I still haven”t received my statements in the mail. I would like to set up a payment arrangement if someone could do what I had requested.
CareCredit Reviews & Complaints
I am co-signer for my daughter-in-law through Care Credit. She had been set up for payments through the hardship program – and she was paying them – Care Credit dedcuted the $51.00 every single month for a year and then decided that she had not been paying the correct amount. So they dumped her into debt / collection – along with me being dumped. They say that she should have been paying $52.00 a month and she was paying $51.00 a month – (they set up the payment and they told her the amount was $51.00) now she is a year later and they with interest charges up the gazoo! Nobody will speak to me because I am the co-signer – and all they keep telling her is that they will straighten it out. In the meantime – I am in the process of applying for a equity loan – and all my bank wants from Care Credit is a letter stating that I am the Co-Signer – and they have refused to send it. They say that is not their policy and also because they have turned the debt over to the attorney”s office. The attorney”s office states they are not responsible for sending out letters they are responsible to collect the money. Well what am I supposed to do??? I have filed a compalint with the Federal Trade Commission and I suggest that anybody who has any dealings with Care Credit – do the same. This is robbery and it has to be illegal –
CareCredit Reviews & Complaints
I been doing bussines with care credit little over 6years, i have broww 5, 000 which i was paying every month withing 17month i have payed half of the loan down 2, 500 may 11 2009 it went from 2, 500 to 3818. i called customer service may 20 explain to them my setuation, t hey said i have to pay the whole amaunt he loan, that they couldn”t help becouse i had 18 month to pay of tand they hang up thr phone… i will never use care credit again. they deceice people..
CareCredit Reviews & Complaints
I called in today to ask a question that I asked before about my husband’s bill. I wanted to know why I had a $0 payment due this month because I logged in to pay and it wouldn’t let me pay anything. I was told I needed authorization from my husband who works out of town. He has already authorized me on the account because I called several times before with no issues. The agent kept telling the same thing over and over again, but wouldn’t directly answer my question of do I have to get his authorization every time I call in after this because I have only needed his authorization once and they never asked for it again, until now. I asked to speak to a manager and she sounded like she had no idea what I was talking about. You won’t believe what she told me, she said that every agent who helped me before when I called in were not doing their job correctly because they didn’t ask for authorization. Really? So, I told her that they needed to get some training or something because I have called in several times over the years and I have only had 2 agents ask me authorization, the first agent I called when the account was opened and then, several years later, the agent I spoke to today. This account has been opened for at least 3 years and I’ve had several questions and have spoken to several different agents. I just wanted to give people a heads up about the customer service at this place it is horrible. There’s also been instances where I was told I had not paid this bill the month before and I had to make two payments at a time, even though I know I paid it because I keep a list of all my bills, when they are due, when they are paid, and the confirmation number. It is also on my bank statement, but even with all that proof they still tell me I have to make 2 payments; this happened 2-3 times. Just be careful with this company. Hopefully, we can get it paid off soon so we can close this account and be done with it.
CareCredit Reviews & Complaints
I disputed a payment back in Sept. for this company then I made a payment in Oct., their associate put in the wrong acct# and the payment was returned for invalid acct#, talking to 5 different associates and managers, i finally had some fees removed. But, they are don”t work w/you at all and they don”t care about you as a customer. When I made the payment in Oct. and it returned for invalid acct# they telling me i need to get a diff acct# to use for them or have my bank make the payments to them. I have always been a good customers of theirs and since this happened I can”t make payments online due to their mistake. This company has really caused me alot of phone calls to them and to by bank. They don”t care what happens to you, and they put you on payment restriction due to their error but want hold up to the mistakes that they make. I don”t recommend this cc company at all, they are not worth a ###.
CareCredit Reviews & Complaints
I had a care credit account that I have been making payments on for quite some time. I was laid off from my job around 2 years ago. I was still able to make payments while on unemployment so I continued to do so. Now that unemployment is coming to an end and I have not been able to locate a job, It is getting harder to pay my payments. The protection plan I have would wipe out the debt if I am on unemployment. But they hit me with a twist. Since I didnt notify them within 1 year of becoming unemployed, they will do nothing for me. So I get penalized for trying to fulfil my agreement to pay my debts while unemployed because I didnt tell them sooner? I tried to do right by them and they hit me for it. This to me is ridiculous and I would tell people not to bother with the protection plan because it does not benefit you at all.
CareCredit Reviews & Complaints
I had a Care Credit card that I could only use for medical purchases and it was great. The company sent me a new card that was also a MasterCard so that I could “use” it for other purchases. I say “use” because it would never process through. I tried it at my Dr. Office, Dentist and Vet and each time it would never go through and I would have to use another card. I also tried to “use” it for gas and other purchases and the same thing would happen. I opened a ticket and after a month of “research” I was told to have my Dr”s and Vet to process it as a regular Care Credit charge rather than a Master Card. So my Vet tried to process a charge again and it would not process and when she followed instructions and called customer care the help she received was sub par, her words. So I called to go back to the regular charge and was told that was not possible. I asked to speak to a supervisor and when asked why explained that it made no sense that I couldnt change back to the plain card. At this point the rep got snippy which made me snippy and I ended up cancelling this card and I will not go back to this bank or card.
CareCredit Reviews & Complaints
I had a flexible savings account with my employer. You have to have a receipt before they will release the tax exempt funds from your account. My dentist wanted to be paid on demand. They recommended Care Credit until I received my funds from the account. Stupidly, I did this. I had no idea how crooked they were. As soon as my funds came from the FSA account, I paid the bill. Lo and behold, they sent a statement charging me a $50 late fee. I tried to contact them and asked for a manager. I was unable to locate anyone. I paid this bill one week after receiving the statement. On principle, I did not pay. They sent to collections and $50 was now $300. I still would not pay. This put a blemish on my pristine credit report. It was still there, 12 years later. They are absolutely the worst credit card I have ever seen.
CareCredit Reviews & Complaints
I had a pet that suffered from seizures. In an emergency care at Oradell Animal Hospital, my friend was informed to apply for a Joint CareCredit account. Being that my credit and her credit was “bad, ” they approved the card for $6, 500 with no interest. I paid as much as I could on this account, until the promotional period ran out and all of the back up interest accumalated. I believe the vet killed my pet and he passed anyway the next day and now I am stuck with a huge bill. Time has passed, tyring to improve my credit and not default on this account I placed it into a DMP progam, but a couple years later I still have not even made a dent on the initial approval amount of $6, 500. I feel that CareCredit’s practices are to fraud individualls that should not be approved knowing that they would default. I put the card in a DMP program, and after missing one payment, they dropped it from the program and now am being charged late fees. I request that anyone that is in an emergency situation, not be coned into using CareCredit as the end result will not be to your favor.
CareCredit Reviews & Complaints
I had dental implants done, with treatment starting in September 2007. The dentist office offered 0% financing through GE Money (Care Credit). I set up a recurring payment through my Online Banking service to pay the balance in 12 equal installments on the 5th day of each month (3 days prior to the due date of the original invoice). Within 3 months, I was being charged a “late fee” of $39 per month, even though my payment was sent on the 5th day of each month, for well above the minimum payment requested. When I finally noticed the late fee charges, I contacted customer services and was told that the fees could not be waived since I had 3 consecutive late payments. When I asked how the payments could be late, when the 0% financing only required me to pay in full by Sept of 2008, the response was that I had to make a minimum payment within the billing cycle, which was actually 24-days, not a full month, which resulted in my “late” payments. This is a deliberate tactic to scam consumers hoping they will be late so they can charge extra fees. Obviously, I should have read their boilerplate on the back of the invoice, rather than listen to my dental office personnel. FYI: My dental office has confirmed their understanding that the credit plan does not require set payments, only that payment is made in full by the end of the term. So, there is a breakdown somewhere. I will never recommend use of this credit plan to anyone, or utilize it for myself again. I would prefer to pay in full or pay interest rather than deal with bad-faith financial institutions like this one!
CareCredit Reviews & Complaints
I had Lasik Surgery 2 years ago and financed through Care Credit with no interest for 2 years. So i paid all my payments on time sometimes more than the minimum. So i knew my 2 years just past on April 5th so i thought they would start charging me interest on what my balance was. I checked on the web site to see what my account balance was and i was shocked to find that if i did not pay the amount in full by April 5th they would charge me all the interest rate for the 2 years i had no interest. 1400$ IN interest. I am so discuste with this company. I Sobbed when i saw this, i had no i dea they could do this. I called the company which is GEmoney and the first girl some how i was disconected from then the second lady was so mean to me. I cant even explain how horrible she treated me. I tried to see if i paid the amount in full by borrowing the money from my mom maybe they woul take some of the interest rate off. The lady was so uncompasionate and rude to me. I asked if there was someone else i could talk to and she said “nope” she was a manager, but i could write a letter. So i asked her what i should write in the letter. She said it so sarcasticly ” write in the letter how you think we should BEND OUR RULES for YOU, even though we gave you 2 years to pay it off and you did not”. The conversation went on and on and she did nothing but be rude to me and proceed to tell me if i did not pay the amount by the end of the month they where going to charge me another 26% on top of that. Then in the back ground there where people laughing and you could tell that she said something to them and they where laughing at my situation. After we hung up the phone i was so upset i called back to speak to another manager she was nicer and apologized for her co workers rudeness but still there was nothing she could do. SO now i am stuck with this 1400$ interest and more if i dont pay asap. Do not TRUST this company they are mean deceiving people who are trying to scam you for your money. I am so hurt becasue i am a single mom who barley makes it financialy anyways, and now to top it off i get this new unexpected outrageous bill. I wanted to post this because i don’t want anyone else to fall victim to this company. Please advise your family and friends to beware of these sneaky money cheating people.
CareCredit Reviews & Complaints
I had Lasik Surgery 2 years ago and financed through Care Credit with no interest for 2 years. So i paid all my payments on time sometimes more than the minimum. So i knew my 2 years just past on April 5th so i thought they would start charging me interest on what my balance was. I checked on the web site to see what my account balance was and i was shocked to find that if i did not pay the amount in full by April 5th they would charge me all the interest rate for the 2 years i had no interest. 1400$ IN interest. I am so discuste with this company. I Sobbed when i saw this, i had no i dea they could do this. I called the company which is GEmoney and the first girl some how i was disconected from then the second lady was so mean to me. I cant even explain how horrible she treated me. I tried to see if i paid the amount in full by borrowing the money from my mom maybe they woul take some of the interest rate off. The lady was so uncompasionate and rude to me. I asked if there was someone else i could talk to and she said “nope” she was a manager, but i could write a letter. So i asked her what i should write in the letter. She said it so sarcasticly ” write in the letter how you think we should BEND OUR RULES for YOU, even though we gave you 2 years to pay it off and you did not”. The conversation went on and on and she did nothing but be rude to me and proceed to tell me if i did not pay the amount by the end of the month they where going to charge me another 26% on top of that. Then in the back ground there where people laughing and you could tell that she said something to them and they where laughing at my situation. After we hung up the phone i was so upset i called back to speak to another manager she was nicer and apologized for her co workers rudeness but still there was nothing she could do. SO now i am stuck with this 1400$ interest and more if i dont pay asap. Do not TRUST this company they are mean deceiving people who are trying to scam you for your money. I am so hurt becasue i am a single mom who barley makes it financialy anyways, and now to top it off i get this new unexpected outrageous bill. I wanted to post this because i don’t want anyone else to fall victim to this company. Please advise your family and friends to beware of these sneaky money cheating people.
CareCredit Reviews & Complaints
I had paid my next months payment too soon so they told me that I would have double the interest rate if I didn’t make a double payment the next month and that if I ever did it again to where I made the payment too early a higher interest rate would be applied to the remaining balance. Well they have a way of making it difficult for you to make your payments so you end up having to call consistantly to get things fixed with their website. You can only pay with a checking account I have had my Care Credit card for over two years and all of a sudden the information that was on the site last month has disapeared and they are having a problem with their system accepting the banks routing numbers. So I called to see when it will be fixed and she simply told me I had to make the payment by phone. Well all they needed was the last 4 digits of my checking account number to run it…so they have it in their system. Then she told me that she would send a paper confirmation for the payment in the mail. I told her that was unacceptable and to give me a confirmation number…she complied and gave it to me. I was to take a survey after the phone call, but she stayed on the line and told me that I would have to disconnect the call by hanging up! This company gives me a gut ache they are hard to work with and most of the customer services first language is not english so they are not helpful but to answer the same way everytime and sometimes VERY hard to understand which frustrates me more! I would suggest to anyone to go through your trusted bank and get a credit card issued rather than go through care credit…they are very shady!
CareCredit Reviews & Complaints
I had some dental work done and opted to use CARE CREDIT for the first time ever. My dental work was $5, 500 on a 24 month interest free plan and I paid my bills online. I feel they misrepresented my information because on the statement it said “minimum payment due” starting at $160.00 and because I would pay more than the minimum I would see the payments eventually drop down to $120.00 per month. I was very excited to see my balance drop and I always paid on time. TO MY SURPRISE my balance had increased from $2, 600 to $4, 900!!! They said it was because I didn’t pay off the full balance in 24 months. This is outright misrepresentation and borderline FRAUD because they should have put the REAL amount I needed to pay (minimum payment), not just a small one liner in a vague position on the e-statement. The company won’t work with me on it because I’m past the deadline. I’ll pay this off with a loan I can get for less than 14.99% and NEVER use this CREDIT company again. I know if this happened to me it surely has happened to others. WHAT A SCAM!!
CareCredit Reviews & Complaints
I had the insurance on my account. I lost my job in July of 2019. Have been trying to figure out how I could pay the account and called numerous times. Spoke with customer rep. That reminded me of insurance. Tried to file was told that it was canceled in 9/2019. Tried to speak with manager…told could not because my account was past due when in fact, the past due was paid.
CareCredit Reviews & Complaints
I have 3 Care Credit accounts with them for over 3 years now. One in my name, one in my wifes, and a joint account in both of our names. All of them have been charged with so many overdraft charges in the last 3 years I still owe them nearly what I started at. Problem is I only had 1 late payment, not 20. They are scamming people. Their website doesn’t post the payments in a timely manner. It can take days. They’ve also changed the due date on us several times. When you call about these so called late payments they act like they don’t understand english. I just quit paying them. I’m hoping someone will do a class action lawsuit and put them out of business here shortly. Where’s the government in these situations?! Government if you CARE these people are runing peoples CREDIT. Maybe that’s why they are called CARE CREDIT> they don’t care about your CREDIT!! BIG SCAM!!
CareCredit Reviews & Complaints
I have a balance of $41 on my Care Credit account. I was charged $29 late pmt. fee, being one day late and $38.59 finance charges on the $41. account balance. I was the test for my dental business to determine how well our patients would be treated at Care Credit. I definitely will not recommend being associated with this type of company. This is highway robbery. I will make sure everyone I know knows not associate with that company.
CareCredit Reviews & Complaints
I have a fixed payment account and a 6-month deferred interest payment account. When I have made payments in the past I have expected that any amount over the monthly fixed payment would be applied to the deferred interest account. WRONG!! CareCredit applies payment allocation however the hell they see fit. Each time I have to call them back after the payment to get it reallocated the way I want it to be applied. And that takes at least 1 payment period to show up in my account. What CareCredit is trying to do is to string me along just long enough that the 6-month deferred interest account is not paid off in time so they can jack me with interest charges. I have called to complain about, I have written letters to complain about this, and they simply don’t give a crap. They just reply with excuses. Terrible company, predatory lenders.
CareCredit Reviews & Complaints
I have always made payments on time or as agreed, always being told that our credit with CareCredit was excellent. Just recently I received a letter stating our interest rate would hit over 22 % on the day following Nov 3, 09. Nothing had been said about “credit worthiness or Lateness. In fact all late fees erroneously placed on acct were refunded. Yet they are raising our rate stating we were late 3 times. One payment was made within two days and this was after omy husband, retired military, suffered a severe brain injury. Here is an address to complain to. Go to ots.gov and file the complaint and make copies. The toll free number is in D.C. [protected]. Your state will have a number also. I called Washington and received a call the very next day. I have filled out the form and sending in today. Good Luck. Jody
CareCredit Reviews & Complaints
I have been getting the run around from Care Credit since Sept 09 on a refund that was overpaid, at first the told me a couple of weeks now they are telling me there was a mix up . My Account was paid off in Nov 08 . All they really need to do is give me what is due to me . My dentist sent it to them when the refund should have gone directly to me since the card was closed . They should of given it to me a long time ago, I think they are the worst run company ever.
CareCredit Reviews & Complaints
I have been paying on this account for 18 months. I called and spoke with a rep about an extra charge I received on 10/4. My “promotional expiration date” expired on 10/14. They didn’t say a word. I owed 50.00 out of an original bill of $800. I received my next statement with an extra $172 in interest tacked on for being 2 weeks past my expiration. They refuse to credit this amount and say that I should have clicked on a separate tab to see when my promotional interest free period expired. They said the rep only had to tell me that it was about to expire if I specifically asked. They said that the main page of the website only includes “the most asked questions about the account” and it’s not their fault that I didn’t click further to find my promotional expiration. I talked to an “escalation specialist” who completely talked down to me and was borderline rude. He refused to transfer me to his supervisor.
CareCredit Reviews & Complaints
I have been recieving phone calls everyday some time 5-6 times a day, for just paying a partial bill, and now they have turn me into collections for non-payment. I have not missed a payment yet, sometimes only a partial gets paid but they still get PAID. Just another great tax free company having foreginers answer the phone. India and the phippeans are the only ones I get to talk to. horrible phone connections and the center in india does not even tell you that they are recording the call just a bunch of dead spots and beeps.
CareCredit Reviews & Complaints
I have excellent credit (even did my own credit score to double check and it was in the top 5% (over 95th percentile) I have a good job and own my home with a reasonable mortgage (can pay it in one weeks pay) The home is worth 3x more than the mortgage value. I was simply looking to increase my credit line with them from $1000 to $1500 to cover the expense of banking my new baby’s cord blood. I can pay it up front but will loose the promotion of 12 months no finance charges if I do. I was denied the additional credit and told I had to wait 7-10 days to find out why by mail. I am due to give birth any day. The person on the phone had NO compassion. And NO clue what she was doing. I had an account with them in 2006 and paid every bill on time. I guess they don’t like customers with good credit who pay thier bills…
CareCredit Reviews & Complaints
I have great credit. I opened up a carecredit account to get laser eye surgery since they had a promotional period of 0% for 2 yrs. Why not, I’ll just pay with my health savings accounts. Well, care credit is the worst company EVER. i can’t pay on my bill online with my debit card (its a credit card number not a normal checking account since it’s an HSA). *** online functionality. Also useless customer service reps can’t do anything to help me. I call every month to make a payment and have to speak to some to get the reversal since it’s a phone payment. Not even a function to email my concerns but have to stay on the phone to talk to no action employees. I will NEVER use CARE CREDIT OR GE MONEY ever since this is the worst experience in my life.
CareCredit Reviews & Complaints
I have only one thing to say about Care Credit. They have very unfair practices. As a former cardholder, my account was up to date and paid off. I had a Joint Account with my mother. I had to have oral surgery to which I charged a little over $1700.00 on my Carecredit. I made payments then decided to pay the balance off in full. A month after I paid it off, just because I had not used the credit line ($5, 000) in over a month, they all of a sudden decided to close my account, for no good reason. And then they gave me some lame excuse saying all of a sudden that I no longer qualified for credit from them and that was AFTER I paid the balance off in full. Excuse my french but that is BS, and very unfair, like my money isnt good enough for their damn company. They then gave me another lame excuse saying they had to close my account because we both had to re-qualify? WTF? why? My account had been open for a year and a half and now they were saying we did not qualify and my mom was making $5, 000 a month and I am Self employed and making about 1000.00 a month. The people who run this company are nuts. If 5, 000 a month all of a sudden doesnt qualify me for a credit card then there is definitely something wrong with their thinking. Either that or my money just isnt green enough for them. And Now that I am making even better money, I cant find anyone to give me any credit to have my teeth fixed and I need oral surgery bad and I have to have IV Sedation to have my teeth worked on. I need all of my teeth taken out and I need dentures, the kind that snap in. I have a very bad credit score because of bills I havent ;paid from years ago. If there is anyone reading this that knows of a company that would be willing to work out some payment arrangements with me as far as financing for oral surgery or dentures goes, would you please contact me at : [protected]@yahoo.com. I am in the Tacoma, WA area. I am a female.
CareCredit Reviews & Complaints
I have the payment sent out at the same time every month as $25 is due the 13th of every month. They said even though they received it, they may have processed it late. I keep getting calls saying a payment was late and its their fault. I don”t know how they can hold it against me that they don”t process it before the due date.
CareCredit Reviews & Complaints
I have to say I”ve been a Carecredit customer for over 5 years and out of those five years I”ve never been late; except for an instance, when I”ve had death in the family and I call and the Care credit manager waived the late fee due to and I paid my monthly payment and that was two years ago and this time due to Hurricane Michael and now after Hurricane Michael. When I called them before my payment was due and explain that Georgia would be affect by the storm and I wanted to extend my payment so that I could prepare for the storm I was told that my payment could not be extended and I would need to call back and the late fee would be waived. But what they didn”t say was you would have to pay the late fee because it would already access and it would have to be removed from your balance. My problem with management was treating me as if I was dumb and I didn”t know what I was talking about she was trying to tell me my payment flatulates and even if she remove it my payment has never been the same on any given month and what pissed me off is she was trying to make what they where doing correct and if I was told to call back and it would be remove and I could make my payment that”s what should”ve happen. I don”t know how long she”s been working there but I know how long I”ve been dealing with carecredit and they need to send her back to management class on how to deal with people and have a little empathy for others because when you live on a budget your money is accounted for and when a major hurricane comes into play and a creditor tells you the late fee will be waive it should be waived.
CareCredit Reviews & Complaints
I have used Care Credit two times because, I thought it would help me with the major dental work that I needed to have done. It only caused more problems and it would have been better to get a loan from the bank than to deal with these idiots! I had the perfect credit for single adult, only to have it ruined by this company. I paid my bills in full, paid on time and with each payment, I had to call them to ask why I had a late charge when the payments were always there on time and even cleared my bank. Now, I am receiving calls from “Lawyer” offices, making threats towards me. They have even called other family members trying to track me down. I am at lost for words and in all honesty have no clue as to what to do to get my credit cleared up. I just want something in writing that says it was paid in full and to get this cleared off my credit report!!!
CareCredit Reviews & Complaints
I initially got this card when my dog was on the verge of dying. I racked up about 6k in vet bills. I paid about half of it down and then decided to close the account because I wasn’t happy with the service and the teaser rate was replaced with a 29% interest rate. Knowing I would never use this card again, I called and asked them to cancel the card entirely. Well after paying more than the minimum for three years, my balance went from $3300.00 to $4800.00 I was floored. I called and asked how this could be??? How could I be paying more than the minimum, not using the card in 3 years and have my balance go up 1500.00???? Well I was told that I was being charged $100.00 a month in interest. Ok, well what about the rest of the payment of $65.00 isn’t that being applied to the principle?? No I was told that was being applied to my security protection plan. ????? What??? I said I canceled this card entirely in 2013!!! Well Care Credit took it upon themselves to keep the security and the fee that goes along with it active. @#!*#@!! So every month I was being charged $176.00 for a canceled card that I was not using. Buyer beware, Care Credit/GE/Synchrony, whatever name these parasites want to hide behind are no good. Very deceptive and predatory practices. So I called to remove the security protection and the customer service rep who was rude (colossal understatement) told me that it would take several pay cycles for that to go into effect. Funny when it was initiated it went into effect immediately, but since your losing revenue, well that’s going to take some time. [email protected] *#@! Here is my tip to anyone dealing with these blood sucking leaches. Make sure you cancel the protection plan and go online and pull up a biweekly amortization calculator, plug in the number of years you want to pay off the credit card, the amount and the 29% interest rate and that will tell you the two biweekly payment amounts. I want to be rid of this debt and close the chapter on these financial vipers.
CareCredit Reviews & Complaints
I just had to have emergency surgery 2/10/2016 and I saw a brochure for care credit in my Dr. Office. My surgery was $5, 500, I am currently taking care of my aging parents and decided to go with the 5 year financing they offered me… my bill with interest should run under $70.00 a month for 5 years. I signed up online and went to check out my account to get set up for my first payment. My bill was $160.00 a month for 5 years!!! $91 /month was added each month for card security…I called immediately 3/16/2017 to cancel this non sense. That would add up to $91 x 60 months!!! Also…my credit report shows $150 over limit?? BE CAREFUL…now I am having complete anxiety as to what this company is capable of and the stresses I will have to endure dealing with such a sneaky company. Reading through the reviews it does not matter when you make your payments or by which method, they will find a reason to charge you fees. The representative (Jonathan from Nebraska) on the phone could not supply me anything in writing that he had canceled card security just a confirmation number and told me I had to make the first payment of $160 and would be refunded in one week but that the card security would be canceled asap 3/16/2017 I would like this cancellation in writing and my payments fixed!! I want to see when I go to my account online this has been fixed…I do not have $160.00 to pay this company to avoid a late fee due 3/18/2017 …why should I have to pay for something that has been canceled?? We were mislead when signing up and told this would cost $7.99 month TOTAL…help Cancellation number given by the company is DD1B8000
CareCredit Reviews & Complaints
I made applied for this card through my vet. He did not make me aware that the balance needed to be paid in 30 days. I have my payments made automatically though my online banking system. I have always paid this bill with more than the minimum amount desired on time. As a got the statment after a 1 total year of the first purchase I seen there was a finance charge of $387 for the year. I spoke to a representative Nancy who told me I had one year the pay the balance or I would receieve a finance charge for the total year. I complained and explained how I always paid more then desired and one time. Nancy then told me she would credit the finance charge if the bill was paid in full for $512.24. I immediately then gave her my bank information to pay the balance plus a additional $15 surcharge for paying over the phone. A week has passed and the money still has not been taken from my account, I called GE Money Bank/Carecredit to ask why I still have not seen the money taken from my account. The representative then told me “You did not call here. All our calls are logged into a computer and you have not called here in the past few weeks”. I immediately asked for a manager. I explained again to this manager that I have called a week ago explained the problem with the finance charge then complained that I gave all my personal bank information to someone they claim I did not speak to. I insisted to speak to a different manager. The manager was also no help. she was very rude and hung up on me.
CareCredit Reviews & Complaints
I made triple payments to this company for five months. The sixth month I get a bill with a late charge on it. Two days later I start receiving phone calls from a collection guy talking about making arrangements… What the hell?? The fella says he wants to arrange direct payments… yeah right. I told them I will pay off the entire balance (11 months in advance) if they correct their mistake. The man said OK just this one time… I hung up the phone thinking alright, I have one more chance for them to screw up, and I am done?? Forget that, don’t deal with this company if you can help it. Who would think there is late charges on payments you do not owe??
CareCredit Reviews & Complaints
I mailed my payment on June 7th with the payment not due until the 27th. They started calling me on the 20th asking where my payment was and asking me to make the payment over the phone (seems to be a regular practice). I told them it wasn”t even due until the 27th, I had already mailed the payment (gave check #, amount, and date mailed), and I would not give my checking account info over the phone. I was getting at least one phone call a day, sometimes 3 or 4 a day, each time having the same conversation. On the 26th a lady called telling me that they still hadn”t received my payment and it obviously wouldn”t get there in time and if I didn”t make a payment over the phone I would get a late fee charge. I told her I would not do that. I made the payment online at about 9 a.m. on the 27th (due date). She calls back around noon telling me I need to make the payment over the phone. I told her I made it online and she argued with me telling me she didn”t show a payment had been made. I checked my email while on the phone with her and I had received a confirmation email and started reading her the confirmation #. She wouldn”t even let me finish. She was trying to cut me off but I kept talking reading her the #. She just said thank you and hung up. On the 29th they credited the account with the amount of the check I had sent. This has happened before. They hold the check, call you and tell you that you have to make a payment because your check is not there and you will get charged a late fee, then after you make the payment they “find” your check and deposit it. They are very insistent that payments be made on the phone. Most companies are fine with payments made online, but not Care Credit. You can”t email them and when they call you they are all speaking in such thick Indian accents you can barely understand them. When I received my statement today showing what had happened I was very upset and called customer service. I asked the guy if Care Credit was trying to run a scam and he told me he was very offended personally. I told him that I didn”t say him personally, I was talking about his company. He told me there was nothing he could do. The first time they held a check was at the end of the 12 month no finance charge period. All payments had been on time and they held the last check to make it late just so they could raise the finance charge from the on time charge to the higher late rate.