CareCredit review: get rid off! 49

Sometimes words are misunderstood and misinterpreted, in this case the young gentleman Brock was taken out of context I am sure. Because if a care credit supervisor did call a card holder names like that he would be reprimanded immediately. I think people need to understand that people are just doing their job, its not personal, but we all need to make money and support our families and when you work at a big center like care credit as a supervisor and every other caller is screaming at you for something that is not your fault or the companies fault it is tough to handle, but I know Brock handled it better than that

I happen to know that Brock knows the policies, concerning Care Credit, inside and out and is very direct. So yes, by him being stern and telling the customer exactly what the policy states some card holders get irate and may take what is said in the conversation out of context. Some people only hear what they want to hear, and if it’s not what they want to hear then blogs such as this one get posted. But did Care Credit have to finance the procedure causing these outlandish accusations? NO.

Any person who has worked in a call center or calls into a call center knows that each call is recorded so if Brock called this person all these names, he would have been escorted off the premises. But guess what he wasn’t, so obviously these are colorful words added to an otherwise plain story. Also there are managers stationed all around, so if they heard this he would have been reprimanded immediately.

On the other hand if any person is financing anything thru ANY company they should be fully aware of the terms they are agreeing to. You are signing a contract after all. It’s a tough break when, even in instances like this story, the agreement is not followed and the terms default. Ultimately you get something financed and don't follow thru with your agreement there are repercussions... that’s life and that’s a contract.

This is a classic reason why companies offer protection plans like Account Security so no one has to go thru what this man has experienced... I know it pays off any balance on the account in full up to 10K in instances just like this. So tell me Care Credit doesn’t Care. Be honest with yourself.

I cosigned a loan for my brother to get emergency health care. Although I was a cosigner, GEMB never sent me any information on this loan, nor apparently the credit cards which were issued with this account.He did make some payments on this account.

My brother moved from Fort Worth to Austin and did not receive statements. He attempted to make web payments and phone payments and they didn't go through. He tried to get hold of a customer service rep and spent over 3 hours on hold multiple times. I knew nothing of the problems that he had.He was apparently short of funds and did miss some payments.

All of a sudden one of my lines of credit was frozen. The bank stated it was due to my credit report having a default.When I checked, there was a nonpayment with GEMB.I have been trying to get hold of a human being to speak with at GEMB for 2 days. It has taken me hours to speak with anyone. I got one number from a website, it was India, Hyderbad. The person directed me back to the GEMB number [protected]. I waited for at least 20 minutes then someone answered from Hyderbad India once again. She transferred me to yet another number, it had been 1/2 hour of continuing to hold for a customer service representative. I have 3 battery operated phones all of which have lost their charge. During and after finally reaching a representative.

When I finally got hold of a representative and explained the situation, he stated that despite the fact that I was a cosigner on the loan, when the loan went unpaid, they had no obligation to contact me to inform me that there was a problem with the loan.They had sent me no information at any time regarding the terms of the loan, the loan origination number, nor any credit card that was used on this account. I didn't even have knowledge of the account number.Apparently all of that went to my brother.So despite the fact that they held me legally responsible, at no time did they send me any information nor inform me that there was a problem with this account.

After 1/2 hour of speaking with Mr Allen, I finally had him transfer me to his supervisor Ron Hess, who informed me that my brother had told them to stop harassing him at work which had caused them to send the account to an attorney. Apparently they had repeatedly called him, yet not once did they ever attempt to get hold of me. Now this is on my credit report and although I have tried to deal civilly with this company and pay off the bill they have refused. They refuse to remove this from my credit report.

I attempted to deal equitably with them and completely pay off this loan, and they refused to come to any reasonable solution. They stated that it had been turned over to an attorney.

It seems to me that if they could repeatedly call my brother and harass him, they should have had some legal obligation to notify me as cosigner that there was a problem with this account. There contention was that I should have checked the account which I had no way of doing as they never sent me any information on the account so I did not even know the name of the company, nor the line of credit, nor the account balance.

If I gather enough complaints from googling "Care Credit" I will submit this to the Better Business Bureau, Bay News 9, and 98.7 station and make Brock gets released from this company. I understand that he's getting pay Supervisor Salary to take the heat but he's doing a horrible job, I've been in customer service for 15 years and I've never provide or experience such svc. Instead of trying to figure out what's happening to improve the system the place Brock in place as a patch to the problem.

Care Credit/GEMB added Account Security credit insurance to my account without my permission or knowledge. They refuse to credit my account, despite at least 4 phone calls and a written dispute. I sent them a copy of my original credit application, which clearly shows I did not sign up for the credit insurance. I would like to find others that had this happen to start a class action lawsuit.

Debbie.

I used care credit and have been faithfully paying each month, on time to use one of their promotions. I set up automatic payments through my bank, and was told the amount that should paid each month. Little did I know that the amount left a mere $25 on my last bill. Needless to say, the promotional period passed 5 days ago, and I get a bill for the $25, a $25 late fee, and over $700 in interest on my ENTIRE bill. I called, was extremely calm (unlike these people who apparently work at care credit have characterize callers), and got nowhere. They agreed to waive the late fee - freaking do! I will pay the late fee because, I agree with you, it was late - but it is beyond comprehension and terrible business to not help me out on the interest when I've made my payment each month on time. The last woman that I talked to said "I'm sorry, but I am not going to help you out when it's not my fault you made a mistake and I can't believe you would expect me to help you when you've had 18 months to pay this off." As if I can't afford $25! THAT is not the problem. I have never dealt with a company so unwilling to work with its loyal customers. I will tell everyone I know about this and to NEVER use Care Credit.

I went thru a similar deal with care credit/gemb . i went to a dental office,for some new dentures. They opened me up a charge account from there office, which my limit if i remember was $5000.00. I never got to see if the teeth he sent off to be made, were teeth i would accept. I had never dealt with this doctor before.which when he got the teeth back to his office, they were horrible,i put them on,they didn't fit, they made my mouth sink in like i had no teeth... i didn't in no way want the teeth he had someone make for me. When i refused, i seen he had already drawn out the $5000.00 from the credit i had opened with care credit /Gemb.he used the account number they had given the receptionist for me to have over the telephone the dentist drew from the account, the exact amount they had give me for a credit line. I had not even received my credit card thru the mail at that time... i raised cane in his office until he refunded 4000.00 back to my card. But care credit made me pay for what work the dentist did in the farming of the dentures. Which were thrown in the trash.care credit took the dentist side... the only reason i got the 4000.00 returned back to my account, the dentist knew i was a cancer survivor, i had no voice box, it had been removed, so he didn't think that would be good advertisement for his clients to see a 64 yr old lady getting upset because he drew everything from her account without her permission... i paid for what they said i owed an closed my account. I am fixing to have reconstruction cosmetic surgery, an have been running all this thru my head, after i read other peoples tragedy's with care credit GEMB... i only want to be charged for what i worried, i don't need a supervisor threatening me with my credit record.an charging me some outstanding bill i don't owe!

Funny...As I read these stories, I see that I do not stand alone. I also went to a dental office and was introduced to Care Credit/Gemb by my dentist. At the time (2004), I had no insurance and I was in need of dental work. I was told that this company would defer payments for 6 months so quickly I applied and was approved for $3,000 (total cost of dental work). I made monthly payments and paid off my account before the 6 month period. After the 6 months, I get a letter stating I owed Care Credit approx. $114.00 for insurance (Insurance I never applied for). I contacted Customer Service and explained the situation. I was told that a form would be mailed to me to dispute the charges. And despite of the lengthy phone calls and submission of the despute form, they refused to credit my account indicating, "I was unable to dispute an account if the account had been paid in full". I argued with the person and inquired, "then why am I being charged?" He gave me no real explanation other than I was being billed for insurance and it was my responsibility to pay it. Needless to say, I never paid this balance and yes...my credit suffers because of this one negative item (now $717.97 of late fees, I assume) on my report.

I agree with you on the handling of Care Credit's customer service representatives, who are completely rude and unwilling to help the customers. I recently had a problem with the company that caused my lateness of payments, and I explained the situation and asked that they not charge my finance fees, as I had not been receiving my bill. They refused to help, so I asked for the next person in line and she was more rude than the peon I originally talked to.

I was completely upset, not only at the fact that the company was willing to help, but that their employees were arrogant, rude, and unhelpful. Everyone told me to let it go, after all the finance charges were only about $35, but I felt completely ignored and unappreciated as a customer. And I do not believe that companies that don't appreciate their customers should be in business. They told me to write a complaint, but seeing the degree of their willingness and helpfulness, I did not believe their "complaints" department would side with me. So I made a complaint to the Better Business Bureau. Guess what? The BBB was able to help me get what I originally wanted. I suggest you, and anyone who has a complaint file one with the BBB. I see that mine is the only complaint lodged with the BBB, but there are several people online who are ranting and raving about them. Perhaps more complaints to the BBB will make the company think about they way it operates and the people they are hiring to do their bidding.

I have ALWAYS had trouble with Care Credit. This last time the payment was due on the 22nd. On the 19th I paid much more than the minimum, which I ALWAYS do. It came out of my checking account on the 22nd but wasn't posted till the 23rd. Therefore, I was charged a $29 late fee. When I called to complain, Eric told me that he was sorry but they would go by the date it was posted and it was too bad, but there was nothing they would do about it. But they would report it to the credit bureau that I was 1 day late. This has happened more than once. I now have an attorney that is writing them a letter. I have paid $352 and still have a balance of $461 on a $500 credit! No matter when I make the payment they are rarely credited on time PLUS they say that there have been "Payment Reversals". I still can't figure out why. I have called my bank and they have no idea. I have ALWAYS had the money in the bank when the payments were made. The routing and account numbers have all been correct. I think Care Credit is a scam. I was in the dental office a few months ago and a patient was looking at the Care Credit brochure. The office was full of patients. I told her what a scam they were and she would never get them paid off. She put the brochure back as well as did others. Anytime I see people thinking about it, I tell them all about Care Credit and none of it is positive. I have also complained to LA Weightloss about them.

LM

I missed a payment (bill not sent?) and in two months my balance has gone from $800 to $1600. GE will definitely get a formal complaint from me.

They just take your money, and the more they can get the better. I currently had a promotional balance and payed on time except for the one time I was one day late. My fault. I knew that my promotion was getting ready to expire and wanted to pay off the final amount as to not accure the interest. when I called to find out about it, the lady said it would cost me $15.00 to pay it by phone. I told her I did not want to do that, I just wanted to make sure that my payment went toward my promtional balance and that it was ontime. She said it would be if I paid it online. So I paid it and thought all was good, as they hadn't posted any late fees online nor did she mention about my prevoius payment being one day late. Later I see online that they charged me for being late on the previous payment and all the interest for the promtional balance. Lucky for me it was only( 62.00). I will not let them screw a good person who does her best to pay her bills as my 740 credit score will reflect that! I'll be damned if my other promo for 20(62).00 is late so the can get more of my hard earned money.

Wow, for once I'm glad that my credit is bad enough that I got denied for a care credit card to have two root canals. Yay for bad credit. I can't find a single thing positive about GEMB anywhere.
For those who say that the calls are recorded and Brock would have been immediately reprimanded, I say BS. I used to work for a call center. Yes the calls were recorded but no one ever listened to them unless someone actually called and complained, and sometimes not even then. In addition, my supervisor was never anywhere near me.

I guess i'm the rare case in which I didn't have the payment problems that others have mentioned. I got the loan for dental work only because I didn't have the full amount available at the time. Less than two months from opening the account I recieved some back pay from work and paid the balance of my account in full.

My problem now is that this account still shows as an open account on my credit more than a year later and I have no contact information for them. The question I have for all of you: What number can I call to close this account?!

PLEASE let me know. I want them off my credit report ASAP!

I have been called various names by collection company telephone representatives. I completely believe this story. My ex ran up a bunch of bills and signed my name on things, then the companies called me. I have been harrassed and cursed by the collection callers. There is no need to make up stories - life hands them to you.

i went to a dentist to have surgery for false teeth and got a loan through this bank however the surgery had been cancled by me and the dentist keept the money, i called the bank several times after i cancled the surgery they didnt care now they are trying to sue me because of the dentist mistake. now their lawyer threating me .the dentist wont return my calls. i dont owe them any money but no seems to care.
what can i do.

everything you read is true i had that experance today, they told me i had to pay what they change my bill to because it was late two times, i told her no way i just got this bill and sign up, last mth how is that. and my bill is no longer 167.00 and now $269.00 i told her f?k you and your bill you pay it.

Why can't we file a Class Action Suit on this? The online payment area pre-dates the payment. The date cannot be changed. So when I make a payment even though the due date is on Saturday and it says if I pay on a Saturday the payment will be posted on Sunday and I will be charged $39 late fee. On the phone they say "that's just they way it is". F**k them! I don't understand how there can be so many complaints and they are not affected in any way. That is just screwed up.

To the lady that had the negative expeience with "Brock" I too have had nothing but unprofessional, argumenative pep to deal with at Care Credit. They clearly take what ever dentist that does the work side. I went to a new dentist that left "opoen margins" in a crown, that I had to have removed and redone by a competent dentist 2 months later, and care credit completely took the quack dentist office's side. Then the CS rep I got on the phone with care credit was abusive and purposely patronizing me after I requested a supervisor, reading sweepstakes disclaimers to me, etc. before transfering me and then ultimately hanging up on me. I have called them numerous times to get a different story with my dispute each time. The woman I talked to yesterday was not only abusive and unprofessional, she was unknowledgable in her job. I am now going to sue the dentist office that did the shoddy work, as a result of all my time that has been wasted and the suffering I have endured. Care Credit is horrible and I suggest to anyone considering using them to NOT use them for anything. They could care less if unscrupulous dentist are using their financing as a means to rape the public, then add their rude and abusive call center representatives. I hope they go under because they do not deserve anyone's business.

I appreciate everyone here to took the time to post their experiences. There seems to be a pattern of abusive disregard of the consumer by Care Credit. I suggest that anyone who feels violated might contact their state attorney general's office to file a complaint. Also, file with BBB and Ripoff. Knowledge is power. It certainly has had me rethink applying to them for some dental work financing.

I totally agree, this company is truly awful and I would like to start a class action suit against them. If anyone out there is familiar with how to go about this let me know.

My story is that I wanted to get lasik surgery on my eyes and called an 800 number that was on my the internet for discounts. Well they sent me this card. I decided not to get the surgery and never used their card. After several months, I forgot about this card, but just yesterday I received a letter in the mail from them saying that they sent a letter to the credit bureau saying that I was delinquent on my account with them and they had to close my account for this reason. Well this went against my credit score and I never even used their card nor their services. When I called them to get them to correct this error, I was treatly very, very rudely and they refused to correct their error and refused to transfer me to a manager or provide a managers name for future reference.

Add another one. My job shipped it's work to Mexico so I've been without work since July '08. Enough of my personal life. I've paid for 2 years on this account. I was late on the first payment because I never received a statement. They waived the fees when I called and sent me a copy of the statement. 2 years later... I called all my creditors after losing my job to work out payments. I received a settelment letter in the mail dated December 12 2008. I had 25 days from the date of the letter to call. I called December 30th. I accepted the settelment. I told the representative I could send out the settelment money by January 2nd. They told me that would be fine. They received the money January 5th. I received another statement from them. I called and was told that it takes a few months before the settelment hits the computer and the statements will stop. The representative I spoke to could see that I had a settelment and that I paid the amount requested. I'm now getting calls from a collection agency. I called GEMB and they told me that I didn't follow proper procedures and that my large payment was a normal payment. They also told me that they saw that a settelment letter was sent to me. And that I called before the settelment expired. And that they received the payment according to what the settelment papers stated. All of this happened within 25 days of the letter date. Today, Instead of correcting the problem, they say they can only offer me another settelment. Sorry GEMB. I paid it according to your rules. I already have my lawyer working on it so the only thing they will be getting is paperwork from him.

Wow. I have had care credit for years and I am so appreciate what they have done for me. Every time I use my Care Credit card I am givin no interest for an amount of time in which I always pay it off. Every time I call, the csr is helpful and very professional. As long as you know the terms and conditions and ask questions before agreeing, you would have no problems. Why would you not find out what your terms are before applying? Know what you are getting into before getting into a financial agreement. You can't blame the creditor when you are the one who dropped the ball. Take responsibility. If you got a late fee, it was because you WERE late. If you were billed interest, it was because you DID NOT pay off your promo within the terms. There's obviously a reason why they are still in business. And it's not their fees as so many want to believe to make themselves feel better. It's because there is a large demand in help with healthcare expenses and care credit comes to the rescue with no interest. READ YOUR TERMS! DON'T BE AN IDIOT! Please go to you laywers so that they can explain this to you. Contacting a laywer may be an eye opening experience for most of you who think that you can pay as you go and complain when you don't comply to the terms that you yourself agreed to.

I was going to call this CareCredit company and do business with them for my cats'sake(he needs oral surgery)but after reading all these complaints I have decided to go elsewhere for credit.It is just not worth all the aggravation and from what I have read, really rude reps. I cannot believe my vet had these brochures in his office. I will definitely make him aware of these complaints, which I feel warrants pulling the brochures off his counter. He cares way too much for his clients.This company is definitely not worth dealing with and everyone should and will be made aware of their shady business shenanagins!Thank you everyone who posted their comments, you helped me in making my decision!

I used Care Credit to pay a veterinary bill. The terms stated that if I paid the balance within 90 days and made regular monthly payments, I would not be charged any interest.

I made the monthly payments and paid the balance in full within 90 days and was not charged any interest. No problems with this company.

Bottom line, if you stick to your part of the agreement, so will they. If you are reponsible with your credit, you have nothing to fear from dealing with Care Credit. If you will not be able to pay on time, then you'll be in trouble which is what happened to most of the complainers on this board.

My dog needed emergency surgery in February. The vet told me that I would have 6 months with no finance charges if I used this Care Credit, so I signed up. I have always payed my balances, but was shocked to find out that I I will not be paying interest on what I have left on my bill, but interest on my whole bill. Even what I have already paid off. I can only afford $70-$100 a month on my bill, but the interest charge each month is between $200 and $300 dollars. I am trying to get out of this circle and feel extremely stuck and upset. I can't believe my vet would ### so low as to be in kahoots with this company.

Care Credit is horrible. My Fiance had to get braces and he has been trying to pay it off for 3 years. He pays 140$ a month and his fiance charge is 70$ so he is not making a debt! This horrible! How is anyone suppose to pay it off. specially in this economy!

By the looks of most of these posts, perhaps a few English lessons would be in order, before borrowing money

Care Credit/ GE Money bank are highly trained in the business of defrauding their customers. Most of their workers are foreign. They lie and twist ones story and put that in to the notes of ones file. Care Credit is a true rip off of ones hard earned money. They will also kill your credit.

PLEASE BEWARE...I BEG YOU THE CONSUMER TO PLEASE USE ANOTHER CARD !

MY INTEREST RATE WENT FROM 9.99% TO 19.99% THEN 24.99% AND NOW IT'S 29.99% on $5000.00

THEY MISS SENDING YOU A BILL ON PURPOSE SO THEY CAN COLLECT A LATE FEE OF $39.99

MY BILL WENT OVER THE LIMIT BY A DOCTORS CHARGE OF .23 CENTS I WAS CHARGED $79.98 IT WAS A DOCTORS MISTAKE AND CARE CREDIT REFUSED TO REMOVE THE FEE.

PLEASE AND I BEG YOU AGAIN----CLOSE YOUR ACCOUNT AND PAY IT OFF---BEFORE THEY RIP YOU OFF LIKE THEY DID ME OF $1, 619.00 IN FEE'S.

I truely have never had a problem with Care Credit until recently we discovered that Account Security has been adding$30 payments to our bill. This service was never ordered. When we called they cancelled the service but we've paid $466 for something we did not authorize. I'll admit, the card is in my daughter's name and I'm a cosigner so I didn't see any statements and she wasn't monitoring them either...so with her interest and the Account Security charge, she was barely covering those costs with her payment...so the account has been at $1900 for about a year now. Why she didn't check into it until now I don't know, but I believe this practice is illegal and it's outright theft of them to place these charges on people's accounts. I called the BBB and they have numerous reports on them. Why doesn't the government do something to stop this theft? I'm getting ready to call them myself and demand a full refund...we'll see. A word of CAUTION: Be diligent and check your statements each and every month...we've learned a very hard lesson. These companies are thieves.

credit is full of it--just because i didn't get it paid off b 4 the promotion they charged me 294.00--and i was almost finish paying it off--they wont have to worry about me again--and ill tell every 1 not to go with them--VERY DISAPPOINTED PERSON

They are treating some transaction separately so you should be making multiple payments each month but you may not know it!

They charge me twice of what im own make my payment and its seem the balanced never goes down

Care credit has charged me fees in over 100.00. I can't reach them by phone and I want to talk to them. I'm getting the run around. Not good. I will notify the BBB next.

I would like more information on a Class Action Lawsuit against Care Credit. They are not posting the payment properly and adding money on the account. The Company is a Scam. My husband and I are really fed up with this. Something has to be done.

This company is a rip-off they say that they sent a letter out one-time stating that my interest rate for the year was going to double over my payment that was due this company is a scam I don't recommend it read your fine print very carefully I owe $300 my address was $245 at 26%

Count me in... 11-05-2019 I have talked to the customer service and get nowhere. Horrible company. My $1200 tooth removal is now $3850 after all the fee's

This has to be the worst place to get help from. If you did not pay the full loan within there time limit. Your balance will double or even triple the total amount. I used Care Credit to have a tooth pulled and now I owe over $3800 for one tooth. If I would have known now how the scam company worked I would have never used them.. STAY AWAY

This company added 1300 of interest to my account all at one on July 20. This is greed, inhumane, and robbery. Why would any company do this to their customers that have never been late with paying. The lady I spoke with, did not care one bit, that I was highly upset about this. I'm hurt and very disappointed

Interest rates increase each month long with credit fee?