CareCredit’s earns a 1.9-star rating from 234 reviews, showing that the majority of cardholders are dissatisfied with financing options.
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carecredit credit card
So I filled out an application for the card but I forgot to put the amount I needed and so it denied me of course but then I tried again, this time remembering to put down the small amount I needed. They said they couldn't accept my application because I was already denied. WTF? So I tried calling, but guess what? No number to call! Either you call for applying where you'll be met with no human assistance whatsoever, or you call a number for existing card holders that makes you put in your account number(which I obviously don't have) before I can speak with anyone. BS. All I need to say is hey I goofed up my application can you let me send one filled out the right way this time?
card security scam
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
I am paying for a Care Credit account that was taken out with both my daughter's and my name on the account. She never looked at the statements, and I did not have access to them till recently.
I have been paying seventy plus dollars a month for this scam insurance. The sad thing is that I am retired and on a limited income. I finally caught this after having access to the account online. I was fit to be tied, called Care Credit, and then Card Security services. Seems like both are in this together. What a Scam. demanded all the money be refunded to me for card security services. Guess this happens a lot. How they tack this onto care credit is beyond me. My daughter did not ask for it, and I did not either. Meanwhile Card security services gets to float your money till it is noticed and the money is refunded. BEWARE PEOPLE
error on the part of care credit with regard to the amount owed them.
I stopped receiving a monthly statement sometime ago. I have paid them each month online and keep a record of payments made. As of February 12, 2016, my balance due was $2, 940.00. This, incidentally seems to be the last time I received a statement from them. Also about this time I was issued a new card which I have never used.
I have continued to make payments since that month in the amount of $222.22. Suddenly when I looked at my account on line it says owe $4, 424.00. THIS IS NOT TRUE! I tried to talk to someone on line who was not at all helpful. This is either a terrible error on their part or clearly fraudulent activity.
Frankly, I don't think I will do business with them anymore. I am glad I have a complete record of all payments made to them so that I can prove that I do not owe the amount stated.
credit card
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. !@*#@! 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.
billing statements not being mailed to me.
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.
**To expedite a response, please provide Reference code DM 121415_CB_WVU**
I’m sorry you have experienced issues with your Synchrony Financial account. We would like to try and resolve your concerns. Please email me at ask.synchrony@synchronyfinancial.com with your name and phone number. A member of our consumer advocacy team will call you to assist.
For your security, please do not include your account number in your email.
Regards,
Nicole
Synchrony Financial
deceptive credit card
I was never informed that my medical purchases were only temporary 0% interest. Paid my bill every month on time and now Im over the limit with tons of additional fees and technically past due cause I was unaware of the changes in my minimum payment due.
I was deceived by care credit. I was nor informed on the interest rate being introductory. When my monthly payment became too high I couldn't reach anyone to try and make pymt arrangements. I was not able to access my acct. Online. When my acct. Was sent to a collection agency I couldn't get them to send me the pymt arrangement in writing and next thing the acct was transferred to a different collection agency and now I am being sued. This company is the worst ever.
**To expedite a response, please provide Reference code DM 52715_CB_madmegan**
I’m sorry you have experienced issues with your Synchrony Financial account. We would like to try and resolve your concerns. Please email me at ask.synchrony@synchronyfinancial.com with your name and phone number. A member of our consumer advocacy team will call you to assist.
For your security, please do not include your account number in your email.
Regards,
Nicole
Synchrony Financial
I'm confused... Didn't you get a monthly bill?
fraud with late fee's
I signed up with Care Credit about a year ago for some dental services. My total amount of credit though them is 2, 500 in which 1, 800 was the total for my services. They are the worst credit agency I have EVER worked with. My bill is due on the 11th of every month by midnight. On my May statement of 2014 I was less than 24 hrs late on making my payment; which was of no fault of mine. I tried to make the payment by midnight Sunday the 11th but was unable to access my account through their online services due to a human error on the behalf of Care Credit, they had my birthday wrong. I did make the payment first thing Monday morning through a live operator. On my June payment I had a 35 dollar late fee added which brought my bill up to 98 dollars over the normal 53 dollar payment. I called and spoke to a representative and she stated that she would refund the fee and to go forth with making my regular payment of 53 dollars on the next due date, June 11th. I made sure to make that payment on time! My bill for June just came in and instead of being the norm, 53 dollars, it is in fact 138 dollars. I called and asked why I was being charged another late fee on the amount of the past late fee that was suppose to be taken off. They stated that a late fee is refunded through a credit on my balance has nothing to so with amount due on my bill? Why didn't the first rep tell me this then? They also stated that they credited me back the 35 dollars on my total balance, which never showed up on my new statement, it only showed up on my transaction summary. The account supervisor was very rude and unprofessional, and basically put their error on me. I see there are plenty of class action lawsuits against this company, and now I know why. They will tell you something is taken off, in my case the late fee of 35 dollars for May, just so they can charge your account another 35 dollar late fee by your next bill. No late fee was ever refunded nor does it show up on your account balance, just the transactions, nothing else. THEY ARE A FRAUD, and just as Bank of America was made held accountable for their action of overcharging customers with unjust late fee's, so should this fraud lender! DO NOT USE THEM!
paid in full
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!
I am with you Care Credit is a huge rip off. I had two checking accounts and told them to take a payment from my second checking account. They took the payment from the wrong account (admitted that it was their fault) however they refused to pay for the non sufficient fund fee's that I received. I had to pay all of the non sufficient fund fee's and then they had the nerve to take me to court for the money that I owe them. I agreed that I would pay for all that I owed, however I would not pay any late fee's . Of coarse they refused and told me if I did not set up an automatic payment arrangement they could not take a payment from me. The worse company ever. These companies make millions off of us and do not have the decency to honor their mistakes. I hope the company folds and can't file for bankruptcy.
**To expedite a response, please provide Reference code DM 042314_cb_Gloriamv**
I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns. Please email me at gecapitalcares@ge.com with your name and phone number. A member of our consumer advocacy team will call you to assist.
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
I will never ever use care credit again
(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
This bank has lied so many times & has had to settle tons of judgements against them for "Unfair Business Practices" fraud, cover ups, steal, lie, cheat why are they still in business with the new name Synchrony Bank. They have changed their name for the fourth time new name Synchrony Bank. GE Capital Retail Bank, GE Money Bank & GE Capital Retail Money Bank.
Yes, Nicole did you by chance mention to this lady Pat that GE Capital Retail Bank Care Credit was ordered to refund $34 million to card holders or did you just keep that secret? Does anyone over there know how to be honest?
Read more: http://www.creditcards.com/credit-card-news/refunds-carecredit-34-million-medical-1282.php#ixzz340YRZgMC
How do you sleep at night Nicole?
https://www.youtube.com/watch?feature=player_detailpage&v=684lrrTwkqk or ge capital retail pay pal on you tube
Give the FAKE I'm sorry a rest!
Pat,
I’m sorry you have experienced issues with your GE Capital Retail Bank accounts. We’d like to speak with you to learn more and assist. For security purposes, we cannot service your account via email, so a member of our consumer team will contact you via the phone number associated with your accounts.
You are welcome to email us as well at gecapitalcares@ge.com. When emailing, please reference DM 030414_cb_ PatMudgett. For your security, please do not include your account number in your email.
Regards,
Nicole
GE Cpital
practices
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
My account began in 2004 with a $1, 400 dental bill. Since 2004, and according to my bank statements, I have now paid $2, 233. I stopped paying in 2009, because the payments kept getting higher. I was taken to court and now the lawyers decided that I must pay $1, 800! I am livid from anger. How can I get out of this mess? They are thieves and crooks. I cannot let them just take my money (from my bank account or my job).
the payment website locked up at the page where you submit the payment.
please send an e-mail or call so I can make a payment before my due date on
Oct 17th. Please hurry, there is no phone number to call on the bill.
When I try to sign on to their website to pay my bill, I get a screen saying that I should check my spelling, indicating that no such website exists. I have tried it numerous times, just to be sure, with the same results.
CareCredit/GEMB - Same story as the others: "interest-free" payments for oral surgery procedure if paid in full in one year or less. I sent documented payments religiously, always with extra...just in case. Standard operating procedure - they claimed they never received several payments, assessing "late charges" and other penalties. After an hour + wait (totally illegal in itself) to talk with rude telephone personnel, I faxed copies of the cancelled checks and drafts which they also "never received". Yeah, right. Sent them again via registered mail. They still denied receiving proof of payment. Nothing resolved. Hoping to collect with class-action suit.
because you didnt finish all your payments... which I know carecredit is a pain in the rear end cause they increase interest rates once they grant your loan, you probably got hit with the attorney and court cost as well since you were found at fault. sorry honey but nothing is fair when it comes to borrowing money these days.
If there is a Class Action suit against this horrific company, I would like to know about it!
rip-off loan repayment plans
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 $31.50. The repayment plans is astronically and it is designed to accrue as much interest from one time use to a multiple purchases. Care Credit is a total scam! Unfortunately, I still have an out-of-pocket payment in addition to the interest and fees from last month. WARNING! If you have another option to paying your medical, dental or comestics needs--do yourself a favor do not use Care Credit, you'll be sorry!
The complaint has been investigated and resolved to the customer’s satisfaction.
I just woke up to a 900$ interest charge on my almost paid off care credit card. They said I took some promotional purchase and had to have it paid off in 2 years which I was totally unaware of. I needed a root canal so that’s the reason I got this card. The customer service reps and a “manager” I spoke to were no help at all. The one kept cutting me off and was more concerned about me swearing than my actual issue? This feels sooo illegal and I refuse to pay this. I need help on where to go from here. If I can’t figure out anything I’ll just let it go to collections and settle it for less than my original amount. I almost had this card paid off too and never missed a payment. What a joke of a “company”🤬
**To expedite a response, please provide Reference code DM 073113_cb_TianaBlue**
We would like to look into this. Please email me at gecapitalcares@ge.com with the following information:
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
bad processing
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
I borrowed money from Carecredit, what a huge mistake that was, if you pay it off in 60 days then they don't have a chance to charge you a unbelievable amount of interest, so far yr to date I have paid them 263.51 in interest to borrow 800.00 which I borrowed a yr and 2 months ago. I would recommend rethinking any situation that may offer you a carecredit loan. THEY WILL SOAK YOU IF GIVEN A CHANCE.
**To expedite a response, please provide Reference code DM 012413_cb_ AmandaBa**
I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns. Please email me at gecapitalcares@ge.com with your name and phone number. A member of our consumer advocacy team will call you to assist.
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
**To expedite a response, please provide Reference code DM 012413_cb_AmandaBA**
I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns. Please email me at gecapitalcares@ge.com with the following information:
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
I would never ever resort to care credit again
using care credit to pay off dental bills was the worst mistake I have ever made. I had a 5k dental bill after need extensive repair following a car accident and the interest they charge is RIDICULOUS! I always make a double payment every single month and in over a year my balance has only gone down $1200 after making monthly payments of $300 if not more. if I could warn every single person on earth to never use care credit I would. I have now gotten a new credit card and will immediately transfer my care credit balance, and I don't care how desperate a person is for treatment I would never ever resort to care credit again!
I tried it, i did not trust it and i hated it!
**To expedite a response, please provide Reference code DM 012413_cb_Milucen**
I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns. Please email me at gecapitalcares@ge.com with your name and phone number. A member of our consumer advocacy team will call you to assist.
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
**To expedite a response, please provide Reference code DM 012213_cb_ Milucen**
I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns. Please email me at gecapitalcares@ge.com with your name and phone number. A member of our consumer advocacy team will call you to assist.
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
fraudulent charges
My son needed dentures. The dentist offered Care Credit as a payment plan. My son applied and was denied due to bad credit. They told him that I(his mom) could apply for Care Credit to pay for it. He used his Visa for part of the payment and the rest on my Care Credit account. They have been after him, saying that he owes $1000 plus interest and they are suing him. The dentist office would never give me an itemized statement, so they are no help. What kind of scams are they running? This is not the first I've heard of this happening.
If you had read the entire thing, you'd see that, yes, I did get a Care Credit acct. I've paid over $3000 and am only a few payments away from paying it off. He also used a Visa debit card(having borrowed money from a friend) to pay the remaining balance. He never received anything from Care Credit verifying an account(an actual card from them, nor account info). He was denied a Care Credit acct, which is the reason for me getting one to help him out. He received a bill from Care Credit out of the blue and called to TRY to straighten it out. What a joke! Can you say FRAUD! Of course the dentist office was no help, they are in on the whole thing. They get paid before anyone else and before work is even done. My mother is going through a similar situation. I always pay my bills, but I'm sick of Care Credit taking advantage of people.
**To expedite a response, please provide Reference code DM 012213_cb_MaryPlowman**
Mary - I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns. Please email me at gecapitalcares@ge.com with your name and phone number. A member of our consumer advocacy team will call you to assist.
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
Well, did YOUR care credit get approved? If they have not received any money from Care Credit then they have the right to sue him.
disability insurance
I was in desparate need of dental work. I have always taken care of my teeth, but due to suspected medicines I was having to take for a illness that was making me disabled, I did not have any dental coverage, nor the money to purchase any. I had been denied actual Disability from Social Security twice, but I had filed for an Appeal Hearing...the date yet to be determined. I had been referred to an endodontist that offered the CareCredit Card applications. I called, and as it turned out, I already had a account that had been used years earlier for my ex-husband, but was just in my name. I talked to the customer service rep. about using the card, and that is when he asked if I would like the Disability Insurance offered on the card. I asked specific questions about the Full-Disability rules. They were explained to me that anytime after I was enrolled in the Disability Insurance, if I became officially disabled by Soc. Sec., , the balance of the primary account holder would be paid off. Even though I had already been denied Disability twice, and didn't have a requested hearing date yet, I decided to pay the hiked up extra each month to have this insurance. I finally did have my day in court, and did receive the right to collect Disability. When I submitted my claim to CareCredit, I was told that even though the date I won Disability was after my enrollment, because Soc. Sec. will back-pay up to 2 years, if proven illness, their Disability Program did not apply to my case...directly contradicting the specific questions I had previously as their customer service rep. on the phone before I even began the dental work. That day on the phone, I was told that the call would be recorded for training purposes...blah, blah, blah..so, they have exactly what questions I had asked, and exactly what answers I had been given. I am still forced to pay the hiked up price each month for the insurance, where this issue is not yet resolved...dispite the fact it is not worth the paper it is written on. What good is the Disability Insurance, when Soc. Sec. most always goes back the 2 years...because it generally takes that long just to have your case settled with them. THIS IS A PRACTICE OF LOOP-HOLE FRAUD !
Good luck with this situation.GE Care credit is a giant scam! My advice would be to ditch them ASAP!
**To expedite a response, please provide Reference code DM 080112_cb_bb**
Thank you for your post. We would like to research this. Please email me at gecapitalcares@ge.com with the following information:
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
participating visions overcharge carecredit users
On top of being unemployed and without medical insurance, the only way I could use my carecredit was if I purchased glasses at their participating vision centers. I compared the same glasses at that vision center and at LensCrafters and vision center was $849 and lenscrafters was $423. seriously, half price but Lenscrafters doesn't accept carecredit. Carecredit needs to screen their participating vision centers alot more! Now im doubting if I got ripped off at the dental center because they cross sold and maxed out my line to $5, 500!
everything about their bill pay
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!
The complaint has been investigated and resolved to the customer’s satisfaction.
** To expedite your case, please ensure to provide Reference code DM 052212_cb_TMBK **
I'm sorry you're experiencing problems with your account. We'd like to help. Please email me at gecapitalcares@ge.com and provide your name and phone number so we can call you directly to assist.
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
misrepresentation
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!
** To expedite your case, please ensure to provide Reference code DM 032912_cb_PVTX **
I'm sorry you're experiencing problems with your account. We'd like to help. Please email me at gecapitalcares@ge.com with the following information:
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
debt settlement
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.
** To expedite your case, please ensure to provide Reference code DM 032012_cb_dml72 **
I'm sorry you're experiencing problems with your account. We'd like to help. Please email me at gecapitalcares@ge.com with the following information:
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
We received your email to our consumer advocacy team and left a voicemail at the phone number you provided in your email. We welcome the opportunity to speak with you regarding your concerns. You can reach us via the phone number we provided, or email us at gecapitalcares@ge.com.
Regards,
Nicole
GE Capital
finance charges scam
Skin Speaks Spa MD & Advancements in Dermatology in Burnsville, MN offered the CareCredit financing for their special event. I chose to have my dermatology work done there ($2500 worth) due to the interest free financing for 18 months. My first shock came when I received my first bill and was charged a finance fee of $35 before I had even had any work done. They told me they'd remove it, but then a total of a $17.50 finance fee appeared and that my free financing was only for 12 months. I was then told that they could only remove 1/2 of the original finance charge! The biggest shock came when my last bill also showed I now owed the back finance charges for $610.54 due to missing the final due date which had changed. The rude customer service rep told me that the due date which I'd paid on time every month was different for the final payment and was set up for the expiration date instead. This was about 3 weeks earlier than the regular due date I'd been paying online every month. CareCredit financing is a SCAM set up to count on people not reading all the fine print so they can collect all the finance fees at a 26.99% APR!
The complaint has been investigated and resolved to the customer’s satisfaction.
Marlene - I'm sorry you're experiencing problems with your account. We'd like to help. Please email me at gecapitalcares@ge.com with the following information:
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
- Reference code DM 011412_cbMarleneGravlin
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
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I was told that if I paid off my accts.in24months there would not b any interest charges but on my bill there r interest charges. Plz advise.
Anne Quinn # [protected]