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1.9 200 Reviews

CareCredit Complaints Summary

45 Resolved
155 Unresolved
Our verdict: When using services from CareCredit with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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Newest CareCredit reviews & complaints

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7:41 pm EST
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CareCredit Customer service

Hello. I spoke with a member of Care Credit Team today. I want to complain about the man I spoke with being rude to me by hanging up the phone before I was done talking. I appreciate the answer and explanation he gave me to my question, but the way he hung up before I was done was disrespectful. Safe to say that once I pay my bill off for them, I will NEVER use them again.

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1:33 pm EST

CareCredit Everyday promotional financing

My wife was told that there is promotional financing for 48 months on the care that she credit card that she received in October 2023. Well we paid the bill in November and did not notice the interest of $15.95, so when we got the bill for November I looked at it and noticed there is a interest charge of $57.09 . So I told her we should go to the Credit union and get a loan to pay this off and we did the card got payed off and my wife contacted care credit and they said we do not get the promotional financing because they said the dentist that she went to turned the promotional financing off which I know they they can not do that care credit is where they offer the financing so buyer be aware of this crooked company they are Crooks

Claimed loss: $73.04

Desired outcome: $73.04

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4:20 pm EST
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CareCredit - Integrity of company

I was lied to over the phone by multiple agent's (who I find out work overseas). I currently have four different purchases with care credit. Two of the purchases are interest free for a promotional period and another is a standard purchase that needs to be paid off within a month of purchase. I was told by 4 different agents that I can call in a payment and...

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2:08 pm EST
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CareCredit Care credit card

Horrible people to deal with. Raise your minimum due at will. Asked to change due date because of social security and they refused. Lowered credit limit for no reason. Representative are totally unhelpful. They also screwed up friends card and lowered credit limit after granting it so that he can't even finish dentist appointments. They screw people over.

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4:37 pm EST

CareCredit Credit score assassins

Care credit destroyed my credit by reducing my credit line without casue or notification they caused my DTI to plummet and me to be rejected for a loan becasye they took my $12k credit line and dropped it to $66 over the course of a few years, when i complained they said i wasnt using it, what they didnt realize is I was documenting their crime of tampering with peoples credit scores by violating their own terms and reducing peoples credit with cause. now they will be fullty investigated suffer bancruptcy and lose millions all becasye theiur greedy [censored] couldbt be honest! and the moment a news station replies I will be on the news reporting these scumbags so ther innocent consumers arent victims

Claimed loss: Credit score dropped hundreds of points after they reduced credit line several times. they also caused our DTI to get us rejected for a loan.

Desired outcome: I want the balance illiminated because they breached their agreement.

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3:19 pm EST
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CareCredit Representative cora

Called to make a payment spoke with cora.very rude representative I ended up getting put on hold I then hung up ...had to ask for a supervisor before hanging up...instead of calling back I paid on auto pay...I had difficulty online so I was already frustrated this representative added to my frustration.i should not have to inform her I am the customer...please coach her on her tone ..very kurt...thank you

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3:10 pm EST
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CareCredit customer service, interest charges

In the past year I have needed to contact carecredit customer service because of interest charges that should not have been charged, for promotional awards that I never recieved and also to make sure payments are being applied correctly to enusure I am only being charged interest when appicable. Unfortunately the reps I have spoken to have been rude, give me inacurate information and I have had to call almost monthly for at least the last year. I wish I could afford to just pay this card off but Its the only way I can afford to get healthcare these days. Is really sad and I have to mentally prepare myself to just make a call to them because i know I will be on the phone over an hour and its just not fair. I have had to call at least 20 times to be sure fees are reversed. I dont know what happened but its like it was in 2019 when i first got the card. Be wary!

Desired outcome: Improved Customer service. Apply payments to charges that will accrue interest FIRST!

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3:39 pm EDT

CareCredit Interest rate

I was just charged $343 on a $852 balance. I was told the interest is from a prior balance (money I have already paid off). I was told it could be removed if I pay up all of it in the next few days which is blackmail. The only help I was offered was to close my account. I have filed with the BBB and am joining a class action lawsuit if this is not corrected. I was mislead and can't believe a legit company can perform such illegal acts.

Claimed loss: $343

Desired outcome: A FAIR interest rate

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Varela
, US
Jan 15, 2024 11:33 pm EST
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Which lawsuit is this?

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2:46 pm EDT
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CareCredit - Care credit closed account

I opened a Care Credit account in 2020. I had surgery and was paying it back and have never been late. In September I had a dental emergency and used the card with deferred interest for a year. I wanted to know how that works since I noticed you could not separate payments for the two Care Credit accounts. One person told me that they could not allocate...

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6:27 pm EDT
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CareCredit - Credit card being cancelled

Every month I check my accounts through the apps on my phone. When I tried to open the Credit Care app today it told me my services have been interrupted and that I needed to call. I was very concerned because all my cards are set to recurring monthly payments. This card in particular I usually payoff the amount to keep up with the 0% finance so I am alway...

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1:59 pm EDT
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CareCredit They don't inform or send email or letter about expired promotion

I am live chat with the agent on 9/10 because I want to know why I got charged $392.97 on June 2023 and another $72.

They told us our promotion expired in June. We do not get any notice via email or the letter.

I told them because I do not know if I know I will make the full payment of $900 but right now my payment is $900+392.97.

I do not want to pay $392.97 but I can make a full payment of $900 because they do not call or send a letter to inform us.

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11:09 am EDT
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CareCredit Surprise promotional purchase

On 7/2/21 I went to the denist. The bill was 1085.00. I guess it was promotional purchase for 2 years. I didn't not know that. I paid 500 the next billing statement. Forward to today I made.my payment on 7/21/23 and no interest rate or how much I owe on the promotional offer I didn't even know about.

Today I see I was charge 518.06 in interest because I didn't pay it off within 2 years. I owe 41 bucks. I called customer service and they can not do anything . I missed the grace period by 1 day. So if I called yesterday and paid 41 dollars, I would have not been charged 518. What a scam. The lady told me I have to call every month and tell the agents where I want my money put. It's one card! Why have auto pay, online pay ,and an automated system? I know to rip people off.

Desired outcome: My 518 interest charged off my credit card.

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9:25 pm EDT
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CareCredit Care Credit/Credit card

My balance is still showing $2798 interest charges.

Care Credit has stated that my balance would be 0, because of the $1800 payment I made via phone because the website was not working.

My balance was $1700 in July and I made a payment of $1800 on August 18th.

I would like the $2798 interest charges removed like you previously stated it would be.

Thank you for understanding and I appreciate your help.

Joseph P Limont

Desired outcome: Balance of 0.$2798 interest charges removed.

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3:39 pm EDT
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CareCredit Customer service

July 26th, 2023

To Whom it may concern,

Good day, my name is Kimberly Jones. I have been a Care credit and Synchrony customer for many years. However, recently I experienced something no customer should have to experience. As such, I decided to write a letter making you aware of the situation as No One should be treated so dismissively, rude and most of all HURTFUL. When you have customer services agents representing your company bringing professional loving, caring people to tears there is a BIG problem. Please allow me to share my distressing experience with you.

I love Care Credit. However, I was having some problems with my account and called the beginning of June asking for help as for some reason the card tried to pull the full amount from my bank account. As such, I called (6/12/23) and spoke with a representative and she assured me they would turn off the autopay so it would NOT happen again. Well, she did not, and they continued to attempt to draw 1807.00 from my account 3 additional times. (6/15/23, 7/12/23 and 7/17/23).

I called again and spoke with a gentleman, and he assured me they would straighten this out. I pleaded with him and told him about the false promise the previous month and that I DO NOT want this to affect my credit. Once again, he assured me that my account was in good standing, and he would see to it that this was quickly resolved.

A few days later (7/22/2023), I was notified my card was CLOSED! I was so upset I called and spoke with another female rep and told her what was going on. She then forwarded me to her manager. The manager was very kind and stated she wanted to help resolve this and apologized for any confusion on their part. She stated they would LISTEN to the phone calls and if in fact it was a mistake on their part, she would re-open my card.

I spent several hours reviewing my cell phone roster as there are a few different numbers to Synchrony & Care Credit. I called back and spoke with another rep to provide them with the requested information of dates and times of my calls. She also spent 45 minutes looking at my account and could see I had not missed any payments. Even when they were trying to take the full amount from my bank account, I continued to make my regular payments. She also stated they would help me to get this resolved and she could see I was a good customer and had made payments on my account.

The next day (July 25, 2023, at 11:33AM), I received a call from [protected]) her manager (SHANNON) she was abrupt and confrontational right from the get-go! Extremely rude and it was obvious to me right away she had NO interest in listening to anything I had to say or helping me resolve this issue.

I requested she listen to the phone calls /interactions I had previously had with Care credit reps, and she kept insisting I had never spoken with anyone "you just texted". I informed her YES, I tried texting to resolve the issue when it first happened however, it was clear to me quickly I really needed to speak with a customer service rep on the phone to explain what was happening and get some direction on how I could quickly resolve the problem. However, she just continued to speak down to me very rudely and judgmentally.

I asked her why she was being so rude to me. I am a very friendly honest person; I am a Registered Nurse/Emergency Room nurse and currently am working for the Federal Government. I empathized with her that I understand that her job can be a difficult one, but I am not trying to have an argument with her. I really would like to fix this issue and have my account restored. Even if she was not able to help me, I would have really appreciated I simply some common courtesy and to listen with intent to assist me in resolving this matter. However, she continued to berate me and brought me to tears. That is completely inappropriate.

I requested to speak with her supervisor, and she stated she was the "top of the line”, but I could mail corporate if I wanted and got one last dig in by assuring me that "your account will remain closed mam”! You should learn to read the autopay agreement which states unless intentionally stopped it will continue to pull the full amount every time".

I then asked so I could get a better understanding, "if I pay the card off in full to a zero balance then 6 months later use the card for an emergency (let’s just say for the amt of 4800.00) it will attempt to pull the full amount of 4800.00. Even though the card had been at a zero balance for several months".

She then fired back "YES, again read the agreement which it is obvious you did not"(or something along those lines). This made no sense to me. I later pulled the agreement, and it does state that if a consumer calls and requests to have the autopay stopped it may take 1-2 days. However, in my case I spoke with at least 4 different reps and despite their promises, NOT ONE ever turned the autopay off even though I requested this MULTIPLE times.

Had they done as I requested on June 12th, 2023, I would not have multiple NSF fees from my bank and my Care Credit card would still be in good standing. I take care of people 10+hrs 4-6 days a week and I get that it can be frustrating at times. However, NO ONE deserves to be treated in such a horrible belittling manner.

This was an awful experience, and it is such a shame that Care Credit would allow their customer service MANAGER to behave in such an unprofessional, hurtful manner. I have always been a big fan of my Care Credit card and I certainly did not deserve to be made to feel as if I didn't matter at all. It was obvious early on that She had absolutely no interest if helping me resolve this situation despite all my efforts to do the right thing.

I welcome anyone to listen to the call on June 12th, 2023, on phone number [protected]) or the other calls I placed pleading for assistance in fixing this matter. I was very vocal that I did NOT want this mishap / mistake to affect my credit or my Care Credit card.

On June 19th [protected] at 10:03 AM) I spoke with a very nice young man. I informed him of the situation, and he also stated he would asst. me in getting this resolved and assured me my account was still in good standing. Even though Care Credit continued to pull 1807.00 from my bank account AFTER I had asked multiple times to turn autopay off and stop this activity, I still made a 500.00 payment with him over the phone.

At this point, I feel as though Care Credit / Synchrony Bank are not interested in helping their customers resolve concerns and that is sad. I have encouraged so many people to use Care Credit, my own adult children, friends, and patients I care for. Clearly, I am now wondering if I did the right thing as I would hate to think they would ever be treated this way on my recommendation.

Thank You for your time.

Respectfully,

Kimberly S. Jones

16828 127th Ave CT E

Puyallup, WA 98374

PHONE: [protected]

EMAIL: [protected]@yahoo.com

Care Credit Care Acct Number: [protected]

Desired outcome: I would like my Care Credit restored to good standing as I sincerly tried to obtain resolution in a very timely manner on my own.However, there was no follow-through on promises made to me by customer service agents.

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1:03 pm EDT
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CareCredit Closed account

Care Credit closed my account due to one missed payment. I had switched bank accounts and had missed setting care credit up. My fault.. I know. But i did pay it once I realized!

Fast forward to today 7/11/23 I log in and it shows my account closed. When I called in to speak with someone I was told that they closed it due to June's missed payment and that they would not reopen the account and if I wanted to reapply again I could. That will ding my credit all over again and I'll probably get denied because I still have an open balance with them. I feel like this is an unfair business practice

Desired outcome: I would like my account to be reopened

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4:46 pm EDT
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CareCredit closed account after 10 years with no notice

My payment didn't go through this June, and I don't understand why since there is no evidence of it being pulled from my account, and I also have an overdraft. They say funds were not available, and they were. I have one account for paying these bills and a high balance. Same scenario last year - they reported this happened in Nov of 2022. Due to 2 of these transitions in the last 10 years, they closed my account without notice. I was only notified through a credit monitoring agency. I called care credit, and they were not interested in hearing my side or working with me.

Desired outcome: keep account open. listen.

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9:51 am EDT

CareCredit Billing/Payment

HELLO! I have contacted your team multiple times now since MARCH?!?! My promotional balance expires in JULY and I made a payment of $514 and it still has not been transferred over to clear the balance and was put towards a different balance on the account….I did have another payment cleared because I needed two done, but this last one expiring JULY is still not cleared. It should NOT take this long?!?!

Desired outcome: CLEAR MY PAYMENT BALANCE?!?!!

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2:57 pm EDT
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CareCredit Customer Service, Customer appreciation

I've been a Care Credit customer for over a decade and recently, while travelling on business, my account payments got returned due to human error twice. Less than 3 weeks later, I rectified it and paid the past due balance. 3 weeks after that, they closed my account without telling me and reported my balance as a settlement on my credit. When I called I was told that this was due to a new computer system that auto cancels accounts with 2 missed payments (this was 1 payment returned twice due to error mind you!) 12+ years as a customer and they're willing to let me go because of that. CareCredit does NOT value its customers! Don't use them!

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12:56 pm EDT

CareCredit Bill not being paid after I mailed it in priority mail

I have called in numerous times and got the run around from your customer service team. I mailed in my Pay off check to the PO Box and verified thru a representative I sent the check priority mail to be signed for so I knew they received my payment. I have contacted numerous times now via phone and chat. My payment has still not been applied to my account and at this point care credit owes me funds back. One guy told me the PO Box had changed as well. Put on my account that I have a missed payment when it’s been there for weeks now. Please resolve this issue immediately.

Desired outcome: I want my account paid off and my money back that is owed me.

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8:38 am EDT

CareCredit Care credit card

*send to ceo*

I had a care credit card for a pet surgery. I have paid monthly payments. Never, have I been late paying on anything. I sent your company a payment back a few months ago of $1100.00. Somehow, it was either posted to another account or lost! I even spent hours calling your silly company to speak to a human. I sent you a picture of my bank account showing the $1100.00 sent to you and the date 2-3-23! Yesterday, (4-25-23), I spoke to a "supervisor" he said there was nothing he could do but file a dispute! I already did that 2 months ago!

Your company is useless and not 1 person has helped me at all with my situation!

You owe me money because now I have overpaid! I will not wait 60 days for another dispute because that will round off to my 1 year paying on the card!

I want a call from the ceo's office and this resolved within 10 business days of this email or I will file a complaint with the police and the bbb!

[protected]- michelle collins

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CareCredit In-depth Review

Overview: CareCredit is a leading healthcare financing company that provides a range of services to help individuals manage their medical expenses. With a rich history and background, CareCredit offers a user-friendly website that makes it easy for users to navigate and access the information they need.

Services Offered: CareCredit offers a comprehensive range of services to cover various medical procedures and treatments. Whether you need dental care, vision correction, or even veterinary services, CareCredit has you covered. Their coverage areas and specialties are extensive, ensuring that individuals can find the financial support they need for their specific healthcare needs.

Application Process: Applying for CareCredit is a simple and straightforward process. The website provides a step-by-step guide, making it easy for users to understand and follow. The requirements and eligibility criteria are clearly outlined, ensuring that individuals know if they qualify for the service. The application approval and processing time is efficient, allowing users to access the funds they need in a timely manner.

Financing Options: CareCredit offers a variety of financing options to suit different needs. The website provides an overview of these options, including information on interest rates and repayment terms. The flexibility and convenience of their payment plans make it easier for individuals to manage their healthcare expenses without causing financial strain.

Accepted Providers: CareCredit has a wide network of healthcare providers and facilities that accept their services. The website provides a list of these providers, ensuring that users can easily find a provider in their area. The accessibility and availability of providers in different locations make it convenient for individuals to receive the care they need.

Customer Support: CareCredit offers excellent customer support to assist users with any inquiries or concerns. Their customer support channels are readily available and responsive, ensuring that users can get the help they need. The website provides contact information and hours of operation, making it easy for individuals to reach out for assistance with account management or payment inquiries.

Benefits and Rewards: CareCredit offers a range of benefits and rewards for cardholders. They provide discounts, promotions, and special offers that can help individuals save money on their healthcare expenses. Additionally, using CareCredit for healthcare expenses comes with additional perks and advantages, making it a valuable service for individuals seeking financial support.

Transparency and Fees: CareCredit is transparent about the fees and charges associated with their services. They provide a clear explanation of interest rates and repayment terms, ensuring that users understand the financial obligations. There are no hidden fees, and CareCredit strives to provide a transparent experience for their customers.

User Reviews and Testimonials: CareCredit has received positive user reviews and testimonials from previous customers. Overall satisfaction ratings and feedback highlight the quality of their services and the positive experiences individuals have had. Real-life experiences and insights from users provide valuable information for potential users.

Conclusion: In conclusion, CareCredit is a reliable and valuable healthcare financing option. With a wide range of services, transparent fees, and excellent customer support, CareCredit provides individuals with the financial support they need for their healthcare expenses. The positive user reviews and testimonials further validate the quality and value of their services. For individuals seeking a convenient and flexible way to manage their medical expenses, CareCredit is a recommended choice.

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CareCredit contacts

Phone numbers

+1 (800) 677-0718 +1 (866) 893-7864 More phone numbers

Website

www.carecredit.com

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