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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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2:55 pm EDT
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CareCredit deceptive and confrontational

In April I was told that Care Credit could be used for vet bills and chemotherapy, with 18 months deferred interest. I applied online, was accepted & started using the card for vet bills.
I paid more the minimum on time each month.
Today I opened the bill and there was a $19.81 charge at 22.98%!
I called to complain and the rep was not sympathetic. She said I had a 3 month agreement not an 18 month agreement.
She said unless I could prove it in writing, tough luck.
I have my email receipt but it is not written on there. I called the vet and they said they will try to fix it, if they can.
I HAVE NEVER, EVER HAD GOOD DEALINGS WITH GE MONEY BANK, EVER.
I HAVE an EXCELLENT FICO SCORE AND DO NOT NEED A 23% CREDIT CARD.
BEWARE OF CARE CREDIT AND BEWARE OF GE MONEY BANK - THE WORST CUSTOMER SERVICE.

Read full review of CareCredit and 1 comment
Update by GE MoneyBankThe Worst
Jan 25, 2011 7:17 am EST

The above post was meant for a differnet forum, sorry.
[censored], You can now follow Care Credit on Facebook and write your experiences there. I learned that each month after making a payment I had to call a few days later after it posted and tell them to reallocate that payment to the balance that was expiring, sooner than the other balances. That was a big help, but they don't tell you that.

Update by GE MoneyBankThe Worst
Jan 25, 2011 7:13 am EST

I was unable to get past a phone tree and talk to a person. The phone tree agreed to stop sub but would not refund whole $27 for sub to Digital Photography which was way more than it should cost at $27 for a year. This is shocking that this kind of FRAUD can happen in the USA. I didn't get any email or postal mail notification of this sub. I don't know how I got conned into this. They must know that it is a con because they never let you get past a phone tree. Someone strong needs to complain to Congress about this, and stop this abuse from scam magazine hawkers.

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sissy609
Niles, US
Aug 02, 2009 1:19 pm EDT

oh care credit has been nothing but trouble since the day we got involved, but we have pets and we all know its always unexpected so I applied and things were good for awhile. always made payments on time . we take our dog to the vet and they said your card has nothing left on it and I checked it before we left and there was plenty to cover the vet bill so I come home and they were RUDE over the phone, and then we took the coverage for if you are ever Ill or lose your job what a joke my Husband had back surgery and was out of work so we call them and they told us that if he is off for longer than 3 months but in those three months we are to still make the payments that the entire bill would be paid HUH so I will not make another payment to them they flat out lied to us and then they cancelled our card imagine that

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4:16 pm EDT
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CareCredit unable to access on line payments at www.geonlineservice.com

Each month I have tried to use the on-line system to make my monthly payment and each month I cannot access. It comes up with "an error page" when everything has been inputted correctly. I also contact the customer service area while on the computer and no one understands why I cannot get on and no one has been able to assist me. This creates a big problem because now I have to have a telephone payment which costs me an additional $10 for the transaction. I almost feel as though this is a scam to get an additional fee from me. I do everything on line and this is the only account that will not work on line even though everything is completed correctly.

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Victor
North Brunswick, US
Oct 10, 2014 10:19 am EDT

us this link. They changed their payment website

https://www.mysynchrony.com/account/pay-online.html

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mgugdec
Boynton Beach, US
May 12, 2011 11:38 pm EDT

ME TOO !
No matter what I do, reset password or try to register again, I keep getting the message:
"THE USER NAME OR PASSWORD IS INVALID"
I've done this over and over and over again! Multiple times!
I CANNOT LOG INTO YOUR WEBSITE SO I CAN PAY MY BILL ONLINE!
I HAVE TO MAIL IN MY PAYMENT!
I'VE NEVER HAD THESE PROBLEMS ANYWHERE ELSE, WHEN I PAY BILLS ONLINE ALL OF THE TIME!

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Burr47
Albion, US
Aug 03, 2009 3:08 am EDT
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Use the following link and set up your account (cut and paste if necessary). This should allow you to access your account. Got to "One Time Payment" section and put in your checking account number, etc. Hope this helps.

https://www.statementlook.com/fdr_ge.service?TRANTYPE=STMT_SIGNIN&CID=AAAA10

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4:13 am EDT
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CareCredit payment processing

Watch your back if you have GE Money Bank's CARE CREDIT card. They give you three months without interest and if you don't pay off the "promotional amount, " they will charge interest on each individual promotion, not the total amount due. Say you ran to the vet three times in two months and couldn't pay off any of the "promotional" amounts. As each promotion ended, you'd pay interest on it. So, instead of a 19% interest rate, you'd be paying 19% three times. Talk about crooked.

They also stiff you when you make an internet payment. My payment was due on the 28th, which was a Sunday. I made my payment on Saturday the 27th but it was not presented to my bank until the 30th! This is supposed to be an electronic debit, which means it's paid when submitted. GEMB wants to make you pay late fees, so they submit it four days after the payment has actually been made. You either get on the phone and hope you can hammer some sense into them, or pay a $39 late charge.

One last thing. If you use a credit consolidation service, GEMB will not change their due date for anyone, including the service.

Read full review of CareCredit and 2 comments
Update by Burr47
Apr 16, 2010 11:11 pm EDT

The latter statement is correct, and they'll charge you for *EACH* visit separately when it comes to the promotional period and interest. Be very, very careful with this card or it will put you in the poor house long before the dental bills do!

Update by Burr47
Aug 03, 2009 3:02 am EDT

When you make an online payment through the company website, the amount is automatically credited and an authorization code is provided. Last week I paid my friend's Care Credit bill on a Saturday (the payment was due Sunday). The transaction did not show on her bank statement until Tuesday, however, however, Care Credit showed the payment as on time and credited on the day the payment was made. Some of us play the money game very close to the line, which is why it's a lot easier to use a debit card rather than sending a check 7 days before the due date. I actually had one payment that I send 10 days early and was told that it was never received. It wasn't! I got a copy of my check from the postal service about two months later saying the envelope had been damaged in transit and they had destroyed the original check. I got the problem cleared up with the credit card company by sending them a copy of the check and the note from the postal service, however, I think that dealing with these guys over the internet is a lot faster.

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HappyasHell
Laurel, US
Aug 24, 2009 10:46 am EDT

I just recieved my Care Credit card in the mail. However, before I decided to use the card I thought I would do research on the card. It appears that all providers have their own rule. I need dentistry work done and one oral surgeon told me that I could not use the dental card with my insurance card, another told me that the work to be done had to be over 500.00 to use the card. I was a little frustrated until I made one last call to another oral surgeon and the representative told me that depending on the plan you choose I would have to pay it off in full to not receive interest. if It is not paid after 3, 6, 12 or 18 months (depending on which I choose) after my that amount of time 18 months of interest will be added to my account all at once. (not by each month but all at once at the end of the trial period. I am truely glad that I can cut up my card and close out my account before its been used.

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aibgirl2007
New Prague, US
Jul 15, 2009 1:36 pm EDT

One thing you should remember about electronic debit is that most businesses won't debit your account until the next business day. So if you pay on a Friday Saturday or sunday, they should at least credit your account on Monday for the payment.

If you know your payment is due on a certain day, plan accordingly! If you try to make a payment the day before over the internet, then you can't complain when it doesn't post to the account the next day. If it going to take four days to post, pay it 4 days before or even 5 to be safe! That is how most online payments are.

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3:01 pm EDT
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CareCredit hitting intrest charges

I been doing bussines with care credit little over 6years, i have broww 5, 000 which i was paying every month
withing 17month i have payed half of the loan down 2, 500 may 11 2009 it went from 2, 500 to 3818. i called customer service may 20 explain to them my setuation, t hey said i have to pay the whole amaunt he loan, that they couldn't help becouse i had 18 month to pay of tand they hang up thr phone... i will never use care credit again. they deceice people..

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INTEREST OVERLOADED
, US
Jan 12, 2010 11:59 am EST

I too am in the same boat. I had paid my bill half off of the originally bill which was $2000.00. At the end of the seventeen months I recieved my next statement bill which had been pushed back up to $2000.00. They were asking for a large payment which I really can't afford these payments as I only recieve a check once a month. Now the bill is way over the original bill. I'm hoping that many will come together and complain to the attorney generals office. Or come up with some way to beat them at their own game. The set up is not about the customers but a scam to get over on as many people as possible

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7:14 pm EDT
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CareCredit late pay scam

I have 3 Care Credit accounts with them for over 3 years now. One in my name, one in my wifes, and a joint account in both of our names. All of them have been charged with so many overdraft charges in the last 3 years I still owe them nearly what I started at. Problem is I only had 1 late payment, not 20. They are scamming people. Their website doesn't post the payments in a timely manner. It can take days. They've also changed the due date on us several times. When you call about these so called late payments they act like they don't understand english. I just quit paying them. I'm hoping someone will do a class action lawsuit and put them out of business here shortly. Where's the government in these situations?! Government if you CARE these people are runing peoples CREDIT. Maybe that's why they are called CARE CREDIT> they don't care about your CREDIT! BIG SCAM!

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kyleg80
Bellingham, US
Apr 25, 2009 3:25 pm EDT

it don't post until the check is cleared your bank. and they are owned by GE there not going out of business anytime soon

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2:07 pm EST
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CareCredit charged for no services

I received an estimate for dental work ; I decided to use a different dentist, I had no work done but did fill out a form for credit, at 0% interest. 30 days later I received a bill for 3300.00 which has grown to 3700.00 in 3 short months.I now am threatened with collection.
for this supposed debt . I've written my attorney general, contacted the dentist who signed letter stating the charge should be deleted but nothing has happened.CARECREDIT sold this contract to GE MONEY BANK they sold this contract to a collection agency.What a scam|||

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Tamra dorsey
, US
Aug 01, 2019 12:47 am EDT

Has anyone been dealing with the same cituation

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Tamra dorsey
, US
Aug 01, 2019 12:43 am EDT

I have been with Care credit almost ten years never had an issue with them I always paid my bill on time. .I have a charge on my bill that I never received service I I've some to numerous people with Care credit all they kept doing was disputing the charge like ten times they even credit my account for that charge at one pointe then out of no we're took it back.i thought I was protected with Care credit .when I call customer service half people don't understand and tell me anything to get me off phone.i was told as long as my account was in dispute I didn't have to make a payment all the sudden my credit score went down 40 points for not receiving payment.since my credit score drop now all my credit cards are cutting my credit limit in half for example if I have 10 tho credit limit for Macy's American Express now it's 5000 and at least 15 credit cards Care credit has ruined my life and let me down big time.i will not give up on my complaints untill something is done.beware

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SarahMarie
Portland, US
Mar 01, 2009 3:53 am EST

Well what happened sense u contacted your attorney!?

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9:54 am EST
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CareCredit fraudulent activity

I signed up for a no interest for 12 months and during these 12 months I was sending money orders to carecredit. There was a promotional balance and the date was 2-18-09 and due that I was trying to avoid finance charges, I paid in full the promotional balance and sent it in January and it was received January the 24, 2009. What happened next is the most ironic thing I have been a part of. I received 2 days ago an invoice for the Month of February, and Yesterday for the Month of March, that payment had to be received by March 14 and my balance was over $ 700 dollars which included all the finance charges. There was a hidden charge of about 100 dollars but they waited 2 months to send me the invoice so that I could not see that they were charging me extra and keep me from making a payment and allow them to charged me the finance charges.

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montecarloss
White Bear Lake, US
May 03, 2012 11:34 am EDT

from what i understand there are class action lawsuits forming. i havent had my promotion expire yet. but after hearing all the complaints against CARECREDIT, im very worried. This is terrible. there are many other complaints on "[redacted].com". Dont know why providers that offer carecredit dont stop offering this financing. this bank gave me a very high credit line! guess i know why now. everyone needs to join in on a class action suit against this bank and stop them soon.

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11:29 am EST
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CareCredit rude and unforgiving

We got the Care credit through GE Money Bank. We paid well over the min payment for the past 18 months. We we going to make the final payment this month. Well turns out the interest free promotional period ended on Feb 7, 2009. Today is the the 12th. We missed it by 5 days and they tacked on almost $1000 in finance charges. I've called twice and offered to pay the final payment today. They refuse to remove the charges. All I wanted was the charges removed and to make a final payment. Most credit cards give a 10 grace period.
DO NOT set up paperless statements or auto pay. Get your statement each month and READ it. If I had I would have known I had to pay by the 7th. Now instead of having one more card paid off, I have more debt.

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carol
Collegeville, US
Mar 14, 2009 11:17 am EDT

I was told my a CreditCare rep that my March payment would have to be paid in full or I would have a deferred interest fee of 293.00. When my March statement arrived (/3/13/09) they had already charged my account for the deferred interest. When I called they said my payment had to be received by 3/3/09. I had all intentions of paaying the balance due to avoid the financial fee. Had I realized that this was going to happen I would have paid in full last month. I realize I was not on the ball with this but also feel I was given misleading advice. When I inquired about this their reply was basically #oh well, too bad for you". I am a single mom in a financial jam and have a child that needs more dental work. I am so upset, anxious and scared about this. Any opions on whether or not I have any recourse here?

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3:49 pm EST
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CareCredit payment charges

We have a CareCredit card which we made and electronic payment to from our bank account.
The payment due date was for Sunday 12/28/08. We scheduled our payment for Friday 12/26/08, two days earlier than the due date.
We have confirmation that the electronic funds were paid to CareCredit on 12/26/08 from our bank.
CareCredit contends that they did not receive payment for our account until 12/29/08.
They have charged us a $29 late fee. We tried to clear this up by calling their customer service department but they would not assist us. We have mailed a formal disuput over the charges, but they have assessed another $15 penalty for not paying the late charges.

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10:34 am EST
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CareCredit late fee

GE MONEY BANK HAS CHARGED ME TWICE FOR LATE FEE'S, THIS IS DUE TO ME NOT GETTING MY STATEMENT'S IN ENOUGH TIME TO SEND PAYMENT TO THEM, THE 1ST LATE FEE WAS CREDITED, HOWEVER THEY REFUSE TO CREDIT THE SECOND LATE FEE BECAUSE IT'S WITHIN A 1 YR PERIOD. I FEEL THAT THIS IS NOT MY FAULT AND BELIEVE THEY ARE RIPPING CITIZENS OFF BECAUSE OF THERE STATEMENTS ARRIVING LATE AND THEN CHARGING THEM LATE FEE'S. CUSTOMER'S BEWARE AND AVOID GE MONEY BANK IF POSSIBLE. FROM THE OTHER COMPLAINT'S I HAVE READ, I SEE THAT THIS IS NOT UNCOMMON THAT GE MONEY BANK DOES'NT MIND RIPPING US CITIZENS OFF. I WILL BE SPREADING THE WORD ABOUT THIS COMPANY TO MY FRIEND'S AND FAMILY AND TO WHOM EVER I CAN TO AVOID DOING BUSINESS WITH COMPANY.

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Erika Washington
, US
Nov 03, 2010 5:22 pm EDT

I'm having the same problem with them and I ended up calling them to inform that they never sent me a bill in the mail and the lady whom I've spoken to, swore up and down that a bill was sent, that's a lie! I am so sick and tired of them, I regret that I'm involved with them and working on paying them off so they can get out of my life for good! I have other bills to pay besides them and their bill is unnesessary!

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4:54 am EST
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CareCredit bad service

Care Credit/ GE Money Bank has posted a charge to my account without my knowledge, approval or signature due to Arlington Family Dentistry charges that were not legitimate. Services were done without approval of patient, even after the patient advised them NO. Business has promised to issue credit to patient, however, instead they did not advised patient until after Care Credit/ GE Money Bank posted the charges. Care Credit and GE Money Bank was advised of the error, pending the dispute, however, they have not replied via E Mail or correspondence. When I received my statement, the disputed charge was posted on my account plus late fees. I had closed my account and advised themof the dispute. They have ignored me. I have telephoned them with no results, noone answers the phone, only a recording. Please give me advice or tell me how to solve this problem.

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Galina
, US
Dec 10, 2008 9:02 am EST

Care Credit/ GE Money Bank has posted a charge to my account without my knowledge, approval or signature due to Arlington Family Dentistry charges that were not legitimate. Services were done without approval of patient, even after the patient advised them NO. Business has promised to issue credit to patient, however, instead they did not advised patient until after Care Credit/ GE Money Bank posted the charges. Care Credit and GE Money Bank was advised of the error, pending the dispute, however, they have not replied via E Mail or correspondence. When I received my statement, the disputed charge was posted on my account plus late fees. I had closed my account and advised themof the dispute. They have ignored me. I have telephoned them with no results, noone answers the phone, only a recording. Please give me advice or tell me how to solve this problem.

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DaniSeucan
Staten Island, US
Feb 09, 2010 7:33 am EST

Hello,

Just as a curiosity, have you ever got to a resolution on these fraudulent charges? I'm having the exact same case as you ... however on my end I do have a proof in writing that this charge was completly unathorized and done in colaboration dentist-GE MONEY!

I'm filling complaints everywhere: "Office of the Atty General", "Office of Thrift Supervison", "ConsumerAffairs", the banks's Head Quarters offices, BBB - Office of Professional Discipline (against the dentist, this time around) and most likely will file a small claims suit to recover all my expenses with this nonsense.

Thanks

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Myriam
Los Angeles, US
Mar 15, 2009 12:43 am EDT

Hi, I had a horribly experience with care credit/ge money, I filed a dispute against my dentist because he made unauthorized charges on my care credit account
and also he made additional services without my approval, the scams continued because the dentist wants me to pay AGAIN for a crown that has been already paid in advance, he also scamed me several times on my dental account journal, this is a long history but after I submit my dispute papers, to ge money and I provide plenty of evidence, still they rule out in the dentist favor without collecting evidence from him and, I kept fighting with GE Money employees since last october until now but they just ignored my complaints, I kept writing them letters and they responded always with negatives and, finally this month of 3/09 they sent me the bill plus more than $1000 in finance charges, plus they told me if I don't pay in full this balance of $2860 plus the finance charges, they will charge me
over limit fee in the amount of $1117.
Ok, I already told them that I will NOT PAY THIS BILL, this dentist lied in his response saying that "ALL THE WORK OF THIS PATIENT HAS BEEN COMPLETED TO HER SATISFACTION" I proved with evidence that he didn't finished my dental work.
Ge Money can keep adding on my bill all the finance charges they wanted, they also can put me in collection, but I told them that I will never going to pay this bill.
I am determined to take this to the last consequence, even if my perfect credit get damaged, I still prefer that to pay this group of scamers.
It is ovious that they ruled out in the dentist favor because, the dentist give Care Credit/Ge Money customers and it is their convenience, they protect all the health providers, if any care credit cardholdler files a dispute which is my case, the cardholder WILL NEVER IS GOING TO WIN.

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gerri
San Mateo, US
Dec 30, 2008 11:31 pm EST

I would like to know how to tackle this obnoxious company. I was charged a total of over $300 in interest. I had attempted to make the last payment (interest free for a year). The online system allows you to make an automatic deduction, or a one time payment. I paid the automatic deduction to clear the balance, and on the next statement, this amount was only paid in half, and I was charged 225 in interst. I called immediately, and was told by the rep that he could see where I had tried to pay, and was told if I paid $211, it would be cleared. The phone was then disconnected, and I though it an odd amount as that would not clear the balance. I called back a few days later (as it takes almost 30 mins to get thru to someone). I was again, told that they could see the amount that was tried to be paid, but before they could give me the correct amount, the phone line was again disconnected. I tried once more, and yet again. It was very frustrating, and I was getting concerned about the due date, so went online and made anothter payment of $211. The bill came the next month, and there was more interest, and no deduction. I again called, and was told that I should have paid the amount by the first time I had called, and that all the interst was valid. I became quite angry at the operator, who then referred me some sort of "specialist". This person was even ruder, and hung up on me. I wrote a letter to the company, and then had a call a few weeks later from somene in customer service who was requesting payment. I explained that I was disputing things, and she told me that she would only take the payment of the amount that was not taken out the first time, ie, less the balance. She reassured me that while it was being diputed, that I would not have to pay the interest.
Wrong, I got the statement again this month, and even more interest. I called again, and got the same rude person who had hung up on me, and told me that all the interst was valid. I tried to get him to explain to me why none of the amounts were not taken out, and he told me there was no record of that. And of course, when I go online there is nothing either.
I have records of my phone calls only, the website only shows what was deducted, not what I had tried to pay, however, they seem to have access to this.
I don;t want to pay a lawyer, any advice would be appreciated. This company should be shut done, but not before being exposed.

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bajaskier
Fond du Lac, US
Dec 10, 2008 10:32 am EST
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Galina:

From similar past experience with these ###s, the only thing they understand is small claims court. Usually the threat of it will do. If not, follow through and sue them for harrassment. It will work!

Tom

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11:59 am EST
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CareCredit fees

when trying to make a payment by phone for $15 with a person, prior to due date, i am informed the payment wont be posted untill after due date and a late fee of $39 will apply as well as a fee of $15 for assisstance.
when trying to pay with the computer by phone, a $10 fee will apply for using service and a $39 late fee will apply because it will not post until after due date.
after having this account for years, today i see a finance charge of $137.33, supposedly for deferred interest on a promotional purchase, of which i was never informed of at the time of purchase.
when trying to utilize their website i also get the runaround.
i have been paying more than the minimum due to try and pay off this acct and have it close in good standing for my credit report but this is getting ridiculous.

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Quesadilla
Pittsburg, US
Apr 19, 2011 6:29 am EDT

I went to pay my bill and was thinking of just paying it off. When I got the statement I noticed I was being charged an account security fee which was the amount of the interest I also pay. I never was told about these fees. What do I need to do to get all these eronious charges revered.

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CSMCH
, US
Jan 14, 2012 9:57 pm EST

My payment was due on the 13th of each month. I attempted to make a payment on [protected] on line. It would not allow the payment to reflect on this date.. I had to choose the payment to be on the 14th of Jan. At first I couldn't understand why I was not able to select the 13th as a posting day. Then after looking at my statement, the statement states that payments must be in by 5pm Eastern time. I'm in Central time. So therefore they took my payment as a late payment fee. This is wrong, and this is why hardworking individuals get into the situations they do. This is a way for the company to basically state; "Well you were late with your payment." I feel a payment should reflect the day and time the payment has been made regardless of time zone the issuing credit company is in. If anyone knows of a class action suit against this company please post.

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12:27 pm EST
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CareCredit customer service

I am trying to contact this company and their customer service is closed on Saturday. I have never heard of a credit card company that didn't have some kind of way to contact them, but is only available Mon-Fri. I have gone on their website and there is only phone number, which is only good Mon-Fri. I have looked for email address, an area on website for questions about your account. THere is nothing, accept to call back on Monday. They attempted to take $50 payment by way of ACH which was way I tried to call..to stop payment. This is the worst customer service I have seen for a credit card company. Worst website, worst. You are out of luck if you a problem on Saturday.

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10:29 pm EST
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CareCredit unncessary credit denial

I have excellent credit (even did my own credit score to double check and it was in the top 5% (over 95th percentile) I have a good job and own my home with a reasonable mortgage (can pay it in one weeks pay) The home is worth 3x more than the mortgage value.

I was simply looking to increase my credit line with them from $1000 to $1500 to cover the expense of banking my new baby's cord blood. I can pay it up front but will loose the promotion of 12 months no finance charges if I do.

I was denied the additional credit and told I had to wait 7-10 days to find out why by mail. I am due to give birth any day. The person on the phone had NO compassion. And NO clue what she was doing.

I had an account with them in 2006 and paid every bill on time. I guess they don't like customers with good credit who pay thier bills...

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bajaskier
Fond du Lac, US
Jan 02, 2009 8:20 am EST
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You are better off being denied. Here is why:

a.k.a. GEMB, GE Moneybank, GE Money, CareCredit, Kwik Comfort, JC Penney Credit, others.

First:
Go to www.complaintsboard.com. Do a search on CareCredit, GEMB of GE Moneybank. You will notice they have a running scam.

1) Their offer is for interest free financing if the balance is paid in full after x-months, usually 18-24.

2) No matter if you mail in your payments, have autopay from your charge card, or direct debit from your bank account, GE will ALWAYS claim they did not receive your payment, or received your payment late. Why? Then they can add late charges! And of course, your last payment is always lost, therefore “you did not pay-off your balance in the predetermined time frame”. Then they try to collect a huge interest payment effective from the inception date.

3) You cannot contact the company via e-mail; they ignore e-mail.

4) You cannot get a response via snail mail; they ignore your letters.

5) If you are willing to sit on hold for 45-60 minutes, and punch in your account number countless times, you may be able to reach a person with a pulse. In most cases, the employees speak/understand English, but are not overly bright.

6) Said person will claim your payment was not received, or received late.

In my case, I had electronic records of every payment. I also paid extra every month. When asked that I provide the proof, I faxed copies of the electronic transaction records as well as e-mailed same. Of course, they "never received it" despite the fact that I was holding the FAX confirmation in my hand and looking at the e-mail receipt.

Advice:
1) If you have entered a contract with these scammers, beg, borrow or steal whatever
amount of money you owe them. DO NOT PAY INTEREST OR LATE FEES (unless
you actually were late). Send a CERTIFIED CHECK, RETURN RECEIPT
REQUESTED FOR THE AMOUNT YOU CHARGED less any payments already
made. Write your account # and “Paid in Full” on the check.

2) If you did direct debit or credit card payments, close the bank account or cancel the
credit card IMMEDIATELY AFTER the check has cleared or the withdrawal is
posted. They tend to post charge card debits almost immediately.

3) Save all your evidence should they threaten to come after you. However, they won't
because they would lose; I am telling you from experience. I threatened them with
court and was refunded all interest and late fees.

4) Check for class-action suits in your area; there are many going on nationwide.

Here is a letter another gentlemen sent to CareCredit/GE MoneyBank:

To Whom It May Concern:

The purpose of this letter is to file a formal notification of complaint alleging numerous violations of the Consumer Credit Protection Act (15 U.S.C. 1601) on the part of CareCredit, in that CareCredit, aka GE Capital Cons Cardco aka GE Capital Consumer Card Company. GE Capital Consumer Card Co. is a ""creditor"" by definition of 15 U.S.C. 1601-§103-f (Consumer Credit Protection Act) and therefore falls under the federal jurisdiction of the Federal Deposit Insurance Corporation (FDIC). GE Capital Consumer Card Co. has knowingly and illegally: - made a promotional offer of ""interest-free"" or ""deferred interest"" which, by its actions as enumerated below, it had or has no intentions of fulfilling, said offer falling within the definition of Section 226.2 of CCPA.

- levied late fees and finance charges when payments were actually received - and deducted from my bank account - PRIOR to the due date, - charged illegal and exorbitant ""account security"" fees without any form of legal disclosure or explanation as to what those charges may be, constituting a ""surcharge"" under sections 103 and section 167 of the Consumer Credit Protection Act (15 U.S.C. 1601), hereinafter referred to as CCPA. - has instituted retroactive ""terms and conditions"" without proper notification, in violation of § 226.7 of the CCPA. - has provided such ""terms and conditions"" in a format that appears to be a third- or fourth-generation unreadable photocopy consisting of print so small and faded as to be illegible, in violation of § 226.5.

- has made it virtually impossible for customers (clients) to contact them in a timely manner by failing and/or refusing to answer telephone calls for periods of up to 7.5 hours (by placing the customer on hold for such lengths of time) and by failing and/or refusing to provide any means on its web site of contacting CareCredit by email or any other means than an unanswered telephone line. - has acted to quash any meaningful payment inquiries by refusing to provide requested information to the bank upon which payments were drawn, in addition to failing to provide telephone-answering staff as alleged above. DETAILS: Application for the above-referenced account was made under a ""promotional offer"" (Exhibit A - promotional offer), which provided for no interest if the account was paid in full within 48 months.

This agreement was for the issuance of a ""medical credit card"" issued by GE Capital Consumer Card Co, 5300 Kings Island Drive, Mason, OH 45050, to cover dental (oral surgery) expenses in excess of that which were to be paid by the payee's dental insurance. The debt agreed upon was to be $1, 500.00. The first payment was due September 4, 2004 (Exhibit B - statement of payment due).

Payment was received via electronic funds transfer on September 2, 3004 and was deducted from the payee's bank account prior to 2 pm the following business day, September 3, 2004 (Exhibit C - email from USBank, formerly and aka Firstar Bank). The minimum payment on the above account is $45 per month. The defendant states that ""payment is due by 5 pm on the due date"" to ""avoid additional finance charges."" Payment was received and cleared well before that time.

Electronic funds transfer payments through USBank is guaranteed to arrive on the date specificied. This form of payment was chosen specifically to ensure timely receipt of payment, since US Postal Service delivery to and from payee's address is often very unreliable. In four years, I have had no problem with electronic funds transfers reaching their destination late.

The payee then received on Sept. 13, 2004 a ""late notice"" (which bore no postmark and was, in fact, bulk mailed - Exhibits D-1 and D-2 - envelope and late payment notice) claiming that no payment had been received, when in fact, it had. In addition, the payee was informed that a late fee of $35.00 and an ""account security fee"" of $23.25 had been charged additionally. In a document received Sept. 13, 2004, after the contract was entered into, labelled ""Account Security Debt Cancellation Agreement"" (Exhibit E), there is no mention whatsoever of any ""account security fee"".

Payee contends that this ""account security fee"" constitutes a hidden and therefore unlawful interest or finance charge, in violation of federal law. On that date, Sept. 13, 2004, payee attempted to call the phone number provided [protected]) and was informed by a voice recording that ""due to a high volume of calls"" there would be ""a lengthy wait time"". Payee kept the line open and was on hold for 3 hours 47 minutes before finally giving up, unable to speak to single human being during that time.

Additionally, the payee contacted the bank (Exhibit F - email) to notify them of the allegation by GE Capital Cons Cardo that no payment had been received, even though existing bank records clearly documented otherwise. USBank aka Firstar Bank responded to the payee on Sept. 14. 2004 (Exhibit G - email) that it was investigating the matter, then followed up with another communication - also Sept. 14, 2004 (Exhibit H - email) that ""GE Capital Cons Cardco will not discuss customer accounts with third parties"" and suggested that the payee call [protected] - the same phone number which GE Capital Cons Cardo will not answer.

An additional payment of $55.00 was made by the payee and received September 17, 2004 and deducted from the payee's bank account on Sept. 18, 2004 for the payment of $45.00 due October 4, 2004. No statement was received for a November payment, due Nov. 4, 2004; however electronic payment was made and received Sept. 29, 2004 in the amount of $100.00 (Exhibit I - details of USBank transaction printout), even though the payment due was $45.00. For the December payment, due Dec. 4, 2004, an electronic funds transfer in the amount of $100.00 was scheduled to be received Nov. 18, 2004, though the amount due was $45.00.

On November 12, 2004, payee received a statement from GE Capital Cons Cardco (Exhibit G - statement) claiming no payment was received for October and that a late fee of $35.00 had been assessed, as well as a ""finance charge"" of $106.64 and an ""account security fee"" of $22.38. The payee was also informed that the ""promotional offer"" had expired on an unstated expiration date, in violation of the agreement made and the promotional offer (Exhibit A). Also on November 12, 2004, the payee again attempted to call both toll-free numbers provided and was informed by a recorded message that ""due to a large volume of calls"" there would be a ""long wait time."" After 2 hours and 17 minutes, the payee again gave up, and on November 13, 2004, sent this document with a certified letter to the defendant.

In summary, payee has so far paid $400 on a $1, 500.00 debt and is informed the balance is $1, 563.13. All payments have been made and received before the due date. The payee asks for full restitution of the unlawful and exorbitant fees in the amount of $463.13 charged by GE Capital Cons Cardco, as well as all attorney fees and costs pursuant to this matter, and for full reinstatement of the ""promotional offer"" terms which were, and are, part and parcel of the agreement between the payee and GE Capital Cons Cardco.

The payee hereby notifies you, under the requirements of the Consumer Credit Protection Act. [15 U.S.C. 1601], that the aforesaid charges of $463.13 are contested for the reasons outlined above and that no such charges will be paid in the future. Payments will be made to repay the original amount of $1500, as contracted, in the time length necessary to avoid interest fees, per your ""promotional offer."" It is my intent to file legal action - as a class action suit if possible - and to seek full restitution and double damages as provided for in the Consumer Credit Protection Act

ComplaintsBoard
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1:34 am EST

CareCredit don't trust them! unbelievable problems!

We had an account opened in 2006 to pay for dental work. We paid the complete $1500 balance off in full ahead of schedule in 2007. This account was in perfect standing, no lates, zero balance and they hounded us to use the $1500 of available credit every month. So we didn't use it for a while but then our dog required emergency surgery and we spoke to carecredit on the phone and they referred us to a vet that accepted them for payment. My regular vet did not take carecredit. So they tell me on the phone on 10/28/08 that yes we had $1500 credit and get the procedure done at their approved vet, interest free for 90 days. I get to the vet and explain that all work is contingent on CareCredit and please verify it first. Well the receptionist just nods and assures me its all fine no problem. Then I come to get my dog after they do $1000 surgery and my card is declined! CareCredit then says they had closed my account back on 9/30/08 due to inactivity. They didn't tell me this the day before and the website didn't say anything but the opposite. In fact I had a print out of my account from that day 10/31/08 which said $1500 avail credit to use. Well they were idiots and so was the vet and suddenly since I could not pay them, my dog was held as ransom for payment. It took me 3 days of screaming before they finally gave me my dog back. CareCredit is still an issue to be resolved. I would never trust them or there website or there phone reps and supervisors. Worthless bunch of idiots. As for the vet, he lost all my respect when he could not see it was not my error. He was unreasonable and very uncaring. The care was substandard once they found out care credit declined it. They treated me like a criminal suddenly. I wrote them a check finally and got my dog back. They wouldn't discuss details of surgery with me, no aftercare instructions, no pain meds, not even the biopsy results that cost me $136. They charged me full bore on there kenneling and even for taking dog to potty. I felt that the receptionist should have confirmed the coverage as i asked her to do in the first place. They accept no responsibilty and carecredit is now claiming we can reapply for a new account. Not approved. Another glitch they can't explain. So after I got my dog back I put a stop payment on check. I hope the vet takes me to court. I don't want to rip anyone off but I felt they could work with me to settle the problem with carecredit. They are all unethical ruthless greedy and have no clue.

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concernedcustomerr
philadlephia, US
Jun 30, 2011 1:17 am EDT

Care credit customer service reps give bad advise. dont care about the customer.

I applied & got approved but wanted an increase so i was told start a completely new application with my co signer. i started a fresh application and hit the submit button my accident. i immediately called to cancel the app. I was then advised to reapply again with another fresh application. So this three application on my credit. After i got declined for the last on, i wondered if it had anything to do with me having so many accounts with them. I spoke with several customer service reps and non of them could answer my questions. Come to find out, they never cancelled the first one. So im think that is a reason why i am not getting approved for the one with the cosigner.

Its frustrating, bc now my credit is affected. I got declined and i think their advising had something to do with it. Theyvarent professional at all, gave bad advice and dont care about my concerns all while advising me in a direction that is messing my credit up. im frustrated.

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Marisa
New York City, US
Nov 24, 2009 8:46 pm EST
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Federal Trade Commission doesn't care. They are government hacks.

EMAIL this lawfirm: James, Hoyer, Newcomer, Smiljanich & Yanchunis, P.A.
TO: Kgibbs @jameshoyer.com

The tag line should read: Complaint against GE Money Bank for CareCredit- Deceptive practices

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cmorgan68
Scottsdale, US
Nov 24, 2008 6:43 pm EST
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I applied to CareCredit in Jan07 to cover orthodontic work. In mid-February I received a phone call from the CareCredit GE Money Bank collections department, notifying me that my account was past due. I told the customer service representative that the account was brand new and couldn’t possibly be late. I had not used the account yet and I had not yet received a statement. She verified my address, etc. I continued to receive phone calls from CareCredit collections dept over the next few weeks. I told them I still hadn’t received a statement and asked if I could view the statement online. They said I was not allowed to create an online id to view my statement since the account was in default. I worried it wasn’t really them, but a phishing scam so I refused to pay via telephone.
Eventually, I received my first statement. It was dated March 3, 2007. The account was delinquent and overlimit (with fees). Furthermore, my interest rate went up from 11.9% to 28.990%. I tried resolving the issue via letters and phone calls, but had to give in and pay what they demanded for fear of reporting to a credit agency.
Finally, I paid the balance in full and demanded they close my account. A year later, I received a letter from GEMoneyBank stating THEY are choosing to close my account and have reported it! I'm furious! It was MY decision to close that account!

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Laurie
Haslet, US
Nov 21, 2008 7:27 am EST
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EVERYONE that is having unresolved problems with GEMB needs to file formal complaints with the
Federal Trade Commission AND Office Of Thrift Supervision

GEMB abuses its customers and its processes for billing and payments are broken - to non existent.

They need to be investigated by the US Government regulatory agencies and the only way to do that is to bombard these agencies with complaints.

FYI - they are also cutting everyone's credit limits to only $100.00. So a lot of dept stores will lose a lot of Christmas business this year because of GEMB.

ComplaintsBoard
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5:34 pm EST

CareCredit intrest fraud

I made applied for this card through my vet. He did not make me aware that the balance needed to be paid in 30 days. I have my payments made automatically though my online banking system. I have always paid this bill with more than the minimum amount desired on time. As a got the statment after a 1 total year of the first purchase I seen there was a finance charge of $387 for the year. I spoke to a representative Nancy who told me I had one year the pay the balance or I would receieve a finance charge for the total year. I complained and explained how I always paid more then desired and one time. Nancy then told me she would credit the finance charge if the bill was paid in full for $512.24. I immediately then gave her my bank information to pay the balance plus a additional $15 surcharge for paying over the phone. A week has passed and the money still has not been taken from my account, I called GE Money Bank/Carecredit to ask why I still have not seen the money taken from my account. The representative then told me 'You did not call here. All our calls are logged into a computer and you have not called here in the past few weeks'. I immediately asked for a manager. I explained again to this manager that I have called a week ago explained the problem with the finance charge then complained that I gave all my personal bank information to someone they claim I did not speak to. I insisted to speak to a different manager. The manager was also no help. she was very rude and hung up on me.

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Agreived in NC
100 Hodges St, US
Dec 22, 2010 8:37 pm EST
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These are the most rude customer service people I've yet to request help from. They have a rudementary knowlege of their company and the operation of it's website. This website has inconsistancies such that one does not know if a payment has been made or not. The supervisory personnel are no more aware of the problem. In one instance I read to them what was on their website concerning my account and they all but accused me of lying.

GE Money US
GE Money US
Phoenix, US
Jan 10, 2011 9:54 pm EST

I'm sorry you're experiencing problems with your CareCredit account. We'd like to help. Please email me at gemoneycares@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 011011

For your security, please do not include your account number in your email.

Regards,
Nicole
GE Money

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DWAYNE CHANDLER
Sacramento, US
Apr 30, 2009 11:06 am EDT

I WAS SIGHED UP FOR CARE CREDIT BY MY DENTIS AND I NEVER
NEW A CREDIT CARD WAS INVOLVED I NEVER NEW ABOUT ANNUAL PERCENTAGE RATES OF 29.990% OR FINANCE CHARGES, I FILL LIKE I BEEN TRICKED BY THE DENTIS AND I DO NOT WANT NO PART OF THIS CARD I MAID SEVERAL PAYMENTS AND I STILL DON, T SEE THE TOTOL GOING DOWN.I, AM STUCK WITH LATE FEES I DON, T EVEN PAY LATE FEES ON MY OTHER CREDIT CARD.I WOULD LIKE TO PAY BACK WHAT I RECEIVED WITH OUT ALL THE EXTRAS. DWAYNE.CHANDLER@ATT.NET
ACCOUNT 6019*1830*1621*4637

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DWAYNE CHANDLER
Sacramento, US
Apr 30, 2009 10:49 am EDT

I GOT THIS CARD THROUGH MY DENTAL WORKER I NEVER GOT A CHANCE TO READ ANYTHING ABOUT LATE FEES AFTER 30 DAYS OR FINANCE CHARGES I MADE A FEW PAYMENTS ON A 1000 DOLLAR LOAN AND I SEE YHAT THE DUE BALANCE IS STILL OVER 1000 DOLLARS, I BEEN LIED TO AND CHEATED. I NO LONGER WISH TO KEEP THIS CARD PLEASE TELL ME HOW TO GET THIS LOAN PAID OFF WITH OUT THE USE OF THE CARD OR ANNUAL PERCENTAGE RATE OF 29.990%.ACCOUNT NUMBER
[protected] DWAYNE CHANDLER.EMAIL DWAYNE.CHANDLER@ATT.NET CELL [protected]
THANK YOU. DWAYNE CHANDLER.

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6:23 pm EST

CareCredit payments

My wife had her teeth done at AllCare dental and was offered a credit program through care credit .We have made all payments on time and they call us every day even on sundays.This has caused a problem in our relationship because she gets mad at them because they say payment not made and we have to argue about this.I have tried to call care credit myself and all the forien person will tell me is we owe whatever and there is nothing they can or will do to remedy this.Iam tired of this blantant disrespect for my concern and attempts to remedy this situation.We will be writing the attn. general, or any else we can about this.Anyone else want to be i
involved in this please e-mail me at [protected]@yahoo.com.

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G. Marshall
Modesto, US
Aug 27, 2010 1:07 am EDT
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I JUST signed up today for Care Credit and was given a copy of papers I signed, and the finance papers which I didn't sign. I went home and read them and found they were going to charge me 22% interest.
I tried to cancel immediately (within 12 hours) and I can't get a live person on the phone. The credit card number was not valid in their system.
I can't find a Fax number so I can notify them of my cancellation. Since I only have an income of $845.00 a month they should not have offered me a credit card for $6, 500.00.
My medical doctor reviewed the paperwork and tests required and said it was bogus. and if they were legitimate blood and other tests an insurance company would pay for it.
I am posting this in hopes of a quick resolution.

G.arshall

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valinda679
Pomona, US
Oct 19, 2009 3:45 pm EDT

i fully agree. I completely paid my bill off in full on time and then they run my credit and see two credit cards with a higher than normal (whatever, they weren't even a fourth of the limit) and they write this big long letter that due to this they are cancelling my card. which would be fine with me but they smeared my credit in the meantime. my husband also has an account with them and at last bill which was months ago it said a few hundred left. then one day they stopped sending bills and closed his account same reason. but they wont tell him what is owed and they keep taking every month from our account. the bank won't stop payments because it is contractually sound until we get a letter from them stating we no longer owe. but we cant reach them and no bills get sent. ugh i am so ticked.

so I say you go and nail them hard.

-V-

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jeff markley
Rochester, US
Jan 22, 2009 10:49 am EST

YOU GO GET- EM, WISH U LUCK !

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Bob
,
Nov 14, 2008 10:06 pm EST

You are correct- Care Credit is as close to a payday lender as you can get. Good deal for doctors/dentists BAD deal for patients. STAY AWAY from CARE CREDIT!

CARE CREDIT is TERRIBLE!

ComplaintsBoard
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8:49 pm EST

CareCredit poor customer service

I disputed a payment back in Sept. for this company then I made a payment in Oct., their associate put in the wrong acct# and the payment was returned for invalid acct#, talking to 5 different associates and managers, i finally had some fees removed. But, they are don't work w/you at all and they don't care about you as a customer. When I made the payment in Oct. and it returned for invalid acct# they telling me i need to get a diff acct# to use for them or have my bank make the payments to them. I have always been a good customers of theirs and since this happened I can't make payments online due to their mistake. This company has really caused me alot of phone calls to them and to by bank. They don't care what happens to you, and they put you on payment restriction due to their error but want hold up to the mistakes that they make. I don't recommend this cc company at all, they are not worth a ###.

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Laurie
Haslet, US
Nov 05, 2008 7:36 am EST
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GEMB believes all of its customers are stupid! This was probably deliberate to increase fees and interest they can charge.

Violations of the Fair Credit Billing Act and Fair Credit Reporting Act. File formal complaints with the Federal Trade Commission and Office of Thrift Supervision. Its the only way to get GEMB to correct their errors.

They refuse to acknowledge - let alone correct the mistakes they make. And they will RIP YOU OFF every chance they get aswell as RUIN YOUR CREDIT!

Not processing payments correctly is one of the biggest complaint I have seen on the boards.

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6:25 pm EDT

CareCredit harrassment/fraudulent fees/lies

I spoke to a Carecredit representative about overdue bills made by my daughter on a dental loan I co-signed. Carecredit was calling my home 4-5x a day everyday. I have very good credit and didn't want this account to reflect badly on my credit report.
An agreement was made between Carecredit and myself. They put me on their "hardship" accts. The agreement was $27 min payment for 9 months with no late fees or financial charges accruing. The agreement was made on Oct 2, 08. They accepted a payment of $50 on Oct 7. I rec. Nov, 08 bill and there is a late fee of $39 and finance charge of $65.47. In addition I have been rec. daily harrassing phone calls. Carecredit now claims the acct has 4 payments in arrears and want the amount of $420 immediately. When I spoke to their rep and made the agreement NOTHING was ever mentioned of arrears or that I would have to pay them up front.They are lying about their billing cycle and when they rec. my payment, which I have bank documentation to back up when they rec. my payment. They don't read emails or snail mail. All of the representive calls are outsourced to the middle east whom you can't understand. They are rude and nasty and talk over you in a loud voice. They broke their contract with me and the harrassment continues. I don't know where to go or whom write to make a complaint or to straighten this problem out. HELP!

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10:04 am EDT

CareCredit charges??

I paid ahead of schedule as instructed and not only paid off in time, but paid an extra$100 trying to pay within the time frame I was supposed to. I knew within a day I'd paid too much. Got a bill with balance $23.06 yet have a credit of $70 something now! I still do not understnad the finance charges! I have proof of payment dates. CareCredit employee could care less! Very rude! Now...I wait to see if they actually return my overpayment because as I looked up a website for CareCredit/GEMB, all I saw was a page of complaints against this company! SHAME ON CC!

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Laurie
Haslet, US
Oct 28, 2008 12:05 pm EDT
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GEMB violates the Fair Credit Billing Act - you have to report them to the government - or they will continue to ignore you

File complaints with the Federal Trade Commission and Office of Thrift Supervision.

You can find the Fair Credit Billing Act on the Federal Trade Commission website.

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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Use this comments board to leave complaints and reviews about CareCredit. Discuss the issues you have had with CareCredit and work with their customer service team to find a resolution.