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Care Credit Complaints - Sneaky little rules!

Review all Care Credit complaints

Care Credit

Posted: 2007-08-20 by Rachel Lemmonds  [send email]
Sneaky little rules!
Complaint Rating:  100 % with 86 votes
Company information:
United States
CareCredit.com

I paid care credit on time every month, so I was pretty surprised when I found out that late payment charges of 29 dollars was being applied to my bill each month. I called Care Credit and they explained to me that any payments made the during the first 5 days of a month are counted as payment for the last month. Because I made each payment at the first of the month, I was penalized! I do not feel I was adequately informed of this rule. By implementing this policy, Care Credit managed to gain 87 extra dollars from me. I can only imagine how much money they are making off the rest of their customers with this sneaky little rule.
Comments United States Business & Finances
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 60 days ago by   CharleyR 0 Votes
Stay away! They will fleece you and make your life a living hell!
 60 days ago by   CharleyR 0 Votes
Stay away! They will fleece you and make your life a living hell!
 73 days ago by   Azul200622 0 Votes
I am going to but the promotional offer which is supposed to pay your balance in full in case you have an injury or loose your job and you pay $1.50 a month for every $100 dls. owed, I just wanted to know if anyone has used this and after loosing their job and if it's not a scam due to all this bad service they provide...
 88 days ago by   nahonix 0 Votes
I went in for Lasik surgery 2 years ago and my total $3, 400 for the surgery. I had the money to pay all up in front but people there recommended Care Credit for a 24 month no interest plan. Sounded great to me! I made my payments on time every month by paying online! So after 2 years I made all the payments and on the 25th month they added $1100 to my balance. :0 Those BASTARDS! They could feel me ferocious anger over the phone when I heard that happened! I could have just paid off the balance but there was no warning and this fine seems so ridiculous! I mean I could have used my credit card and got a better interest rate. As a money fanatic I hate interest! That's why I went ahead with this in the first place. If I could do it again I would have just paid for my surgery outright instead of dealing with these retards!
 177 days ago by   Mavrik028 0 Votes
I paid my monthly bill with CareCredit on the date it was due. I checked my statement on-line a week later only to find a $40.00 late charge tacked on. I talked to a customer service rep who said that the due date was on a Saturday and they don't process on Saturday. And why was I paying my bill on the last day of my billing period anyway? I got nowhere with this moron. The only alternative is to file a complaint with my state's attorney general for consumer affairs. Don't use the creditcare service unless u like rotten service and usurious interest rates and who knows what other fees are lurking. Even though I paid my bill in advance and on time I was still late!
 205 days ago by   Judy Pharo 0 Votes
I will join any and every effort to bring this company down! Their policies are usurous and in my opinion, criminal. I was trying to help my daughter-in-law with this account. In the past 12 months I have sent in more than the minimum required, even during my evacuation out of Galveston due to Hurricane Ike. I thought I was way ahead of the game of paying off this debt. Much to my surprise, after paying a grand total of $1741 on the initial bill of $3400, my balance was only reduced by $235! I had an agent act on by behalf to try to negotiate a way to resolve all the "late" fees and paying too early fees, etc., to no avail. I plan to pay until I reach the $3400 which was negotiated in the beginning and then try to sue in the small claims court here in Galveston.

Anyone know of any attorney who would be willing to file a class action suit against this "bottom-feeding pariah" please let me know and I will join.
 225 days ago by   dbwn 0 Votes
I have had Care credit for about a year an a half now. I have always paid on line and have never had a problem. To the person who says you can't pay more than minimun do on line i have never found that to be true. I alwas pay at lest 100.00 a month and in march I paid 400 (income tax back) without a problem. I also have never had a problem contacting a customer service rep. I see that most of these comments are older so maybe they have made some improvements. All I know is I have not had a problem as yet. Owe 399.00 dollers left and should have paid off in May. Hope my experince with them rings true.
 230 days ago by   M H 0 Votes
I applied at my dental office. I didn't receive any credit card. or any statement for the 1st billing cycle. It has been almost two months now so I tried looking up the Carecredit websites and found GEonlinepayments thing. I was already charged a late fee, plus I found out that the address on the account was all wrong (no wonder I wasn't getting any mail from them). I called them and told them that I have this application in front of me which I had written in the dental office which clearly states my correct address but they still had it wrong. As of now, they waived the late fee that was charged, but I still don't see any statements and credit card for the next billing cycle.
And yeah, the agents on the phone are kinda rude. They rush your conversation with them like they don't want to talk to you.
 262 days ago by   tflashgcr 0 Votes
Do not get the GE care credit. It is a scam. I am in the same boat. I had dental work. Got the CC. Once I made the 3 months payment ON TIME: They switched the due date without telling me. Now I have 2 late fee charges. Where is the news media on this? Someone should care they are ripoffs. I called and told them to cancle my account. I am transfering my ballence to another card. Hope they dont screw me if i pay them the balance of the card. Wow. anyone help or any one going to court on this?
 282 days ago by   theprof 0 Votes
On my previous comment I forgot to add: "...and those trusting or unfortunate enough to be taken in by yet another scam posing as something that is the opposite of what they claim to be."
 282 days ago by   theprof 0 Votes
This company Carecredit is being pushed at me by a dental firm that told me despite my insurance I had to pay over $1, 000.00 for deep cleaning in 2007. Since I'm not privileged enough to do that, I had to wait. Now Monarch wants over $2, 000.00 and until then, they won't even give me a basic cleaning. So, we're going to Canada in Summer or south of the border in Fall and using that money ourselves instead of giving it to the "I Don't Carecredits", the Madoffs or any of those other sonofaguns. Why should they go on vacations with MY money! Thanks for the financial education; it only requires that the lights be on and an ability to count on one's fingers to know what's best for me, but apparently it's not Carecredit. You know one reason why some 'Americans' disparage our neighbors to the north and south? It's because they, like many civlized nations try to provide healthcare for all their citizens, not just the wealthy or the stupid ones.
 285 days ago by   tkopit 0 Votes
Thanks for everyones input. My pitbull just had surgery the other day and the vet has offered me to use care credit. I think I will just go to the bank and get a personal loan to stay away from the headaches. On another note my mom works at the vet where my pit had surgery and I asked her if people have complained about care credit. She said no and that she has personally used it to pay for my sisters braces. She says she has had absolutly no problems in 1 -1/2 yrs she has used them.
 296 days ago by   rgemstone 0 Votes
I agree that the Customer Service through GE Money Bank [Care Credit] rude and ignorant! I have tried unsuccessfully several times to make a payment to them online and all you get is a run around. They make enough money on their high interest rates and APR and there is no way I'll pay a fee for paying by phone. If they continue to call you at your employment, send them a certified letter [ return reciept] requesting that it stop. After doing this they continue, send a copy of the return reciept and your letter to the Kansas Attorney General. This is where GE Money Bank's Corporate Office is located. Attorney General's in states where GE has branches such as billing lack authority and therefor will refer you to the Attorney General in the state where GE Money Bank's Corporate Office is and that is in Kansas.
 332 days ago by   Dawn 0 Votes
Although they were there for me when someone hit my cat with their car, I have experienced nothing but poor customer service and dirty tactics. They have called me at work twice- which I think is completely unprofessional- trying to get me to pay a measley $70. I have tried to go on their website to make payments and get sent in circles. I already use GE Money Bank for other home loans, and the customer service staff for that company are rude and nasty. I had asked for specifics on an upcoming billing cycle and the lady that was "helping" me- after holding for 45min on my cell- was condescending and excuse the verbage, but "ghetto" with me while she was trying to be a smart ass. When I have explained to them that my company changed pay dates they were less than understanding and not willing to work on an alternative payment plan. They have told me that if I pay late then they will terminate my "Promo/ Deferred Interest" Plan- and I say "FINE- DO IT!!" Every time CareCredit calls me at work I can not understand a word they are saying- probably contracted out of the country. And have told them to never call me at work and hung up on them. The company I work for is a Gyn surgeon and a medical day spa and we assist our clients in getting set up with CareCredit all the time, but I don't think that I will be suggesting them anymore, as my experience with them has been horrible. I really care for the patients at the clinic as well as our spa clients and would feel really bad if I knowingly set them up for big time trouble and harrassment.
 358 days ago by Katharine Gates  [send email] 0 Votes
These people are total CROOKS!
I wanted to pay my lasik surgery in full the day I got it. I did not want to take credit at all, but the &%$#@ doctor insisted.
One month I did not receive my bill from CareCredit. I think they purposefully didn't send it at this point. I called them about it and they said "no problem", just pay the monthly amount and we'll waive the late fee. Apparently ever since then I have been accruing interest for that missed payment on my "no interest" loan. But no explanations on the bill. Suddenly, this month, I owe them $400 in accrued interest on this no-interest loan. They are completely inflexible and unreasonable. I have offered to pay the principal in full immediately to get them off my back and they said there will still be charges.
Count me in on any lawsuits.
 364 days ago by Sandra Andersen  [send email] 0 Votes
You guys are scaring me. I have NEVER been late with any payment. I just put $11, 000. on this account for my husbands dental work with Gilani.
Last month was the first payment and I assumed I could pay it online like everything else. So I put it off until a few days before due date. Can not even get on their site. I finally called and was told it would be a $29.00 fee for making it over the phone and it was too late to mail. Get this, she said the payments had to be made after 1:30 in order to be posted that day. I said do it and guess what it just turned 1:30. Well I had to pay it. They waived the fee and that's all I know so far. As soon as I can I will transfer the balance to another card. Thanks for all of your testamonials.

Sandra
 367 days ago by Lydia  [send email] 0 Votes
I want to pay off my care credit also. I was charged $39.00 a late fee and my due date has alway been on the 19th or 23nd of the month, and now it's the 16th and they didn't even tell me. They just changed me a late fee, and d I am very upset.
 379 days ago by Dana  [send email] 0 Votes
FYI for everyone. My dentist gave me a brochure for Care Credit and I did some checking. This is thru GE Money Bank who is owned by GE...General Electric Company. That's right, GE who we have grown up with.
I remember hearing about Care Credit last year in conjunction with a weight loss program (can't remember which one) and the fact that they were adding ridiculous charges to their account and it was virtually impossible to get this cleared up.
I've tried to find on the BBB, but have had no luck. So, I think I will pass on applying for this card for my dental needs.
 382 days ago by Stacy K  [send email] 0 Votes
I also got scammed. The one girl Sarah was very nice. On the other hand Stephanie in the next level where I wanted to talk about my finance charge was very rude. I will NEVER use care credit AGAIN!!!
 390 days ago by Laurie  [send email] 0 Votes
IF YOU HAVE BEEN SCREWED BY GE MONEY/CARE CREDIT OR ANY OTHER CREDIT CARD WITH GE MONEY
FILE COMPLAINTS WITH THE FEDERAL TRADE COMMISSION AND OFFICE OF THRIFT SUPERVISION.

VIOLATIONS OF FAIR CREDIT BILLING ACT.

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