Complaint Rating:

Good God! I thought I was the only one that had a horrible experience with these scumbags. It's like this. I signed up for Care Credit to pay for some medical bills I had. I arranged to pay my bill online, as this was the simplest way of keeping track of everything. Two months in, my bank account info was stolen, which forced me to close out the account I signed up for with Care Credit. No problem, they said. Just give us your new info when you get it, and all will be right with the world. Great, I thought, a credit card company that actually cares about their clients.

Ha. After reestablishing my bank account, I submitted my new info to the Care Credit website, and, away we go. Not so fast there, ace. According to them, my bank account info was wrong, they couldn't get payment. Not so bad, I hadn't used up all my credit, so they just added to my balance so they could collect more interest. This was in spite of the fact I was looking at my online statement while speaking to the CSR and it clearly showed that I made payment on the due date. It took them a WEEK to determine that my bank info was wrong. Ok fine, simple mistake, these things happen.

But wait. The next month, it happened again. Then again, then AGAIN. For some reason they stopped sending me bills through the mail, even though I never asked them too. I spoke to a customer service representative that will most likely never achieve the final stage of nirvana with the attitude she had, and in her broken and heavily accented Indian-ish that they could not take the money out of my account due to a transaction error. In an effort to expedite the situation, I stupidly gave them my checking numbers over the phone (which I may add, sounded a smidge more advanced than two tin cans and length of string), and hoped that would be the final, ultimate end to this nightmare. Again, not so fast there.

Long story short, the CSR entered in my bank info wrong, and I got charged for their mistakes. When I finally got the correct number to call to speak to someone about my plight, I got a relatively nice person that calmly explained that in spite of the terrible customer service I received, in spite of the mistakes THEIR OWN EMPLOYEES MADE, in spite of the fact that I had made every reasonable effort to pay this bill on time with the correct funds, they couldn't correct the situation, and that the $145 dollar a month finance charges I had to pay were mine to deal with. Due to late fees, charges and whathaveyou, I now pay an APR of 30%, my credit is wrecked and there is not a damn thing I can do about it. I understand that they have a business to run, but a simple online check to verify the correct account information on their end would have saved me almost $700 in banking fees.

I have never had to deal with such deceitful, underhanded business practices. Rest assured that I will never have anything to do with this company ever again, and will recommend that no one else do business with them as well. If anyone is getting together a class action, count me in!