CareCredit review: get rid off! 49

I agree with you on the handling of Care Credit's customer service representatives, who are completely rude and unwilling to help the customers. I recently had a problem with the company that caused my lateness of payments, and I explained the situation and asked that they not charge my finance fees, as I had not been receiving my bill. They refused to help, so I asked for the next person in line and she was more rude than the peon I originally talked to.

I was completely upset, not only at the fact that the company was willing to help, but that their employees were arrogant, rude, and unhelpful. Everyone told me to let it go, after all the finance charges were only about $35, but I felt completely ignored and unappreciated as a customer. And I do not believe that companies that don't appreciate their customers should be in business. They told me to write a complaint, but seeing the degree of their willingness and helpfulness, I did not believe their "complaints" department would side with me. So I made a complaint to the Better Business Bureau. Guess what? The BBB was able to help me get what I originally wanted. I suggest you, and anyone who has a complaint file one with the BBB. I see that mine is the only complaint lodged with the BBB, but there are several people online who are ranting and raving about them. Perhaps more complaints to the BBB will make the company think about they way it operates and the people they are hiring to do their bidding.

Funny...As I read these stories, I see that I do not stand alone. I also went to a dental office and was introduced to Care Credit/Gemb by my dentist. At the time (2004), I had no insurance and I was in need of dental work. I was told that this company would defer payments for 6 months so quickly I applied and was approved for $3,000 (total cost of dental work). I made monthly payments and paid off my account before the 6 month period. After the 6 months, I get a letter stating I owed Care Credit approx. $114.00 for insurance (Insurance I never applied for). I contacted Customer Service and explained the situation. I was told that a form would be mailed to me to dispute the charges. And despite of the lengthy phone calls and submission of the despute form, they refused to credit my account indicating, "I was unable to dispute an account if the account had been paid in full". I argued with the person and inquired, "then why am I being charged?" He gave me no real explanation other than I was being billed for insurance and it was my responsibility to pay it. Needless to say, I never paid this balance and yes...my credit suffers because of this one negative item (now $717.97 of late fees, I assume) on my report.

I went thru a similar deal with care credit/gemb . i went to a dental office,for some new dentures. They opened me up a charge account from there office, which my limit if i remember was $5000.00. I never got to see if the teeth he sent off to be made, were teeth i would accept. I had never dealt with this doctor before.which when he got the teeth back to his office, they were horrible,i put them on,they didn't fit, they made my mouth sink in like i had no teeth... i didn't in no way want the teeth he had someone make for me. When i refused, i seen he had already drawn out the $5000.00 from the credit i had opened with care credit /Gemb.he used the account number they had given the receptionist for me to have over the telephone the dentist drew from the account, the exact amount they had give me for a credit line. I had not even received my credit card thru the mail at that time... i raised cane in his office until he refunded 4000.00 back to my card. But care credit made me pay for what work the dentist did in the farming of the dentures. Which were thrown in the trash.care credit took the dentist side... the only reason i got the 4000.00 returned back to my account, the dentist knew i was a cancer survivor, i had no voice box, it had been removed, so he didn't think that would be good advertisement for his clients to see a 64 yr old lady getting upset because he drew everything from her account without her permission... i paid for what they said i owed an closed my account. I am fixing to have reconstruction cosmetic surgery, an have been running all this thru my head, after i read other peoples tragedy's with care credit GEMB... i only want to be charged for what i worried, i don't need a supervisor threatening me with my credit record.an charging me some outstanding bill i don't owe!

I used care credit and have been faithfully paying each month, on time to use one of their promotions. I set up automatic payments through my bank, and was told the amount that should paid each month. Little did I know that the amount left a mere $25 on my last bill. Needless to say, the promotional period passed 5 days ago, and I get a bill for the $25, a $25 late fee, and over $700 in interest on my ENTIRE bill. I called, was extremely calm (unlike these people who apparently work at care credit have characterize callers), and got nowhere. They agreed to waive the late fee - freaking do! I will pay the late fee because, I agree with you, it was late - but it is beyond comprehension and terrible business to not help me out on the interest when I've made my payment each month on time. The last woman that I talked to said "I'm sorry, but I am not going to help you out when it's not my fault you made a mistake and I can't believe you would expect me to help you when you've had 18 months to pay this off." As if I can't afford $25! THAT is not the problem. I have never dealt with a company so unwilling to work with its loyal customers. I will tell everyone I know about this and to NEVER use Care Credit.

Care Credit/GEMB added Account Security credit insurance to my account without my permission or knowledge. They refuse to credit my account, despite at least 4 phone calls and a written dispute. I sent them a copy of my original credit application, which clearly shows I did not sign up for the credit insurance. I would like to find others that had this happen to start a class action lawsuit.

Debbie.

If I gather enough complaints from googling "Care Credit" I will submit this to the Better Business Bureau, Bay News 9, and 98.7 station and make Brock gets released from this company. I understand that he's getting pay Supervisor Salary to take the heat but he's doing a horrible job, I've been in customer service for 15 years and I've never provide or experience such svc. Instead of trying to figure out what's happening to improve the system the place Brock in place as a patch to the problem.

I cosigned a loan for my brother to get emergency health care. Although I was a cosigner, GEMB never sent me any information on this loan, nor apparently the credit cards which were issued with this account.He did make some payments on this account.

My brother moved from Fort Worth to Austin and did not receive statements. He attempted to make web payments and phone payments and they didn't go through. He tried to get hold of a customer service rep and spent over 3 hours on hold multiple times. I knew nothing of the problems that he had.He was apparently short of funds and did miss some payments.

All of a sudden one of my lines of credit was frozen. The bank stated it was due to my credit report having a default.When I checked, there was a nonpayment with GEMB.I have been trying to get hold of a human being to speak with at GEMB for 2 days. It has taken me hours to speak with anyone. I got one number from a website, it was India, Hyderbad. The person directed me back to the GEMB number [protected]. I waited for at least 20 minutes then someone answered from Hyderbad India once again. She transferred me to yet another number, it had been 1/2 hour of continuing to hold for a customer service representative. I have 3 battery operated phones all of which have lost their charge. During and after finally reaching a representative.

When I finally got hold of a representative and explained the situation, he stated that despite the fact that I was a cosigner on the loan, when the loan went unpaid, they had no obligation to contact me to inform me that there was a problem with the loan.They had sent me no information at any time regarding the terms of the loan, the loan origination number, nor any credit card that was used on this account. I didn't even have knowledge of the account number.Apparently all of that went to my brother.So despite the fact that they held me legally responsible, at no time did they send me any information nor inform me that there was a problem with this account.

After 1/2 hour of speaking with Mr Allen, I finally had him transfer me to his supervisor Ron Hess, who informed me that my brother had told them to stop harassing him at work which had caused them to send the account to an attorney. Apparently they had repeatedly called him, yet not once did they ever attempt to get hold of me. Now this is on my credit report and although I have tried to deal civilly with this company and pay off the bill they have refused. They refuse to remove this from my credit report.

I attempted to deal equitably with them and completely pay off this loan, and they refused to come to any reasonable solution. They stated that it had been turned over to an attorney.

It seems to me that if they could repeatedly call my brother and harass him, they should have had some legal obligation to notify me as cosigner that there was a problem with this account. There contention was that I should have checked the account which I had no way of doing as they never sent me any information on the account so I did not even know the name of the company, nor the line of credit, nor the account balance.

I happen to know that Brock knows the policies, concerning Care Credit, inside and out and is very direct. So yes, by him being stern and telling the customer exactly what the policy states some card holders get irate and may take what is said in the conversation out of context. Some people only hear what they want to hear, and if it’s not what they want to hear then blogs such as this one get posted. But did Care Credit have to finance the procedure causing these outlandish accusations? NO.

Any person who has worked in a call center or calls into a call center knows that each call is recorded so if Brock called this person all these names, he would have been escorted off the premises. But guess what he wasn’t, so obviously these are colorful words added to an otherwise plain story. Also there are managers stationed all around, so if they heard this he would have been reprimanded immediately.

On the other hand if any person is financing anything thru ANY company they should be fully aware of the terms they are agreeing to. You are signing a contract after all. It’s a tough break when, even in instances like this story, the agreement is not followed and the terms default. Ultimately you get something financed and don't follow thru with your agreement there are repercussions... that’s life and that’s a contract.

This is a classic reason why companies offer protection plans like Account Security so no one has to go thru what this man has experienced... I know it pays off any balance on the account in full up to 10K in instances just like this. So tell me Care Credit doesn’t Care. Be honest with yourself.

Sometimes words are misunderstood and misinterpreted, in this case the young gentleman Brock was taken out of context I am sure. Because if a care credit supervisor did call a card holder names like that he would be reprimanded immediately. I think people need to understand that people are just doing their job, its not personal, but we all need to make money and support our families and when you work at a big center like care credit as a supervisor and every other caller is screaming at you for something that is not your fault or the companies fault it is tough to handle, but I know Brock handled it better than that