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.
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.
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.
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.
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.
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.
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...
We had an account opened in 2006 to pay for dental work. We paid the complete $1500 balance off in full ahead...
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.
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.
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 ###.
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!!!
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!
I tried to make a payment online which was different than the monthly minimum payment...it did not go through b/c I did not turn off the auto pay feature, however, they could see that I attempted to pay...I called to request they defer the interest that accrued b/c of this mistake. They sent me to the "escalations dept". I spent over an hour on the phone and they were rude, mean and certainly not courteous...they would not waive the interest even though they could see what had happened...this is an awful company with no regard for customer service...I will never use their credit card again. They would not connect me to anyone to voice my complaint either...I tried calling more than once...there is no email contact either...shockingly terrible...never use them!!!
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Care Credit does not consider triple payments each month as pre-payment and will ding you if you miss a monthly payment... even though you may be paid up several months ahead. Example: your monthly payment may be $67.00 and you pay each month $201.00. By logical reasoning, you're three months ahead, right? Wrong! don't skip the next months payment! They're wonderful people to deal with... Credit Care is a company sponsored by GE Money. My name is Frank and it isn't raining today. Good, I'm near 100 words... ok, ok, ok. ok.
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