debpena
map-marker Medford, Oregon

Horrible Customer Service. Rude and Unprofessional. Hangs up on customers.

I telephone Care One Credit after receiving a late payment notice via email. I had made a payment the week prior and had received an email confirmation of my payment. The representative I received, who would only tell me her name was Erica, was rude, abrasive and unhelpful. I told her I had made a payment and could not understand why it had not credited to my account. She replied, "no you didn't!" I was shocked by her demeanor and replied, "excuse me?" Erica then went on to tell me that I never made a payment and she would have seen it if I had. I asked Erica if she could take a payment over the phone so I could ensure the payment was credited this time. Erica stated, "I'm gonna charge you a $15.00 payment if you pay it over the phone." I replied, "but I already paid it online and have an email confirmation saying such, clearly your online server is not working properly." Erica replied, "It is working!" I then asked Erica her last name or employee number which she refused to provide and threatened to hang up on me. WOW! DON'T EVER GET CREDIT THROUGH CARE ONE CREDIT! IF YOU EVER NEED CUSTOMER SERVICE YOU WILL BE LEFT IN THE LURCH!
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Anonymous
map-marker Salt Lake City, Utah

Raised interest, harrasing calls

Carecredit claims to be am American company. Then why does it outsource it work to migrant worker. Their company make calls with these worker. You can't understand half of what they say. I ask if they were American citizen,they were not. I ask to speak to an American, they could not provide one. They have raised my interest rates to 30 percent because I lost my job and got behind on my payments. They put me on a hardship program, only to find out that my smaller payments were all going to interest. This is not good business practice. Hire migrant workers for less pay and charge out of work Americans more interest to pocket more money for themselves. What has the businesses of America come to. Cut throat, make a buck, at anyones expense? The more Non American worker that are hired each day put people like me out of work. Then we get worked over by business like this. What are we to do?
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Loss:
$2400
3 comments
Guest

I know of many people who are going through the same situation. There is a company that offers up to 60 months medical financing with a fixed interest rate.Here's the link: www.CheckFactor.com/netnurse.html

Guest

i agree with your complaint about care credits business practices. they are not at all interested in helping people and have the worst customer service.

Having you debt to them go to collections would be a good idea because im sure most collections agencies will not charge you as much in fees and interest as care credit does. However with my experience with care credit they are more likely to just hold on to your debt rather than transfering it to a collections agency because they want more money. Like most major corporations and credit companies care credit is full of greedy people who could care less about the hardships that many americans are encountering. Even people who make more than the minimum due and make their payments on time are being screwed.

Care credit wants people to have a hard time paying their debt with them and for a lot of the people who arent having troubles paying what they owe, care credit finds a way to cheat them out of more money. And keep in mind that no matter who you speak with, none of their employees are going to help you. None of their supervisers are willing to do anything in their power to help get your debt paid. The only thing anyone can do is find a loop hole around their shady practices and somehow gather enough information about their legal rights to determine whether or not what they are doing to people is in fact legal.

I strongly believe that they are illegally cheating some people out of more money and nobody can do anything because most care credit card holders think that care credit has the legal right to do the things that they are doing. I will do anything and everything i can to get to the bottom of this companies shady business practices. Not just for myself and the *** they have pulled with me but also for the many americans out there who are also having problems with this company. Anyone who wants to help me get the justice we all deserve send me a message on my face book page.

My full name is rachel rabago. I need all the help i can get

Guest

...exactly! They don't deserve to have jobs.

Or at least that's what it sounds like you're saying.

Also, the favor to you is not putting the account in collections and ruining your credit score. The favor of a hardship program isn't to lower the amount you owe them It's common sense that it's just going to interest so stop complaining about everyone else not deserving jobs, and go get one.

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Kristofor Dvz
map-marker Berkeley, California

Buyer Seriously Beware

CareCredit appears to be a legitimate credit card company but they have some seriously unethical practices. We signed up for a small amount of credit for a dental bill $800.00 and signed up for a re-curring monthly payment plan on the same day each month. They site says that we have made payments with 'success' for the last 7 months. When we finally got a paper statement, it turns out that after the second month, they changed the due date (without prior notice) so each consecutive month each payment was late - thus invalidating the 0% interest free for a year, plus a $40.00 a month late fee. I defy the company to show us on their website anywhere it says that they changed the due date or that we were incurring late charges. We will be filing in small claims and I believe we will win.
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Loss:
$160
4 comments
Guest

I have had a CareCredit account for 8 years, have charged and paid off several thousand dollars in different dental procedures and vet bills during that time. As long as you pay off the amount due (NEVER go by the "minimum" due, use your calculator!

before the expiration date, it is the best method I've found for covering emergency expenses! No interest, you can't beat that!

Guest

Our dentist suggested the interest free option, so we tried it. All payments were on time.

Our last payment check was cashed a week before the final due date, but for THE WRONG AMOUNT. This was GE's mistake. I paid the difference immediately after receiving the next bill, but GE is claiming that this triggered an enormous interest payment. I have FAX'ed all the information and check images, etc.

I have called customer service three times.

We receive automated telephone calls several times each day now. We will not pay a penny more.

Guest

omg I was going to get care credit for $4000 so glad I was denied is it really that bad??

Guest

Wow! Thanks for posting this.

I tried to get Carecredit a few months ago, but was denied. I guess that was in my favor. Sorry about what they did to you.

Report them to the BBB. That is just wrong.

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Anonymous
map-marker Miami, Florida

Rude and will not work with you at all

I will never recommend care credit to anyone,i have had horrible customer service with them from day one.I am a 10 month employee and i ask if i could have my payments deferred during this time and i was told they will not defer my payments,late payments are a killer $39.00,if you pay over phone $15.00 customer service will not work with you at all,they are very rude,i really think no one has had ethics training at all. You would think the way the economy is they would have some type of compassion!
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Jarod Mlo
map-marker Washington, District Of Columbia

Care Credit Scammers

Paid first payment on the account of $250 per month to have the interest free loan as they advertise. Nothing came out of the account for 4 days so I called and asked why they stated that the need the check routing number as it did not go through the first time.Second check was given and I have got the second bill which now stated that $35 returned check which never was used $29 late fee and another $15 over the phone fee. These people are nothing but extorting money from people and should change the name carecredit to we dont care credit just pay the money
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camodad
map-marker Panama City, Florida

Richard P North Col eye center .I have WRITTEN proff of my No intrest loan and Without default

Rich P. North Col eye center .I have contract proof of my No % loan and W/o any default all deferred intrest added on. Owed 4900 now they added 3000 and 33% intrest. I saved ALL my papper work and the $1600 eye opperation is at this point at cost or $5000 and at minimum payment will pay off in like 15 years. It has only been 3 and was a bank draft that never missised My laywer as me to be lead comblait on a class action suit. .Anone else cheated that way or it others(1 Eye was not repaired)Should contact member of my lawyers involved Steve Morris ,133********, We need ti right this wrong. I am a retired vet and they are theives
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lisa Lbe
map-marker Phoenix, Arizona

Ge money bank and Care Credit

Care credit used an outrageous interest rate. My cat died anyway after the dogs attacked it, Ge money bank from paypal(credit card) never signed the letters they sent me after somebody ripped me off on paypal and the credit card was used in Spain. They will not accept responsibility when they send me snail mail, Very strange, Lisa Care credit should never be used for frightening situations like when my animal was attacked. I am heartbroken. They called me every 5 minutes at VCM animal clinics, and would say, his kidney is clipped, it will be another three hundred dollars. I am not going to express the rage I felt inside online. Care Credit means Murder credit to me.
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Loss:
$1600
2 comments
Guest

The reason Im late is when I do pay on time they just call and call and send me stuff to spend more money...Plus they call you on sunday DO NOT CALL ME ON SUNDAYS!!!! plus the last rep I talked to I did'nt belive he was from a call center in the USA I don't trust outsource.

So I called back and to make my payment and well she was very rude..When Ya I told her Yes, payment is late!!! I worked @ a call center and it was super bad, but I was a nice person even when I got called names and ya it was the companies fault....One more time no more calls on Sunday and yes I will be late on my payments..Have to feed my child and pay heat so u will wait..we have no insurancce any more this card did and will help us until I get a job and pay another bills to get my own insurance--it's all a scam;( :x

Guest

Biggest scam ever. You set up auto payments, so you pay on time.

Never got a letter of the promotion time running out, just slap you with interest!! Never use this company.

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madwoman M
map-marker Waldorf, Maryland

Care Credit Robbed Me

My son was going to have surgery done, but we decided to have a second opinion and cancelled the surgery. Th DR office charged the care credit in April. I guess they forgot to go back and credit my account. I am going to raise cane with them tomorrow. I never received a bill from Care Credit...in June they pulled $740 out of my checking account with out my authorization. If they would have sent me a bill in April or May or *** even in June I could have disputed the charge and I wouldn't be out this money. When I called to dispute, I was told they would send me a letter and someone would look into it in 31 BUSINESS days. OMG that is a rent payment for me!!!! What am I going to do???? How dare they take my money without my authorization!!!
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Loss:
$737
3 comments
Guest

I too have been scammed by GE money. Who in their right mind would accept a 29% interest?

I was told that my acount would be put into a hardship defferment and now my balance went from $500 to over $1,200.

I paid perfectly for over 1 year and before my account went delinquent I contacted them and the person on the phone told me what I wanted to hear but today my credit report has been destroyed by them. This place is the scam of the lifetime.

Guest

I was also robbed by GE money. My son had a root canal and other dental procedures on January and February 2008.

I never received a bill from them but called them and paid on the phone. Despite that, they charged me finance fees for two months for no reason. On August 12 I called GE and was told that I was late in one day and as a result I owe 30 percent of the initial dental fee.

in other words, all the money that I paid for 18 months does not count. i do not know what to do at this point.

smadar

Guest

I'm sorry you're having problems with your CareCredit account. We'd like to help. Please email me at media.relations@***.com so we can research and assist.Regards,Nicole (GE Money)

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Ashleigh Dkw
map-marker Los Angeles, California

Care Credit - Insane APR & I have great credit?

Wow, I really wish I had read the user reviews for his company sooner. When I applied they gave me a really low APR and without missing a payment or ever being late and paying way above the amount due, they raised my APR to 24.00% without notice!! When I called the customer service dept they said that was actually a low APR, their current APR was @ 26% and the reason they could have such a high APR is because they were a privately owned company...DO NOT APPLY FOR GEMONEY/CARE CREDIT! So NOT worth it! Have your payment goes to just Interest!
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3 comments
Sabrina Mmo

Marc probably works for them...!

Guest

Good deal my ***. I used care credit to pay a vet bill.

The "promotion" that I didn't know I was on (I guess because I didn't search for any fine print) expired. They charged me 30% of my original balance (the original charge was $2000, so a $600 charge), plus the APR is not 30%.

Guest

You don't pay interest if you make all your monthly payments in time. This 26% APR only applies if you miss payments. So if you are disciplined this is actually a pretty good deal (no interest for up to 18 months)...

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Anonymous
map-marker San Francisco, California

Carecredit is the worst credit card company

I should have NEVER signed up for a credit card with these people. They have been known to hang up on me on the phone. They're customer service is HORRIBLE. They give you the treatment of being very soul-less & emotion-less. They have no care in the world for how they're customers feel. They try to get their clients in more debt than they already are. Today I called about account security. I was told I would be charged each month. They declined me for something I was only calling to ask a question for. aweful & bad.
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1 comment
Guest

Plus they tried to charge me late fees almost every month when I wasn't late. Then were rude to me on the phone.

Anonymous
map-marker Bethesda, Maryland

Care credit for dental care

This company cheats people out of their money, they have some conditions in fine print that could get you into a lot of extra debt if the consumer is not absolutely careful. Late payments are definitely a no no. If you submit a late payment even by a day, they have punitive charges and can decide to cancel their no interest credit agreement with you without notice and charge even more fees at that point; from personal experience, late payments are acceptable to them as long as they can get more money from you in form of fees but as son as you decide to have a direct debit agreement with them, they suddenly drop their no interest agreement with you. It is a deceitful company and any wise consumer and dentists should think twice before accepting their credit or promoting it respectively.
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Anonymous
map-marker Lima, Ohio

The last couple of bills are arriving late-can't pay

I can't pay my bill on time if it is not being delivered to me on time. The last couple of bills have been that way. I am not sure who is at fault but all I know is I am getting penalized for someone not doing their job. It pretty disappointing when you work everday and you pay your bills and have good credit but when someone makes a mistake it seem that it is always the consumers who pay for it. It would be nice if companies were not always eager to make the extra money. I usually even pay more than the minimum payment.
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Loss:
$80
2 comments
Guest

I OPTED NOT TO GET PAPER BILLS. I KNOW MY DUE DATE IS THE 9TH OF EA.

MO. IT HAS NEVER CHANGED. I CAN PAY OVER PHONE OR PAY ONLINE. I USE THIS FOR BOTH MY DENTAL AND MY PETS VETERINARIAN VISITS FOR OVER 3 YEARS AND HAVE BEEN PAYING ONLINE SINCE THE BEGINNING.

OBVIOUSLY YOU ACCESS TO A COMPUTER SINCE I FOUND THIS, SO GO GREEN GO PAPERLESS AND PAY ONLINE. TAKE RESPONSIBILITY.

Guest

You don't the actual "bill" to make a payment. if you have your account number and address to send the bill, send a check early.

You already know about how much it'll be.

Or set it up to pay on-line. Take a little bit of personal initiative yourself if you want to maintain your credit.

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janice w Tid
map-marker Lincoln, Nebraska

up set about a late charge

I have been try to get a hold of a person on the phone about my bill.I did send you a payment. OF 62.24 But not the late charge.Because I did not remember.Getting a bill.How can I get a hold of someone without talking to a recording.Ihave been with you folks for long time have paid off bigger bills than this.I feel this was not my fault.I think it might of been the us mail fault.With the weather we have been having.It could of got in the wrong mailbox.Were not all perfect.jwallingford@***.net
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crine R
map-marker Yuma, Arizona

HORRIBLE CUSTOMER SERVICE, CAN GIVE A ***

Don't ever use Care Credit, they are deceitful, rude, non caring, non willing to work with customers. I have been paying on my bill for a good two years. I made two payments late (only because I did this on line on the date payment was due and it didn't arrive by 5:00 eastern time) One late fee I called and spoke with a rep and she said I was correct, and should not have been charged a late fee. The next statement I was credited the $39.99, but that my promotional expiration date had been terminated due to 3 late fees. Almost $1,000 in deferred finance charges was added to my account. When I called and spoke to a very rude rep and said I was even refund the last late fee, she said the rep I spoke with previously was incorrect in telling me I was not late. The rude rep just would not listen and insisted I had 3 late fees....sooooo rude. I called back and spoke to at least 6 "escalation specialists" all even more rude than the next (I thought that would be impossible) Anyway, noone was willing to hear me out and help me out. I wanted to pay this off, the rep was going to reduce the finance charge $50% but it had to be paid off that day (5 eastern standard time) which gave me an hour to go to my credit union (40 miles away) get money and then deposit into my bank. I didn't have time so I was screwed out of the discount. I called several times and everyone refused to give me the discount because "they gave me one change to pay it off" and could care less about the circumstances. I HAVE NEVER BEEN SO UPSET WITH A COMPANY AND THE PEOPLE WHO WORK FOR CARE CREDIT!!!!!
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Anonymous
map-marker Minneapolis, Minnesota

Overcharged me paid off bill sent to collection agency

i paid my bill in full,and carecredit sent my bill to a collection agency.my bill just seems to increase every time i make a payment.very frustrating that i couldnt make a payment over the phone,without being charged even more money yet.i will not ever use carecredit again,no matter what the circumstances may be.i think they are money hungry grubs,and the fine print is misleading,definately to there advantage.i even had a representative from the company help me pay online,only to find out that the payment i made never even went through.
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1 comment
Guest

Yes they are a rip off, I had a tooth pulled about three years ago and aim still paying for it, I could have bought a mouth full of teeth by now!

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