CareCredit - Care Credit and G.E. Capital is a fraud

214 of 320 CareCredit reviews

Applied for credit for dental repairs; got "12 months same as cash" option, and have made every monthly payment of at least $150/mo. for over 7 months; suddenly, they tacked on $125.47 interest on "promotional expiration date-EXPIRED" and when I called them, they told me to "sue us" and we'll garnish your bank account." So I sued them in Small Claims Court here in Florida; I'll let you know the outcome. I hope anyone reading this will not do business with this company, as they will be well advised to avoid any contact at all.

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Product or service
Revolving Line Of Credit
Review category
Hospitals, Clinics and Medical Centers, Doctors
review #287877 by
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Helpful? 54 Yes 54 73 No 73
Had the same issue 9 Yes 9
214 of 320 CareCredit reviews
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Aug 18, 2015 #1021324

I recently obtained my annual credit report, found that someone opened a joint account on 07 01 2013. Never paid a red cent, now they say I owe them! What, why did they open a fraud I lent account. This is also known as GE CAPITAL RETAIL BANK same as SYNCB/CARE CREDIT. AVOID AT ALL COSTS!

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Jan 23, 2015 #935415 Nashville, Tennessee, United States

So what was the outcome? Where did you file to reach the register agent in Florida? Do you have a valid address or a PO box address?

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Mar 09, 2014 #792903 Kendall, Florida, United States

I'm going to sue my dentist and care credit. I didn't apply for the card, apparently my dentist took that upon himself. I have dental coverage, and they (unbeknownst to me) decided to sign me up for care credit, $3000. I didn't know until I got a credit update the day after my cleaning. Apparently, the company pays the dentist. I didn't even have any work done. I am livid and I'm taking it all the way. This is a sad scam of a practice. These people are ridiculous.

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Feb 20, 2014 #786849 Los Angeles, California, United States

I too got a letter for an account I never applied for at my address in my EX-Husbands name. This must be a scam…the correct address for GE Capital Retail Bank is NOT P.O. Box 965033 if you go to their site it is different.

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Jan 26, 2014 #778443

Update on last comment: they settled with me and refunded the $125.47, plus filing fee of $75. What a bunch of cowards and incompetent attorneys they have working for them.

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Jan 24, 2014 #777648 Rosemead, California, United States

I received a letter from GE Capital Retail Bank PO Box 965033 Orlando FL 32896-5033, saying my application of a GECRB card account is not approved. I've never applied this thing and I read all about your comments mentioning they are a fraud. What should I do about it? Since I don't have account in there, would it be fine if I just leave it?

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Jan 14, 2014 #773150

I want to sue them as well... to what address do I send the court summons?

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The Bobster77

Oct 21, 2013 #731485

After filing suit, they settled with me by refunding $175.00, plus the $50 filing fee. :grin

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Dec 11, 2013 #756290 Cape Coral, Florida, United States

I am having the exact same problem you mentioned and am getting ready to contact the CEO about it and will tell others not to do business with them.

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Oct 21, 2013 #731411

I had a toothache and went to Coast Dental. My top teeth where in very bad shape and my bottom had gum disease. I wanted my top teeth pulled and a plate. So the dentist asked me if it was a matter of money. I think he wanted to cap the 8 teeth I had left on top and on bottom. More money for him. So I said yes. I am on widow's social security disability. So they check and got me care credit. They told me that it would cost 3k to take care of all the problems and that my payment would be $150 a month for 24 months. Problem is they billed each visit at different times and now some are due in 6 months some are due in 8 months. Never did I read the terms of the card until I got my first bill. I was not given the terms before the dentist billed the card. Coast Dental just did it. Never did I know that if I couldn't pay it off before the deffered time is over that they would tack the interest onto the balance and I would end up paying 9k for my teeth. I have managed to keep up with the payments but it is getting so hard for me that I am now using food banks to eat. When I questioned it and their billing practice they gave me the run around. When I confronted the office manager at Coast Dental she was a total ***. I have decided to stop paying Care Credit because I feel that they are all doing something illegal. Loan sharks.. Let them sue me. They can't take my SS check or my home or my car and that is all I have. Shame is it is going to ruin my credit which is very good. Care... Show more

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Oct 21, 2013 #731373 Pekin, Illinois, United States

Ripped off for over $1000 and I have yet to actually receive a bill. I figured I was doing the right thing by paying on a card that I knew I ran up a balance on. After receiving quite a few harassing phone calls from their collection company in India (who repeatedly said they would stop calling and couldn't provide me an address to write or a phone number to call them back), I stopped receiving bills from them. Fast forward 12 months and I've been summoned to court as they are taking me to small claims for another $1000. This could be amusing. Court is tomorrow. I will try to update here afterwards.

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Oct 15, 2013 #729287

It's extortion! I will never use again.

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Sep 17, 2013 #718287

I received a letter stating we open an account but the address didn't match our social security number. After three hours of them transferring our calls, we finally got an American we could understand his English. Only to find out they didn't have any information on us. Well, then who the heck is sending these letters, Stating we opened an account. :? We never opened an Account with Ge Capital Retail Bank. Maybe they are just saying this so we would open an account. Not sure why this happen or if this is a gimmick. :cry

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Feb 10, 2013 #606900 Charleston, West Virginia, United States

My wife signed up for Care Credit through a Dentist, I had never been to this office, never had any work done by this Dentist, I found out that this was opened as a joint account, after numerous phone calls from this outfit demanding a payment, I explained that payments were sent on time but each time they added a late fee, I requested copies of original documents and was told they could not provide them, suddenly out of the blue the rep. I was speaking with offered to settle for 50% of amount owed. I again explained that this was not my debt but I would pay just to get them off my back. I have contacted the Attorney Generals Office on my state and was told they had more complaints then they could count. Calling the number provided puts me in a never ending conversation....repeating over and over the same info. I intend to follow this to the end. This is a poor excuse for a Financial Institution and poor customer service.

1 0 Reply
juno ima wright

Nov 23, 2012 #572966

crock of *&^%% this company is so corrupt dentists must be geting a kickback for pushing it,4yrs ago co-signed for my sons dental bill 1000.00 paid every payment and extra for first 2yrs now its over 1000.00
talked almost 20 people out of geting this card by just telling this story,almost yelled at my dentist for suggesting I apply for what my dental insurance would'nt cover.never been so sick of talking to foreingers at ge in my life do not understand them and can not get a complete statement from them from when my son first got the card to show payment history.please everyone call your local better business bureau.we do not need companies like this esp with the economy like it is.

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Jan 13, 2013 #593179

I too have this card and get calls from out of USA. Whenever you get a call from these peope all you have to do is tell them you need to speak to someone in the USA and they have to transfer you. I usually ask if they are in America before I demand a transfer, works every time and I like to think I am doing a little by not using companies cheap resources out side of home.

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Nov 17, 2012 #570430

I have used CareCredit for my vet and dentist. I haven't had any problems with this particular card from GE Capital. However, I have had a tremendous problem with GE Capital-Lowes card. Their "promotional" deals, 12mo/6mo same as cash deals are surely a scam. We bought appliances for $2100. Three weeks later we sent in a payment for $2000. They didn't apply the payment to the promo, rather toward two other small promos and regular balance. You have to call each month and TELL them to apply payments toward promos. That is ridiculous. Finally after multiple calls, got them to back credit the $2000 + $100 from another payment and they also credited back $382 in deferred interest. Think it was just my lucky day on this one. I had 4 credit cards with GE Capital and have since closed all of them. I was advised by one "Supervisor" not to cancel cards because it would "hurt" my credit rating. So now the do credit financial counseling! Not her business how I handle my credit rating. Told her to stick it. I went to the bank and got a bill consolidation loan. I trust my bank way more than I do GE Capital. Then I get a satisfaction survey by email from GE with 5 paragraphs of disclaimer that I had to "agree" to complete survey!!! They made suggestions on what I should and shouldn’t put in the survey. Again BS. Then they wanted to know why I opted out! Screw GE Capital and all the businesses that use them for their credit card backers, they are in bed together. Scammers all of them.... Show more

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Julie Brown

Nov 02, 2012 #563608

Account Security Service, if i'm correct are added if your credit rating is not excellent.
I believe the amount charged determines the promotion time. I always get 12 months for anything medical I have used it for. I always meet the expiration date and paid my bill up to the day before the expiration date and never got hit with the differed interest. It has come in very handy for dental; to pay for what my insurance didn't cover. If I ever have any bad experience with it I will post it.. I've had my account for several years and used it several times and always paid it prior to promotion expiration. Your statement show you when does dates are coming up and even show warning to remind you of it.

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Nov 02, 2012 #563598

I have had care Credit for years and have used it several times. I have always paid my account before the promotional expiration date and never had an issue. If you miss the expiration date then of course they will charge you all the back interest because that is the agreement you make when you use the card. The thing to do is look at when our promotional dates end and make sure your bill is paid before then.. for each charge you make you get 12 months deffered interest if paid by that date. Miss that date and it's your fault that you get charged the deffered interest. Why fight with the company when you use your card you made the agreement!!! It's a great tool to have if you do it right. Again never had a problem with Care Credit or G.E.

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