CareCredit - Care credit spontaneously closed my account due to inactivity 1 month before a scheduled major surgery!
Orlando, FL 32896
Category: Financial Services
I was planning to use my Care Credit Card $9000.00 in order to finance a surgery that had originally been scheduled for February 2014, but was rescheduled by my doctor. The new surgery date is for August.I had to put a $1000.00 non-refundable deposit down in order to reserve the date. I have also purchased airline tickets and set my time off with my employer.
Yesterday I happened to pull up my credit report and saw that my Care Credit Account which had a $0 balance due to the fact that I was keeping it clear so i could finance my surgery. it showed that my account had been closed as of this month. I freaked out when i saw this, and tried to call them right away. The customer service department was already closed, so i tossed and turned all night worried and extremely frustrated. The following day, I called them again to find out why this error had occurred. I had never been contacted to ask me if i wanted to close the account, The very rude customer service representative informed me that it had been closed due to inactivity. I had only opened it last year after my consultation with my surgeon. He uses Care Credit as the main financing option for patients. I informed the Care Credit customer service Representative that the reason it hadn't been used yet was because I had was reserving that line of credit in order to finance an upcoming surgery. I requested that my account be re-opened and she told me that I would have to reapply. I was so angry I asked to speak to a manager. She conceeded after much resistance, and proceeded to keep me on hold for 10 minutes. I think she was trying to get me to hang up.
When I spoke with the equally rude if not more rude manager she said there was no way to re-open my account. I needed to reapply. I knew I probably wouldnt requalify at the $9000 credit limit and tried to contact them via their website, which apparently I have been locked out of.
The only real recourse I have, is to convince my doctor to start using a different company for patient financing. He has a very lucrative practice, and when they lose him, I believe they may learn to treat their customers in a more acceptable manner.
I am now stuck, and most likely will have to cancel my surgery.
Thanks, Care Credit/ GE Capital/Synchrony Bank!..
FYI....I just tried to reapply as they told me to and was denied!
What a horrendous company! Stay far away from this one!!!!
Product or Service Mentioned: Carecredit Account.
Monetary Loss: $9000.