CareCredit
Reviews and Complaints

I too am in the same boat. I had paid my bill half off of the originally bill which was $2000.00. At the end of the seventeen months I recieved my next statement bill which had been pushed back up to $2000.00. They were asking for a large payment which I really can't afford these payments as I only recieve a check once a month. Now the bill is way over the original bill. I'm hoping that many will come together and complain to the attorney generals office. Or come up with some way to beat them at their own game. The set up is not about the customers but a scam to get over on as many people as possible

it don't post until the check is cleared your bank. and they are owned by GE there not going out of business anytime soon

from what i understand there are class action lawsuits forming. i havent had my promotion expire yet. but after hearing all the complaints against CARECREDIT, im very worried. This is terrible. there are many other complaints on "[redacted].com". Dont know why providers that offer carecredit dont stop offering this financing. this bank gave me a very high credit line! guess i know why now. everyone needs to join in on a class action suit against this bank and stop them soon.

I was told my a CreditCare rep that my March payment would have to be paid in full or I would have a deferred interest fee of 293.00. When my March statement arrived (/3/13/09) they had already charged my account for the deferred interest. When I called they said my payment had to be received by 3/3/09. I had all intentions of paaying the balance due to avoid the financial fee. Had I realized that this was going to happen I would have paid in full last month. I realize I was not on the ball with this but also feel I was given misleading advice. When I inquired about this their reply was basically #oh well, too bad for you". I am a single mom in a financial jam and have a child that needs more dental work. I am so upset, anxious and scared about this. Any opions on whether or not I have any recourse here?

I'm having the same problem with them and I ended up calling them to inform that they never sent me a bill in the mail and the lady whom I've spoken to, swore up and down that a bill was sent, that's a lie! I am so sick and tired of them, I regret that I'm involved with them and working on paying them off so they can get out of my life for good! I have other bills to pay besides them and their bill is unnesessary!

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.

Hello,

Just as a curiosity, have you ever got to a resolution on these fraudulent charges? I'm having the exact same case as you ... however on my end I do have a proof in writing that this charge was completly unathorized and done in colaboration dentist-GE MONEY!

I'm filling complaints everywhere: "Office of the Atty General", "Office of Thrift Supervison", "ConsumerAffairs", the banks's Head Quarters offices, BBB - Office of Professional Discipline (against the dentist, this time around) and most likely will file a small claims suit to recover all my expenses with this nonsense.

Thanks

Hi, I had a horribly experience with care credit/ge money, I filed a dispute against my dentist because he made unauthorized charges on my care credit account
and also he made additional services without my approval, the scams continued because the dentist wants me to pay AGAIN for a crown that has been already paid in advance, he also scamed me several times on my dental account journal, this is a long history but after I submit my dispute papers, to ge money and I provide plenty of evidence, still they rule out in the dentist favor without collecting evidence from him and, I kept fighting with GE Money employees since last october until now but they just ignored my complaints, I kept writing them letters and they responded always with negatives and, finally this month of 3/09 they sent me the bill plus more than $1000 in finance charges, plus they told me if I don't pay in full this balance of $2860 plus the finance charges, they will charge me
over limit fee in the amount of $1117.
Ok, I already told them that I will NOT PAY THIS BILL, this dentist lied in his response saying that "ALL THE WORK OF THIS PATIENT HAS BEEN COMPLETED TO HER SATISFACTION" I proved with evidence that he didn't finished my dental work.
Ge Money can keep adding on my bill all the finance charges they wanted, they also can put me in collection, but I told them that I will never going to pay this bill.
I am determined to take this to the last consequence, even if my perfect credit get damaged, I still prefer that to pay this group of scamers.
It is ovious that they ruled out in the dentist favor because, the dentist give Care Credit/Ge Money customers and it is their convenience, they protect all the health providers, if any care credit cardholdler files a dispute which is my case, the cardholder WILL NEVER IS GOING TO WIN.

I would like to know how to tackle this obnoxious company. I was charged a total of over $300 in interest. I had attempted to make the last payment (interest free for a year). The online system allows you to make an automatic deduction, or a one time payment. I paid the automatic deduction to clear the balance, and on the next statement, this amount was only paid in half, and I was charged 225 in interst. I called immediately, and was told by the rep that he could see where I had tried to pay, and was told if I paid $211, it would be cleared. The phone was then disconnected, and I though it an odd amount as that would not clear the balance. I called back a few days later (as it takes almost 30 mins to get thru to someone). I was again, told that they could see the amount that was tried to be paid, but before they could give me the correct amount, the phone line was again disconnected. I tried once more, and yet again. It was very frustrating, and I was getting concerned about the due date, so went online and made anothter payment of $211. The bill came the next month, and there was more interest, and no deduction. I again called, and was told that I should have paid the amount by the first time I had called, and that all the interst was valid. I became quite angry at the operator, who then referred me some sort of "specialist". This person was even ruder, and hung up on me. I wrote a letter to the company, and then had a call a few weeks later from somene in customer service who was requesting payment. I explained that I was disputing things, and she told me that she would only take the payment of the amount that was not taken out the first time, ie, less the balance. She reassured me that while it was being diputed, that I would not have to pay the interest.
Wrong, I got the statement again this month, and even more interest. I called again, and got the same rude person who had hung up on me, and told me that all the interst was valid. I tried to get him to explain to me why none of the amounts were not taken out, and he told me there was no record of that. And of course, when I go online there is nothing either.
I have records of my phone calls only, the website only shows what was deducted, not what I had tried to pay, however, they seem to have access to this.
I don;t want to pay a lawyer, any advice would be appreciated. This company should be shut done, but not before being exposed.

Galina:

From similar past experience with these ###s, the only thing they understand is small claims court. Usually the threat of it will do. If not, follow through and sue them for harrassment. It will work!

Tom

I went to pay my bill and was thinking of just paying it off. When I got the statement I noticed I was being charged an account security fee which was the amount of the interest I also pay. I never was told about these fees. What do I need to do to get all these eronious charges revered.

My payment was due on the 13th of each month. I attempted to make a payment on [protected] on line. It would not allow the payment to reflect on this date.. I had to choose the payment to be on the 14th of Jan. At first I couldn't understand why I was not able to select the 13th as a posting day. Then after looking at my statement, the statement states that payments must be in by 5pm Eastern time. I'm in Central time. So therefore they took my payment as a late payment fee. This is wrong, and this is why hardworking individuals get into the situations they do. This is a way for the company to basically state; "Well you were late with your payment." I feel a payment should reflect the day and time the payment has been made regardless of time zone the issuing credit company is in. If anyone knows of a class action suit against this company please post.

You are better off being denied. Here is why:

a.k.a. GEMB, GE Moneybank, GE Money, CareCredit, Kwik Comfort, JC Penney Credit, others.

First:
Go to www.complaintsboard.com. Do a search on CareCredit, GEMB of GE Moneybank. You will notice they have a running scam.

1) Their offer is for interest free financing if the balance is paid in full after x-months, usually 18-24.

2) No matter if you mail in your payments, have autopay from your charge card, or direct debit from your bank account, GE will ALWAYS claim they did not receive your payment, or received your payment late. Why? Then they can add late charges! And of course, your last payment is always lost, therefore “you did not pay-off your balance in the predetermined time frame”. Then they try to collect a huge interest payment effective from the inception date.

3) You cannot contact the company via e-mail; they ignore e-mail.

4) You cannot get a response via snail mail; they ignore your letters.

5) If you are willing to sit on hold for 45-60 minutes, and punch in your account number countless times, you may be able to reach a person with a pulse. In most cases, the employees speak/understand English, but are not overly bright.

6) Said person will claim your payment was not received, or received late.

In my case, I had electronic records of every payment. I also paid extra every month. When asked that I provide the proof, I faxed copies of the electronic transaction records as well as e-mailed same. Of course, they "never received it" despite the fact that I was holding the FAX confirmation in my hand and looking at the e-mail receipt.

Advice:
1) If you have entered a contract with these scammers, beg, borrow or steal whatever
amount of money you owe them. DO NOT PAY INTEREST OR LATE FEES (unless
you actually were late). Send a CERTIFIED CHECK, RETURN RECEIPT
REQUESTED FOR THE AMOUNT YOU CHARGED less any payments already
made. Write your account # and “Paid in Full” on the check.

2) If you did direct debit or credit card payments, close the bank account or cancel the
credit card IMMEDIATELY AFTER the check has cleared or the withdrawal is
posted. They tend to post charge card debits almost immediately.

3) Save all your evidence should they threaten to come after you. However, they won't
because they would lose; I am telling you from experience. I threatened them with
court and was refunded all interest and late fees.

4) Check for class-action suits in your area; there are many going on nationwide.

Here is a letter another gentlemen sent to CareCredit/GE MoneyBank:

To Whom It May Concern:

The purpose of this letter is to file a formal notification of complaint alleging numerous violations of the Consumer Credit Protection Act (15 U.S.C. 1601) on the part of CareCredit, in that CareCredit, aka GE Capital Cons Cardco aka GE Capital Consumer Card Company. GE Capital Consumer Card Co. is a ""creditor"" by definition of 15 U.S.C. 1601-§103-f (Consumer Credit Protection Act) and therefore falls under the federal jurisdiction of the Federal Deposit Insurance Corporation (FDIC). GE Capital Consumer Card Co. has knowingly and illegally: - made a promotional offer of ""interest-free"" or ""deferred interest"" which, by its actions as enumerated below, it had or has no intentions of fulfilling, said offer falling within the definition of Section 226.2 of CCPA.

- levied late fees and finance charges when payments were actually received - and deducted from my bank account - PRIOR to the due date, - charged illegal and exorbitant ""account security"" fees without any form of legal disclosure or explanation as to what those charges may be, constituting a ""surcharge"" under sections 103 and section 167 of the Consumer Credit Protection Act (15 U.S.C. 1601), hereinafter referred to as CCPA. - has instituted retroactive ""terms and conditions"" without proper notification, in violation of § 226.7 of the CCPA. - has provided such ""terms and conditions"" in a format that appears to be a third- or fourth-generation unreadable photocopy consisting of print so small and faded as to be illegible, in violation of § 226.5.

- has made it virtually impossible for customers (clients) to contact them in a timely manner by failing and/or refusing to answer telephone calls for periods of up to 7.5 hours (by placing the customer on hold for such lengths of time) and by failing and/or refusing to provide any means on its web site of contacting CareCredit by email or any other means than an unanswered telephone line. - has acted to quash any meaningful payment inquiries by refusing to provide requested information to the bank upon which payments were drawn, in addition to failing to provide telephone-answering staff as alleged above. DETAILS: Application for the above-referenced account was made under a ""promotional offer"" (Exhibit A - promotional offer), which provided for no interest if the account was paid in full within 48 months.

This agreement was for the issuance of a ""medical credit card"" issued by GE Capital Consumer Card Co, 5300 Kings Island Drive, Mason, OH 45050, to cover dental (oral surgery) expenses in excess of that which were to be paid by the payee's dental insurance. The debt agreed upon was to be $1, 500.00. The first payment was due September 4, 2004 (Exhibit B - statement of payment due).

Payment was received via electronic funds transfer on September 2, 3004 and was deducted from the payee's bank account prior to 2 pm the following business day, September 3, 2004 (Exhibit C - email from USBank, formerly and aka Firstar Bank). The minimum payment on the above account is $45 per month. The defendant states that ""payment is due by 5 pm on the due date"" to ""avoid additional finance charges."" Payment was received and cleared well before that time.

Electronic funds transfer payments through USBank is guaranteed to arrive on the date specificied. This form of payment was chosen specifically to ensure timely receipt of payment, since US Postal Service delivery to and from payee's address is often very unreliable. In four years, I have had no problem with electronic funds transfers reaching their destination late.

The payee then received on Sept. 13, 2004 a ""late notice"" (which bore no postmark and was, in fact, bulk mailed - Exhibits D-1 and D-2 - envelope and late payment notice) claiming that no payment had been received, when in fact, it had. In addition, the payee was informed that a late fee of $35.00 and an ""account security fee"" of $23.25 had been charged additionally. In a document received Sept. 13, 2004, after the contract was entered into, labelled ""Account Security Debt Cancellation Agreement"" (Exhibit E), there is no mention whatsoever of any ""account security fee"".

Payee contends that this ""account security fee"" constitutes a hidden and therefore unlawful interest or finance charge, in violation of federal law. On that date, Sept. 13, 2004, payee attempted to call the phone number provided [protected]) and was informed by a voice recording that ""due to a high volume of calls"" there would be ""a lengthy wait time"". Payee kept the line open and was on hold for 3 hours 47 minutes before finally giving up, unable to speak to single human being during that time.

Additionally, the payee contacted the bank (Exhibit F - email) to notify them of the allegation by GE Capital Cons Cardo that no payment had been received, even though existing bank records clearly documented otherwise. USBank aka Firstar Bank responded to the payee on Sept. 14. 2004 (Exhibit G - email) that it was investigating the matter, then followed up with another communication - also Sept. 14, 2004 (Exhibit H - email) that ""GE Capital Cons Cardco will not discuss customer accounts with third parties"" and suggested that the payee call [protected] - the same phone number which GE Capital Cons Cardo will not answer.

An additional payment of $55.00 was made by the payee and received September 17, 2004 and deducted from the payee's bank account on Sept. 18, 2004 for the payment of $45.00 due October 4, 2004. No statement was received for a November payment, due Nov. 4, 2004; however electronic payment was made and received Sept. 29, 2004 in the amount of $100.00 (Exhibit I - details of USBank transaction printout), even though the payment due was $45.00. For the December payment, due Dec. 4, 2004, an electronic funds transfer in the amount of $100.00 was scheduled to be received Nov. 18, 2004, though the amount due was $45.00.

On November 12, 2004, payee received a statement from GE Capital Cons Cardco (Exhibit G - statement) claiming no payment was received for October and that a late fee of $35.00 had been assessed, as well as a ""finance charge"" of $106.64 and an ""account security fee"" of $22.38. The payee was also informed that the ""promotional offer"" had expired on an unstated expiration date, in violation of the agreement made and the promotional offer (Exhibit A). Also on November 12, 2004, the payee again attempted to call both toll-free numbers provided and was informed by a recorded message that ""due to a large volume of calls"" there would be a ""long wait time."" After 2 hours and 17 minutes, the payee again gave up, and on November 13, 2004, sent this document with a certified letter to the defendant.

In summary, payee has so far paid $400 on a $1, 500.00 debt and is informed the balance is $1, 563.13. All payments have been made and received before the due date. The payee asks for full restitution of the unlawful and exorbitant fees in the amount of $463.13 charged by GE Capital Cons Cardco, as well as all attorney fees and costs pursuant to this matter, and for full reinstatement of the ""promotional offer"" terms which were, and are, part and parcel of the agreement between the payee and GE Capital Cons Cardco.

The payee hereby notifies you, under the requirements of the Consumer Credit Protection Act. [15 U.S.C. 1601], that the aforesaid charges of $463.13 are contested for the reasons outlined above and that no such charges will be paid in the future. Payments will be made to repay the original amount of $1500, as contracted, in the time length necessary to avoid interest fees, per your ""promotional offer."" It is my intent to file legal action - as a class action suit if possible - and to seek full restitution and double damages as provided for in the Consumer Credit Protection Act

Care credit customer service reps give bad advise. dont care about the customer.

I applied & got approved but wanted an increase so i was told start a completely new application with my co signer. i started a fresh application and hit the submit button my accident. i immediately called to cancel the app. I was then advised to reapply again with another fresh application. So this three application on my credit. After i got declined for the last on, i wondered if it had anything to do with me having so many accounts with them. I spoke with several customer service reps and non of them could answer my questions. Come to find out, they never cancelled the first one. So im think that is a reason why i am not getting approved for the one with the cosigner.

Its frustrating, bc now my credit is affected. I got declined and i think their advising had something to do with it. Theyvarent professional at all, gave bad advice and dont care about my concerns all while advising me in a direction that is messing my credit up. im frustrated.

Federal Trade Commission doesn't care. They are government hacks.

EMAIL this lawfirm: James, Hoyer, Newcomer, Smiljanich & Yanchunis, P.A.
TO: Kgibbs @jameshoyer.com

The tag line should read: Complaint against GE Money Bank for CareCredit- Deceptive practices

I applied to CareCredit in Jan07 to cover orthodontic work. In mid-February I received a phone call from the CareCredit GE Money Bank collections department, notifying me that my account was past due. I told the customer service representative that the account was brand new and couldn’t possibly be late. I had not used the account yet and I had not yet received a statement. She verified my address, etc. I continued to receive phone calls from CareCredit collections dept over the next few weeks. I told them I still hadn’t received a statement and asked if I could view the statement online. They said I was not allowed to create an online id to view my statement since the account was in default. I worried it wasn’t really them, but a phishing scam so I refused to pay via telephone.
Eventually, I received my first statement. It was dated March 3, 2007. The account was delinquent and overlimit (with fees). Furthermore, my interest rate went up from 11.9% to 28.990%. I tried resolving the issue via letters and phone calls, but had to give in and pay what they demanded for fear of reporting to a credit agency.
Finally, I paid the balance in full and demanded they close my account. A year later, I received a letter from GEMoneyBank stating THEY are choosing to close my account and have reported it! I'm furious! It was MY decision to close that account!

EVERYONE that is having unresolved problems with GEMB needs to file formal complaints with the
Federal Trade Commission AND Office Of Thrift Supervision

GEMB abuses its customers and its processes for billing and payments are broken - to non existent.

They need to be investigated by the US Government regulatory agencies and the only way to do that is to bombard these agencies with complaints.

FYI - they are also cutting everyone's credit limits to only $100.00. So a lot of dept stores will lose a lot of Christmas business this year because of GEMB.

These are the most rude customer service people I've yet to request help from. They have a rudementary knowlege of their company and the operation of it's website. This website has inconsistancies such that one does not know if a payment has been made or not. The supervisory personnel are no more aware of the problem. In one instance I read to them what was on their website concerning my account and they all but accused me of lying.

I'm sorry you're experiencing problems with your CareCredit account. We'd like to help. Please email me at gemoneycares@ge.com with the following information:

- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
- Reference code DM 011011

For your security, please do not include your account number in your email.

Regards,
Nicole
GE Money

I WAS SIGHED UP FOR CARE CREDIT BY MY DENTIS AND I NEVER
NEW A CREDIT CARD WAS INVOLVED I NEVER NEW ABOUT ANNUAL PERCENTAGE RATES OF 29.990% OR FINANCE CHARGES, I FILL LIKE I BEEN TRICKED BY THE DENTIS AND I DO NOT WANT NO PART OF THIS CARD I MAID SEVERAL PAYMENTS AND I STILL DON, T SEE THE TOTOL GOING DOWN.I, AM STUCK WITH LATE FEES I DON, T EVEN PAY LATE FEES ON MY OTHER CREDIT CARD.I WOULD LIKE TO PAY BACK WHAT I RECEIVED WITH OUT ALL THE EXTRAS. DWAYNE.CHANDLER@ATT.NET
ACCOUNT 6019*1830*1621*4637

I GOT THIS CARD THROUGH MY DENTAL WORKER I NEVER GOT A CHANCE TO READ ANYTHING ABOUT LATE FEES AFTER 30 DAYS OR FINANCE CHARGES I MADE A FEW PAYMENTS ON A 1000 DOLLAR LOAN AND I SEE YHAT THE DUE BALANCE IS STILL OVER 1000 DOLLARS, I BEEN LIED TO AND CHEATED. I NO LONGER WISH TO KEEP THIS CARD PLEASE TELL ME HOW TO GET THIS LOAN PAID OFF WITH OUT THE USE OF THE CARD OR ANNUAL PERCENTAGE RATE OF 29.990%.ACCOUNT NUMBER
[protected] DWAYNE CHANDLER.EMAIL DWAYNE.CHANDLER@ATT.NET CELL [protected]
THANK YOU. DWAYNE CHANDLER.

I JUST signed up today for Care Credit and was given a copy of papers I signed, and the finance papers which I didn't sign. I went home and read them and found they were going to charge me 22% interest.
I tried to cancel immediately (within 12 hours) and I can't get a live person on the phone. The credit card number was not valid in their system.
I can't find a Fax number so I can notify them of my cancellation. Since I only have an income of $845.00 a month they should not have offered me a credit card for $6, 500.00.
My medical doctor reviewed the paperwork and tests required and said it was bogus. and if they were legitimate blood and other tests an insurance company would pay for it.
I am posting this in hopes of a quick resolution.

G.arshall

i fully agree. I completely paid my bill off in full on time and then they run my credit and see two credit cards with a higher than normal (whatever, they weren't even a fourth of the limit) and they write this big long letter that due to this they are cancelling my card. which would be fine with me but they smeared my credit in the meantime. my husband also has an account with them and at last bill which was months ago it said a few hundred left. then one day they stopped sending bills and closed his account same reason. but they wont tell him what is owed and they keep taking every month from our account. the bank won't stop payments because it is contractually sound until we get a letter from them stating we no longer owe. but we cant reach them and no bills get sent. ugh i am so ticked.

so I say you go and nail them hard.

-V-

YOU GO GET- EM, WISH U LUCK !

You are correct- Care Credit is as close to a payday lender as you can get. Good deal for doctors/dentists BAD deal for patients. STAY AWAY from CARE CREDIT!

CARE CREDIT is TERRIBLE!

GEMB believes all of its customers are stupid! This was probably deliberate to increase fees and interest they can charge.

Violations of the Fair Credit Billing Act and Fair Credit Reporting Act. File formal complaints with the Federal Trade Commission and Office of Thrift Supervision. Its the only way to get GEMB to correct their errors.

They refuse to acknowledge - let alone correct the mistakes they make. And they will RIP YOU OFF every chance they get aswell as RUIN YOUR CREDIT!

Not processing payments correctly is one of the biggest complaint I have seen on the boards.

GEMB violates the Fair Credit Billing Act - you have to report them to the government - or they will continue to ignore you

File complaints with the Federal Trade Commission and Office of Thrift Supervision.

You can find the Fair Credit Billing Act on the Federal Trade Commission website.

Card was paid off .Then reissued or restated on my credit report as active.

Will not let me register to log in to pay bill. Keep saying info is not correct.

Yes, I know how that feel i still can log on and they did not send the bill out on time the day it was due i received it. I even called them and they wopuld not take my payment over the phone and they told me that i would not acces a late charge but i did and they will not remove it.I had to fine another company to make my payment the next day.
Ms Manuel

John Junior Johnson
You are not the only one. For 2 years, I can't log in ether.
As for calling the company the first thing they say is to go to their Internet, that not working and they do not no why. So Melissa people do still no how to use the phone.

Contact the company then. The site could just be having issues.

As you can see from my complaint regarding my wife's cancer surgery we were ripped off too by CARE CREDIT.