CareCredit
Reviews and Complaints

12/31/2011
Office of Thrift Supervision
Washinghton, D.C.

rRe: Case #[protected]

My previous complaint filing detailed GEMB's deliberate misleading statements and actions as of that date. The response of 10/25/2011 from Fonda Lewis, contains additional untruthful statements and describes unrealized actions. GEMB has dekiberately mislead both myself and OTS, as follows:

1. Allegedly stopping payment and reissuing a check for $283.00. As of 12/31 1/we have not received a payment, nor the interest associated with this deliberate/malfeasant delay in GEMB’s overcharging/collecting a payment after failing to close an account, nor has there been any telephone call, email, or actual delivery of a message from GEMB to us.
2. There has been no telephone call message, or other communication, except for the 10/25/11 letter claiming to have reissued a check after more than one year previously claiming to have refunded their overbilling. GEMB is a large financial institution certainly capable of delivering telephone calls and/or overpayment refunds, yet they’ve failed to do either. [The only time we’ve been away was 10/23/11 until 11/6/11, but nothing received from GEMB.]
3. “Each month an accurate billing statement was sent advising…status on the promotional balance.” Again, deliberate mis-statement, as GEMB provided us an “electronic only monthly account summary, which displays an account balance, available credit, credit limit, payment due amount and date, last statement balance and date, last payment amount and date posted [Copies of multiple months’ statements are available any time you’d like to see them – I can attach to an email and send them immediately.] BUT NOWHERE ON THE ELECTRONOC FORM DOES IT CONTAIN ANYTHING RELATED TO “…status on the promotional balance, ” NOR “a promotional summary section.’ Furthermore, it indicates delivery method as “electronic only".
4. “Our records contain no indication of any incorrect information being provided...Customer Service is very important…, and
5. ‘GEMB claims that “When a billing statement is sent and not returned, we presume it has been received by the customer.” Note that this includes the non-delivery of alleged refund checks, and ignores GEMB’s receipt of written, telephone and electronic communications from me to them requesting clarification of the incorrect and misleading statements by GEMB Customer Representatives about the “promotional fee dates for payments due” and for overcharges and/or not received re-payments due me on this account. GEMB states that C/S conversations are recorded, yet they’ve failed to provide transcripts of any conversations, based on dates and names I provided. Again, more deliberately misleading responses, and failure to act when I provided written communications to GEMB.

At a minimum GE should be required to provide a certified copy of the cancelled check, or proof of an electronic payment. Their inability to provide either proof of refund should be noted as demonstratable proof of their lack of honesty in handling their fraudulent transactions. They should be held civillay liable for this fraud, and criminally liable for lying to OTS, a government agenvy.
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David Karchem
/personal information removed/

July18, 2011 fourth letter
July 4, 2011 third letter
May 25, 2011 second letter

Re Account: CareCredit [protected] overcharge and reufsal to refund outstanding overpayments
July18, 2011 forth letter
We received your letter of June 12, 2011 on July 6. In it you state that you’ve sent ” …a refund check for the credit balance…’on June 11, 2011. NOTE that there was an additional unauthorized incorrect access to my checking account for $ 283.00 on 6/6/2011. The total refund due is $3, 122.00. Also NOTE that its more than 30 days since you claim to have sent my refund check, but no check has arrived nor an electronic refund been received by us. Finally, it is more than 55 days since your agent agreed to send a confirmation that the account was closed with no outstanding balance, which has still not been received by us. It appears that you are unable or unwilling to process information/responses or refunds in a timely manner.
July 4, 2011 third letter
On 06-06-2011, following a telephone conversation with your agent, indicating that the account balance was $ 0.00, you submitted an ACH withdrawl of $ 283.00 (GE MONEY (PAYMENT) / Withdrawal-ACH-A-RSF GE MONEY (PAYMENT) (eff. date 06/06/2011 283.00) in error. This represents an additional failure of your notification system processes. CURRENT OVERPAY – REFUND DUE $3, 122.00.

NOTE: 0n 5/23/2011 your agent agreed to send a confirmation that the account was closed with no outstanding balance. As of 7/4/2011, no communication has been received for this, nor for my 5/25/2011 dispute letter.. This represents additional failures of your notification system processes.

May 25, 2011 second letter
GE failed to send correct statements so the bill could be paid completely within the promotional period. Then, they applied all payments to interest, nothing to principal, thus the account balance grows larger, despite on-time monthly payments.

On 5/27/2010 I called for the payoff date and amount for the promotional period. They claimed I was not listed on the account, so my wife called and corrected their records. I called on 5/31/2010 and again requested payoff information. The date provided by GE customer service for the expiration of the promotional was 04/10/2010.
I again requested copies of the transaction history for this account – the response was that it would take 30 days. It never arrived.

In response to several letters to their dispute department, I never received a response.

On 4/7/2011 I called and was twice disconnected by your CSRs. I requested the payoff amount and date for the new promotional period. The CSR could not provide the correct amount due, minus finance charges, nor provide confirmation of the total amount paid. I again requested a complete register of charges and payments The CSR indicated that it would be sent to me by 4/30/2011. As of 5/3 nothing arrived. I called again - Chanda in S.DAKOTA was unable to check that info is sent, and will not provide a name and telephone number for me to call.

GE continues to add on finance charges during this period. On 5/3 I called again. This time the supervisor offered to resend the account billing information, but could not follow up to ensure it will be received by me, nor do they have a contact name or address/telephone number for me follow up with.

0n 5/23/2011 I was twice disconnected by Phillippines CSR’s, and finally spoke with TEMPE, AZ Janine, who was to transfer me to an account manager. Finally, after of more than 60 minutes on the telephone, I spoke with S. DAKOTA Marie [protected].69. She agreed to waive the 2011 finance charges but only showed total payments of $3, 175.00 (when actual total payments equal $6, 014.00).
Therefore she showed a balance due of $ 6825 which I agreed to pay on 5/23/2011 to close this account. Since actual payments equal $ 6014, the actual balance due was $3986.00. Your company should have charged me $3986.00; however your company has overcharged me $2839.00, due to your incorrect information.

Correct information In-Correct information
Total Due 10000.00 10000.00
Total Paid $6, 014.00 3175
6825.00 6825.00
Grand Total $12, 839.00 $10, 000.00
Amount Overpaid $2, 839.00

Again, I called today and was disconnected when speaking with Jessica in INDIA, but was finally able to get through to Alicia in INDIA, Stephanie in OHIO, and Amanda in S.DAKOTA . None could resolve this overcharge, nor provide a name for me to address my complaint to.
Please send my refund immediately by return electronic transaction or certified check and confirm that this account is paid in full, and now has a zero balance.
David Karchem new email address. PLEASE USE MY GMAIL.COM EMAIL ACCOUNT.
THANKS,

David Karchem
/personal information removed/

ec: Office of Thrift Supervision

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July18, 2011 fourth letter
July 4, 2011 third letter
May 25, 2011 second letter

Re Account: CareCredit [protected] overcharge and reufsal to refund outstanding overpayments
July18, 2011 forth letter
We received your letter of June 12, 2011 on July 6. In it you state that you’ve sent ” …a refund check for the credit balance…’on June 11, 2011. NOTE that there was an additional unauthorized incorrect access to my checking account for $ 283.00 on 6/6/2011. The total refund due is $3, 122.00. Also NOTE that its more than 30 days since you claim to have sent my refund check, but no check has arrived nor an electronic refund been received by us. Finally, it is more than 55 days since your agent agreed to send a confirmation that the account was closed with no outstanding balance, which has still not been received by us. It appears that you are unable or unwilling to process information/responses or refunds in a timely manner.
July 4, 2011 third letter
On 06-06-2011, following a telephone conversation with your agent, indicating that the account balance was $ 0.00, you submitted an ACH withdrawl of $ 283.00 (GE MONEY (PAYMENT) / Withdrawal-ACH-A-RSF GE MONEY (PAYMENT) (eff. date 06/06/2011 283.00) in error. This represents an additional failure of your notification system processes. CURRENT OVERPAY – REFUND DUE $3, 122.00.

NOTE: 0n 5/23/2011 your agent agreed to send a confirmation that the account was closed with no outstanding balance. As of 7/4/2011, no communication has been received for this, nor for my 5/25/2011 dispute letter.. This represents additional failures of your notification system processes.

May 25, 2011 second letter
GE failed to send correct statements so the bill could be paid completely within the promotional period. Then, they applied all payments to interest, nothing to principal, thus the account balance grows larger, despite on-time monthly payments.

On 5/27/2010 I called for the payoff date and amount for the promotional period. They claimed I was not listed on the account, so my wife called and corrected their records. I called on 5/31/2010 and again requested payoff information. The date provided by GE customer service for the expiration of the promotional was 04/10/2010.
I again requested copies of the transaction history for this account – the response was that it would take 30 days. It never arrived.

In response to several letters to their dispute department, I never received a response.

On 4/7/2011 I called and was twice disconnected by your CSRs. I requested the payoff amount and date for the new promotional period. The CSR could not provide the correct amount due, minus finance charges, nor provide confirmation of the total amount paid. I again requested a complete register of charges and payments The CSR indicated that it would be sent to me by 4/30/2011. As of 5/3 nothing arrived. I called again - Chanda in S.DAKOTA was unable to check that info is sent, and will not provide a name and telephone number for me to call.

GE continues to add on finance charges during this period. On 5/3 I called again. This time the supervisor offered to resend the account billing information, but could not follow up to ensure it will be received by me, nor do they have a contact name or address/telephone number for me follow up with.

0n 5/23/2011 I was twice disconnected by Phillippines CSR’s, and finally spoke with TEMPE, AZ Janine, who was to transfer me to an account manager. Finally, after of more than 60 minutes on the telephone, I spoke with S. DAKOTA Marie [protected].69. She agreed to waive the 2011 finance charges but only showed total payments of $3, 175.00 (when actual total payments equal $6, 014.00).
Therefore she showed a balance due of $ 6825 which I agreed to pay on 5/23/2011 to close this account. Since actual payments equal $ 6014, the actual balance due was $3986.00. Your company should have charged me $3986.00; however your company has overcharged me $2839.00, due to your incorrect information.

Correct information In-Correct information
Total Due 10000.00 10000.00
Total Paid $6, 014.00 3175
6825.00 6825.00
Grand Total $12, 839.00 $10, 000.00
Amount Overpaid $2, 839.00

Again, I called today and was disconnected when speaking with Jessica in INDIA, but was finally able to get through to Alicia in INDIA, Stephanie in OHIO, and Amanda in S.DAKOTA . None could resolve this overcharge, nor provide a name for me to address my complaint to.
Please send my refund immediately by return electronic transaction or certified check and confirm that this account is paid in full, and now has a zero balance.
David Karchem new email address. PLEASE USE MY GMAIL.COM EMAIL ACCOUNT.
THANKS,

David Karchem
/personal information removed/

ec: Office of Thrift Supervision

signed complaint attached

I have only one thing to say about Care Credit. They have very unfair practices. As a former cardholder, my account was up to date and paid off. I had a Joint Account with my mother. I had to have oral surgery to which I charged a little over $1700.00 on my Carecredit. I made payments then decided to pay the balance off in full. A month after I paid it off, just because I had not used the credit line ($5, 000) in over a month, they all of a sudden decided to close my account, for no good reason. And then they gave me some lame excuse saying all of a sudden that I no longer qualified for credit from them and that was AFTER I paid the balance off in full. Excuse my french but that is BS, and very unfair, like my money isnt good enough for their damn company. They then gave me another lame excuse saying they had to close my account because we both had to re-qualify? WTF? why? My account had been open for a year and a half and now they were saying we did not qualify and my mom was making $5, 000 a month and I am Self employed and making about 1000.00 a month. The people who run this company are nuts. If 5, 000 a month all of a sudden doesnt qualify me for a credit card then there is definitely something wrong with their thinking. Either that or my money just isnt green enough for them.

And Now that I am making even better money, I cant find anyone to give me any credit to have my teeth fixed and I need oral surgery bad and I have to have IV Sedation to have my teeth worked on. I need all of my teeth taken out and I need dentures, the kind that snap in. I have a very bad credit score because of bills I havent ;paid from years ago. If there is anyone reading this that knows of a company that would be willing to work out some payment arrangements with me as far as financing for oral surgery or dentures goes, would you please contact me at : [protected]@yahoo.com. I am in the Tacoma, WA area. I am a female.

Care Credit is a company that relies on "changing rules" as it is convenience for them. They changed the services agreement without asking me so I ended up paying interest over my balance. This is what they do: once you have signed for the specific period of time to pay you balance 6, 12 or 18 months and set up you automatic payments...they change the period without consulting you. When you call to find out why there are interest to pay (when the interest should not be there in the first place) in your account... they put the blame on you saying you should read the fine print on your statement every month in case are changes! If you keep arguing they hang the phone on you. Be careful with two customer representative that are trained to be RUDE Alisha and Amanda ( very low skills but big mouth)

I closed my account. Please, be very careful if you want to use this company services.

I have been recieving phone calls everyday some time 5-6 times a day, for just paying a partial bill, and now they have turn me into collections for non-payment. I have not missed a payment yet, sometimes only a partial gets paid but they still get PAID. Just another great tax free company having foreginers answer the phone. India and the phippeans are the only ones I get to talk to. horrible phone connections and the center in india does not even tell you that they are recording the call just a bunch of dead spots and beeps.

Their Promotion states interest free as long as pay on time. To be used for Dental Care. How ever not so. Reality is they charge 29.99% interest from time you use it. They have the Doctors sale this to their patient. The Doctors are being used with out knowing of it. So great harm is done to the patients that are trying to get dental care. This company needs to be shut down by the Federal Goverment . This type of act is causing many people to file bankgrupts for the patient cann't ever get out of debt from this company. This is a crimial company and operating policy of theirs. DO NOT SIGN UP FOR THIS! CREDIT CARE ISN'T THERE TO HELP THE PATIENTS IN THEIR TIME OF NEED! THIS COMPANY General Electric Money Bank that runs this credit line. Is only interested in getting as much money out of the patients as it can get away with. They only care about their stock holders only not the people of the United States. Bottom line they are stilling from those who need help. I hope congress gos after G E now for their wrong doings and CNN investigates these guys and shows the public what they are and have been doing and still are doing to so many people in America.

I just spoke top "customer service" on GE money bank because m August payment of 3times the required amount did not post on my billing statement and they charged me a $25 fee for not making an August payment – the amount due was $43, I paid $150. The first person I spoke to said it was because my July payment was late – they received it and posted it 4 days later; after my due date. This is of course my fault. She transferred me to s supervisor – all her own idea – who may be the snottiest, rudest, most obstructive woman I have EVER spoken to – and I used to do telemarketing. The fist thing she said – I am not kidding – was “Why exactly did you think you needed a supervisor?” It got worse from there. The jist of it – if I get this right – is I was charged a late fee for paying early; they will NOT credit overages as payment until the end of the billing cycle so it oes not appear on my statement; you cannot have an updated statement (the automated phone message says you can); and I cannot change due date so I can actually pay the bill in a timely way for me instead of having to artificially delay my payment until their due date to avoid a late fee (?) I have to receive the bill - hold the bills for at least a week - then pay it or it will credit to the previous billing cycle and I will get another late fee. Even though I am paying two and three times the amount due, the compnay will charge me a late payment fee every month my payment is not posted - on their end - on the 7th or 8th.

Medical emergencies bring out the best in some, the worst in others. Well, needless to say...CareCredit brings out the obsolute worst! Simply and to the point, they take advantage of patients in a bad situation. CareCredit.com are vultures – and if you can avoid dealing with them, I advise making whatever effort is necessary to do so.
CareCredit.com has signed up medical providers – not just MDs, but dentists, therapists, and veterinarians. If you have a huge medical expense, and can't afford the entire amount, chances are your medical provider will probably mention CareCredit.com and their wonderful three- or six-month no interest plan. Well, I had an overwhelming amount in dental costs and my dentist suggested that I apply for care credit for part of the amount. When I called them, they were EXTREMELY pleasant! I was approved during that very phone call. I have excellent credit...but needless to say, that was NEVER even checked.

The concept sounds very much like an act of mercy, guaranteeing that people who are in desperate need of funds to pay for their medical procedures will get the help they need.

CareCredit.com is actually GE Capital (the same people who made your ‘fridge lend out lots and lots of money). They’re not in it for altruism – they’re in it to make money – and make money they do. HOW? BY LYING TO YOU!
This is not a loan, it’s a credit card – in a few days, a MasterCard appears in your mailbox. In theory, you can use this card to charge more medical expenses. What’s different about this card is that, unlike all those offers you’re getting in the mail every day, the interest is GETTING ADDED EVERY SINGLE DAY at the maximum amount allowable under the usury threshold of 24% APY.

That vaunted “interest-free” period is only “interest-free” if you pay off the entire bill within the no-interest period. Pay off all but A FEW BUCKS and you owe interest on the entire bill.
MY STORY!
In my case, CareCredit.com never bothered to send me any form of information about the account AT ALL. Sure, they got the card to me, but nothing else. They’re never sent me any information about the payment plans, and more to the point, they’ve never sent me a BILL!
I had less than $3, 000 left to pay on the card, which I would have HAPPILY paid the entire amount off to avoid the "ACCRUED INTEREST" if I had been advised. My dentist called up to add $9, 000 to the card and asked if he did so, would they extend the promotional "interest free" rate for an additional 12 months. THEY GLADLY AGREED! Well, one day, I go online and notice that they are charging me interest. I called and not only was the customer service agent extremely rude, he proceeds to insult my intelligence insulted by stating that I should learn to read. I'm sorry, last I checked I have my PHD! I am quite certain I KNOW HOW TO READ! This comment coming from a customer service rep who probably gets paid minimum wage at best. I learned that I was now being charged over $3, 000 in ACCRUED INTEREST! This after being told they were extending the promotional period due to the additional balance. IS THIS EVEN LEGAL?!?!?!?!?!?!

My Advice ...Avoid these people like the plague! THIS COMPANY IS A SCAM! Not to mention that their customer service representatives are incompetent (if not merely stupid) and worse yet, LIARS!

Four years ago I took out a credit card for my mom because our dog needed surgery in order to live. So I went ahead and took out the credit card that the vet had suggested. Come to find out because of my inquiry as to why I was still paying on it when it did no exceed $1500 I found out that I was locked in at 26.99 percent interest. There was no way that I would pay this off within 10 years had I not taken my money out of my savings and pay it off. I am not impressed with this company what so ever not only are they targeting people in a stressfull time but they are taking full advantage of people. I canacelled my card the second I new the payment went through and plan on never going back, however I beleive people need to know about this company and how they are sucking money out of you knowing full well that it will never get paid off within a decade.

I had Lasik Surgery 2 years ago and financed through Care Credit with no interest for 2 years. So i paid all my payments on time sometimes more than the minimum. So i knew my 2 years just past on April 5th so i thought they would start charging me interest on what my balance was. I checked on the web site to see what my account balance was and i was shocked to find that if i did not pay the amount in full by April 5th they would charge me all the interest rate for the 2 years i had no interest. 1400$ IN interest. I am so discuste with this company. I Sobbed when i saw this, i had no i dea they could do this. I called the company which is GEmoney and the first girl some how i was disconected from then the second lady was so mean to me. I cant even explain how horrible she treated me. I tried to see if i paid the amount in full by borrowing the money from my mom maybe they woul take some of the interest rate off. The lady was so uncompasionate and rude to me. I asked if there was someone else i could talk to and she said "nope" she was a manager, but i could write a letter. So i asked her what i should write in the letter. She said it so sarcasticly " write in the letter how you think we should BEND OUR RULES for YOU, even though we gave you 2 years to pay it off and you did not". The conversation went on and on and she did nothing but be rude to me and proceed to tell me if i did not pay the amount by the end of the month they where going to charge me another 26% on top of that. Then in the back ground there where people laughing and you could tell that she said something to them and they where laughing at my situation. After we hung up the phone i was so upset i called back to speak to another manager she was nicer and apologized for her co workers rudeness but still there was nothing she could do.

SO now i am stuck with this 1400$ interest and more if i dont pay asap.

Do not TRUST this company they are mean deceiving people who are trying to scam you for your money. I am so hurt becasue i am a single mom who barley makes it financialy anyways, and now to top it off i get this new unexpected outrageous bill.

I wanted to post this because i don't want anyone else to fall victim to this company. Please advise your family and friends to beware of these sneaky money cheating people.

I had Lasik Surgery 2 years ago and financed through Care Credit with no interest for 2 years. So i paid all my payments on time sometimes more than the minimum. So i knew my 2 years just past on April 5th so i thought they would start charging me interest on what my balance was. I checked on the web site to see what my account balance was and i was shocked to find that if i did not pay the amount in full by April 5th they would charge me all the interest rate for the 2 years i had no interest. 1400$ IN interest. I am so discuste with this company. I Sobbed when i saw this, i had no i dea they could do this. I called the company which is GEmoney and the first girl some how i was disconected from then the second lady was so mean to me. I cant even explain how horrible she treated me. I tried to see if i paid the amount in full by borrowing the money from my mom maybe they woul take some of the interest rate off. The lady was so uncompasionate and rude to me. I asked if there was someone else i could talk to and she said "nope" she was a manager, but i could write a letter. So i asked her what i should write in the letter. She said it so sarcasticly " write in the letter how you think we should BEND OUR RULES for YOU, even though we gave you 2 years to pay it off and you did not". The conversation went on and on and she did nothing but be rude to me and proceed to tell me if i did not pay the amount by the end of the month they where going to charge me another 26% on top of that. Then in the back ground there where people laughing and you could tell that she said something to them and they where laughing at my situation. After we hung up the phone i was so upset i called back to speak to another manager she was nicer and apologized for her co workers rudeness but still there was nothing she could do.
SO now i am stuck with this 1400$ interest and more if i dont pay asap.

Do not TRUST this company they are mean deceiving people who are trying to scam you for your money. I am so hurt becasue i am a single mom who barley makes it financialy anyways, and now to top it off i get this new unexpected outrageous bill.

I wanted to post this because i don't want anyone else to fall victim to this company. Please advise your family and friends to beware of these sneaky money cheating people.

BE WARNED: DO NOT GET A CARE CREDIT CARD! I signed up for a No interest for 18 months care credit card and when the 18 months were up I had about 1, 000 left on my card and they hit me with a interest payment of over $520 with my limit being only 15000. Of course this added on an over the limit fee and now my interest rate is over 20% monthly. So now I'm trying to pay down the outrageous interest fee and late payment AND my monthly fee. The crazy part is they did not send me ANY notification about the interest payment! I closed my account which hurt my credit and reported them to the BBB. Its crazy! DO NOT GET THE CARD!

I had a care credit account that I have been making payments on for quite some time. I was laid off from my job around 2 years ago. I was still able to make payments while on unemployment so I continued to do so. Now that unemployment is coming to an end and I have not been able to locate a job, It is getting harder to pay my payments. The protection plan I have would wipe out the debt if I am on unemployment. But they hit me with a twist. Since I didnt notify them within 1 year of becoming unemployed, they will do nothing for me. So I get penalized for trying to fulfil my agreement to pay my debts while unemployed because I didnt tell them sooner? I tried to do right by them and they hit me for it. This to me is ridiculous and I would tell people not to bother with the protection plan because it does not benefit you at all.

So I just finished paying off my account balance with Care Credit. We needed a little financial help when our dog got the parvo virus. Banfield Pet Hospitals offer Care Credit to customers who have huge bills with them. I only asked for $500 and received that amount through Care Credit. The total bill was around $2, 000, which we paid all but the $500 from Care Credit - this was in October 2010.

First statement came and I paid off half of the balance. Second month $10 more than the minimum and so on until today when I paid off the entire amount.

I checked my credit report and CARE CREDIT added a negative to my report. I called them back and was told that it is 'standard operating procedures' when there is an open balance on an account. Not a LATE balance.. an OPEN balance. So, my credit dropped 200 points because of this a-hole company. It is the ONLY thing on my credit report. I asked them to remove the negative status on my credit report since I paid off the balance and was told they could not do that. So now I have this negative hit on my report for SEVEN TO TEN YEARS. I am starting a dispute with Equifax, but I don't have high hopes this is going to be fixed after spending over an hour on the phone with them.

Needless to say, I'm pretty upset and angry.

Never, EVER use this company. I was never delinquent on a payment and I always paid more than the minimum and they screwed me. It's not worth it. I feel taken advantage of because our dog was dying and it was like "Do this or your dog is as good as gone" type of situation.

Pawn a wedding ring next time!

I have great credit. I opened up a carecredit account to get laser eye surgery since they had a promotional period of 0% for 2 yrs. Why not, I'll just pay with my health savings accounts. Well, care credit is the worst company EVER. i can't pay on my bill online with my debit card (its a credit card number not a normal checking account since it's an HSA). *** online functionality. Also useless customer service reps can't do anything to help me. I call every month to make a payment and have to speak to some to get the reversal since it's a phone payment. Not even a function to email my concerns but have to stay on the phone to talk to no action employees. I will NEVER use CARE CREDIT OR GE MONEY ever since this is the worst experience in my life.

The account is my daughters and they call my house at all hour...as late as 10:30 at night.IT IS NOT MY BILL...Stop calling me 25 times day and night...my attorney says to go to court for harrassing me... I will send payments for my daughter but i cant get her account number?/ Help me or LEAVE ME ALONE Give me her account number or send me the bills or work with me somehow. She does not even live near me and our names are different i have told every ignorant bill collector about this and they say they will take my number off and within 1/2 hour they call again.

I went to Gentle Dentistry of East Aurora NY for an exam. There was going to be some work done on my teeth. I agreed to pay when each procedure was done. All of a sudden, in the mail. I get a GEMB/CARE CREDIT CARD. I did not apply for it nor did I want it. Seems Gentle Dentistry applied for me . I do not want this CARD I wast if cancelled and any Cash Limits on erased. I am livid with these two Companies. They should be made to stop using these Credit Cards .

Yesterday I called GE CareCredit I shocked to know that I still owe $2000.00 I will never pay this off GE Caredit is a scam I wanted ther e address I wasn't able to get that on the phone or online. And when I talked to a real person she was rude, like she was the customer. All I want is for them to lower my interest rate, they getting rich off poor people. I challege Ge Care Credit to call me.

I was approved for Care Credit almost two years ago.
I paid off the dental bill prior to being charged interest under their promotional period. Apparently, too quickly for their liking. I was never once late with my payments.

After not using my Care Credit account for about a year, I opted to use it again in order to keep the account open. Having "account closed by creditor" on your credit report isn't good, even if it was closed due to inactivity.

Since making the mistake to using Care Credit again, I've been living in a nightmare. Someone posted about the representative named Kyle, employee ID 74222. Apparently, they are still paying him for delivering horrible customer service. He was the third person with whom I spoke, and apparently, he doesn't have a manager/supervisor/director. Intriguing. I work in a call center, and my supervisor has a manager, who has a director. Every employee has another person who's higher in rank than they.

Anyway. I've attempted to pay Care Credit twice. The only way I knew anything was amiss was because collection calls would begin. I've used the same checking account to pay them now as I did in the past for the dental bill. Nothing has changed; the online system even stored my account information.

I was informed my account number is incorrect for my bank. Care Credit has claimed this twice. I've verified with my bank that everything I am inputting has been done correctly. I strongly believe that Care Credit is not even processing my payments at all. My bank has no record of them even making the inquiry to withdraw money. I am certain they are issuing late fees and returned check fees in order to get more money of consumers. I don't see how this is ethical. Nor do I understand why the BBB gives them an A+ rating.

You go to the dentist and she wants to do an expensive procedure that isn't covered by insurance. When you balk at the price, she has a cost effective alternative - CareCredit. DON"T DO IT - IT IS A TOTAL SCAM.

I needed a $2, 293 program for my gums. When I said it was too expensive, she came up with CareCredit. According to the paperwork (that I have in front of me now), I would be able to pay for the program over 24 months, interest free. It would cost me just $95.54 / month. She explained that if I hadn't paid it off after the 2 years, I would owe the deferred interest at 19.99% annual rate.

Knowing I could easily afford that, I signed up. Big mistake. The pamphlet CareCredit put out is very carefully worded to mislead. In fact, everything about this operation is designed to mislead. The pamphlet shows that they offer 3, 6, and 12 month promotional periods of 0% interest and longer periods at 11.9%. The brochure implies that if you are not in good standing, you get a 22.98% interest rate slapped on.

Here is what really happened to me. I got my CareCredit card with the opening charge of $2293. I began paying it off, $200 per month. That was over twice the rate I needed to pay it off over 2 years. I set up an auto-pay and after verifying that it was working, decided to just forget about it and let it run till it was paid off.

In reality, it didn't work like that at all. After 3 months, the promotional period "ran out" and I was back charged $167 in deferred interest. And then I started accumulating interest on the balance at the punishing 22.98% rate. Just for the record, my credit score is 782-790 and I have an interest rate of 8.9% on my Visa card. I pay off my credit car in full every month.

CareCredit is a dishonest money making scheme. The entire operation - from the way local medical professionals sell it, the brochures that are handed out, the manner in which customer service operations, and the way in which the program is run is all about deception. You are led to believe you are getting one thing when, in fact, they are setting you up for punishing charges.

I find it shocking that a company like GE puts their good reputation on the line by operating this fraud. The executives of GE Money Bank should be investigated for wrongdoing and thrown in jail. This is a total scam.

When I signed up for the Care Credit card from GE, the intention was to use it to cover vet bills for my cats. They offered an Account Security plan that would allow me to erase my debt completely, for whatever reason, without having to pay a dime or without having a bad mark on my credit score. I decided to enable the service.

1. I signed up for this option through GE Care Credit.
2. Account security is an all together different department.
3. Only the Account Security people can cancel or make changes to the option.

When I called to enable the account security (of which I pay for every month mind you), I first called GE. They told me to call acc. sec.. I called acc. sec. and they told me that I don't have the service. It seemed to be cancelled yet I was still being charge for it. They told me they would refund my money back into the card. Simple right? Wrong. I never gave them permission to cancel the option. I was never informed that the protection was cancelled. No one called, emailed, of wrote to me of any changes. When I got in contact to find out what was going on, GE told me the protection is still on my card. They don't understand what's going on. Acc. sec. are clueless as to what happened. One department is blaming the other for the screw up, and nothing is being done about finding out the answer.

I have been going back and forth with these ###s for about three days now and know one seems to know how this all happened. Worse yet, they two companies will not call each other to find out what is going on. Supervisors, in both companies, are a complete joke. None of them could help. No one wants to take the blame or do anything about it. No one can answer my questions. No one is capable.

I originally wanted to enable the protectin since I am on unemployment and my check has been cut back. I have tons of debt, but I'm still able to pay my bills. I want to try to eliminate whatever I could to make it easier for me. Since this card supposedly gave me the option to do that, I wanted to take advantage of it. Obviously, they are giving me the run around. It seems that they don't want me to enable the protection, either that or someone screwed up big time and no one wants to claim responsibility. I don't want this debt or this card anymore. I'm thinking of hiring a lawyer if this is not settled by next week. Or maybe I should contact the news media, since they're always will to help a viewer in need as long as a story comes of it.

Stay away from this credit card. It's a joke.