GE CareCredit

I lived in Oklahoma City. I worked at a doctor's office. I called and applied for care credit so that I can get upper dentures because of osteoporosis. They charged my card, maxed it out. I had to take my 2 girls and move back to WV in an emergency. I was admitted in hospital. The dentures do not fit, fall out and I have to use Fixodent 3-4 times a day which is dangerous. I would like a response to take only the work they did off my card and refund the rest, so I'm able to get my teeth done. I have 3 different dentist and orthodontist opinions. I already have a lawyer. Please use this option so we can settle this fair and easy. Thank You.

Each time we used the card, at two different dentists, they allowed the dentist to change the terms of our agreement. I had it set up on flat pay plan, and they allowed a third party to change the contract we had with them, that cost more. The monthly payment goes up, and you have no control of your agreement with Carecredit, who are also known as GE Money Bank and J C Penny credit. Just in El Paso, Texas, they have 1,720 complaints againest Carecredit/GE Money Bank.

I have made payments on: 9/21/2011 for $1000.00, 10/19/2011 for $54.64, 10/24/2001 for $165.36 and 11/28/2011 for $500.00. I made these payments in good faith thinking I was paying off a credit card. I really don't know where this money went and who is receiving it. I had my high rate card changed to CitiBank with 0% financing to pay off this bill quickly. Please help recover my money. Thank you!

I had dental work done and financed with Care Credit. When I tried to pay the balance over the phone before there would be a finance charge, I was told I could not use an ATM card to pay the account. I was told that I had to send a check with the payment coupon. I asked for the balance and wrote a check. A few days later, I received the check back with a letter stating it was not enough to pay off the account. I again called and was told that I now owe another 700 dollars, and I can send a check, but there will be daily charges until they accept the final payoff.

The people at the phone number provided refused to let me talk to a supervisor. After repeated calls, I gave up. I then received a call from someone at their number, telling me they know where I am. This is very close to loan sharking. A month later, I am still trying to pay this off. I have written registered letters, which they signed for, with no response. I am very concerned about continuing to do business with these people. I would warn anyone that has any medical procedure done against these people. If you know of anyone that has a class action lawsuit against them, please contact me.

This is my second complaint with GE CareCredit since the first one has not been answered, as I did ask for a reply to have this problem taken care of and it looks like there has been a lot more people complaining since mine, and I would figure their office would have acted on them by now.

I applied for credit to have my dog's leg repaired. The loan wasn't supposed to have an interest rate for 6 months. I tried to make my payment several times via their website and was not able to do so since their site was down. I finally got through to them on the phone to explain the situation and their response to me was there wasn't a problem with their site and they were going to charge me late fees and interest. I explained again that I tried to pay and their site wouldn't let me, and the response I got back was that's not their problem. I told them at that point that I don't appreciate being ripped off and that I would not make any payments at all if they did not remove these charges. Again the response was that's not their problem. Now they have attorneys contacting me. In my 1st complaint I asked to have one of their office lawyers to call me and to this day this has not happened. I would really appreciate having one of their lawyers contact me ASAP please, as not only is GE Care Credit wrong for, as you can see, all the people they are ripping off, it's also wrong that we come to you for help and we don't get it. I would also like to have anyone else who is getting ripped off by Care Credit to email me and put together a multiple lawsuit against them. If several people come together, we can beat them.

I started out owing them $4,000 in January. Now, at the beginning of October, I have paid that down to $1,770.70 in just nine months. The minimum amount they want you to pay every month is $95. I know of no other creditor that requires you to pay that high of a minimum every month. That said, paying the minimum would have only added up to $855. I have paid about $2500. There is a couple hundred dollar difference between what I have paid and what I owe due to interest. I had an extended period of unemployment. I have recently been hired for a new job. But the job does not start until the 10th of this month. Due to my extended period of unemployment, I have very little in the bank. For just one month, I would like to pay my Care Credit bill by credit card. But they absolutely refuse to let you pay by credit card. I also do not understand why the monthly minimum is still as high as for $1770 as it is for $4,000. I just want to pay once by credit card. By the following month, I will be working and earning enough money to, once again, pay my bill through my bank account.

I have never in my life missed paying a bill or a credit card payment. But, unless something changes real fast, I will do so now. I'm afraid of, not only having my credit rating and history negatively affected, I am afraid, Care Credit will go out of its way to punish me with astronomical interest rate increases. There was a payment owed of $95 on 9/9. I paid $200. I then paid $125 on 9/14. This payment was after the 9/9 due date. I thought it would be credited to my next bill. But they backed it up and credited it to the 9/9 bill. This company has a lot of consumer complaints against it. But I found this out much too late.

I received a letter from your company stating that I applied for something called CareCredit, which I never applied for credit with your company. Someone stole my information and used it to apply for credit. Please notify the three credit agencies that you use that this is identity theft. I have tried to notify them but I got nothing. Thank you.

The payment calculator is misleading on their website. Payment plan shows no interest for 18 months if you pay $283.00 per month. I have automatic withdrawals every month, so I never missed a payment. After one year ,GE charges my account the amount of $1106.84 as finance charge. I called and talked to GE and they said those payment plans are an estimate. I explained that this is very misleading. They charge interest on the past year and future balance.

I called CareCredit a couple of months ago to find out exactly what had to be paid before promotional 0% interest ended. I was provided one date. I was also informed that all payments went to promotional period first. I was told I had one promotional period. Made a payment for what was showing as promotional balance. Now it is showing a different amount. I have been told on 08/16/10 that I previously had two promotional periods, but I wasn't told that when I called to check balance. Now I'm being told that I have been charged interest on the account since January and that one promotional period had ended when I was informed that I only had one promotional period. I was interrupted multiple times by this associate and talked to very rudely.

I was informed that there wasn't anyone higher up than him to speak with at that number. He only gave me first name and ID #, which is **. I have tried to pay online multiple times in which their system was down and said they couldn't accept payments at that time. My last payment actually wasn't posted until 2 days after the due date due to this reason as well. Inaccurate information was relayed to me in which I based my payments on.

I have had one promotional period that apparently was for only 6 months when I was informed that I had 1-12 months promotion. I have been charged interest on my account since January 2010. They tell me that this has been on my statements, but I did not see it on them and I make the payments online. This company is not worth the time it would take to talk to an attorney. I have been told multiple different responses, which looks as if their employees or some of them did not know what they were talking about or found it amusing to lie to someone. I will be paying this card off soon and would not and will not recommend this to anyone. I was told there wasn't anything that could be done about this. Felt that someone should investigate this card company. I had seen multiple negative comments and posts regarding this company after I took out this card. Now I see why.

It's not what has happened, it's what is possibly going to happen, and that is the same experience I have read in all the above complaints. Why is this company allowed to get away with this and why is it not a requirement that dentist office explain the whole thing to you? If I knew all of this beforehand, I would have just used any credit card in my possession, and worried about interest rates, time and so on later. Anyone have any suggestion to stopping this hell before I start making payments?

I have 2 different bills on one statement, yet the first one which was a vet bill of over $800 with no interest to be paid in full in 6 months. The other, the higher of the two of course, is the dentist bill of over $2500 with interest. Someone please explain to me why that is? Why have I already been charged over $28 in interest, before I have even gotten the bill? And how do they decipher which one I am paying off, which naturally is the no interest account. If I were to pay it off by the minimum, I can honestly tell you, I would be dead before that happens.

After more than 3 years with your company, I sadly have an issue with your customer service. I called in last month and spoke with a woman (didnt take down her name because she didnt personally make any physical changes to my account) and asked if I were to use my Care Credit card for $4,500.00, would Care Credit be able to put that amount in back of my remaining balance, so that I could start payments when my last loan was paid off?. She said that this process was called allocation and they could do so BUT I would need to call back after I used it due to the fact that no current charges were in front of her. I called to verify this because I needed to have ear surgery prior to my 3 year school commitment and had NO other time to have such a procedure done, but currently would not be able to make any payments other than the payments I owed at that time. I did advise her of this and she confirmed I could do so.

Well, to my surprisewe received our bill which had our old loan amount of approx. $170.00 + my new loan amount of approx. $105.00!! This was SO upsetting!! I could NOT pay this amount unless I went without EATING that month! Again, I called C/S and spoke with yet another gentleman whom did not want to give his name and said there was nothing they could do about it and that I would HAVE TO pay for it. He transferred me to his supervisor very quickly. I then spoke with a Steve (said his I.D. was 74202, this time I asked because I was ENFURIATED by this point) whom claimed to be his supervisor.

I explained (AGAIN) my entire situation and that I called PRIOR to services rendered because I could NOT pay more than my first loan amount of approx. $170.00 but the surgery was needed due to school and that I was assured it would be ok to do so (as mentioned above). He was extremely rude, cold, and literally made me physically ill with the way he spoke to me. He advised me that there was NOTHING they could do and no one should have told me such things. He proceeded to tell me that if I choose to either not pay, or pay anything under the minimum payment, that I would be sent to collections. He also advised that I could not speak with anyone else within the company and I verified he was the highest management within the company, he agreed and gave me the El Paso address so I could send a letter for my file (?). I thought, wowI called frantically scared trying to see what Care Credit could do for me and instead of someone maybe looking into what happened, I was being THREATENED!!

I was transferred way too quickly for him to have any of my info in front of him so he did NOT even give it a try. SAD! Years of making payments (on time) with Care Credit and this is the service I get. Its SAD that your company obviously spends no time in training your employees or making sure that they are taken care of. God forgive me, but your company will crumble if that continues.

I dont know what the end result will be but I am WAY TOO SCARED to EVER use your services again. PLEASE, no matter what your response is, send it in writing, as well as a common courtesy phone call. I would say that a response is at least expected.

I just hope this would be of some help. I have contacted your customer service and their superiors and was conveniently answered "There is nothing that we can do."

This is what happened. I am a student who took this loan of $3000 from a dental clinic for my dental work and was given this 0% interest rate. I am sure you are aware of what is happening with those promotions. I set up an auto payment in the account and never actually got the statement in hand. I have just noticed a finance charge of $698 in February followed by a monthly $70. I thought I am just left with 50% of the amount paid. Now, I owe close to the same amount I did a year back.

Please, I have just survived out of a fire accident and had a big financial loss already. This is just going to make it worse and might even kill me. Help me.

I signed up for a payment plan through my dentist office for an elective Invisalign treatment. The dentist office promoted the payment plan through GE Care Credit as pay $208 over 24 months interest-free. That was all the dentist office told me, so I signed up through Care Credit. The statements I received showed a minimum amount due of $140. This is $68 below what I should have been paying in order to avoid interest. Nowhere on the statement does it show a payment amount of $208.

When I called Care Credit, I was told that it was up to me to "do the math" to figure out what my monthly payments should be. The annual percentage rate finance charge is a staggering 26.99%. At the $140 payment amount they show on the statement, it would take me 24 years to pay off the balance, and I would end up paying an estimated $16,436 versus the original $5000 for the dental work.

This is extremely misleading, and Care Credit told me it's up to the dentist office to tell me about this. My dentist office claimed no one from Care Credit ever told them this is how they bill their patients/customers. This is a scam and is leading people to pay less than they intend to, so that they will end up paying interest.

I opened a CareCredit account as a last resort to pay for dental work I needed. I have also used it for my dogs. I was paying on the account and doing just fine until I lost my job in October of 09. It became very difficult to make ends meet! I tried to get CC to put me on the program they have that pays your balance when you become unemployed but they said I didn't qualify! My interest is 29.99%. Finance charge is $45.88. Minimum payment is $141. Past due amount is $70. I am over the limit on this by $508.01. They wouldn't even consider me for their "hardship" program. I have to pay off the over the limit amount first! I am only able to make the past due amount. They also hound me by calling even when I have payments scheduled in advance on their website! This company should be put out of business! They don't help. They hurt the economy!

I am not trying to get out of paying this but when my personal credit cards and other lenders are working with me by putting me on plans, lowering interest and payments, it makes me very angry each time I have to deal with CC. I am not an angry person. Financially they are making it very difficult to keep continuing payments, and how am I supposed to pay when they aren't flexible? I can't catch up!

I had LASIK surgery performed in July 2009 and was offered 24 months same as cash with a monthly minimum payment requirement of $85.00. The amount to cover the LASIK procedure was $3568.30. I am paid once a month on the 15th. I requested that Care Credit change my due date to accommodate my pay schedule. They initially did not accommodate my request and added on late payment charges for the months of September and October (payments were received by Care Credit on September 23rd and October 21st for $144.68).

In early February, I received my statement showing Care Credit added on $432.03 in finance charges. Upon contacting the company, Amanda advised me that this was added on due to the late payments. Amanda then told me that I would have had to reject the charges by closing the account prior to the finance charges being added. I have now cancelled the account and sent payment of $2527.04, which was received by Care Credit on 2/8/2010 (I overpaid the original amount financed by $145.00 plus 2 late charges). Care Credit now shows that I have a $287.00 balance. I would have been much better off just paying for the procedure.

I had a Care Credit/GEMB account that was opened several years ago and never used. My misfortune was forgetting about the account and not cancelling it myself. Today without warning I was delivered a letter from GE Money bank that the account had been closed and was being reported to Equifax as closed by credit grantor. This will appear as a negative on my credit rating for an account that was never used in the first place. Times are hard enough as is during these times and yes I have been struggling to keep my head above water and do not need this type of added stress on my already troubled credit rating. Is there help anywhere that I can get with this matter?

I was sick with bronchitis and pneumonia I also did not recieive my updated bill I have been harrassed every day about not getting a payment I explained that I did not get my updated bill at the end of October and I was bed ridden because of illness but I still am being harrassed my credit is very good and I have contacted a lawyer to get a hold of them for me but I cannot find a address to reach them they used to call with a number visible but since I tried talking with them now they call with a 0 showing they will get paid I told them but no one listens to me

Well I'm from Galveston, Texas and we just had a Hurricane here in September. I had tried to call The Care Credit Card People but could get no one. Now I've paid my bill very very faithfully, and then I get a letter from them say they have lower my credit. I really didn't ask for this, but my Dentist help me out until i got funds to pay my bill. my things is i just wish I could talk to a human being instead of voice mail.

i was at work and my minor daughter called and said her puppy had gotten sick and that she was at the vets . she said she needed my information to treat the dog and that i didnt have to pay . i thought it unuasaul put i gave her my information and now i am recieving bills for 4000,00 dollars can they do that ? i did not speak to any one and did not sign any thing saying i would pay for treatment

When I applied for credit, I was called by one of GE credit representatives and asked what my ex's birthday was. I questioned this, as I am not married to him and was very upset about this, as I have gone through a horrible divorce from him 8 years ago and he was very abusive, physically and has already attempted identity theft against me with his current wife.

I do not know what to do about this. Please help.

Third month, they finally credited my three payments. But no refund of those charges. They also reported to creditors I was 60 days past due. And as you see, I was not. Worst credit card I ever had. I still owe and want to pay it off. I still owe about $140. And they charge me 23.99% interest annually. They are crooks. As a result I won't even buy a GE light bulb. My credit score has dropped like a rock from 812 to now 610. I have had a good $140 in late fees and interest when they failed to credit my payments.