Synchrony Financial Reviews

I made an automatic payment to my account so that I could pay off an old procedure and have another one done. The payment cleared my bank the next day, but is still unavailable. Who in this day and age holds money for a week or more on an auto-withdraw from my account? No one is willing to talk or help me.

I am actually very angry at this point with CareCredit. I cannot accept their apologies anymore at this point because it's gotten ridiculous! I had a procedure done on November 4, 2012. In August 2012, I had called to request a due date change from the 16th of every month to the 28th because that's when I would be able to make my payments. In November, I charged my card and thought to myself, "Okay, so I changed the due date to the 28th so I'll be able to make my payment on time!" No, that was not the case! It took CareCredit 6 freaking months to have a simple due date changed! It took several calls and complaints until they finally changed the due date, which didn't take effect until this month of February 2013.

In the summer of last year, I needed to get some dental work done. After my insurance covered most, the bill was still $800. They said if I wanted, I could sign up for Care Credit and use that to pay it. I asked them what the interest rate was. And they said, "No interest for 12 months." I thought that would be perfect because I could make a low payment and still have it paid off before the interest kicked in. So, all this time, I've been paying the minimum which would be paid off in 12 months.

I have an account with these thieves and my payment was missed by accident as I lost my mom this month. I tried to tell them that she had passed on and they wanted me to give them her SSN. I had no idea what her full number was and the guy got smart with me. I then told them that they can take their business and shove it up their **. The company makes you jump through all these hoops when something happens like what happened to me. I missed my payment and now I owe them over 60 bucks. They have no heart when someone dies. My mom was on my account and since I did not have her full SSN, they could not take her off my card. Once I pay this off, I will shred my card and be done with them.

I realize I had a previous balance with you and as of 12/2012, my balance is $3,272.72 and I was 90 days past due. Well I did not want my credit to be awful, so I obtained three part-time: (1) LiveOps, a job where I answer phone calls to sell items advertised on TV; (2) Homebound, where I go to children's homes to tutor and teach; and (3) PAI Palmetto Autistic Incentive, where I go to homes of children with autism and work the ABA Behavior Therapy with them. I obtained these jobs so I could begin making earnest monthly payments. I made a sacrifice with my monthly financial obligations and saved and paid you, GE Capital Credit Care, the $529.00 balance I owed. I then immediately turned around and paid another $112.00 that brought me up-to-date.

CareCredit makes themselves look good, but if you open an account and don't pay within 6 months, they add about $300 interest higher than any credit card. I needed glasses that was about $500. Two years later, making $50 a month payments, I still owe $476.00. I have never missed a payment and paid them around $1,000.00 so far. The interest rates keep going up - now up to 27.59 percent. They are raising rates every time I make a payment.

I needed hearing devices and was given the option of opening up a CareCredit account. It sounded like a good deal of deferred interest for 12 months. My credit amount was $3,000. I made prompt payments every month over the minimum balance required. The deferred payments were up in December and I knew that, but I thought I would be charged interest beginning on my remaining balance, which was now $700. I was appalled to see when I opened my bill that I was charged over $600 interest on beginning balance of $3,000 twelve months ago. Also, they conveniently posted my check last month one day late and are now charging me 26.99%! If this wasn't so absurd, it would be funny. Are they kidding me? I thought there was some mistake but there was not and I called over there and of course, like everyone else, there was nothing they could do. I have called now (recorded the call and notified them of doing so) and have closed my account. Beware of this CareCredit. They only care about swindling you out of all of your money!

I had an account with CareCredit card for 10 years. I used it only for dental care. I chose to go paperless. I had my payment drafted from my bank automatically every month prior to due date, in excess of amount due. I did not look at the statement often as I knew the bank draft cleared every month. Then I decide to check my balance with the idea of using it again. According to my calculations, my balance should have been $200.00. I was shocked to find GE Capital Bank had changed my due date without notifying me.

I thought it was my dentist's office that made the initial error with inputting the wrong promotional offer code, but after reading other complaints, it's beginning to look like this is standard practice on the part of CareCredit. I signed up for a 0% rate for 24 months and began being charged after six months (24.99%). I called customer service who told me to write a letter, which I did. My dentist's office called and wrote a letter and CareCredit opted to do nothing, because it was beyond the 90 days that my provider had to correct the error. Deplorable tactics and service.

CareCredit (GE Bank), you’re the devil's bank. I owe $1,300.00 and now they charge an interest of $1,500.00. People, do not use this bank. They will take your money.

This company sold a debt to another company in my name and I don't owe them money. I paid them by phone in full in October. Now, today, I received a call stating that I owe Attorney Frye $300 for a past amount owed to GE Money. When I called Care Credit/GE Money, they said they had no information and sold the debt on July 5th to Atlantic Credit. I was told that they did not know the address of the company but I could google the name and phone number. When I did that, I got the address and phone number of the person who said they were from the law office of Attorney Frye. I was instructed by them to make a deal with the attorney's office to make this all go away. I told them that this makes no sense to me, to make a deal and give them money for a debt that I don't owe. I don't know what to do. I can't pay something that I do not owe.

The cardholder of this GE CareCredit account is my mother, Diane **. She had called and gave them authorization to discuss the account with me, Shannon **, since I was going to be paying the bill, which I have been paying the bill on time and more that what the payment was. I had a lot of medical issues and I am on disability due to all my health problems. I used the CareCredit to help with the care of teeth because I’d been in so much pain I had to have a major mouth surgery and I used the CareCredit to pay for my partials. Now, I’ve been getting the statement and paying the bill online, but I was out of town and didn’t realize that they were offering a promotional balance payoff. The amount was $1500 and I had it down to $673.50 and they offered the promotional balance on 11/17/2012.

GE CareCredit is a predatory lending company. In September 2011, I need urgent dental work done. My dentist recommended CareCredit to finance our $2,100 dental bill. We applied and was approved for the loan amount with 12 months interest free. Fast forward to six months later. I received a bill stating that our interest free trial has expired and that they had charged my current balance of $1,100 a whopping 26% interest rate!

I took out this loan for dental treatment. I was advised that if I paid the total balance before 3/9/2012, I would not be charged interest. I paid the total balance (over $3,000) before the due date (2/2012) according to the customer service representative and now I am being charged for the interest because now the company is saying that the full balance paid was late.

I have two purchases on my care credit card. One is still in the promotional period. I have been sending payments expecting all of the payment to be applied to the first purchases, which was not in the promotional status. Instead, they were applying my payments to the purchase which is still in promotional status in order for the company to receive more interest from me. When I tried to correct the problem through phone calls, I was treated badly and was told I had to send a written request for my records. So I did and they sent me the same paperwork three times but not the paperwork I requested, which was my entire payment record from 2010. When I asked for the corporate phone number, I was informed I could not have it. I just want all my records of payments for 2010-2012 and I want all my payments applied to the purchase charging me interest.

I made two payments to this company (G.E. CareCredit) and the payments have cleared the bank. I got an e-mail saying I owed money on the card for this month. I called and the automatic machine said I had no minimum payment due. Are they allowed to practice this way?

I set up this account at my dentist's office for my own dental work. My husband was not even present. Now, today, when I tried to call GE Care Credit to see why I hadn't received a February statement yet (I am quite certain the bill will be due 3/3, even though I haven't received any paperwork yet.), the woman said she could not tell me anything because the account is in my husband's name.

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 bought their account security protection plan in case I lose my job or get sick. Well, I lost my job and was receiving unemployment benefits. I contacted them and let them know about my circumstances. They asked me to submit proof of unemployment benefits, so I did. Then they turned around and told me that they needed papers of my employment verification and I did.

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.

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 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 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.

I took out a loan for a medical procedure a year ago. I feel ** for not researching this company more. Basically, I was told I had a zero interest loan for 12 months that ended September of 2011 (this month). I went to pay my account in full. Not only did they charge me a late fee saying I was late (I paid on the actual due date), they said the promotion ended a few weeks ago (end of August). And because I failed to pay it in full, they tacked on 1500 dollars of back interest onto my account that I am now apparently responsible for! What happened to "zero interest? The interest starts when the promotion date has ended. And what happened to the promotion ending this month?

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.

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?

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 (didn’t take down her name because she didn’t 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?.

I was late one payment and they now charge me 30% interest each and every month, even though I am up to date with all my payments. I will have to continue paying $118 a month interest. I wrote to the "CEO" whoever it is, but I think this company is heartless. They don't care that they penalize you with 30% interest. They (the CEOs) will probably afford a nice vacation this year. This affects how I buy groceries and able to give to my daughter, like a graduation present. She doesn't get one. I wanted to buy her a camera, on sale for $150. She is a straight A student. Because I had to pay GE $118 in interest, she goes without a graduation present.

I signed up for a no interest payment plan. I always paid more than the initial payment and paid earlier than the due date. There was one month (July 2009) where I had a difficulty making the payment online and called Care Credit customer service for assistance. I was told the amount I would have to pay ($75.00) even though the bill had ($101.00). The conversation took place 6/12/09 for the 7/4/09 payment. Since I was having difficulty getting my payments straight with them, I paid the $75.00 hoping to get them in line with my method of payment.

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."

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.

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 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).

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 it 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 have CareCredit and just paid it off and made a pet appointment for my 10 animals for vaccinations and, in the mail, they had cancelled my credit. I got a letter that said a bunch of stuff that was not true. I had just paid my balance off and they shut down my credit for no reason. I can't get my animals vaccinated now.

I was sick with bronchitis and pneumonia. I also did not receive my updated bill. I have been harassed 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 harassed. My credit is very good and I have contacted a lawyer to get a hold of them for me but I cannot find an 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 thing 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 didn't have to pay. I thought it unusual but I gave her my information and now I am receiving bills for 4000.00 dollars. Can they do that? I did not speak to anyone and did not sign anything 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.

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.