Care Credit Consumer Reviews - Page 2

ORLANDO, FLORIDA -- The month of August my previous balance was $3,500.00 and made a Payment of $114.00. I was for the first time being charged interest of $1480.90 which was now bringing my bill up to $4868.90. I told them my CareCredit was for two years, they told me it was for only one year. I asked how much is the payoff amount so I wasn't charged any interest. I was told if I make a payment of $3338.60 by the 27th of August, I wouldn't be charged interest.

I made a payment for that amount and now I was sent a bill of $1618.83 which means interest from last month and interest for this month. I have called three times in two days and put on hold constantly and nobody seems to settle this issue. I work six days a week and don't have time to be put on hold when nothing gets resolved. This is ridiculous.

SAN ANGELO, TEXAS -- I have had the hardest time making payments. Over the past 3 months I have had every payment rejected despite having the funds to do so. I would make the payments and when balancing my check book I would notice the funds still in my account. I went to check my Care Credit account to see if my payment had processed and it showed rejected.

I emailed customer support and was told I entered my bank info incorrectly. I re-entered my bank info and double checked and re submitted my payment. Again! It rejected it and to make it worse my credit took a hit. I emailed them again and was told my bank info was incorrect. I assured them it was correct and I better have my account credited and my a reduction on my credit. Now I will say this, they credited my account and removed the derogatory mark from my credit report. I just submitted another payment and again! the same process. I know for a fact I entered the correct information and checked it 3 times over. Proceed with caution when dealing with this company.

ILLINOIS -- CareCredit “allows” you to call and allocate your payments the way you as the consumer request for your payments to be allocated. I have been trying for almost 2 months, 6 calls later to have 3 payments allocated to a non-promotional balance because it's building interest. I'm assured at the end of every call that my request is being processed but it never happens. They move my money and continue to disperse it to whatever transactions they please (the promotional ones that are NOT building interest even if they don't expire for another year or so). After my fourth call, I finally asked to speak with a manager. Jessica ID # 1921 came on the phone and was incredibly rude. She would not let me speak, interrupted, controlled the conversation, made many statements such as “it doesn't matter” and “Carecredit provides you only with the information that you need to know,” and she hung up on me after I was on the phone with 4 other people for 2+ hours trying to figure this all out. Beware of Carecredit. And Jessica ID # 1921, is an awful representation of the company. Clearly, she does not like helping customers so I am so confused as to why she has a job in customer service. As a faithful customer of Carecredit for about 10 years now, I will no longer be using this company, and have told all of my friends and family as well so they know of the major risks.

PHILADELPHIA, PENNSYLVANIA -- Never helpful when dealing with these Reps. I called months ago asking if I could make my payments on the 26th of each month instead of the 25th which they said yes but yet I still get charged a late fee because they never changed the date. So I call because I made my payment on the 26th again as I have been the last 2yrs. When I call the representative tells me, “Oh sorry you gotta pay because whoever you spoke to prior didn't put it in their notes.” So how is that my fault. I use my Care Credit a lot but will be canceling mine's and my parent's cards because they are the worst and the customer service is horrible.

LOS ANGELES, CALIFORNIA -- I lost my healthcare PPO plan with my doctors I liked thanks to Obamacare. Now I have nothing. So I applied for CareCredit for emergency if I need dentist or my annual mammogram. I have had the card one year. I was approved for 1,000. I never used the card as I didn't have to.

Then out of the blue I get a letter that my account “HAS BEEN CLOSED DUE TO LACK OF ACTIVITY“. When I called to ask customer service Why -where was this in the agreement terms she put me on hold a long time then announced that it's IN the terms. I said what is the EXACT wording. “Synchrony Bank reserves the right to close the account due to inactivity”. But it doesn't say HOW LONG THAT PERIOD IS - eg. 12 mos? 2 yrs? 6 mos?

Of COURSE I would have bought a prescription or something to keep it open rather than have to reapply. So basically you're punished and it HURTS your credit rating that they out of the blue kill your account. Now with more damaged credit score good luck being re-upped. But after reading all the scammy Mc scam in these other entries I feel like it's been done me a favor to not reapply.

What a shady outfit. Banks suck in general as they are the greediest and most dishonest business. Period. But this is THE ONLY CREDIT CARD that can be used just for medical so it should be a lifesaver backup. NOPE! And I have a paralegal degree so I can read a contract thank you. My request to speak with the legal dept was DENIED. You will not get beyond their cubicle human bots who read only the script and Will NOT help you.

I am appalled at the rudeness of the customer service agents. Two of the people I spoke with yesterday, asking for help regarding my account, were not only less than helpful but were actually very mean. This is not the first time the customer service reps have been rude. After being kept on hold for 32 minutes, one of them -- a manager, no less -- told me she could not wait longer than two minutes for me to get my husband on the phone to confirm that I was allowed to access our account. When I refuted this, she said, "Actually, I am under no obligation to wait at all for you" and then hung up on me! WHAATT?

This same person also argued for a good 5 minutes that the customer service phone line is available 24/7 but on the Synchrony site it says M-F 9-5. More than just the way they treat their customers on the phone, the company is sneaky in their practices. Some providers will offer promotional purchases -- like 6 months no interest. However, some don't or will only offer it for purchases over a certain amount.

If you have both promos and regular charges on your account, CareCredit will apply your payment to the promo (no interest) first unless you call and tell them to apply it to the high interest (23.9%) purchases first. So it is VERY easy to get huge interest charges building up very quickly, without being aware. It is a deceptive, awful company. I do not recommend them at all.

ORLANDO, FLORIDA -- I just found out the by diligently paying off a monthly minimum balance without using my card my credit card balance started rising. I called the customer service agent and asked them why my balance had increased by $186 between last month and this month without any purchase. They said, "That is the interest you are earning." This card increases the interest so that YOU CAN NEVER PAY OFF THE BALANCE ON THE CARD. I recommend all customer complain about the 0% credit card that if you get behind starts adding money to your card and you can never pay off the card.

ORLANDO, FLORIDA -- Joint application online for $4500 was not approved and website directed us to call 800-924-2927 to complete the application. Instead a $1500 account was opened by [phone] CSR Lana at that number before making either applicant aware. We were given the runaround by Lana & her supervisor, Matt (id 7323317), who refused to cancel the application, close the account or even provide us with our account number for reference.

Each CSR gave different information and the supervisor refused to even provide us with the account number or a specific means by which to cancel the account. We were simply given a couple 800 numbers and told to call in a day or two.

The $4500 amount was requested for dental work necessary for my 71-year-old mother. We feel this was a bait and switch tactic and that they are making it as difficult as possible (legal?) to cancel the account.

We simply want confirmation of our account being closed as soon as possible, with no charges, as promised by the supervisor.

GUYTON, GEORGIA -- I came on here to read reviews about Care Credit, I was thinking about applying for the card, but with these reviews I am thankful I came on here first, first of all I detest rude customer service if it wasn't for the consumer they would not have a job, they should not be rude, I had a similar experience at Nissan until I spoke with a manager and thankfully Sara, fixed everything for me, but I think that CSR's are not trained as most of them can't do their job correctly, and the lady with the PH.D. Helped me a lot in my decision, but I must say synchrony bank has been fine with my Amazon and Walmart card but I have not had to speak to a CSR as of yet

ORLANDO, FLORIDA -- Im a Doctor who was allowing Care Credit to provide affordable dental care at my office....they assured me everyone wins...and I bought into their deceitful claims....being led to believe Care Credit services could mutually benefit all...I'm ashamed to admit I got suckered....given that, I can tell you first hand and attest they are out to rip off the patient. ....and our practice..doctors..or any one they come in contact with......I feel bad for allowing this to happen... but put a screetching halt to their services once it all unfolded how truly deceptive they really are...the Godsend was....it didn't take long to smell a rat.... read any review on Care Credit.."Consumer Reviews" for instance... out of 250 revies and a possible 5 stars...has a rating of one star...ONE! ...and that's a very kind liberal rating in my opinion. ..Run....run away ....fast as you can...and don't spend one second listening to any doctor or medical corporation pushing this unethical high-priced credit that screws everyone, except themselves, in the end....so.......Recap: RUN! !!! For the administration at Care Credit....no need to be ashamed ..but do go to church immediately....repent your offenses....confess....right away!!!
...save your soul.....before its too late....it may take some time to cover it all...go to any review site to make sure you can recover most of the major wrong-doings to good-natured patients who are just getting by in life doing the best with what they have.... .it would be a start in the right direction.....for once...