HENDERSON, NEVADA -- My son had a toothache. I was working so his mom took him. I am the insured policy holder. Apparently my insurance wasn't going to cover what needed to be done, but the work was completed but didn't really know the reason why it was until a few weeks down the road. When I received a bulk envelope. With the itemized services that now I owed through this credit card plan.
The amount of credit owed was $742.00. Reading the entirety of all that was enclosed, I was shocked that this plan of payments had everything on the negative side. The $742.00 was easy to pay off with little added on to the balance. That was only available to a consumer if the bill was satisfied within 3 months. If you needed to for longer than this, then you were actually penalized with extremely high interest and if late paying a hefty late fee.. Basically you could never get ahead of paying this bill off.
So knowing I didn't apply for this credit. How could I? I wasn't even there. His mom came home with no contract stating anything. In fact she came only with a palm size receipt. Stating service was rendered. I immediately contacted this company and after realizing. The only language the rep's were programmed to say was "You pay okay". I requested a copy of the signed credit line I apparently applied for. They said "no problem it would be mailed out the following day." I never received anything except invoice statements months after month. Never could they send this.
Then I was sent a payment payoff offer. The $742.00 original amount was now close to $1100.00. Their offer was $450.00. Unbelievable! I said I had no problem paying for my son's bill. But I still needed the contract paperwork. Then I would send the funds to them.
The next person I was contacted by was a law firm. These guys are more like the Mafia the names they call you. The numerous calls to my work home anytime of the day night. I said the same thing to them that I stated to the creditor. No payment until I get a copy of the contract that I applied, agreed and signed. I fear that my paycheck might be garnished. The attorney said if I paid a one time payment of $650.00 it would be satisfied in full. Then I get seek restitution to get my funds back. This is frustrating and unfair.
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LOUISVILLE, KENTUCKY -- Every month CareCredit seems to find one excuse after another to put a late charge of $29 or say the payment was reversed. I have ALWAYS had trouble with CareCredit. This last time the payment was due on the 22nd. On the 19th I paid much more than the minimum, which I ALWAYS do. It came out of my checking account on the 22nd but wasn't posted till the 23rd. Therefore, I was charged a $29 late fee. When I called to complain, Eric told me that he was sorry but they would go by the date it was posted and it was too bad, but there was nothing they would do about it. But they would report it to the credit bureau that I was 1 day late.
This has happened more than once. I now have an attorney that is writing them a letter. I have paid $352 and still have a balance of $461 on a $500 credit!! No matter when I make the payment they are rarely credited on time PLUS they say that there have been "Payment Reversals". I still can't figure out why. I have called my bank and they have no idea. I have ALWAYS had the money in the bank when the payments were made. The routing and account numbers have all been correct. I think CareCredit is a scam.
I was in the dental office a few months ago and a patient was looking at the CareCredit brochure. The office was full of patients. I told her what a scam they were and she would never get them paid off. She put the brochure back as well as did others. Anytime I see people thinking about it, I tell them all about CareCredit and none of it is positive. I have also complained to LA Weightloss about them.
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, and 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, and then interest starts when the promotion date has ended", and what happened to the promotion ending this month? I tried calling them and explaining my situation, and they were more than nasty to me. I am now going to be looking for a class action lawsuit, and to hire an attorney for these greedy people! Talk about predatory lending.
Oh and by the way, when I explained that the economy has hurt us in the past year (my husband was laid off last month), and how we couldn't afford to pay the back interest (not to mention the sky high interest that will be building on the back interest). The supervisor says "oh please Ma'am, the economy has been the same for 3 years". How insensitive can someone be?!
EL PASEO, TEXAS -- This is the WORST company I have EVER had to have the misfortune of working with. My little kitten broke her leg and I used the Care Credit as financing. They kept tagging me with late fees of $40 even though my payments were sent ON TIME and received (I send through online bill pay from my bank, it wasn't even a personal check).
I called and they said it was an error and it would be corrected. But it never was. When I called back they said, "Sorry Ma'am we don't see that anywhere here in are note. Too bad; we can't do anything about it." I paid above the minimum and paid off the whole thing in full when the promotional period was up. I even called to ask what my payoff amount was and they told me the WRONG AMOUNT... so now I am getting tagged with interest.
It is a low down dirty skeaming company and should not be trusted at all. The customer service are the nastiest people and they do not try to help you at all. DO NOT GET CARE CREDIT!!!!!!!!! DON'T DO IT. Try any other credit card... DO NOT DO NOT GET THIS ONE!!!!
COSTA, MESA, CALIFORNIA -- I had to have a dental extraction and the cost was $473.00 because it was categorized as a surgical procedure. Since payment was due at the time of service I had no choice but to use GE Care Credit and was informed at the time that interest would be deferred. When I received my first statement a few weeks later, the minimum payment required was $15/month, and I thought I was doing good at paying $30 most months.(I'm on a limited and fixed income.)
Like Russian Roulette, the promotional period snuck up on me and I still had a balance of $128. The account was assessed with 26.9% finance charges totaling $96.00. I could say that the company should have notated on the monthly statements that a monthly minimum payment of $39.42 would be required to avoid going beyond the promotional period, but I realize I was the one at fault for not examining this offer more closely and calculating the minimum MYSELF.
Because I did not do so I will now be assessed finance charges of 26.9% on the outstanding balance each month as well. BUYER BEWARE - DO YOUR OWN MATH! I'm not going to be too hard on myself because the pain I was experiencing at the time was excruciating and I appreciated the immediate relief. But I don't appreciate the headache I now have for not having taken the time to do the math.
ORLANDO, FLORIDA -- I to have had issues with Care Credit (GE Money). This is my second time with Care Credit & they have not changed their business practices at all. My payment is due on the 22th of the month. I just received my bill for March on April 3, 2010. April 5,2010, I receive a nasty call from one of their people, who doesn't speak English, demanding payment over the phone.
I explained to her when I received the bill. They are very good at not sending out statements on time & then contacting you, getting nasty. BY THE WAY, CARE CREDIT (GENERAL ELECTRIC) CONTRACTS ALL THEIR JOBS TO PEOPLE IN INDIA. How many families has General Electric caused to lose their jobs & homes to people in India????
When one of our service dogs broke his leg, the vet's office staff introduced us to Care Credit, which at the time seemed like a life saver to us. We found out later that Care Credit is part of GE Money Bank, as is the WalMart credit card. GE Money Bank charges as much as an amazing 51%.
Yes, that's FIFTY-ONE PER CENT! After obtaining a loan from our credit union to pay off Care Credit's usurious interest, and the manager of our branch contacted GE Money Bank for the pay off. After Care Credit was paid off, we got a notice there was $60 still due. The wife sent the final payment this morning. Not only do they not kiss you, they don't use Vaseline, either. Vets are now refusing to accept Care Credit any longer.
This is just to let all around know how awful the treatment of our elderly is. They were pushed to take out this card to pay for treatment that was important for their wellness. But seniors don't always understand how things are. I was alarmed when I saw a charge on my Mothers card statement of $159.00 finance charges. Then late fees of 39.00 had been added two different times. I called to ask about them and was informed, the bill had to be paid within a certain amount of time or the finance charge was added. I asked if they would undo this since she did not know and had taken a fall and broken a collar bone. Answer--no way.
It was on the contract and they couldn't change it. Asked them to remove the late fee since she had been hospitalized and couldn't help being late by one day. They would one but not the other. I then got another card and paid off this card because I don't want her doing business with people who have no honor in them or their business. We just received another bill for an added late fee.
They claim that the payoff did not reach them on time. I was assured it would. So called again and asked them to remove it since she owed them no money and the payoff was dated for the due date. Answer no way-took one off and can do no more. Anything else-and the brat hung up on me. What an excellent way to do business. If you owe these people money, pay them off as quick as you can, they will bleed you for every nickel they can get. How pathetic.
ORLANDO, FLORIDA -- Please be advised that Care Credit/GE Money Bank is the absolute worst in customer service & allocations of payments. I have 2 outstanding loans with the above therefore I must call in every month and reallocate my funds to move between the 2 accounts. Each and every month I receive my statement the outstanding balances NEVER reflect the actual amount of payments I have paid. In addition each and every month I am forced to spend at least an hour on the phone trying to fix their mistakes.
As I sit on hold at this very moment, this is my 3rd call today. Both "service" reps that I have spoken with have failed to help me. One even put me on hold and never returned. Once when I was lucky enough to get a supervisor on the phone to help me, she took it a step further and said that I could contact her each month for my reallocations, only to find out that they cannot transfer calls to anyone in any dept.
I was promised a call back from her and after waiting, I called back in and was told the employees are not allowed to make outgoing calls. This company is trying to say that $400.00 of my money cannot be accounted for. I am filing a complaint with the BBB and as soon as I can hopefully get somebody to properly adjust my balances, I am doing a balance transfer to get this horrible company gone from my life forever. Even if tempted... DO NOT open an account with this company. You will regret it greatly! I certainly do!!!
MASON, OHIO -- To Whom It May Concern: The purpose of this letter is to file a formal notification of complaint alleging numerous violations of the Consumer Credit Protection Act (15 U.S.C. 1601) on the part of CareCredit, in that CareCredit, aka GE Capital Cons Cardco aka GE Capital Consumer Card Company.
GE Capital Consumer Card Co. is a "creditor" by definition of 15 U.S.C. 1601-§103-f (Consumer Credit Protection Act) and therefore falls under the federal jurisdiction of the Federal Deposit Insurance Corporation (FDIC). GE Capital Consumer Card Co. has knowingly and illegally: Made a promotional offer of "interest-free" or "deferred interest" which, by its actions as enumerated below, it had or has no intentions of fulfilling, said offer falling within the definition of Section 226.2 of CCPA.
Levied late fees and finance charges when payments were actually received - and deducted from my bank account - PRIOR to the due date. Charged illegal and exorbitant "account security" fees without any form of legal disclosure or explanation as to what those charges may be, constituting a "surcharge" under sections 103 and section 167 of the Consumer Credit Protection Act (15 U.S.C. 1601), hereinafter referred to as CCPA.
Has instituted retroactive "terms and conditions" without proper notification, in violation of § 226.7 of the CCPA. Has provided such "terms and conditions" in a format that appears to be a third- or fourth-generation unreadable photocopy consisting of print so small and faded as to be illegible, in violation of § 226.5.
Has made it virtually impossible for customers (clients) to contact them in a timely manner by failing and/or refusing to answer telephone calls for periods of up to 7.5 hours (by placing the customer on hold for such lengths of time) and by failing and/or refusing to provide any means on its web site of contacting CareCredit by email or any other means than an unanswered telephone line. Has acted to quash any meaningful payment inquiries by refusing to provide requested information to the bank upon which payments were drawn, in addition to failing to provide telephone-answering staff as alleged above.
DETAILS: Application for the above-referenced account was made under a "promotional offer" (Exhibit A - promotional offer), which provided for no interest if the account was paid in full within 48 months. This agreement was for the issuance of a "medical credit card" issued by GE Capital Consumer Card Co, 5300 Kings Island Drive, Mason, OH 45050, to cover dental (oral surgery) expenses in excess of that which were to be paid by the payee's dental insurance. The debt agreed upon was to be $1,500.00.
The first payment was due September 4, 2004 (Exhibit B - statement of payment due). Payment was received via electronic funds transfer on September 2, 3004 and was deducted from the payee's bank account prior to 2 pm the following business day, September 3, 2004 (Exhibit C - email from USBank, formerly and aka Firstar Bank). The minimum payment on the above account is $45 per month.
The defendant states that "payment is due by 5 pm on the due date" to "avoid additional finance charges." Payment was received and cleared well before that time. Electronic funds transfer payments through USBank is guaranteed to arrive on the date specificied. This form of payment was chosen specifically to ensure timely receipt of payment, since US Postal Service delivery to and from payee's address is often very unreliable. In four years, I have had no problem with electronic funds transfers reaching their destination late.
The payee then received on Sept. 13, 2004 a "late notice" (which bore no postmark and was, in fact, bulk mailed - Exhibits D-1 and D-2 - envelope and late payment notice) claiming that no payment had been received, when in fact, it had. In addition, the payee was informed that a late fee of $35.00 and an "account security fee" of $23.25 had been charged additionally.
In a document received Sept. 13, 2004, after the contract was entered into, labelled "Account Security Debt Cancellation Agreement" (Exhibit E), there is no mention whatsoever of any "account security fee". Payee contends that this "account security fee" constitutes a hidden and therefore unlawful interest or finance charge, in violation of federal law.
On that date, Sept. 13, 2004, payee attempted to call the phone number provided (1-800-333-1071) and was informed by a voice recording that "due to a high volume of calls" there would be "a lengthy wait time". Payee kept the line open and was on hold for 3 hours 47 minutes before finally giving up, unable to speak to single human being during that time. Additionally, the payee contacted the bank (Exhibit F - email) to notify them of the allegation by GE Capital Cons Cardo that no payment had been received, even though existing bank records clearly documented otherwise.
USBank aka Firstar Bank responded to the payee on Sept. 14. 2004 (Exhibit G - email) that it was investigating the matter, then followed up with another communication - also Sept. 14, 2004 (Exhibit H - email) that "GE Capital Cons Cardco will not discuss customer accounts with third parties" and suggested that the payee call 1-800-333-1071 - the same phone number which GE Capital Cons Cardo will not answer. An additional payment of $55.00 was made by the payee and received September 17, 2004 and deducted from the payee's bank account on Sept. 18, 2004 for the payment of $45.00 due October 4, 2004.
No statement was received for a November payment, due Nov. 4, 2004; however electronic payment was made and received Sept. 29, 2004 in the amount of $100.00 (Exhibit I - details of USBank transaction printout), even though the payment due was $45.00. For the December payment, due Dec. 4, 2004, an electronic funds transfer in the amount of $100.00 was scheduled to be received Nov. 18, 2004, though the amount due was $45.00.
On November 12, 2004, payee received a statement from GE Capital Cons Cardco (Exhibit G - statement) claiming no payment was received for October and that a late fee of $35.00 had been assessed, as well as a "finance charge" of $106.64 and an "account security fee" of $22.38. The payee was also informed that the "promotional offer" had expired on an unstated expiration date, in violation of the agreement made and the promotional offer (Exhibit A).
Also on November 12, 2004, the payee again attempted to call both toll-free numbers provided and was informed by a recorded message that "due to a large volume of calls" there would be a "long wait time." After 2 hours and 17 minutes, the payee again gave up, and on November 13, 2004, sent this document with a certified letter to the defendant.
In summary, payee has so far paid $400 on a $1,500.00 debt and is informed the balance is $1,563.13. All payments have been made and received before the due date. The payee asks for full restitution of the unlawful and exorbitant fees in the amount of $463.13 charged by GE Capital Cons Cardco, as well as all attorney fees and costs pursuant to this matter, and for full reinstatement of the "promotional offer" terms which were, and are, part and parcel of the agreement between the payee and GE Capital Cons Cardco.
The payee hereby notifies you, under the requirements of the Consumer Credit Protection Act. [15 U.S.C. 1601], that the aforesaid charges of $463.13 are contested for the reasons outlined above and that no such charges will be paid in the future. Payments will be made to repay the original amount of $1500, as contracted, in the time length necessary to avoid interest fees, per your "promotional offer." It is my intent to file legal action - as a class action suit if possible - and to seek full restitution and double damages as provided for in the Consumer Credit Protection Act. [15 U.S.C. 1601].