GE CARE CREDIT

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Category: Business & Finances

Contact Information
North Carolina, United States

GE CARE CREDIT Reviews

Damian Mazzei September 8, 2009
Billing
I have made numberous requests in writing, via email and by telephone requesting information about charges on my account. There has been fradulent use of my account with the doctor allowing another patient to use my account for proceedures. G.E. will not respond to my request for copies of reciepts showing the charges to my account, even though they say there were only three transactions. If anyone has any suggestions please let me know, as I am continuing to get hit with fees. WARNING TO THOSE OF YOU WHO HAVE NOT USED YOUR CARD YET. DON'T DO IT.
Bakutotsu September 2, 2009
Forced to pay for credit insurance plan before seeing contract
I signed up for GE Care Credit to pay for some major vet surgery for our beloved german shepard mix. I just signed up for their auto-pay and called ot make sure it was active and would bill me automatically on this coming payment cycle. They assured me everything was fine and then offerred to sign me up for a "credit insurance" plan. Basically I would pay $1.5 per $100 charged on my account as an insurance in case I lost by job, was disbaled, died, etc. In this event, they would wipe my debt free with them. I asked to be sent the contract for this service so I could review it before signing up for it and they said I had to sign up for the service before I could see the contract. They said that because the service has a 60 day evaulation period (for which my account will STILL be charged unless I cancel with the evaulation period) they will not send verbiage out until I sign up. This was due to the cost of mailing the information. I asked for a soft copy via email and they said they still couldn't do it unless I signed up. So basically, they want me to sign a contract for a service before I am able to see the contract for the service. WHA?!?!?! Talk about fraud and bad business practices!!!
Stephen Szibler August 8, 2009
Late Fees, Poor Web Site and Auto Pay
I put off making a complaint, hoping that dealing with this company would eventually straighten out after a few initial bugs, but after about 4 months I'm finally irritated to the point of wishing that someone would sue their socks off and that at the very least medical groups would simply stop using them as an alternative payment plan.

Their website and business model seems to be designed to deceive customers by tactics like supplying an "auto pay" which never seems to work correctly and that at the very least one has to turn off and on in order to make payments when it doesn't work. And this process takes days rather than the minutes it would take on any other site. Once you turn off auto pay in order to make a payment (since it doesn't actually work) for some reason you have to wait until the payment posts and clears, which seems to take about a week, before you can turn auto pay back "on" again. And of course there is no warning that you have a upcoming payment due either by email or postal mail.

This is the second time I've been smacked with a $40 "late charge". For some reason auto pay was "off" when I'm pretty sure I went back and turned it on and adjusted the amount after making the payment amount I wanted. The one time auto payment did work it only made the minimum payment, which is essentially worthless if you ever hope to pay them off. This is despite my entering a much higher amount than the minimum.

This "service" should simply be shut down for the fraud they perpetrate. A company that makes the engines for our best airliners should at least be able to supply a website on par with a local utility - one that actually works properly and isn't obviously set up to catch folks in their little game - folks that are obviously already struggling with medical bills or they wouldn't have turned to a credit card!

The people who thought this up should be ashamed.
June Werner August 3, 2009
Online Statements
I have had an account with Care Credit for many years. For the last few years, I have elected to receive my statement online so that I could quickly make my payment and save paper. When my email reminder comes, it tells me to click on the site to view my statement. After I log in, I am directed to a summary page. (Until I spoke to the customer service representative, I never even realized that there was a different statement.) The summary page failed to mention that I had a small balance that the special financing was about to expire. (It was on the statement?) Because I didn't go view my statement (who knew that what I was directed to after logging in wasn't the statement?), I am now paying an additional $1000 for interest on the full amount.
While this may not start out attempting to be fraudulent, it sure feels like that $1000 later!!!
Anybody who has this and makes payments online, you better go to the statement page so that you can see any important info that they don't want to share!!!
montana mama July 3, 2009
Billing
We do not recommend GE Credit. We have a dental account and a flooring account. When we sent in the Dental it was credited to the flooring and we were assessed $39.00 late fee on the Dental. It was due to GE's error but took hours to get it straightened out. The statements are not timely in the mail or updated on the internet making it a challenge to get an updated Remittance Stub and send it in on time. A very difficult company to deal with and by the way anyone ever try to talk to a customer service rep? Good Luck with that.
Ann June 7, 2009
Late Payments/Increased Interest Rates/Harrassing Collectors
***DO NOT USE GE CARE CREDIT CARD...IT'S A RIPOFF**
I initially took out a Care Credit contract for vet services but ended up using it for vision services. I diligently paid my bill on line each month and I was one day late paying the bill one month and they jacked up my interest rate to 29%. I called these people to explain why I was late and they could care less. Once they add the late payment and higher interest rate...you never get out of the hole. It's impossible to get back on track. The reason I used the card to begin with is because of cash flow problems and then they expect you to pay all the late fees and added interest because of being one day late. I have been constantly harassed by the collectors from this company. They tell me that they have turned me over to a collection agency but when I contact them to try to make arrangements...they say my account hasn't lasped for 60 days. This company is one of those that make their money off of late fees and high interest rates. I advise anyone who is thinking about getting this card...DON'T DO IT!!

Ann
Margaret Tolstych May 4, 2009
incurred interest all of it.
I paid 700 on my bill. because leaving me owing 700 left. because i did not pay it all off they slapped $500 interst on my card all at one time and charging me 21 percent on top of that every month
pissed off March 13, 2009
the worst company i've ever had to deal with.
I went to a chiropractor that handed out Care Credit as a way to pay for everything. Care Credit put my balance on two seperate accounts instead of one, mailing them at different times, making it very difficult to keep track. Not only can I not speak to anyone that is willing to help, but they actually have Care Credit policies to prevent the employees from helping customers in any way (APR's, Bureau Complaints...everything). It is impossible to speak to anyone; they are all cold, aggressive and don't care about anything but making money in ANY way possible.
April 4, 2008
INCURRED INTEREST
I was offered GE CARE CREDIT for a ton of denistry i needed including Caps for many teeth. I started the work after applying for the CARE CREDIT. Was told that no interest would be on the card till after 18 months.

I began paying regular payments to them on time each month. The last statement I received showed an INCURRED finance charge of 1300.00. I called immediately stating that I wanted to pay the balance since the offer expired. They told me to make an immediate online payment and that the charges would be reversed. I did that the same day.

I received a letter today stating that they won't reverse the charges. That the offer expired Mid March. I received the statement the day the offer expired. I called to see what the balance was. Paid the balance and now in their opinion I was late on the expiration of the offer so owe ALL THE FINANCE CHARGES
for 18 Months. In reality I owe them 10 days worth the finance charges.

I was told today when I called after receiving the letter to decline the reversal of the Finance Charges that there was no recourse or place for me to dispute this. I was very upset and not sure what to do.

I had no intention of paying finance charges for 9000.00 worth the dental work done from day one- and called to pay it off. How can they get away with charing me this wehn I payed the amount off within 10 days of the expiration of the offer. I feel i was SCAMMED here.

HELP!

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