CareCreditReviews of carecredit.com

FORMAL COMPLAINT REGARDING DISPUTE HANDLING, FAILURE TO CONTACT MERCHANT, AND LACK OF RESOLUTION To Whom It May Concern: I am submitting this formal complaint regarding the handling of a dispute involving approximately $3,000. I have been a customer/client for more than five years, and I am extremely disappointed with the way this matter has been handled. When I originally submitted the dispute, I was required to wait through the stated dispute-processing period. During that time, I was informed that the claim had been reviewed and ultimately denied. However, I subsequently learned that one of the fundamental steps your company represents it takes when processing disputes—contacting or attempting to communicate with the merchant—had not been properly completed. Because the merchant had not been contacted, the original dispute was not properly investigated before the claim was denied. I subsequently spoke with a manager regarding the matter. The manager acknowledged the communication failure and, understanding that the merchant had not been properly contacted during the initial dispute process, agreed to reopen the dispute. I am now on the second dispute process, and despite fully paying the outstanding balance of approximately $3,000, I still have no resolution. What is particularly concerning is my experience attempting to obtain an update. I have contacted representatives multiple times regarding this matter. On more than one occasion, I have been placed on hold and left without a representative returning to the call. I have also experienced representatives disconnecting/hanging up on the call without resolving the issue or providing a meaningful explanation. This is unacceptable, particularly given that I have been a loyal customer for over five years. I am requesting the following: 1. A complete review of both dispute investigations, including the original dispute and the reopened dispute. 2. A written explanation of what occurred during the first dispute, specifically why the merchant was not contacted before the claim was denied. 3. A written explanation of what steps have been taken during the second dispute, including whether and when the merchant was contacted. 4. The current status of the dispute and a specific timeline for final resolution. 5. If the dispute is being denied again, I am requesting a detailed written explanation of the basis for the denial, including the evidence and investigation findings relied upon in reaching that decision. 6. I am also requesting that this matter be escalated to a supervisor, manager, or appropriate dispute-resolution department rather than requiring me to repeatedly contact front-line representatives who have been unable or unwilling to resolve the issue. I have fulfilled my financial obligation by paying the approximately $3,000 balance in full, yet the underlying dispute remains unresolved. I should not have to repeatedly contact customer service, wait on hold without receiving a response, or experience calls being disconnected simply to obtain an answer regarding a dispute that has already been reopened because the original investigation was not properly completed. I have been a customer for more than five years and expect this matter to be handled with the appropriate level of professionalism, transparency, and accountability. Please provide me with a written response and final resolution of this complaint. I am also requesting that all records, notes, communications, investigation materials, and documentation associated with both dispute attempts be preserved as part of the dispute record. I am prepared to escalate this matter through the appropriate complaint and regulatory channels if I cannot obtain a reasonable explanation and resolution. I look forward to receiving a substantive response rather than being required to continue making repeated customer-service calls. Sincerely, John Raymond Moro
 813)898-4854

I wish I could give 0 stars and shut this company down!!! I am extremely disappointed and frustrated with CareCredit. I had made my FINAL payment of $1,600 to pay off my account, only for CareCredit to “cancel”/reverse the payment and then turn around and charge me approximately $2,500 in one-time interest/late fees. Let that sink in: I made a $1,600 final payment, believing I was paying off my account, and CareCredit reversed/cancelled that payment and subsequently hit me with a $2,500 charge. I find this absolutely unacceptable. The way CareCredit handles these promotional balances, deadlines, interest, and fees is extremely misleading to consumers. These charges can easily catch someone off guard, especially when they have made a substantial payment believing they are doing what is required to pay off their account. If there was an issue with my payment, I should have been clearly notified and given an opportunity to correct it before being hit with a $2,500 one-time interest/late charge. Instead, I was left feeling like the company benefited from cancelling my payment and then charging me thousands of dollars. I understand that credit accounts have terms and conditions, but consumers deserve clear, upfront communication, especially when the consequences can amount to thousands of dollars. This experience has completely destroyed my trust in CareCredit. I would strongly caution anyone considering using this company to carefully document every payment, monitor their account closely, and make absolutely sure they understand when promotional balances expire and what fees can potentially be charged. CareCredit, this is not acceptable customer service. A $1,600 final payment should not turn into a $2,500 surprise charge. DO NOT USE THIS COMPANY

You will have better luck pulling and paying with your own teeth than you will getting a successful payment to go through. Trying to use my emergency credit card is its own God damn emergency in and of itself.

Wish I would’ve read reviews before hand would have never used them

Care Credit is good for nothing. The interest rates alone are a crime. The promotional balance is very short & not worth the hype. I will never recommend or use them again!

Do not use carecredit! Scam to make money off the elderly...As well as Aspen dental..Amount doubled before paying off entire balance...

If I could rate this company 0 stars, I would. 1 star is being WAY too generous. So they slapped me with a $30 fee because my last payment went through a closed bank account of mine. As a result, the payment was bounced. I made this last payment through my active account, not this closed account. I called CareCredit to dispute this. They were super nasty towards me and kept talking over me. Even after politely asking for someone higher up, their patience with me wore out and still, they kept repeating like a robot "You have to pay the fee, whether it's your fault or not." $30 may not be much, but I just lost my job. This minimal amount is acutally a lot for me. I even asked if I would qualify for their hardship program, and CareCredit replied no. Then, they abruptly hung up on me. Now, I am working with a debt consolidation agency that's nonprofit which will interact with CareCredit on my behalf--I don't have to deal with CareCredit directly. Managed to cut the monstrous interest rate in half. I do not recommend CareCredit at all. They are extremely unprofessional, nasty, and have no compassion whatsoever. They are just a bunch of ruthless, cold money-hungry machines.

MINUS 10 STARS if I could. My experience with CareCredit/Synchrony Bank has been absolutely horrible. Trying to reach customer service is unbelievably frustrating. Their chat line doesn't work, and getting an actual person to help is nearly impossible. A company handling people's financial accounts should have a reliable and accessible way for customers to get assistance. CareCredit/Synchrony does not. And I didn't just try once. I attempted to resolve my issue through their available customer-service channels. I even submitted a written dispute online and mailed a written dispute to them — and received NO RESPONSE. Think about that: I took the time to formally put my dispute in writing, both electronically and by mail, and they couldn't even be bothered to respond. This is completely unacceptable customer service. When a financial institution makes it nearly impossible to speak to someone, has a chat system that doesn't work, and then ignores written disputes, what exactly is a customer supposed to do? I would strongly recommend that anyone considering CareCredit research the customer-service experience and complaints before opening an account. I am extremely disappointed with CareCredit/Synchrony Bank and would not choose to use this company again.