Report: #979135

Complaint Review: Care Credit

  • Submitted: Fri, December 07, 2012
  • Updated: Thu, January 17, 2013
  • Reported By: 412walnut — Springdale Arkansas U.S.A.
  • Care Credit

    Springdale, Arkansas
    United States of America

Show customers why they should trust your business over your competitors...

I have an account with Care Credit which I have paid regularly, every month.  Each month they send me the statement and I send the payment back.  The payment is due on the 2nd of each month.  For the past several months, they have not sent the paperwork until the 9th of the month or later, making my payment late.

I have complained to them three different times, on a recorded line, and once in writing.  They are doing this intentionally to get more money out of me.

I have tried to contact them about this by telephone and there is no option to speak to a real person about your account.


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This report was posted on Ripoff Report on 12/07/2012 12:35 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Author of original report

Finally got some help

AUTHOR: 412walnut - (U.S.A.)

I finally got some real assistance from Care Credit Corporate.  Thank you.
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#2 UPDATE Employee

We'd like to help

AUTHOR: GECapital - (United States of America)

**To expedite a response, please provide Reference code DM 121112_ror_412Walnut** 
Im sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns. Please email me at with your name and phone number. A member of our consumer advocacy team will call you to assist.
For your security, please do not include your account number in your email. 
GE Capital
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#3 Author of original report

You are the one missing the point

AUTHOR: 412walnut - (U.S.A.)

Obviously, you are missing the point.  I am trying to avoid late fees, not incur them.  Why do you think I am trying to get them to send the statement sooner or change the monthly payment due date.

I don't appreciate your being so rude and flippant.  Being a smart a*s does not make you smart.  People have different ways of accomplishing the same task.
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#4 Consumer Comment

Dear GE Care Credit:


I know you guys read these reports and often respond to them.  I am asking you, for the good of business, to respond to this one.  You see, this person is just a bit different.  He/she is NOT complaining about collections, he/she is very willingly supplying you with extra income because he/she wants to pay late!  Several of us tried to explain how to make an on time payment but he/she wishes to cling to some ridiculous notion and WILLINGLY WILL PAY LATE FEES.  So I ask you to thank he/she for the increased unearned income.  We should always be appreciative of our clients and thank them for their business.  It makes good business sense to do that.  So go ahead!  Its not everyday someone is willing to pay extra for no legitimate reason!
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#5 Author of original report

Yes, Smart Alec

AUTHOR: 412walnut - (U.S.A.)

Yes, Smart A.  I need the coupon to pay the bill.  It is my right and choice not to pay my bills on line.  If they send the stupid thing, I can pay it on time.  That's not too much to ask (and stop talking to me like I'm the idiot!  Not so.
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#6 Author of original report

Again I ask

AUTHOR: 412walnut - (U.S.A.)

For the second time, I am asking what you are talking about.  Your response makes no sense.

I pay my bills by mail and not on line.  I have heard from too many sources that it is unwise to use a debit card online.  If they send the payment coupon on time, I can pay it on time.  That is all I ask.  Should be very simple.
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#7 Consumer Comment

Now That Makes Sense!


You know when the payment is due...the second of each month. You also know if they don't get the payment on time you'll pay a late fee. So deliberately run up late charges because they don't send you a stupid coupon??? Please tell us...does the elevator reach the top floor?
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#8 Author of original report

Your comment makes no sense

AUTHOR: 412walnut - (U.S.A.)

I don't understand what you are talking about in your response.  "Why do you have to know Strident?  What does that mean????
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#9 Consumer Comment

why do you have to know strident???

AUTHOR: The Outlaw Josey Wales - (United States of America)

 you're no help at all and the rest of your members
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#10 Author of original report

answer to your question

AUTHOR: 412walnut - (U.S.A.)

I need the coupon to send in with my check.  I pay my bills by mail, not on line.  If they mail it on time, I can pay it on time.  I do not feel comfortable paying my bills on line.
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#11 Author of original report

Reply to your question

AUTHOR: 412walnut - (U.S.A.)

I pay them by mail when I receive the monthly coupon to enclose with my check.  I need the coupon to pay it.
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#12 General Comment


AUTHOR: Striderq - (U.S.A.)

Since you know when the payments are due, why not send the payment in time? Why wait for the statement which may be delayed by USPS? Care Credit probably has a website where you can make payments online, eliminating postage cost to you and the chance the payment will be late.
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