I wrote about an hour ago on the same thing. Just thought I would show you their policy which I never signed in order to get a credit card. It began with eBay. I had a PayPal account. I never opened any sort of Paypal debit or credit card, however. While making any purchases (not many at all) on mu mother's credit card or my bank account or money order via mail, I was mysteriously being sent via mail denial letters from GE for use of Credit.
One day, I received not one, but seven and all in one day, debit and/or credit cards that say Paypal but really they are GE (so, I have been told). I am a victim of identity theft, and now have had a fraud alert on my credit report for some time. GE failed to close any accounts they demanded I opened. I am on disability and am a student in higher education, as well as a single mother on welfare. I no longer have a bank account open, nor any credit cards except I just recently received in the mail something from Chase Bank, which, I suspect is another 'fraudulent transfer' from GE Money to them.
GE would not cooperate with Paypal after I closed my account (I needed a zero balance just to close it! ), even though they are third parties, because they are third parties. Now, I read the fine print. They must cooperate by law. I have had this problem for over a year. One account has been in default for a few months now and has massacred my credit. The current open line of credit (which I have been told on and off again is closed?) is over $1500 worth of purchases they will not tell me of. I am accruing outstanding interest rates for not paying a dime as I have already paid almost a thousand dollars prior to figuring out what was going on (With the help of my parents)!
I have been hung up on, yelled at, harassed in the middle of the night by collectors, had conversations with representatives, been 'interrupted' all of a sudden by a familiar woman's voice that will forever haunt me. I have been lied to, cheated out of money, and again, am a victim of identity theft. They accused me of fraud at one point; I complied with what they asked for, and provided them with a police report and all else asked. The matter was closed. Now, apparently it is not!
I now have a case number with the Racine Police Department: 09-44180, by Investigator Russell **. He seems a great upstanding citizen, but I am almost finished with my MS in Criminal Justice and know that these cases simply sit on shelves if not already having been 'closed. ' Since I first opened the case and even followed up, nothing has occurred.
I have done much research on this in the legal arena, and there is an unbelievable amount of legislation they have crossed. With the new Credit Act implementation beginning, I believe in May(?), it makes me think that GE Money Bank has simply put my account "up for bid" and now JP Morgan and associates at Chase are in the mix. I have over a year's worth of a paper trail filling up almost two rooms in my house, and with my frustration have become obsessed with making sure it is all in the correct file/ order by date, account number, etc.
I just want my credit cleared, to stop receiving unauthorized billing statements (which this time I do not even have cards for!), stop running in circles from bureau to business to phone number to address to bank and back again, and simply live my life. (As for numerical data, I cannot supply that as even GE Money Bank refuses to give that information to me. I have the account number, but even that changes). Please help me.
After reading numerous complaints online in various forums over the year, I believe payment for any legal services and the start of a class action lawsuit is in order. Additionally, seeing that I have to go through all of this work myself, I believe $10,000 for every dollar I have ever either paid or have been asked to pay is in order. This covers damages and time spent fixing them, as well as doing whatever work an attorney would even need. I have more than enough evidence to throw someone in prison for a long time.
Those who add to the litigation should be able to get something for every dollar spent, not sure what the usual number is; provided they provide information that is accurate. Otherwise if known to be a 'victim', then a $20 check after initial notice and all litigation is over should suffice per person wronged. Others, after initial notice, can choose to 'opt out' if they have not already thrown out the mail. And, the reopening of any eBay accounts I have ever had, as they have been limited and or shut down due to this identity theft issue. Lastly, cleared credit, not one GE Money Bank item on there, even if it adds to my score. Oh, and for someone to say 'I am truly sorry. " Thank you for your time.
GE Money Bank has at the same time of sending me multiple lines of credit, neglected to send me actual cards, even upon request, and simultaneously was sending me numerous denials for lines of credit (which, again, I was never requesting). GE Money Bank specifically asked me my social security number on a number of occasions as it was 'the only way' to access my account. GE Money Bank failed to respond to the information requested on the back of their billing statement where it states that if any information is believed to be incorrect to send this and this and this etc. to this (aka the wrong address in Texas)!
GE Money Bank has not contacted me since, and my credit report is the same with all of their false information and fraudulent transfers on there. GE Money Bank has literally broken every single rule outlined in the Fair Credit and Reporting Act, particularly as it pertains to my disability and the fact that I am on welfare! GE Money Bank has not, I repeat, has not responded under any sort of 'separate cover', whatever that is supposed to mean?
How is this case closed? I had until said date to respond. I did not respond earlier due to me allowing ample time for GE to respond to me under 'separate cover' which they did not. I tried to contact them via phone and was told they would call me back. The investigator on my case never did so. The fact they stated they did not return anything to me by said date under separate cover is proof they broke the rules of FCRA and my rights. I do not know if this got through. They broke the rules, stated GE had to yet to get back to me under separate cover, in print, in ink, dated. How is this closed?
Just to say I contacted DFI today. They will be mailing me proper forms to mail in. I still have not heard a response from anyone at GE Money Bank. I was told by the person on the phone to document specifically that the 'Investigator' at GE Money Bank whom I was told would call me back at not one but two phone numbers would do so, yet lacked to take the time to do so. Thank you.
A few things but must keep short. Okay, why did the investigator on my case still not get back to me after I gave them a call? Why do I keep getting referred to Paypal who then refers me to GE? Where are the papers I signed? The information I requested? Why was I threatened by a Filipino woman on eBay about my credit report and something about 'Knowing GE Money Bank and ''their people"? Does Rizal Commercial Banking Corp have something to do with this!? I did pay them. I can prove it. I can also prove that I am a victim of identity theft. How can you deny me credit and issue me seven cards (on the same day I might add!) all at the same time? Who let my mother pay them 600 dollars and where did that go? Who is accessing my credit report, transferring accounts illegally? I want to see where I signed on the line.
Okay, so there is no address for contact info that is in existence. I just dialed the phone number to contact a Ms **, with Employee ID # DVV3026 named 'Sarah'. She said she does not know who that is or who I am speaking of at all. The phone number was specifically for care credit, credit cards, not at all Paypal as that is a different department. So you gave the wrong contact info. Why is there no response?
GE Money Bank has not contacted me in any form other than to fraudulently bill me for credit lines I never opened. When I wrote to them at the address previously given to me by them on the back of each and ever single statement given to me, with all required information sent (including copy of police report and number and photo ID), they did not reply or take any action pursuant to what their policy states. GE Money Bank additionally provided me with an incorrect telephone number with which to reach them at right here on BBB's website.
GE Money Bank additionally never responded to me under separate cover of any kind other than to continually ruin my credit more and more. They have broken every rule of the FCRA. How is it, then, that I would bother writing to an address that, in all due respect, likely does not exist? To even find them through the Better Business Bureau was a runaround! Consumer does not accept the business' proposed resolution. (By the way, I fail to see the resolution? If one could highlight it to me somewhere, it would be highly appreciated).
Understandably it is closed. Resolved? Not as of yet by far! Is there a BBB for the BBB? Or would that be with the FTC? How does a business get a "negative" stamp on their report? A+? More like A-. And to GE, the reason I never got my money back is because that is how identity theft and fraud works. Items get shipped to me; in the meantime, money gets shipped to some other address. Seller has no idea. Get it? So, may I please know if and when any and all charges will be put back into any and all accounts of mine? After all, if they were not fraudulent and I returned them, the money is mine and I can thus pay the bank. Problem solved, no? It seems kind of like a runaround, but whatever, if that is what you want I will compromise. But please take the negative account off my credit report.
As of tonight at about 9 pm Central time on March 22nd I have not heard anything or received anything under 'separate cover' from said business. My credit report has not changed. The birth date is incorrect. The name is incorrect (one has my mom's name on it as well and is also incorrectly spelled). And one is even listed twice! I just want it over with. Please restore my credit. Just between now and the last time I wrote a complaint, my credit score went down seven more points! Please help!