GE Money Bank

On 3/17/11, I spoke with Vinnie from GE money bank collections department and made a settlement agreement (six months at $55.49), first payment on 3/17/11 at $110.99, confirmation #***. On 4/20/11, payment of $110.99 was made with confirmation #***. On 5/17/11, I called to make a payment and was told it was sold to a third party collection in error. I spoke with Sandy ** who told me she would straighten the matter out and get account back and she would return my call. On 6/7/11, Sandy ** called and told me account was back in GE but wait two weeks for all paperwork to be done to make a payment. On 6/17/11, I spoke with Kelvin who took final payment of $221.97 confirmation #**.

On 2/9/12, I received a letter from Cavalry Portfolio Services LLC who stated I owed $ 1,229.35, original debt GE/Care credit. I called GE to find out just what happened only to find out eight months later that the $221.97 payment on 6/17/11 did not exist in their records nor confirmation #***. I went to my bank and we viewed all records from 6/17/11 to 7/17/11, no such payment ever came through my account. I called GE at 4 pm, spoke with Ron ** who could not speak English clearly and finally admitted he was not even in the states. I asked to speak with a supervisor and was put through with Billy who couldn't help me then finally with Sonya ID#** who pretty much told me, "Oh, well..."

I paid all the settlement agreement amounts in good faith and thought this was a settled account. This was not my error nor my banks error. I asked for this to be straightened out immediately and that they honor the final payment amount and get the account back so I could in fact make this payment and I was told no. Again, I was never advised of this mistake and now be made to pay to a third party the entire amount plus when I did not make the mistake and paid all amounts in settlement agreement in good faith.

My account was paid off in 2008. A recent credit report still reflects an outstanding balance on my old account with GE MB causing a lower credit score.

In August of 2011, we called GE Money Bank and asked for the pay-off balance on my Care Credit card. They gave me a balance of $1500 which was sent and paid shortly afterwards by my bank. In January of this year, I received a letter not only from Care Credit, but also from a collection agency about "said" account. I'm not sure how $1500 was paid and now they are claiming that I owe $1223. They said that there was a balance of $37 from August that wasn't paid, and the promotional period ended on 11/28 which now leaves me with the interest on the loan (which was an interest free loan if paid by 11/28). Well, no one notified me in Sept, Oct or Nov about this balance.

They waited until after the promotional period was up so they can snake the interest costs out of me as well! Why didn't they say that there was a $1537 balance when I called in August? They are a bad, bad company with horrible practices. Bad customer service skills, if you can even understand their reps who barely speak a word of English. Someone needs to stop these people from such practices. File with your States Attorney General's Office. I will never ever, ever do business with these people again!

I had previously written a complaint about GE Money regarding finance of a water heater that I purchased for $1,638. I was told that if I paid it off in a year, no finance charges would be incurred. I had thought that it was paid off in December of 2011. However, there was a balance of $135 left, and because of that, they charged me $735 in interest. I was astounded, and obviously upset. I wrote a complaint on this website, and **. I wrote a letter to GE Money, and they responded quickly, and gave me a credit of almost $400 for the interest charges. I was very pleased that they acted so quickly, and didn't expect them to give me any credit at all. I wrote a letter, because I was upset. I am a single mom, and $735 is a big deal. GE Money tracked down my account, and wrote back within a week! I am delighted and believe that this is the age of the consumer! Thank you GE Money!

I have sent my monthly payments every month on time and always paid more than the minimum on a Rooms To Go 0% APR. November 2011, they are saying that I have not made a payment in the previous month. Knowing my electronic bill pay works like clockwork, I checked it out. Payment made. What happened was bill pay sent my payment too early. Even though I explained that the second payment they received in October was in fact November's payment, they insist it is not. They refused to move the second payment in October over to Novembers bill and told me that was against their policy. They wanted me to pay all of the late fee's including both months' payments immediately (which they already have as my November payment will be posted tomorrow) and they will increase my payment, but will remove the late fee.

Currently, I have made one payment every month and paid more than required. I pay all my bills early; a car payment to ALI, mortgage, student loan and a MasterCard. They all get paid early! No one has a problem with early except for GE Money Bank! GE Money Bank is a scam!

After discussing this with the person on the phone, who has difficult to understand and getting only minimal satisfaction (no late fee charged), I assured them I would simply pay off the balance and be done with them. I will also notify Rooms To Go as to my dissatisfaction with their choice of credit companies.

They placed false information on my credit bureau. I filed a dispute with credit bureau and after waiting 45 days, I was informed in writing that GE Sam's Club credit card refused to correct. I contacted GE and was told too bad. I should live with being reported late on payments for over six months. I have proof of all payments and their statements showing on time payments. Yet, I was told "too bad". I need to live with it. I was transferred to an alleged supervisor who refused to give his name and after tormenting and belittling me, he hung up on me. When I called back, they identified my account and said they were no longer accepting calls and disconnected me.

I have been physically sick from this and have never experienced such a disregard for consumer rights. I could hear the pure enjoyment these employees had tormenting me.

I have been receiving recorded messages from GE Money on my registered "Do Not Call" landline phone. So far, I have counted 6 calls in 5-6 days. My husband has also answered a couple. There is no way to complain to them, no address or phone. I am ill and in my 70s. I have no energy to get to the phone for valid reasons, let alone to hear GE Money make a sales pitch about something to do with JC Penny. How can I get this to stop? Apparently, "Do Not Call" doesn't work.

I have had my GE Retail Bank credit card for 5 years, only because I have had to deal with them this long. I just recently paid the account off, and I only used the car once! The company has the worst customer service I have ever dealt with. As an example of how terrible this company is, here is an example. The last payment on the account I could not make, because they would accept it. I paid it on time (like all my payments), and they returned it with some bogus reasons, as to why it wouldn't process. I called to pay it off, and found out they were going to charge me for late fees.

When I called to pay it off, and they kept me on the phone (when they found out, I was paying off the card) for over an hour. I had to speak with 6 different people. This is an example of the many issues I had with this company. I have 5 credit accounts, and this is by far the worst I have even hear of. If anyone offers you any line of credit, and they are associated with this company, just say no! Also, I spelled my last name on this website, the way they pronounced it every time. I called because they are not an American company. There isn't even a "B" in my name.

I bought a refrigerator January 2011 (one year, same as cash). I paid every month early and more than the minimum. When no bill was received in January I figured the bill was paid off because of my over payments. Seven days after the due date of the undeceived bill they call and want the principal plus interest and processing fee. When I explained I hadn't received a bill so I thought it was paid, they said they never received my bill back to them so it was my fault. The caller then talked to her manager who said the same thing but I could pay just the principal and they would forgive the interest but it would show bad on by good credit rating. I said I would pay the principle immediately.

They said that was not acceptable and I would have to pay the balance, interest and processing fee now or I could make payments on the whole amount. I paid the whole amount and now here I am filing complaints. I then called another office that said the same thing and told me to write a letter. As I read these other complaints I see what a scam this company is and I will make sure I never do business with them again. I will make sure to let everyone I know how bad this company is and they get more money by scamming you. Look at the dates on these complaints and how similar they are. Hmmm. Doesn't seem right.

I opened an Amazon store card account provided by GE Capital Retail Bank with a promotion of 0% interest for 2 years with principle of $1,200 (one purchase). I realized recently that GE Capital assessed multiple fees on payments made on time. While disputing the fees and trying to resolve the issue with GE Capital, they assessed interest of $539 on remaining amount of $100 from principle. Horrible experience! I wonder how they are still in business with these practices.

I bought hearing aids under a CareCredit account in August 2010. The total amount credit I received was $4900. I put $1000 down. I paid monthly on time and a year later approximate balance was $2300. The company without warning then charged me $975 interest on the balance plus accrued interest on all the months I was making payments. Is this legal? I receive my statements online and it was unclear where if anywhere they gave me any sort of notice that this would take place. I feel ripped off and will never again use this company. On the phone they were brusque and said I needed to read my whole statement. Okay, well, I still think charging interest on money that has already been paid is illegal. I would advise anyone else to stay away from these people!

I had purchased a water heater on 11/2010. I was told that I could pay same as cash if I make monthly payments and pay within the year. I had the monthly payment automatically deducted from my checking account. I thought I had paid off the balance of the water heater until I saw that instead I had a $735 balance in January 2012. When I called I was told that since I still had a balance of $135 as of 12/5 and did not pay it off I had to pay the entire interest for the water heater. The water heater was $1638. That is quite a finance charge. I opted to not have the paper statements sent to me and had them send me e-mail notices. I did not check the balance on-line in December of 2011 so I was unaware of the outstanding $135.

When I contacted customer service, I was told there was nothing they could do. That is how it is set up. Why couldn't I have paid for the interest on the $135 instead of the entire $1638? Most companies will work with people. They were obstinate. I will never use them again. I have paid for large items by making monthly payments and never had an issue before. I won't go for none paper statements either again.

This bank is harassing me for a debt that I do not owe. I keep getting phone calls and letters from an attorney office. They have the wrong name, but my address and they refuse to listen to me. Could you please look into this matter?

I am writing this letter to inform you that my account was settled for $2,701.65 in November 2011. The first payment was made on November 30, 2011 of amount $265.00. I was told that the next payments will be taken off from my checking account from Chase Bank. The next (12/05/2011) statement after settlement from Sam's Club Discover was not very clear to understand where it was asking for $1,972 with balance of $8,235.53 after the settlement to pay $2,701.65. I was in the impression that, somehow, the account was not updated from your end due to many departments within your organization and it is very likely that they were not synched up.

I was looking into my bank statements and found that no payment to this account was taken. I called and notified your organization where I had to go through three different departments to talk to the concerned department after a very long wait. I was very surprised to hear that my account was sent to some other agency for collection. I was not even notified or sent any letter or statement to remit the payment. I was in the impression that I will be notified either by statement or call or email or some practiced manner that normally used in these matters.

I am very shocked that none of the method was used in this professional and very important matter. I have settled accounts with Chase and other financial institutes like I did with GE Money and I do make payments on regular basis, but one time I was late and they called me and notified. Since you are the financial institute, you must have the sophisticated method to keep the customers informed and happy with the best service.

Due to my experience with GE Money/Banana Republic, I will never shop at any of the Gap Inc. stores again (Gap, BR, or Old Navy). I will also never sign up for a credit card of any kind (which is the one positive resolution stemming from this experience). There is no way to pay your balance in the store or by a card without a fee. I tried to pay my balance online twice, once while talking with a representative. Both times I received messages weeks later that my "account was not found," although I had entered the information exactly as shown on the site both times. This doesn't make sense as I have paid for bills and products more times than I can count, many times using the same exact method (by entering my routing and checking account number).

I called and sent a check to the address given by the representative. Weeks later I receive over five phone calls from an unknown number. When I was able to answer, a representative told me I had to pay over the phone or I would receive a fee even though I told him that I had sent a check for the full amount over a week ago! He also said there was no way the check I sent would not be processed by the system. Hence, not surprisingly, I was charged twice. $178 is a lot of money to me and I can't afford to pay my tuition on time because of this error.

I don't even want to put a star. Yes, we are responsible adults, however we are being ripped off!

If there are a group of lawyers interested in representing this long list of people, maybe we can put a stop to this rip-off by a huge company that is rich because of seemingly honest work, but bad business in the end. I hope that this business will stop this unethical behavior and just accept payments that are not going to take us under!

I signed an annual contract with JVS Landscape Company in 2008. At that time I provided Gap Visa card information, which is managed by GE Capital Retail Bank, as backup payment plan in case the payment was not paid in time. Due to the merchant consistently providing inaccurate account statements (although it always resolved after showing proofs of bank transaction, but it was just too much work), I decided to discontinue the service from JVS Landscape in 2011.

The last contract year was 2010, which followed a scheduled installment plan until February 2011. I have received a notice in February 2011 from their accounting department again that two payments were owed in 2010. I immediately checked with the bank--not only it showed the money was sent but it was also received by JVS. I immediately contacted the owner Joe ** via e-mail and the response was sorry they meant January and February 2011, which I went back to show him that both payment was sent and January payment was received but February has been returned to me due to insufficient address.

I then resent the payment twice after that, but Citibank always come back with the note attempted to deliver but failed due to insufficient address. All record was sent to Joe **. I asked for correct information, but he ignored. The outstanding bill was $311.82 only. On May 17th, I sent written notice to Joe ** to cancel my authorization using any of my credit card(s) on file. Based on the contract this action will make future credit transaction(s) fraudulent. In June surprisingly, JVS charged $854.26 to GAP visa.

And the nightmare started.

I called GAP Visa to make a dispute, then I received a packet that contains merchant's information. Immediately, I sent my chain e-mails between the owner of JVS Joe ** and myself indicating the outstanding balance with written notice of cancelling the authorization to Joe on May 17, 2011. Faxed and sent certified mails back and forth.

In December 2011, GE Capital Retail Bank resolved the case in JVS' favor! I went back to put this case in dispute and just hung up the phone with its customer service. On the phone I repeatedly asked the question, did any one in the company really reviewed all the paper work? If so, why did not anyone see the signed binding contract indicated "this authorization is valid from the date below and will remain active indefinitely, unless I cancel the authorization through written notice." And second question, if a merchandise cost $311.82 but the merchant charged $854.26, this doesn't consider as fraudulent?

No answer was given except, "The best way is to contact the merchant." Very unprofessional and absolutely did not service their "valued" customers with proper care.

This is the worst company ever and I hope more people come together and we can all fight against this company. I had a Sam's club credit card and 2 years ago when the credit crisis hit and I had my own business and it was extremely slow and money was very tight, I thought I was doing the adult responsible thing by contacting them to set up lower payments and interest. They agreed and I had automatic withdrawals each month for my payment. Then all of a sudden, they stopped taking the payment out but I didn't realize it for 2-3 months.

I had a lot going on and didn't figure there was a problem because I never received any letter from them. Then I get a call from a collection agency. I asked for proof as to why they stopped the auto withdrawals as I never asked them to stop. They wouldn't provide it to me. I then started sending payment by mail to Sam's club for $75.00 a month, more than what I was paying a month. My checks have been cashed.

I just set up 2 weeks ago for bill pay since GE Money isn't responsible enough to take the auto withdrawals. Then I get served with papers last night demanding payment in full, which also states that I have been making payments. I am not past due. By the way, I never once received any call, letter or certified letter stating that they wanted the balance paid in full. There needs to be negative stars, I wouldn't be on here complaining if there was anything positive about this company. I will cut my membership card up to Sam's club. I refuse to have another credit card in my name and my goal is to pay my credit card debts. If I was to have another card for emergencies only I will guarantee you it will never be with the GE Money bank. They are crooks.

GE Capital Retail Bank has been charging me for late fees ($100) in my account when I have been making payments ahead of time. They claim that the payment has to be made when on the month that they are due. This is just another scam that credit card companies are doing to rip off consumers. I make bill. Most people like me make payment automatically through their banks and we are being penalized for paying ahead of time. No where I read that the payment had to be exactly on the day that is due. I make bill payment automatically through my banks. I do not wait for the bills to come to pay them and I am being penalized for paying ahead with gimmicks and tricks that these credit card companies come up with to rip off consumers. No where I read that the payment had to be exactly on the day that is due. That is just set up to make consumers to pay more. I am requesting an investigation on their business practices. I am requesting my account to be credited for all the late fees that they charged me with.

I had worked out a settlement plan for my account. The first payment was to come out of a savings account and the rest out of a different checking account. Well, they took the payment out of my savings account and then the second was also taken out of the savings account which got rejected due to lack of funds in the account. The rest of the payments were fine and had no trouble coming from my checking account.

After what I thought was my last payment on the settlement, they voided it due to the one payment coming out of the wrong account. Now instead of my account being paid due to the agreed settlement, I am now responsible for the rest of the normal payments until it's paid off in full which is double what my settlement was. They are now saying that I'm behind on four months of payments that I never received any letters or phone calls for.

My husband passed away and I asked the bank to take my husband's name off our Chevron/Texaco account and leave only mine. They said that they had to close the account altogether and then open a new account on my name. I provided them with my husband's death certificate and my personal information, and they denied me a Chevron card.

I have a very good credit score (I got a credit report from the Experian) and a fine income to pay the gas card. In the letter the bank said they were unable to confirm my identity and could not approve the card for me. I was not asking them for a huge loan, just for a gas card. There is a lot of hassle at gas stations because I don't have a card and must use a cashier. How inconvenient because of GE.

They had the Social Security Department send two of my checks to them. How they did that I don't know. Each check was for the amount of $ 1351.00, for the total amount of $2702.00. I had to borrow money from a friend to pay some of my bills.

I had a Wal-Mart credit card through GE Money. I was about 2 weeks late with a payment and they locked me out of online account and refused to take my call when I call the 1-877 number on the back of the card. When they do call they hang up when I say hello.

I had a number of issues with this bank on numerous occasions, but particularly back in 2008 when I had an identity theft issue going on. I was being literally harassed with phone calls and multiple billing statements that I owed money on various credit and debit cards. They ruined my credit score. Eventually, after two years of investigations and filing numerous complaints, particularly with that of the now gone Office of Thrift Supervision, I was able to at least have my credit cleared. However, in terms of money I paid but did not have to, GE not only did not pay me anything in redress in full, but they sent me two different checks--one in the hundreds, and one in the few thousands. Correct me if I am wrong, but is that not admitting to their fraud?

If I had cashed them, would I have been not taking part in that fraudulent activity? Hence ,I never cashed them, and they are now expired. But I still have them. Anyway, around October of 2010 I was supposed to find the 'outcome' of my case with the Office of Thrift Supervision. I never did. I still hold any and all evidence I have against GE Money Bank. I hate carrying it around with me in the number of boxes I have, but I just feel like something definitely was not right.

I know this happened to numerous people during those years, particularly 2006-2008 (fraudulent electronic transfer of funds, specifically), and I feel as though I would be throwing away proof. Now, without the Office of Thrift Supervision around, I have no clue whom to contact. Nor do I wish to bother. As long as they don't touch my finances or my credit, I consider GE Money Bank a long time enemy best to just keep far away from.

I got this credit card because my dog was very sick and needed blood transfusions, I was on an emotional roller coaster for a week and she ended up dying in spite of the extra care. I have paid on this card religiously for 18 months and today I looked at my account online to make the payment and my balance is now more than I originally borrowed. So in essence your company took advantage of someone who was only trying to do what was right for a dog they loved dearly and every penny I have paid for those 18 months basically was put in your pocket and I get to start all over with a company that I now detest and would never ever refer anyone to.

I will also advise everyone I know not to do business with a company that is basically no better than a thief. I only hope you are happy with the way you took advantage and hope you enjoy your, in my opinion, ill begotten gains! I only gave you 1 star because it is required to submit this complaint, if I had my way it would be a negative. I am also placing these remarks online and contacting the Better Business Bureau.

We paid a debt off in full yet they are saying we still owe them money. I cannot get an explanation to why we owe them money but they turned in a Cancellation of Debt to IRS which resulted in a higher tax liability for us and are still turning us over to bill collectors. I don't understand how they can require us to pay higher tax on a cancelled debt and still continue to try to collect the debt (that we don't even owe).

I had a credit card account with GE Money Bank. I paid off the balance in 2009 and closed my account. Last week I received a notice from the IRS stating that I owed $231 from a GE Money Bank cancellation of debt made on 08/16/11! I called GE Money Bank and no one had any record of my account number. They did inform me that I have had a previous account with them. However, that was paid in full and closed a few years ago. So when I asked "well, if that's the information you have, then how is it that you guys sent a "cancellation of debt notice to the IRS stating that I made on 08/16/11"?

No one had an answer for me and I was transferred to a dead line! I am so frustrated because I don't want to be in trouble with the IRS, so I will just pay what they are requesting! I was told to get a lawyer because GE Money Bank sent fraudulent paperwork to the IRS. But I just resigned from my job at Verizon after 14 years to begin nursing school so I don't have time to consult a lawyer! Please stop GE Money Bank from sending fraudulent papers to the IRS! Please investigate this bank as it is causing financial distress to so many innocent people. Thank you.

I was making payments online. There was a problem with one of the transfers, and GE called the consigner who mistakenly paid the amount in full. When we noticed the problem, and called, it took a few months to straighten out the account. I was unable to log on to the GE account online. I spoke to a GE rep, and told them about my issue. They said that it was not a problem, and that they would call for the payments monthly. I gave them my account information and asked that my payments were taken out automatically. When I received my end of year statement, I got charged $700 in late fees and finance charges that I was not supposed to receive! The GE representative totally misled me multiple times! I feel scammed!

I gave them one star because the process for signing up was easy. However after dealing with them I know why it was easy. My purchase was interest free for the first year. After the first payment I decided to let my bank make the payments electronically; either a day or two early but once on the day it was due. However, I discovered that once the bank started doing this I was being charged a late fee. (I didn't always look at the statement from GE money as I knew from my bank statement that the payments were being made.) I was making much more than the minimum payment in order to pay off the amount before I had to pay interest. All together, I was charged three months of late fees and interest on the late fee amounting to a total of $105. When I called GE Money I was told that my bank was sending the payments late but my statements show they were going on time but it was taking GE Money two or more days to register them. I am now having GE Money take the payment electronically themselves and my bank says they took it on the 14th but my GE Money statement shows they posted it on the 12th, the day it was due. It seems that they can play with the payment dates when they are collecting it but post them late when someone else is send them in.

1. Paying a bill a head of time is not credited to account

2. Credit Card information is not accepted when put into requested file

3. Account service no help

4. Abrasive and rude

So, I got this card back in March 2011 as the lady signed me up in the store. I thought this would be cool, since it could help my small business. It has helped my small business, thankfully, and I've been able to pay off the minimum balance. What I don't like or even understand is why they actually take twice the amount. What are the fees for? I am giving them business, and they just don't need to take twice and probably more as time goes on of what I actually owe. It's like you're paying to see your balance go up. And plus, I called them a week or two ago to check on the APR%/mo. and they said, "no, ma'am, you will only be charged the 2.3%APR per year. Ok, so why am I being charged 23% per month?

I hope a lawyer is reading this because I'm interested in a civil case. This isn't like it should be. I really hope someone steps in before it gets out of hand. I also like stating my case when I feel someone is wrong.

I have never been treated badly. Sometimes a representative has had an unpleasant tone or said something I didn't particularly agree with but I didn't take it as a personal issue against me. People have some legit complaints that I have seen on here with this bank, however, there are things to be considered. Number one, GE Capital has their own rules then Federal rules they have to follow and the rules that whatever company like care credit or whoever tells them to do.

GE may not want to charge over limit fees but care credit says to. Banks differ from telemarketing, as they are "collections" so they can call up to six times a day 7 days a week from 8 am to 9 pm. The number that comes up on your caller ID is for show, call the number on the back of your card and you won't get, "This is a non working #". Almost every bank charges a phone fee to do a payment over the phone (some charge $19.99! ) and most banks will waive either the phone fee or the late fee but not both. Also, if you buy something in an interest free promo, you are still subject to late fees, they have nothing to do with interest.

When you open a credit card, you are borrowing money and signing a contract that you will pay the money back in full on time or there are consequences. Banks are not babysitters. They are not going to call you and say, "Your promo period is almost up. You better pay before the interest is added." They let you know in your statement. Read it! Your statement tells you everything! They are doing their job and letting you know as they said they would. They never tell you they will call you personally. It is our responsibility as adults and consumers to read the application and all that applies in full, small print and all and then those things they send once a year for privacy and any changes they are making.

So if people really are responsible adult consumers, why is it when they open a credit card they have no problem agreeing to late fees or over limit fees or the interest rate, or what the default interest rate is but when any of that is put into affect, they throw a fit? If I am even one day late, it's my fault. Just because my dog had to go to the vet, I still have to pay my bill. If there are certain circumstances like a death in my family or I was in the hospital then yes, I would expect them to at least do a one time courtesy waiver, otherwise, it's my fault, I have to pay it.

Avoid this "bank" at all costs. They absolutely have horrible customer service. And they harass you, calling you every two hours after just one late payment, even on a small balance of a little less than $400. They have no fax number and refused to talk to you in person on the phone. All correspondence must be through the mail. Again, avoid this bank at all costs.

I made a purchase through Sleepy's of a little over $2,000 and chose the deferred interest for 24 months. At the time of purchase, we were informed that we would be notified, not through email, by GE Capitol Retail Bank who is providing the financing when the promotional period is over. Since then, we have paid more than our minimum monthly balance each month and have never been late on a payment. However, when the promotional period recently came due, we're not notified that this promotional period was even nearing the end. Now, there is a $900 + interest charge on our balance which was just over $700.

I have tried to speak with the people at GE Capitol Retail Bank, however, they can only repeat the same words over and over without any sincerity in their voices. Sorry sir, but your monthly statement should have informed you of this. Granted, the emails do indicate my monthly statements were available which can be accessed once you go to the website, login, click a couple of times that is not easily accessible but we were informed over and over that we would be contacted when the promotional period was due.

I have since paid the remaining balance on my original purchase in hopes this would demonstrate that I am serious about paying this off however, it is very difficult to try even to speak to anyone at GE Capitol Retail Bank as they continue to say the same things over and over trying to get me off the phone as fast as they can. They do not care that this is a shady business process and that they are not doing the right thing, only that they obtain their money at the consumer's expense. I truly feel that this is a fraudulent act that GE Capitol Retail Bank is committing and does not care since it is the little people that suffer. I am very hopeful we can resolve this issue. Thank you for your time.

I wish I could give them negative 5 stars! Because I accidentally made my November payment early by three days before the next billing cycle, I now am being charged a late fee for the month of November. I always pay earlier than my due date and I pay about $30 more than the minimum balance. They refused to waive the late fee as a courtesy if nothing else. This is how they treat their good customers! The collections lady was supposed to transfer me to a supervisor, she hung up on me instead. Then one CSR was going to waive the fee, but my cell call dropped (maybe I was outside with a strong signal, he probably hung up too) and the second rep would not honor what the first one was going to do unless I paid all of the "late" amount due. This is complete crap. If other companies can adjust a payment to post towards the month they were supposed to, GE should be able to also. But they want that $25 fee so I get screwed being a good customer.

I'm writing you to let you know that I'm not the person you are looking for. I have never applied for this card. Now I have been contacted by a law firm saying I own a balance of $2,847.18. Please look into this matter as soon as possible. The account number is **. Please feel free to contact me in regards to this matter.

Bought a bed financed through GE, and the promo was 0% interest for 9 months. I went to pay off the remaining balance before the interest kicked in, but I couldn't access my online account. This was three months ago, now I still can't get on, and I absolutely cannot get through to anyone on the phone. At least not after waiting half an hour every time. I ended up being charged with several hundred dollars in interest. I cannot log on to the website in any way or contact them, unless I log on. Catch-22. It's a horrid company, it needs minus stars. Too bad because bed store people were very good, but I just picked an atrocious bank to work with.

I didn't receive my statement for the month. I called them to make a payment over the phone and they told me that its a $15.00 fee. I told them I don't want to pay the fee and they said I can make a payment online for free. I replied, "okay, please give me my account number so I can make a payment online." They said, "we already mailed you a statement, we cannot give the account number."

I am basically forced to make a payment over the phone and get charged $15.00 for it. This is ridiculous. This bank is scum and I want them fined the maximum for their predatory tactics. Further, I have dealt with them in the past. I missed a payment one time and they called me 15 times on Saturday and 15 times on Sunday to collect a payment. This violates the Fair Debt Collections Practices Act. I am an attorney and I want justice against this bank. I am considering calling the attorney general on them.

I had to select one star, but it is far from being my choice.

I used this credit to pay a doctor's bill 3 years ago of $4,000. Three years later, he bill is now over 4k. The interest is close to $100.00 a month. I feel as though I will never get rid of these rip-off artists. No one speaks English. They call and are very rude. No matter how many times you try to make arrangement, it wastes your money. They will not accept any type of credit, counseling, or help. Can someone please help me to get this company under investigation or offer a helpful suggestion?

Stay away! Far away!

GE Money accepted my monthly payment and three days later informed me that they do not accept that payment type. This sent my account over balance and the phone calls are endless. The entire time we did business, they constantly took money from my account at completely random times without informing me, causing me to pay late fees because of unexpected shortages.

After five phone calls and very rude treatment, I was informed they were my interest charges. They always seemed to coincide with my balance being close to the limit and happened at all times of the month, never on any set schedule.

Avoid at all costs. GE Money is intentionally practicing bad business.

I used a Care credit card to pay for my medical bills 3 years ago which were about $2,000. I have been paying at least $50 every month. I was not able to pay off the amount by the time the "promotional period" ended, so they almost doubled the amount I started out with. I paid off the original amount that I had and I am now only paying for the interest fees which are over $1,400. Every month I pay $50 and they charge me $30 in interest. How is this only 29.99% interest? It's more like 60% interest. I thought that was illegal. I think that it is ridiculous. If I knew the interest would be so high, I would have tried to get a credit card from my bank instead. I have to live with my grandma because I lost my apartment and I couldn't afford to pay off this credit card and pay rent.

GE Money Bank sent me a "Promotional Payoff" statement, indicating if I paid off $224.08 by 11/17/11, then the rest would be considered null. I balanced my bills around, pushing back another bill to come up with this larger sum to jump on this payoff agreement. Today, I called to find out why I still had a balance. Little did I know that they separate each purchase and can offer these "promotions" for each purchase. They only wrote off $5.92 and considered my remaining balance of $169.40 a "separate purchase." I advised them that this was very misleading and I felt duped. I ended up pushing back another bill to be able to jump on what I thought was a great payoff agreement only to find out it wasn't. Sneaky group.

Zero stars are not an option. Awful! I had emergency dental work done and I have been paying back for years. They have started calling up to four times a day. No one speaks English and if you do make a payment, they try and squeeze more money from you. I pay what I can, when I can. No need for harassment! Do not use this company.

I gave them one star because there was no half star. Well, I purchased hearing aids for $4,000.00 and a payment of $107 a month, which I can afford, and sometimes I double the payments, but if they don't get the payment exactly on the due date, even if I'm paid 2 months in advance. The phone calls start, prerecorded, then people who are rude, demanding, and speak poor English. I don't even answer the phone anymore as I know I'm in good standing. They said start direct pay, I won't do it because I don't want them to have access to my account. I mean hey if they can't post my check in time, what would they do with access to my account?

I receive several calls a day from different numbers, all GE Money. When I call back, it states that "this is a non-working number" and hangs up. I just paid on my account $25 per month and 2 weeks later, I got a call asking for another payment. I just paid them my monthly bill. I only took out $165.00 for dental work and now they harass me right after I made a payment. This is a very shady business, I will never use my card again after this.

I am extremely upset at how they continue to apply late fees to accounts when payments are made on time. I am then forced to deal with inept, rude CSR's who feel it is their job to chastise me about my account. They connect me to an account manager who never answers the phone. Twice I have been connected and held 45 minutes each time.

I have never been late on a payment. I have a promotional balance that continually accrues increased payments and/or late fees. I am going to pay the balance off and be done with this company. Someone should look into their shady practices.

Several years ago, I co-signed a Care Credit loan for my wife, Annette **. I moved to North Carolina 4 years ago, lost the job I had moved here for, and eventually filed Chapter 13 here. I included GE Money Bank in my filing. I'm nearing the end of my bankruptcy, and wish to pay these people in full but can get no answers to repeated phone calls, and letters.

My attorney has written them twice in the last 60 days, with no response. I'm frankly at wit's end. My attorney says there's nothing more they can do for me, and the Court won't help either. My full name is Richard **. You have my wife's name above. If you require additional information please email me. I simply want to know how much money I owe these **. Other than the described above, none. I can complete my "13" and walk away, but that's not who I am.

This account was set up as total amount due by 7/12/12 with no interest. This account was paid off with three payments, paid far in advance. However, it did not prevent this company from applying late charges (one of which they did discard), but only after many telephone calls. As of today, I have talked with a representative who cannot tell me how it will be reported to the credit bureau, other than it will reflect "Paid in full". It has been paid in full months ahead of due date. Please be aware of this company. I do not know if it is their computer system or just the way they do business, but they are very inept in their record systems.

I purchased a camera around Christmas 2009. The salesperson stated that there are no payments or finance charges for 6 months. Around March, I received a phone call stating that a payment was past due of $10.00. I explained to customer service what I was told, and they said it was no finance if a minimum payment was met each month and they were now charging finance charges since the $10.00 payment was missed. I told them that I would be happy to pay the full amount of over $500.00 if the finance was dropped since it should not have been there, and also, I did not want my credit impacted by a late payment.

They agreed to remove the 30 day late payment from my credit history if I paid the amount in full plus a $15 dollar phone fee to make the payment. I agreed and paid the balance in full that evening. To my surprise, the 30 day late remains on my credit history as of November 2011. I contacted them and disputed the lateness with the credit companies but GE Money said there is nothing they will do to remove this one negative item from my credit report. They blatantly lied just to receive over $500 and I also lost my interest free time to pay in.

I have sent my monthly payments every month on time and always paid more than the minimum required payment. Last month, they are saying that I have not made a payment in two months because I sent my payment too early on the cut-off date (this month's payment is not yet due). Even though I explained that the amount they received in October was in fact October's payment, they insist it is not. Now they want both months' payments immediately (which they already have as my November payment will be posted tomorrow) and they will increase my payment, but will remove the late fee. Currently, I have made one payment every month and paid more than required. I do not understandshady company.

After discussing this with the person on the phone, who was difficult to understand and getting only minimal satisfaction (no late fee charged), I assured them I would simply pay off the balance and be done with them. I will also notify Rooms To Go as to my dissatisfaction with their choice of credit companies.

I used the card two years ago at lsu. After I paid off the balance at GE money over the phone, they had no record of the bill being paid. It was paid on August 6th, 2010, the amount of $255.16 with confirmation #**.

I made repeated tries to access GE Money Bank's web page to make a payment with no success. I am unable to find links for payment on various GE web pages. Finally, I called the toll free number to make the payment.

After lengthy delay, I was able to speak to a representative to make the payment. I had difficulties understanding her. It cost $15 to make the phone payment and the associate would not cease trying to sell additional products (i.e. credit monitoring).

It's a horrible company! I used 320.00 dollars for my pet's medical needs. I paid on time. I missed a payment for a week for I was in the hospital! They call me several times a day, and tell me the calls will stop. I get calls after 8 pm, which to me is illegal, and on Saturdays and Sundays! I told them for the third day in a row to expect payment. But nobody is kind or either downright lazy to note my account with the information! I feel they are some type of mafia! They aren't very customer friendly and understanding. They tell me the calls will stop but never do. And they must be outsourced because I don't understand them sometimes. I wonder how they get away with these bad practices, and how I can stop the harassing calls.

I sent a money order to Daddy's junky music on October 20th for the purchase of a guitar $539.99 (Manchesternh) One week later, they shut down the store, phone, website and all I'm told was that GE Bank holds everything now. I did not receive my guitar or my money order back yet. Can you tell me what happens to my money now. It's not $5.00 or $20.00, its $539.99.

I sent my October payment to GE Money Bank on 9 October 2011. The representatives from GE Money Bank called me, asking for my October payment on 29 September 2011. When I told them that I had made the payment, they told me to authorize a check for my October payment. I hung up. They called and woke me up on 30 September 2011 (a Sunday) and I told them the check had already cleared the bank. They told me to send them a copy of my bank statement to clear this up. I told them that they must be crazy that I would send them a copy of the cashed check, which I have done.

I want this matter cleared up and the harassment to stop. It would be nice to get a call from someone of authority stating I did the right thing and they were in the wrong.

I am getting around 4-6 computer phone calls, directed at a family member, who hasn't lived with us in well over 10 years. The recording instructs you to press the star key to speak to a representative. Well, I tried that a few times & was hung up on every time. I even tried pushing the code to say, I was the person they were intending to harass in hopes of talking to someone, but guess what? Yes, I got hung up on again! Try to get an email address for this horrid company. Good luck! I want the phone calls to stop. The debt they are trying to collect, isn't even mine!

I am having serious problems with my JC Penney account and I believe it happened starting a few months ago when their bank changed to GE Money. I am paying the minimum payment each month, plus I am paying additional payments but not getting credit for them. I have had many late fees. JC Penney is sending statements to USAA Bank, which automatically sends the minimum payment. I also make payments from Wells Fargo. I don't know exactly what the problem is, but it seems that only some of my payments are being credited. I have written and called and cannot get an answer. I am being billed online to two different banks. Help!

GE Money Bank has twice now caused issues for us. We bought new tires at Discount Tire and were told that by opening an account with them, we'd get deferred billing for nine months.

After month one, they tacked on interest and started calling, demanding a payment. We immediately paid it off and said we'll never use them again. Apparently, they now are in charge of JCP accounts and neglected to send me a bill for the month. Then they started calling daily with an automated computer generated call, which gave no information as to why they wanted me to call (a non-useable number) or email JCP credit (just got me to their website with no reason given what I was supposed to be looking for).

I finally tracked things down through JCP themselves and we straightened it out. Having called back the number that was auto-dialing me, I reached someone, obviously out of the country who was difficult to understand and deal with. From now on, if we see the name GE Money Bank attached to any company, we will avoid it at all costs!

As others have stated, GE Money continually calls and sends emails despite being advised to only send snail mail. You get absolutely no leeway on payments even if received a mere 24 hrs late. You get whacked with interest and late fees.

I've told them repeatedly that I send out the payment in plenty of time to reach them and I don't know what their people do with the payment, whether they make origami or paper airplanes with it so that the various fees are incurred by me. And for them to not hold their breath insofar as their getting paid said fees. I'm beginning to think they're like another company that is being sued federally for being predatory lenders.

In 2009, I started using two GE Money Bank credit cards with a $500 limit. When I started using these two credit cards, my APR rate was around 20 to 21%. In 2010, due to the troubled economy, I noticed that the company increased my APR up to 26%. I contacted the company and asked why did my APR was increased when I have not missed a payment or defaulted on my accounts in any way. I was told that due to the economy, the company was raising all card holders' APR rates. I asked for a review of my account to have my APR lowered. I was told by the representative that the company does not do reviews of account holders. I continued to use these two credit cards in hopes that after time, the company will allow me to have a review done on my account and lower my APR rate back to the normal agreed-upon rate when I signed up.

However, in January of 2011, the GE company conducted another review of my account and increased my credit limit up to $1,500 and my APR rate up to 29.99%. I recently contacted the company again on October 26, 2011. I asked the representative if I can have a review done on my account to lower my APR rate and decrease my limit. I was advised that the company does not do reviews of accounts and my request to lower my APR rate and decrease the credit limit will never be done. I am upset to learn that a credit card company can do reviews of account holders' information and make whatever changes the company feels is appropriate, but will not allow the card holder an opportunity to have what the company did reversed. I understand a company can increase these rates at will, but I feel now that the agreement I signed has no legal bearing as the company sees fit to keep increasing my rates, changing my account terms, and providing me additional services that I have not had a chance to review and agree on. I have never missed a payment or been in default with this GE Card company. Their representative advised me to write a letter to complain about my 10% APR increase while no manager or higher supervisor was able to assist me.

I understand card companies have to do business and APR rate changes. But as a consumer, I should be protected against companies who are now abusing these APR rate increases. I have other credit cards with higher limits, and rates way lower than 29.99%. I have been with this company for more than three years, and they place me at the highest APR rate allowed for a customer in good account standing and no opportunity to have this reviewed and investigated. I feel for other GE card holders who have to experience this same kind of treatment where the company provides no attempt at a resolution, but can quickly resolve their issue of getting more money out of their customers by raising APR rates.

I purchased a 2006 fun runner trailer with another person. After having the trailer for a few years and making on time payments I fell on hard times and lost a business. As the other party on the account wanted to still keep the trailer, so I did and signed everything that the other party and GE money asked for to release ownership of the trailer and break the contract so the other person could refinance solely in their name.

As far as I knew it was taken care of and I had no more ties to it. As of yesterday 10-27-2011, I received a notice in a "hand written" envelope saying that the trailer had been repossessed and was up for public auction. I had ten days to recover the trailer, but the notice was dated 9-27-2011. I called GE money and they were of no help. I wanted to work something out to continue payment and save the trailer even though I had not received a scrap of paperwork, i.e. statements, notice of repossession, nothing at all in 4 years or so. The guy I talked to, Lars, before he hung up on me was a total jerk. He refused to work with me and just kept asking me "well, whose fault is it? " He couldn't answer any questions about where my notices and statements had been since I was under the impression and told that it was refinanced and out of my name.

The only address he could give me was an address I had never heard of, none of my addresses that they had on file before all this which is still my current address. The only thing he said was I can pay in full, that's it. Other wise I still owe the difference if it sells for less then what I " supposedly " owe! There is something terribly wrong with this!

I have a Lowes card and GE Money had the account. I was charged late fees for no reason at all. I was harassed. They'd call at all times of the day & at night, 10-15 times a day. They were rude on the phone. Although I asked them to stop calling, but they still call and they get very nasty on the phone.

My balance went from $900 and cents to over $1200 and cents in 2 months. Somebody needs to stop GE Money Bank from cheating customers.

I purchased $78 worth of merchandise on a JCPenney Credit Card because of an additional discount offered. We rarely use this Credit Card because of the ridiculous interest rate! Our intentions were to pay it off immediately! We never received the billing because our address was changed by the township construction of another road entrance and an address change. The Post Office never delivered our mail.

G.E.Money Bank, acting as a collection agency contacted us and we agreed we owed the original amount, but we would not pay the outrageous interest charges. Eventually, we agreed and paid $133+ to settle the account. G.E.Money, verbally, said that this would not impact our Credit in any way. They lied.

I purchased furniture from Bassett, financed by GE Money Bank for $2,227.83. I set the bill up for automatic payment at the beginning of each month through my bank. Then, I noticed that I had been charged a $39.99 late fee for a payment that arrived before the due date. I called GE Money Bank to ask about the late charge. They said it had been charged because my payment arrived before the next billing cycle, which occurred at the end of each month. They refunded the late fee. And I moved my automatic payment date to a later time in the month.

For the next three consecutive months, I was again charged late fees, even though my payment posted after the billing cycle start date and before the due date. I again called GE Money Bank who said that they would not refund the late fees. I then paid the principal balance in full, minus all late fees and interest charges, before the 12-month interest-free promotion ended. I accompanied my check with a letter which explained all erroneous charges in detail. Because I did not pay the erroneous late charges, GE Money Bank did not consider the balance to be paid in full. And they continued to charge additional late fees each month, along with back interest for the full purchase amount.

The service rep, Dena **, was very kind and competent. She sent me to the next level. Then, the man informed me that he was the highest level to whom I would be allowed to speak. After that, he hung up on me. This was after a 30-minute wait on the line to speak to one of his height. I was asking regarding the $300 plus fee that was applied to my $518.53 bill. It's because I paid in full 5 days after the date cited, although the back of the statement says that I have 23 days to pay in full with no interest charge, be waived. He said that the company had apprised me of the consequences. But I said that the back of my statement said I had 23 days, and I had paid the bill in full. He ignored my reason and my request to talk with someone who had the authority to waive it, if he did not. Then, he hung up without giving due redress. This company needs its nefarious practices publicized so people know better than to use them.

I originally applied for a card at Appliance Factory Outlet and was approved for $4500. I decided not to purchase our mattress there and went to Select Comfort. I applied for a card at Select Comfort and was denied because I had a recent credit. I closed the original card I had gotten for the $4500. I called your customer service and was told everything should be fine and to go reapply online again, which I did. I was denied again for a duplicate application. I was then told by your customer service department to go to the store and they could get the application approved. I went to my Select Comfort store, they entered my application and was denied again. I called customer service and spoke with Tammy who was of no help at all. I wrote an appeal letter in which my Select Comfort store faxed for consideration and she was told it was still denied because I had applied too many times.

I applied for a loan for flooring in my home through Lumber Liquidator, who go through GE Bank to finance flooring. My credit score is over 800, I have zero debt to income ratio, and I have an income of over 6k a month. I was turned down for the 11k amount for the flooring from GE Money.

I have since gone to Lowes and was accepted for the full amount of the flooring. I had to pay a little more for the flooring, but it was so well worth it. Thank you so much for turning me down. I will never have to be subjected to their crooked ways because I will never do business with their company.

I have beautiful floors that have already been paid in full with no interest charges and no underhanded GE Bank involved in any way. Thank you again for turning me down. It was the best thing they could have ever done for me. I don't have to worry about the likes of them messing with my exceptional credit in any way.

They suck! GE Bank is the worst company I have ever dealt with in my life. They would always send my bills late, hoping I was default on a payment so they could charge me interest. And when I paid off my debt, they didn't even send me a notice or a thank you. They are the exact opposite of Apple. Apple is glorious! GE Bank stinks!

I opened an account with GE Money CareCredit for dental work back in 2006. In 2010, I used their 12-month promotion plan for additional dental work. I wasn't able to pay the full in amount within the 12-month timeframe and was slapped with $675.35 in interest charges on 10/3/2011. In addition to the $675.35 within one year of the deferred payment interest payment plan, they also charged me $35 every month in late fees because, according to them, I did not make a full payment for seven consecutive months. A total of $241 in late fees.

When I reviewed my payment history, it showed where I have consistently made payments with exception of one payment in May 2011. So in June, I thought I had caught up the payments by doubling the next month's payment and making the payment ahead of schedule, only to find out that GE had increased my APR to 29.99%. They also tacked on the increased APR interest amount, which made each payment short. Therefore, between 6/26/2011 and 10/03/2011, GE Money has charged me an additional $916.35 in interest and late fees.

I plan to transfer the balance to a lower interest credit card and never use GE Money again. When I called them about the outrageous fees and interest, they were not willing to work with me and gave me the impression that they did not value me as a loyal customer for more than 5 years. This company is the worst I ever seen. If you're smart, I will take your business elsewhere and fast!

I called about changing my bank account number on my automated draw because I had my account number changed. I did not see where to change it on the web site. I waited 15 minutes only to be connected to one of your foreign workers who was unable to communicate and was very rude. Use Americans who can communicate and work with people, not rude foreigners.

Their company calls constantly but never leaves a message. I notified them in writing to stop, but they never did. They're still calling up to ten times a day and often after 9pm, which they're not allowed to do. I can't seem to get them to stop.

I took a card out with these guys for an emergency medical procedure. Twelve-month promotional deal. I guess I didn't read it carefully enough. If you don't pay full balance by the end of the promotional period, they would slam you with the full deferred interest on your full purchase amount. Thinking the worst thing that would happen after 12 months is that the rate would jump up on my remaining balance, I still planned to pay them off on time.

My work and travel made me six days late on what I thought would be my last payment - about $300 on the original $1600 purchase. Instead, I have a promotional interest charge of another $285 tacked on. Like many, I am scrambling to pay my bills, and these guys already made $175 off of me in late fees this year. When I called to try to get the interest charge reduced, the initial customer service and supervisor told me they can't do anything. I asked why not, after all, they wrote the contract.

So that's how they do business, $450 in additional fees for an emergency medical procedure. At least they were quick to remind me that it was all my fault, since I agreed to their deal, and I missed the payment. If you are with these guys I recommend you refinance your loan, close your account and tell your friends to do the same.

I would like to give this company negative 10 stars. This company withdrew the entire balance of my credit purchase with them from my checking account due to a website error. They were extremely rude to me. They were saying things like: "this is not our problem," "I bet you'll be more careful in the future," "I do not want to listen to you anymore," "are we done here?" They also refused to do anything to correct the problem. I collaborate frequently with relocation agents and companies. I am filing a formal "do not use" submittal for GE Money to ensure that no one else has to experience this.

I applied for an account with GE Money Bank and my initial application was approved. However, my computer crashed right when I needed to print the approval form. Someone at GE told me to apply again so I did, but their system said I had already applied. I called back and they told me to re-apply at Rooms to Go. So I applied today, 10-3-11. Again, they said I would have to contact GE Money. I called GE Money again and they had no record of my application. I told the customer service agent that if GE doesn't have a website as horrible as them, they hundred percent need to have technical support.

On December 14, 2010, I was offered a payment plan by GE Money Bank that, effective on October 1, 2011, would change the name to GE Capital Retail Bank in order to pay a balance of two hundred and thirty seven dollars with ninety cents ($237.90) from my Banana Republic account. GE Money Bank provided a written letter stating the terms of the payment plan. According to the letter, GE Money Bank was supposed to deduct a monthly amount of twenty dollars ($20.00) from my bank account every month starting on December 20, 2010.

In addition to the $20.00 deduction, GE Money Bank is also charging a monthly amount of thirty five dollars ($35.00) without proper notification and without my consent. Furthermore, this extra $35.00 charge was never mentioned verbally when the payment plan was established on December 14, 2010 nor have GE Money Bank provided any written documentation with regards to the $35.00 deduction. On September 13, 2011, I called GE Money Bank to obtain a balance on my account. To my surprise, the balance was four hundred and seventy five dollars ($475.00). I immediately asked the representative to explain why the balance was so high. The representative indicated that $35.00 was charged because of late fees.

I challenged the representative because how could I make a late payment if GE Money Bank was deducting $20.00 monthly from my account? Then, I asked for the manager and the manager indicated that this $35.00 charge was included in the initial plan. This statement is totally incorrect. I was never notified by GE Money of the $35.00 deduction.

It's not possible to give them negative stars? This is absolutely the worst, most unprofessional group of people I have dealt with as a consumer. They are horrendous. If they do not receive the payment exactly on the due date, they call you immediately. For me, it's always Sunday mornings. Despite my numerous requests that they not call me on Sunday mornings, they do so every time. They are absolutely horrible.

Purchased the bike financed for $7,300 though GE Money Bank. I was never late and only 3 months in, and have made principle payments of $200 each month but the principal can not be found on our statements. Each statement comes back with a $0.00 due for next month and again we pay the $147 for the bill amount and the $200 principle additional. Two separate checks are drafted out of 2 separate accounts. One account handles bills, and the 2nd account handles the principal. Again, 3 months into the bill. I only purchased the bike in June, the 1st bill was on July. On the 2nd month of making the payments, we had a pay-by-phone amount declined but was given a confirmation number. We were not notified until we called to ask why our principal amount was not deducted out of our account. GE stated Chase declined the check by phone.

I contacted the bank, Chase. The bank stated that the payment was never declined nor received by them where the account is through, and there is no reason to decline a payment unless there wasn't enough money in the account. There was money in the account. I received a bad check fee charged to the account and GE refused to take a payment more than $150 for August principle by phone. So a 150 principle payment for August and a $95 principal was mailed and received, $200 for July principal, for September - $200 principle. It is very simple here. We are paying extra towards the principal to pay the amount down not paying in advance. To date, there has been paid approx 441 for the 3 payments and 645 for the principal and the balance is at $7162? The supervisor can not give us the correct balance and will not give us a 10 day payoff. We have contacted an attorney in regards to this. Right now, a letter is being sent requesting the full history of this 3 month loan including interest, principal, fees, and balance. We wanted a motorcycle and to get the price we wanted we took the loan that was offered. We made sure prior to the purchase that we could make pre-payments and that there were no penalties for paying principle. Looks like GE Money Bank is ignoring the rules and regulations set forth by the FDIC.

GE Money has called me at least 2 times a day for over 2 weeks. There is no one there when I pick up. When I finally could get to the call in time and was asking them to never call me again, they hung up on me. I would never use GE Money. This is a very rude, uncaring way to treat people you hope to gain as customers. I will get the work around.

The account was paid in full on August 16, 2011 and the title was to be mailed out. I would have it within 30 days. I had to call again to customer service and the woman was rude and combative towards me. She had no idea what I was explaining to her and only wanted to force her view on me. She had no concept and showed no compassion to the fact that when you pay the item off, you would want the title as soon as possible, just as GE Money Bank wants its payment each month.

We have several accounts with GE Money Bank and we pay our bills on time. There has been a few times we might have been a week late. All of a sudden, I'm getting 5 to 8 calls per day with an automation recording, "Please press 1 if James". We've checked our bills (have a mail container with 31 slots for bills to go in on due dates) but don't have one for the bill they are talking about. So I told them to send us another bill and we were told it will take 7 to 10 days to receive another bill but they would not stop the harassing calls unless we paid on the spot. I told them to do no more calls, and just contact my mail only. But they continued to give harassing calls - up to 8 to 10 calls per day. Thank god I can change my number, even though I've had it for 30 yrs. This company needs to be fined big-time for harassment. We always pay our bills even in these tough times. Maybe a few are a couple of days or a week late (I think we've been late five times in two years) and never any later, and if I could score us, it would be a 10. I was considering using them again but after this GE Money Bank died, I will not ever use them again.

I submitted my usual $25 payment on time on the statement that I was sent. I got a collection call from GE Money Bank from a lady with an attitude who said that I had not made my monthly payment. I was confused and made that month's payment plus one that was coming up for $25, a total of $50.

I later discovered that GEMB has issued me a second account number and that is the one the lady said that I did not pay. A few weeks later, I received a check for $25 from GEMB so I took it to my bank and cashed it. Two weeks later, I received a call from my bank saying that GEMB had put a stop payment on the check and I must go back to my bank and repay the $25 and get the Stop Payment check back and take it to GEMB to receive my overpayment of $25.

At this point I am so confused as to who owes who and what and that I have a Stop Payment check that I don't know what to do with. I want to pay the balance of the loan to get GEMB out of my life. They have caused me confusion, frustration and I hope most of all they have not damaged my credit score.

Is there anything you can do to help me straighten out this mess? I do not know how much I owe GEMB. Do I deduct the $25 they stopped payment on or do I owe them $25? They are still sending me two bills with two different account numbers.

I purchased approximately $3,000 in appliances from PC Richard & Sons. I was told I had a year before I had to pay in full, using this credit card through GE money bank. We paid $500 on our first bill. We then received a second bill and didn't pay anything and were charged a $15 late fee for penalty.

We called and we're told that we still had to pay some amount each month. I explained that we were told we didn't have to pay anything for a whole year. I also told them that we had paid $500 of the $3,000 balance in the first month. They said there was nothing they could do about it. We then paid the balance of $2,500. We still continued to receive bills from GE money bank for late fees.

My experience with GE Money Bank, has been frustrating. Three separate times I had tried to make a online payment. Thinking my payment went through because of their confirmation at the end of the making the payment, only for two weeks later to receive information that my payment did not go through because they could not find my bank or account. The account is a Chase Bank account, one of the largest banks. Because they considered it late, they added fees. I even spent time going through the bank information setup online with a customer service the first time it happened. Their customer service department is in India and are no help. They insisted I put in the wrong information. They gave me the number they had on record for my checking account and it was wrong. There is no way I put in the information 4 times incorrectly.

It is a racket, either they are manually changing numbers in order to charge additional fees or they have a major problem with their software. They told me to send in a payment. I don't feel good about that either, I am concerned they will say they did not receive the payment. I am going to send in the remaining payment and see what happens. I wish I never signed up for this credit card and afraid for my personal information they have in their possession. Stay away from GE Money, unless you want to be frustrated and pay fees because of the way they handle the information given to them.

They are collecting for my Chevron-Texaco account which I am paying monthly. If I am a little late, GE Money starts calling at all hours, late evenings, early mornings and weekends. They call more than four to five times a day. I pay Chevron-Texaco directly. Sometimes, I have to wait on my SS check. If I still have my account with Chevron-Texaco, I don't see how GE Money can legally make these harassing calls.

I am disturbed and awakened, and interrupted on other calls due to the constant calling by GE Money.

I am 65 years old and do not get to my phone easily. It is very upsetting to have a company calling someone four and six times a day even if I wasn't semi-disabled. I am not even sure it is legal.

I have received collection calls on my cell phone and in my home--sometimes, every 15 minutes each and every day. I paid $** on my account in March, and made arrangements with the operator that the balance would be paid in September. I have done so. When I saw my statement, it showed $387.82 in fees and charges. The actual balance on my purchase is $486.16, that I have remitted in settlement of this account.

In August of 2010, I purchased an item from a local retailer who offered 12 months no interest. Upon receipt of the first invoice, I set up an automatic payment for 12 equal payments with CitiBank, who the 12-month no interest deal was initially set up with. In the ensuing months, the account was purchased by GE Money Bank and each month, I would receive a letter authorizing them to deduct the money from my account. In August of 2011, the final payment was made and I assumed that was the end of it. Imagine my surprise when I checked my bank account in September of 2011 and found that another deduction was made from my account. I immediately contacted them and was told that I had to send them a letter to stop the deductions. I explained that I had never authorized any deductions beyond the 12 payments and that they had no right to take the money. I was then told that they would refund the money in 7-10 days, but that I must send a letter to them asking them to stop the deductions. Consequently, I have a credit balance with GE Money Bank which makes no sense at all.

I purchased an item on a 12 months, no interest credit and set up twelve equal payments as bank drafts through CitiBank card. The account was then bought by GE Money Bank and the drafts continued. I paid off the account in August. Now, I just checked my account and another draft was made in September, leaving me with a credit balance. I am now told that in order to stop the drafts, I must send them a letter to do so. In addition, they will send me a check in 7-10 business days, instead of reversing the bank draft and refunding my money immediately.

I have never been late on a payment for my GE money card. In fact, I have always paid well over $100.00 more than the minimum payment. (My son has braces). Well, in July of this year, there was an issue that was internal; I think with GE money or my bank. Either way, I called and asked if they could waive the $25.00 late fee since I had never been late on a payment and it was just an internal error somewhere. The best that they would do for an on-time paying customer was $12.50. Watch out everyone.

I am being sued by a company, GE Money Bank (GEMB/Home Design-HVAC), which I have never heard of, nor have I ever received any indication they existed. After being served a summons for debt collection, I checked by credit reports to find them on it.

I filed a dispute, but the report came back that this is correct. So now, it looks like I need to place fraud alert on my credit reports. And I still have to go to court.

I recently contacted GE Money about getting a Lean Release form for a motorcycle that has been paid off for eight or more years. The loan was originally with Transamerican Commercial Finance and I was told the GE Money had bought them out and that is who I was to contact.

I tried for hours to speak to a "person" and could never get anybody, just the recording. Finally I spoke to someone and explained to them that I needed a lean release form for a motorcycle that was originally with Transamerican Commercial Finance. They told me that the title department would only take requests by fax and they do not take incoming calls. So I faxed them all of the information and I was told it could take up to six weeks to receive this information.

The next day I faxed them again requesting that they call me so I know they had received the fax and explained to them that the motorcycle had been sold and I would like an estimate of the arrival of the lean release. I have never received any communication from GE Money.

I think this is a terrible way to do business and if I were to take out a loan and GE Money was the bank, I would refuse to use them. My experience with this company has been less than pleasant.

I received a letter from JCPenney GE money bank creditor reference number ** dated July 29, 2011 saying that someone opened an account under the name of Miguel ** which I never opened. I called trying to have them cancel that account but they did not honor my request. I opened an account about 2 weeks after that date. I told them that I do not need an account with them but they would not cancel.

I have never paid a bill late in my life. All of my bills are emailed to me directly and most are autopay. With GEMB/GapCard, I was set up for electronic billing and notification prior to due date and if any bill went past due I should be receiving an email. Today, I pulled my credit and discovered a late bill to Gap that was over 30 days late. After 45 minutes of being on hold and complaining to India customer service, the manager waived the late fee but said it was impossible for her to remove any derogatory reporting despite my lack of notification about the bill being due. My credit report clearly shows I've never been late with a payment to them since my account was opened in April 2001. Evidently, ten years of perfect payment history doesn't warrant a warning email despite being signed up for it through their website. Now I have to lose time and sleep and hope that the package is actually received, reviewed and approved for removal of derogatory reporting from the bureaus.

Avoid this company at all costs! I have never dealt with such a dishonest company in my life. Each time you call, you get different conflicting information. I was told that my account was transferred over to Santander, so we started sending our payments to Santander. Then 2 months later, I got a call from a repo company saying that my motorcycle is getting repossessed because my account is 60 days past due. Well, this was news to me!

When I called GE, they told me to contact their repossession department and told me that their computer shows now record of my account being transferred to Santander, and now I have to pay the remaining balance of the loan if I don't want it repossessed. They won't give me the opportunity to show that payments were made and that it should have never gone to repo. The only option they say is to pay off the balance. But the balance they have does not reflect the payments I was instructed by GE previously to send to Santander. So in the end, the payments made to Santander were a waste of money.

On August 3rd, I mailed a money order in the amount of $80.00 for my first payment on my GE Money Bank account; the payment that was due was $78.00. On August 15th, I received a phone call saying my account was past due $163.00. I was informed that no payment had been received for the August 8th due date and that the next statement had already cut with a late fee and another $78.00 payment. I told them I mailed the payment on the 3rd and that I would contact Western Union (the money order issuer) to check the status. I contacted Western Union who confirmed that the money order had been cashed; however, if i needed a copy for proof of payment I needed to send their research department $30.00 along with a notarized statement, containing the information about the money order.

I called GE Money Bank again and spoke with Frank **, a department manager, to give him the update on the money order status. I requested my account to be noted in regards to the conversation and that as soon as I received the information from Western Union, I would forward it to them. At that point, I told them I would make my next month's payment prior to the due date.

Five days later, I began receiving collection calls. The automated dialer would call and I would get disconnected. Yesterday, August 27, 2011, I spoke with another representative who told me the account is delinquent and as long as I did not make the required payment, I would be on their collection call list. I told her that I made my payment and that the money order was cashed by their company but was not appropriately posted to my account. I also told them to stop calling me in regards to delinquent payments.

Today, August 28, 2011, I have received 3 phone calls, of which all three times I was hung up on by their automated system. I returned the call to their office and spoke with Paul **. In this conversation, I reiterated my case once more. I asked Mr. ** to stop with the collection calls. He said he could do that but he told me to be aware that if they took my name off the collection call list, my account would be forwarded to an attorney for prosecution,

We purchased two motorcycles which were financed through GEMB. We have an impeccable credit score (over 800). We pay all of our bills electronically, so we were stunned to find out that a company as big as GEMB did not accept electronic payments. If they don't get the payment the day it is due (even though you are forced to send by snail mail), they send you notices and call you.

So this past month, our bank said that GE now accepts electronic payments, so my husband submitted both bike payments. The first was submitted on 8-15 and GE says it was processed by them on 8-16, which means that they had to have received it electronically. When my husband tried to pay the other payment (for more than the actual payment), GE rejected it (we guess because it was not the exact amount of 131.02, we paid 135). So he submitted it again.

The online banking shows the one account can be paid electronically, but the other is check only. This makes no sense. When we called GE, they wanted to take yet another payment over the phone (instead of verifying with our bank that payment was sent). Then they maintained that it "was not possible for them to receive electronic payments!"

These people are **! My husband said, well if I submitted it on the 15th and you processed it on the 16th, it had to be electronic. How could it possibly be a check? They had no answer. We are going to call our credit union post haste tomorrow and get the bikes refied. We are not going to let these jokers ruin our credit. Stay far away from these guys!

I purchased some appliances and was making monthly payments without an interest. Without being aware that the promotion date expired, they charged me with $836.82 interest on a balance of $2,007. I have asked them to lower the interest but they refused. I am so upset. They are now charging me for a 29% interest. It's going to take me forever before I could pay this account off.

This company sends me a letter stating that I have "insufficient credit history on file" for applying for a Lowes card. First, I never applied for any Lowes card and secondly, I have a great credit and just got a loan not long ago. I haven't been late on any payments in years. So, this company evidently got me mixed up with someone else with the same name. Things like this gives a person's credit and personal life a bad name.

My first dealing with GE Money Bank was about a year ago when they repeatedly said that we had not sent in our payment for Sam's Club, which we had. We've had several late night calls from them (We live in Alaska and their business hours are our 3:00 a.m.). They constantly called to tell us that we were late on a payment. So, this goes on for months. Eventually, we acquired a lawyer who said, "No worries. I'll have this settled in an hour." Finally, GE Money Bank found their mistake and admitted that we had paid in full.

Now, we're at it again. After they were informed by a lawyer not to contact us again, they are on the phone wanting to speak to my father (cardholder), who is literally on his death bed as I write this. When I informed Cecilia that he cannot speak to her and that he was incapacitated, she insisted on talking to him. I had to yell on the phone that my father is dying for her to finally understand. But for the ** record, here is our confirmation number again: **.

I called GE Money Bank to try to get the horribly high interest rate lowered on my $1100.00 account with Ashley furniture. Originally, the account was with Citi with a six months same as cash. Two weeks after my purchase, I had a stroke. My son was paying my bills, and he was only making the minimum monthly amount due, as per the statements, not knowing that I was under the six months no interest plan.

The minimum payments did not pay off the account, and Citi sold the account to GEMB at 27.99% interest. I called GEMB to see about getting the interest rate reduced (I have an excellent credit rating) and they said that they don't do that. I asked for the manager but she said the same thing. While I was pushing for other options, she told me that they do not negotiate with customers, but if I call one of their Consumer Credit Services, they would look at their offer. I called their recommended Money Management Int'l. They offered a free one-time credit counseling appointment to determine if they can help, but to actually do anything, or make an offer to GEMB it will cost you. Interesting, the only way to negotiate with GEMB is through a company in which they have a contract with, and at a fee! What is wrong with this picture? No Thanks! I am not falling for that scam.

So far for 2011, I have had to pay $346 in interest. Trying to pay off this account is very difficult due to the high interest rate. I have great credit and there is no reason I should be paying such a high interest rate. It's very difficult due to the fact that I am still recovering from my stroke. Lowering the interest rate would help me get this monkey off my back.

I bought furniture from Ashley Furniture almost a year ago on their interest free payments for 1-year plan. I did the math and divided up the amount over a 12 month period so I would have it paid off. Shortly after the purchase, my account was sold to GE Money Bank. They gave the option of auto payments from my checking account. I immediately signed up.

In May, my purse was stolen and the thief was writing out checks. I closed my checking account that GE was drawing off of and called them to set up autopay with the new checking account. They were told that I had the other autopay set up. Nothing was said to me about it being a different autopay system. I naturally thought one autopay was replacing the other. Later, I get late charges from the old checking account. The bank manager had opened my closed checking account to refund a fraudulent check that was written and forgot to close my account immediately. I called and explained the situation to GE Money Bank. I was told that the two autopay accounts were two different systems. I said okay and would go onto the previous system to stop the autopay.

Unfortunately I could not remember my login or password. After four tries, I was locked out of the system. I called them again. They said there was nothing they could do to stop the automatic payments and that if I, "didn't want anymore late fees, I better remember my login and password". After further discussion, the representative took notes in the system explaining my situation and I told her I would try to remember my login credentials.

In the meantime I've talked to my personal bank to make sure the old checking account is closed. So what does GE Money do again this month? They try to withdraw the money that they've already received off the new checking account!

I'm so sick of these idiot people. I was able to remember my login credentials today. Lo and behold, I get a phone call trying to collect "the debt". What debt? I have paid on time, in excess, every month since I bought the furniture! When I asked for the manager, I was told that my late fee would not be refunded since it was refunded last month. I asked for a manager three times and I was refused! Duh! Because they keep trying to withdraw from a closed checking account! I'm done with these people!

My fiancee and I signed up for a Wal Mart/Discover card near the middle of July 2011 not knowing that GEMB was the attached finance company (my fault) and we were made to wait due to their supposed need to verify some of our information. It was a minor inconvenience that we had to wait until Monday to speak with them as we applied at the store on a Friday evening and as we all now know, GEMB has no active employees on weekend.

After speaking with a GEMB credit representative the following Monday, we were informed that we could not use our new account until we received our new cards, which would take seven-10 days. Well, 15 days later, we finally received our cards and while activating the aforementioned cards, we were informed that we had been approved for only a $700 credit limit, which was less than half of what we applied for and half of even our lowest credit card. But I digress.

The first week we had the new cards, we had done some shopping and ran up about $500 so we decided to call and make a payment of $250. The representative informed us that every phone payment costs $10 so our payment became $240. The rep informed us that one of the conveniences of having this Wal Mart card was that payments were applied immediately. Cool, right?

No, they decided to lock out our account for 15 days and sent out account into loss prevention, requiring us to contact our bank and have proof of payment faxed to GEMB. After having the requested info faxed (twice), they informed us that at the end of the 15 days, our account would again be available for use. Keep in mind that at this point, we have been dealing with GEMB for less than a month and only had the use of our cards for a total of three days.

Once the account was again unlocked, we continued using around $300 a week and since we were only allowed a $700 max, we were forced to basically continue making weekly payments. Also, we were informed that any payment of $200 or more would be placed on a mandatory 15-day hold so we decided to make multiple payments of $180 to keep the card from getting locked out again. Keep in mind that each payment costs us $10 because their online payment system only allowed one payment a month. So on our first month, we ended up making five payments.

We thought they would be happy to be collecting an extra $50 a month from us in phone payment fees alone. Nope, instead they sent us back to loss prevention where we were treated like criminals. They even accused us of trying to overpay to raise our credit limit. Keep in mind that we never paid over $700 total so that claim was pure **. I asked the rep if they were just upset that we were able to pay down the card before we accrued their astronomical interest rates. To that I heard the rep repeat over and over "hello, hello" "no response" click, gone. Nice.

The next day, I received a call from my bank asking why payments were being made from my account using my fiancee's name. We made it quite clear to GEMB that every payment was to be made in my name since they were being drawn on an account that my fiancee's name wasn't on. Thank God my bank was reasonable and cleared all the payments anyway. Dodged a bullet there, right? Again, no.

The next day, my fiancee received an email from GEMB that one of their loss prevention agents had decided to reverse every payment we had made due to the fact that we were "abusing" the privilege of using the card? Seriously! I freaked, but upon calling my bank I was informed that since I had made the payments from my credit line as opposed to my checking account, they couldn't reverse the EFT payments. My credit line can only receive money from my checking account, so yes, they tried to reverse our payments but the system just wouldn't allow it. Again, bullet dodged, right? Hell, no.

This is GEMB we're talking about and they had just decided that since they tried to reverse the payments, they would make sure our account reflected not a single damn payment, which then put us way over our credit limit and unless we made an interest-only payment of $25. I argued and was told that their investigation could take up to two weeks in which time we would be late and then we would receive a 30-day late on our credit. Keep in mind that these people have our ** money, tried to basically give it back and when they found out they couldn't, they just decided that they could put us in this terrible position and force us to choose between making an unjust payment or get a bad mark on our hard-earned credit report.

These people are thieves. They do whatever they want and no matter what you do, they always have another move to put you in a position where you have to either pay their ransom or ding up your credit. I'm so happy that Congress' credit card reform act worked out so well for us in this case. Just reading what everyone else in here has experienced dealing with this shady criminal organization, I have concluded that they just don't care. They do whatever they want and screw up Americans' lives without any care or regret.

Over the past 5 months, it has been like Groundhog Day. It started back in April. They bought out my account from another company. They changed the due day after owning the account for several months. We have an automatic payment set up for the same time each month.

I immediately saw the change and called to ask why. No clear answer. They refunded me the late fee and told me that they would refund me the payment and I would have to resubmit it because it was credited to the previous month's cycle. Thy also told me that I was paying the wrong amount. That too had increased by $3 with no clear answer.

I called back once I received the next statement because it showed the late fee still on my account and that I had made no payment the previous month. When I called to tell them that I was still waiting for the refund, they told me that they were no longer allowed to do this and I would have to submit a new payment on top of the one I already made.

They did credit me the same late fee that they were supposed to credit the previous month. I never received an email, call, or letter saying that my refund would not be coming. In fact, they told me that there was no record of the conversation. I told them the date and time that I called but they said there is no "proof" of it.

I paid two payments for the month of June to rectify this error. I called once both payments had gone through to verify that I was caught up and to re-confirm what my new monthly payment and due day would be.

Jump to August. I have another late fee and I have been called 5 times in less than two days. My minimum payment is now $135 and I have a new late fee. I received no letter about the increase in my minimum payment. They said it was from a previous cycle dating back to April. I asked to speak with a manager because by this time I have had enough. They put me on hold and there I sat for over 40 minutes. The manager told me that because I was late in April (even though it was refunded to me) that my new payment went up to $135, even though I was told on June 23 that my payment was $113 and due by July 27. Now I have been told that my payment will be $149 and that each month it may change. How is this legal?

GE Money has been the company that issued the credit for the flooring that we had installed. We had 2 promotional amounts that were all combined into one monthly payment of $167. In May 2011, I called the toll-free number to see what my payoff amount would be to not incur any payment charges. I immediately paid that amount and still had a balance with the promotional amount remaining.

In May, I asked how much my monthly payment would be going down to and at that time I was told $85 due to the remaining balance on the account. I have paid on time and monthly that amount, but every month I have to call because GE Money says that I am late and tack on a $35 late fee. Every month I have to call and get it removed because it clearly states that not only is my account not late, but usually early for remitting my payment.

This month, after receiving a bill that stated that my monthly payment was $167, I received 3 separate phone calls this morning, but was finally able to take the last call. I talked to someone who claimed he was a supervisor (after explaining myself) and later finding out through him and the other man I talked to, that he was not a manager or supervisor. The 2nd man I talked to started arguing with me and started yelling, after he called me a liar and said that there were no notes showing that I called every month since the large payment to discuss my bill and monthly payment. I called the customer service number and very calmly explained what was going on with my billing. All she could do was remove a late fee, and tell me that I was misinformed and that my minimum payment was $121 and not $85, as I had been told every month since May. I also needed to pay the minimum amount of $167, as reflected on my bill. There was nothing else that she could do to help me.

This is the 2nd account I've had problems with, and hope to never deal with GE Money again.

My first experience was with a Walmart credit card. GE put payments through to my checking account, multiple times in a single month, causing overdrafts.

Now, with a Dental card, I am having this problem again. I had 3-$100 payments automatically deducted from my checking, without my authorization.

When I called my bank, I was told by their customer service rep that she hears this often, about this particular bank.

I filed a complaint with you 3 years ago regarding the Walmart card. Will anything ever be done about this problem?

I got a call on 7/27/11 from 605-355-5648. I missed the call, then called the number back to find that the call was from GE Money advising me that their intention was to collect a debt.

On three occasions, I made an online payment on Ge Moneys website. On three separate occasions, my payments were reversed. I spoke to an operator at GE Money named Richie ** and was advised that the problem was on my bank's (Chase ) end. I called my bank and was advised that everything was OK with each of my bank account.

I called Ge Money back and advised them of what my bank stated and was advised by operator Mark ** that I had given them incorrect banking account numbers on three separate occasions--a bank account that I have had for over 10 years. I requested to speak to a manager, whose name I was advised was Josh **. I told him what was going on with my account and he, too, insisted that I was putting an incorrect banking information.

I felt that this conversation was going nowhere and was starting to see and feel what was actually going on. GE Money is purposely putting bogus banking information on their customers' accounts and as a result, the payment does not go through, and this will cause a $35 late payment to occur. I then asked for the name of the agency that governs their company and he offered to take off two of the three late payment charges.

I told him that I don't intend to accept any of the late payment charges because their company is in error. I then asked again for the name of the agency that governs his company and Matthews was hesitant to give it to me. I asked again, he finally told me that the FDC governs their company and Mr. Ken ** is the name of his manager. I then went back onto GE Money's website and there in the slot where you are asked to put your bank information, was a bogus account information that I did not provide.

I am truly upset, disgusted and appalled that GE Money is doing this. I am being in my face ripped off by GE Money and expect all late payment charges returned to my account. I also expect an apology from GE Money and PC Richards for all that I have been put through. I am also disgusted that I have to select one star when I would rather enter zero.

I have been working with my boyfriend to get a situation resolved for him. He recently took out a consolidation loan through the local credit union, to pay off some old credit card debt.

The credit union made the checks out to the creditors with his name, and account numbers listed correctly on each one. I verified they were correct, and mailed them out to the correct addresses. Chase, Guitar Center and Best Buy all got theirs.

The customer service representative never speaks English very well, and is very hard to understand. Twice my boyfriend has called them with his credit union on the phone to get this issue resolved, and twice they have hung up. Once when a supervisor was requested, and once when the credit union was trying to conference in my boyfriend.

What kind of business are they running?

Now as the payment was due on July 25 and they had yet to credit the payment in full to the account, I made the minimum payment online, just so that no late fees would be charged.

I guess we will just keep on them to get this situation resolved. I will never do business with them, and I urge everyone else to do the same.

I received a loan by GE Money Bank for my motorcycle purchased from a local dealer; everything went well for about a year. I shortly got annoyed of sending checks to their business on time, and they sent me notifications of "late charges" because my payment wasn't received on time or, receiving notifications of "nonpayment".

I called, and they state they did not receive my payment. So, I went to my bank, and ask them to generate my statement report showing GE Money Bank cashed the check on the date my payment was due. I faxed to GE Money Bank this proof, they did not reduce my penalties whatsoever for their mistake.

So then, I arrange for direct withdrawal. I received a confirmation for this action, with the specific date in which it will be automatically deducted from my account.

Four months later, I receive a notice of repossession. I then called GE Money Bank and ask what the issue was. They stated that they have not received a payment in four months, and I owe $627.04 in late charges and penalties on top of the four months regular payments.

I told them to take the bike, I was annoyed with them.

One year later, I heard from a collections agency. Many threats were made to sue me for the outstanding bill owed ($18722.00)--almost $10,000 more than I owed. I told them to come get the bike, but they wanted nothing of the sort. Only after I paid an attorney $1000.00, he talked to the collections agency, and was able to bring that down to $6,000 owed.

Needless to say, I got a different loan from a more reasonable company for the negotiated balance. It's been 5 months now since my balance with GE Money Bank has been cleared, and I have yet to see my title for the bike.

My cat Brandi got bitten or injured. We had to take her to the veterinarian for treatment. We did not have $480.00 for the bill. So, they let us apply for the GE Money Care card. It was a promotional card for one year. I made payments on the account every month, and when I missed a month which was only once, I paid the amount due.

Now I am being sued by the collection agency for $1300.01. I was also unemployed, and my husband is on SSI. I have requested an audit of how my payments were applied to the account. The collection agency sent me the statements which I already have because I paid the bill on the Internet with GE Capital. The collection agency attorneys have threatened to put a lien on my house, and garnish my paycheck. I would like to know how such a company can get away with misrepresentation of their services. If my paycheck gets garnished, it will cause me to either fall behind on bills, or lose my job.

I purchase a pre-paid Visa card at our local Walmart in the amount of $300.00. I was unable to activate it. The supervisor that I spoke with advised me that my Social Security numbers flags two last names within their system and I would no longer be abe to utilize a pre-paid credit card with their company or any affiliate. Over the course of the last year I have utilized GE's pre-paid service. Yes, the system may flag two names. My married and then recently (after a divorce) my maiden. (My Social Security Card aligns with this information.) I am concerned of the criminal implication and the sactions imposed upon me. I would like to see a remedy within their system to alleviate the criminal connotation.

Letter I wrote to Mark Begor, Head of GE money:

Mr. Begor:

Starting in February of 2011, I have experienced a glitch in your CareCredit website which reverses payments I have made. When I call customer service, the claim is that my bank account / routing information was not entered correctly. By this time (usually 5-7 days later) I have accumulated a late fee on my account which is now an accumulated balance of around $140.00. Also, due to this problem, I have made payments over the phone with my debit card and been charged $15.00 per transaction, which is half of my total minimum payment amount.

I called my bank to verify that all of the numbers I had were correct and I checked all of my bank statements. I have also verified, taken screen shots from my computer, and sat down with my Attorney to show him the payment process. During this time, the confirmation page (which has written verification of the account numbers entered) shows that the numbers are exactly the same as the ones on my personal bank account statement.

This error has occurred every time I have made a payment this year. I have also done some research to find out that I am not the only person experiencing this problem. After several calls I have made to your company to have this resolved I have only been redirected and then hung up on.

Another problem I have noticed the last few times I have logged in to your website, the forum for my bank account information was already populated with incorrect numbers. Even though I reversed the numbers and entered my correct information, the payment was yet again reversed.

I would also like to know why every other company I submit a payment to sends me a Receipt of Payment Confirmation notice right away and your company sends me a "Request for Payment Sent" notice which requires me to check my back account to verify that it has gone through. Then, I have to check it every day and wonder at what point it will be late, usually 3 days in my experience. By this time, I have another late fee and I am being harassed by incessant phone calls at all hours of the day and night and from different phone numbers telling me my "account needs attention".

This is extreme business malpractice and an attempt to extort your customers. I will not stand for the stress and frustration which this scam has brought upon me and my family. I am unemployed and you have been fraudulently stealing from me when all I have tried to do is make my payments. This is your last chance to refund my late fees and allow me to pay off the correct amount that I owe before I join several hundred people in a class-action lawsuit against your company.

GE Money Bank calls me daily with a recorded message. They tell me I owe $100.00, including an overdue amount. Each time I received the call, I am asked to enter my account number and bank account number. I am never told what charge card they are calling about. To my knowledge, I am not late with any of my payments. Is this a scam or is GE? Money lacking in customer communications? Is there a number where I can reach a real person at GE Money?

This card is useless. Because one of my cards is being used out of state, GE Mastercard turns off all of the cards - no fraud and in fact a bill at the same out of state grocery one week earlier went through. Then they lie when you call them and tell you it was turned off because numbers didn't match but the card was swiped and no numbers entered. In addition, bill is due on Saturday, but that is not a bank day so if you do not pay by Friday they charge a late fee even though their website is set to pay on the due date. You have to manually change it to a day before the due date. And it being automated is their excuse for all of their poor customer service.

I purchased a promotional 6 months, no interest GE Money Bank credit card. After one month, I started receiving statements with minimum balance due, which is fine. I made payment online via my checking account. I would make payments previous or the due date of payment. It would take 1-2 days for the money to transfer from one bank to the other. GE Money charged late fees for this, when the automated system and my bank statements clearly state when the payment was due. When I phoned customer service, the first representative could not speak English and was very rude. I asked for a ,manager and they transferred me.

The manager claimed we had a bad connection and next thing I heard was a dial tone. I called back and got someone who was equally rude and would not let me complete a sentence. I started to ask her for late fee explanation when the automated system and my bank had a different date than what statements read. I also explained that I was told that this is a 6 month no interest card and the business I opened credit with said I did not have to make a payment for six months as long as I paid total by promotional offer deadline. Customer service representative continued to argue with me and told me all credit cards are the same, which is false. I recently had a one year no interest with Macy's and their company did not operate like that. I could make a payment, or not, as long as I paid my balance within the 12 months.

At this time, I was very disappointed at the poor customer service and voiced my disappointment. She hung up on me too. So, I called a third time and the customer service representative was very hard to understand and I asked for him to spell the majority of what he was saying. He continued with sarcasm and started spelling everything. At the end of the conversation all I wanted was to know my balance (whether right or not) and the date the promotion was over so this nightmare can be over! I will never again do business with GE Money Bank or consider ever getting credit with them. I have outstanding credit score and do not need rude businesses trying to ruin that.

GE Money Bank has horrible customer service and will not learn to speak nicely or even try and meet you halfway. Neither representative nor anager pulled up any statements or willing to hear out when my bank statements cleared or why the statement and my records were not matching up. I will end up paying over $100 more than the actual purchase price! It makes no sense when this was a promotion of 6 months, no interest. GE Money Bank is getting their interest plus more. Never again!

My parents are elderly. These people call at least 5 to 6 times a day. They never leave a message and when you do answer, no one is there. I held for a while for a representative and in the meantime told to go to gemonlineservic.com. Well, the site is just for you to get a loan. These people are calling about a debt! My biggest problem is how early they call, which is 7:30am! It's ridiculous!

My parents are trying to get this resolved. I have no idea why they are calling and cannot speak to anyone because there is no one on the phone. I want to purchase a call blocker for them but it's around $100.

In 2006, I went to the dentist and had a bill for $1,500.00. They requested that I talk with these people. I had nothing but trouble. They charged me late charges every month. They took it out of my checking account, sometimes twice a month, yet no matter what the date is, they charged me late charges. I tried to talk with these people and they couldn't speak English.

I was contacted by a company trying to collect the debt. I sent a copy of my checking account statement with what I had paid. Also, I sent out to the Governor, State Attorney General, and to Federal Reserve Consumer. Help! This was on June 2009. I heard from the Attorney General about this company being in trouble for fraud. Now, the amount of the bill at that time was $3,383.19. Now, after all this time, I get another bill from law office of Michael **, telling me I now owe $4,223.40. I do have copies of letters. I assumed that this was taken care of since I did not hear from anyone all of this time.

I am now a widow, living on a fixed income and I have another bill from these people. I paid, at that time, $1,215.00. The total loan was $1,500.00 at the start. I am willing to pay the $285.00 that I have left on the loan. I did stop paying because each month, I owed more money.

I applied for an amazon.com store card, which is distributed by GE Money, and received a credit limit of $600 about five or six years ago. I have paid my monthly bill on time, have never been delinquent with them and at times, have even paid quadruple what my monthly bill was.

Recently, I sent them over $234 in about one months time, planning forward for some purchases I wanted to make including wedding bands. Last week, I checked my balance to ensure a return I made had been credited, and my available balance was $234. I purchased one ring for 92$, which cleared, as well as a few other things. At the time the purchases went through and the ring even shipped.

On Saturday, May 7th, I started receiving emails saying that my payment method had to be revised on these purchases. I went back to GEMoney.com/Amazon to see what could be going on. To my surprise, my credit limit had suddenly been decreased to $330 and my available balance/payments had been absorbed by them. I had not received any communication from GE Money bank explaining why my credit limit had been decreased.

Because of this decrease, my account now shows as me being $117 over the limit, which will affect my credit and show up as delinquent behavior. I am also unable to pay for the purchases I had intended to make which were a special release of a video game, for a birthday, as well as a ring sizer, so my fiance can determine his ring size and purchase a ring that matches the one just sent to me. I believe I will also be charged over the limit fees, even though I did not put my card over the limit. This does not seem within the law to me.

I signed for this promotional service for my laser eye vision credit. Upon signing for this credit, the application does not state that I will be held responsible for paying the full amount plus the interest charge once the promotion has ended after 24 months. The interest charge is over $1500, so now since paying my monthly payments, I'm starting all over again.

This is very frustrating and disheartening to know that this credit company is not willing to work with me at all. I have called and spoke to numerous representatives/managers regarding this issue with no help. I have been paying on time every month, and after 24 months, to have an interest charge of more than $1,500 applied to my current balance. My credit balance is now $2,800. How is anyone supposed to pay off their balance with an interest charge like this? I cannot grasp how awful this company has treated me. This is a perfect example of how consumers are being affected by credit companies like GE.

GE Money Bank is an agency that I have made previous payment arrangements with during October, 2010. One of the representatives had phoned my home requesting payments. I had advised the representative that I was dealing a financial situation and I was requesting a hardship arrangement because I did want to comply with this unexpected debt. I explained two things to the representative: that I receive my income once a month at the beginning of the month and that I would be able to make my payments at the sum of twenty dollars. She then advised me that it was acceptable.

Recently, I received a phone call from a representative stating that my account was delinquent and my balance was $585.00. First of all, my original balance was $500.00. So, I asked her how was my account more than what I started with when I have consistently been making monthly payments of $20.00 since November, 2010. She then stated to me that I have been charged late fees monthly. She also stated that although I have been making payments, they have been credited to my account after the due date. I was very upset to see the very situation I desired to avoid was still occurring.

I immediately wrote a letter to GE requesting them to please remove the late fees and bring my account to a current status. I also asked them to do what I thought had already been doneand that was to make my payment due date reflect when my funds would be received. I have online banking with Chase that GE Money Bank has in automatic payment to avoid delinquency. Financial times are a little difficult for some of us. However, my effort to keep this account current has been great.

This situation is a financial strain and is causing a hardship to my family if I have to restart my payments with GE Money Bank. I would appreciate if GE would remove these fees and change my payment date and bring my account current and in good standing so I may complete this bill amount due in full. Thanking you well in advance.

I have a Gap Visa account with GE Money bank that I have been making consistent payments to since I opened this account. I made a payment on the account in March for $1000.00, in an effort to lower the balance to below half of what I owe. Also to clear up my credit to improve my credit score. This is because I am in the market to buy a house. After I made this payment in good standing, I owed $672. I don't use the card often because I wanted to keep it manageable. GE Money lowered my available credit to $700 for no good reason. Now on my credit report, it appears as if my available credit is maxed out which affects my credit score. This is an unfair tactic that this creditor performed. I'm being treated as if I don't pay my bills on time and have a poor credit history.

On my statement dated 05/02/2011, it stated: new balance of $2,198.43, total minimum payment due $107.00, and payment due date 05/02/2011. This kept going up and up, because she said I was late on my payments. I was not late! I am retired and get paid on the first of each month, at which time I write my bills out then and send them in the mail. She said they did not receive the payment until the 3rd, so therefore it was late and charged me a $35.00 late fee. It is an outrage to do this. And I was told that the bill was due on the 2nd and therefore it was late. The $35.00 was taken off this time, and I asked for a different due date. The 10th of the month was decided upon, and I hope they keep their word.

This place should not be allowed to do business, as they are not allowing for time for the payment to reach them. This place is a scam. I have had a Chevron credit card since in the '60s and never had any trouble until this GE Money Bank took over. The girl I spoke with told me to mail in the payment 7 days before the due date. I told her I couldn't, because I don't get paid with my retirement until the first.

What can we do to make them stop this rip off? Who can we contact to make a formal complaint and possible charges against this business? Is this an American-run business? Please inform people and my self with what we can do to make this place go out of business and stop ripping off people. The bill keeps going up and up, and I never examined it before until this time. It will take forever to pay this off, and I don't have that kind of money to pay in full..

Unwarranted Late Fees and/or Interested Charges. I suspect GE Money is up to scamming it's customers who currently have no interest loan accounts that were purchased by GE Money from Citi. Minimal losses. Not seeking recovery. Just making a formal complaint if there are others out there who are dealing with the same complaint.

I have an account with a debt management company. I received a letter from GE Money Bank (Sam's Club) on January 20, 2011 accepting the proposal and agreed to $68 a month payments. My debt management company paid the payments that were agreed upon. On February 4, 2011 I received a letter from GE Money Bank (Sams Club) saying that they received a termination letter from my debt management company. I called them and told them it was not terminated and asked who told them that.

They were rude and said they didn't know who cancelled it and to call my debt management company. I did and they were as perplexed as me as to why GE Money Bank (Sam's club) thought it was terminated. They sent another proposal to GE Money Bank (Sam's club) immediately and we have still not received acceptance from them. In the meantime, they are still charging me interest every month along with late charges. I am beginning to think they are ignoring me on purpose so they can make more money each month but I will never get caught up at this rate.

I have a credit card account with WalMart (which was automatically transferred over from a Montgomery Ward account when Wards closed in the 1990's). In April of 2009, I moved and changed all of my credit and billing accounts to my new address (including WalMart). I had (up until then) been receiving billing statements electronically from WalMart.

After I moved, the statements stopped (even though I made several attempts to get WalMart to change my address). Imagine my surprise when in September of 2010, I received a letter from GEMoneyBank informing me that they had an invalid E-Mail address and that they were now going to start sending me WalMart statements through the mail unless I informed them otherwise.

This (by the way) was the first time I became aware that my WalMart account was actually a GEMoneyBank account. I was also amazed to find that GEMoneyBank had increased my interest rate from 16.90% to 29.90% during the period when I was not receiving any statements (even though the new credit card laws specifically forbid that practice). I made several phone calls to WalMart, GEMoneyBank, a company called MYCHECKFREE.com and the OTS (Office of Thrift Supervision) trying to get this matter resolved. All to no avail.

It appears that GEMoneyBank can circumvent Federal Credit Card Laws and the OTS (Department of the Treasury) allows them (because they are a multi-billion business) to get away with it. My question is, why did our Federal Government change the credit card laws, but are continually allowing these major corporations to flaunt it? Could it be campaign contributions?

They have destructive credit practice designed to destroy your credit. Send your complaints to the Better Business Bureau **.

I purchased a mattress at Sleepy's--no interest with a specified number of months to pay--financed through GE where I send my monthly payments. Suddenly, I realized that for several months, I have been paying an unexplained mysterious charge of $2.00 for minimum interest charge. I called their number and after waiting for almost 20 minutes, I got to speak to someone in the Phillipines who could not explain the charge and suggested that I wrote to the address above, which I did on Feb 15th. Today, I received a form stating that "we need additional information and/or are unable to determine the exact nature of your request," which is quite clear. I want an explanation of the charge. They suggest that I call the toll free number and they will be more than happy to help! How can this be resolved? American business is a scam!

I used this Care Credit account for a couple of years. They were always happy to increase my limit when I needed it. I hit hard times and had to relocate. I missed three months of payments getting back on my feet and they increased my interest to 29.99%. I was told that if I made six months of payments on time, they would lower my payment. They never did. And after speaking to them, they were not interested in lowering my account interest. They canceled my account and said basically you're screwed by us. This place is out to jack people around to rape them of their money once in the door. Do not use this bank nor would I use Care Credit who finances through GE Money Bank!

Avoid any credit offers from GE money bank, no matter how desperate you think you are! I am totally flabbergasted at the situation I currently find myself in with GE money bank. I should have suspected something when, back in November 2008, I was offered 0% financing at America's tire company with no credit report being run. My credit is impeccable, but it did strike me funny that they'd just "give away" $1,000.55 for 12 months - sounds good. I'm always sure to pay these kinds of deals off in plenty of time to avoid any finance charges. Silly me. There is just something about paperless billing.

Well, somehow I missed my full "payoff" payment by a couple of weeks (** number 1), but it was my fault, so I didn't fight it. I figured, what the heck; it's just two-hundred and something bucks. I just need to suck it up.

I plugged along with having the auto-payment deducted from my bank account. In my mind, I calculated, based upon the $30 average/month, that the account would be paid off in just a few months (** number 2). Here I am, 26 months after I financed $1,000.55, and I now owe $494.63! My payments have never been late, and the monthly payment does cover some of the principal balance (at least from what I can tell from viewing online, but one can only access three months' history). I just realized that of the $26 payment, $11.63 is for finance charges, but why does it appear that there is negative amortization?

All of my other credit accounts and mortgage payments are handled online. I am not inexperienced in handling our family's money matters, but I feel like a complete idiot. How could this happen to me, and why can't I go online to view a complete history of my account? Only 3 months are available for viewing. The automated system over the phone offers to snail mail a single statement up to six months old, but I swear, I am afraid of some hidden charges. After reading some of the horror stories on consumeraffairs.com, I am sure I am stuck between a rock and a hard place. This really sucks!

In summary, I borrowed $1,000.55 on 1/13/2008. I made all monthly payments on time (automatic withdrawal from checking); never charged another cent to "the card". Today, January 29, 2011 (that's 26 months later), I owe $494.63 (that's $505.92 less than what I financed). Gulp. I cannot access a human being at GE money bank during the weekend (what?). Going online, I can only view transactions for the last 3 months - a convenient way to keep a consumer from discovering anything suspicious or becoming aware of any details of a trap.

At this point, I find myself waiting until Monday morning so I can make contact, although on one of the statements I viewed, it suggests calling between Wednesday and Friday. This is ludicrous. The moral of the story is pay cash for your products before financing anything with GE money. They find any loophole to scam you out of your money.

In October, I was forced to take out a $1000 loan for a root canal. It took awhile to get the info from the company on what/when to start repayment. My first payment was $250 (8+ payments). In December, they started calling me 6+ times a day. Today (1/26/11), I got a letter from the credit department. I called and was told that a payment is due every month, no matter how much I've already paid. The off-shore rep was very rude when I asked to be transferred to a supervisor. He told me that the supervisor would tell me the same thing. I hung up on him. Are they kidding? I have always tried to pay my bills off faster than required to improve my credit score. I would rather have waited for the root canal than have to endure this abuse.

In September of 2009, I purchased a bed from Select Comfort in Southern California. I purchased the bed via their 2 years same as cash promotion. The bed was financed through GE Money. My minimum payment is $177.50 a month. I set up an auto payment plan through my bank's online banking center of $100.00 every other week (or $200.00 a month). The problem with that is GE Money only has a 22-day window you can make your payment each month. If you make a partial payment after the due date and prior to the statement date, your payment is applied to the previous month.

In my case, my due date is the 8th of every month. My statement date is the 16th of every month. If one of my two payments fall between the 9th and the 16th of the month, that payment is applied to previous month and only $100.00 dollars is applied to the current month. That gets me a $35.00 late fee + a $2.00 ** fee. This is part my fault because I set the payment and failed to regularly review my statements. So if you do the math, this would get you a fee about 4 times (or 4 months ) a year. Anything to screw over the consumer. Thanks GE Money.

I applied for a credit card in December 2010 to cover some unexpected veterinary bills. In order to apply for this credit card, I of course had to provide my address. A month goes by and I never receive my card or any statements, (but they did give me a number I could use to pay for our vet bills), and then I started getting phone calls and e-mails telling me my account is delinquent. Every time they call, I cannot understand the person calling me and it's obvious they can't understand me either. I have called several times because I keep receiving e-mails and phone calls, but they can't seem to send me a bill or my credit card. I finally found out that they didn't have my address. How is it that they approved me for a card without having my address? And why, all the times they called, didn't they tell me that they didn't have my address? I gave it to them and still did not receive a statement. I was able to get a card after I called and reported my card lost, but I still have not received a statement. They have charged me late fees and keep insisting that I need to pay the bill over the phone without seeing a statement "or your account will become further delinquent".

Now they have started calling my home several times a day, asking for me, and then hanging up. It is like I am being prank called by my credit card company as punishment for not forking over my money without seeing the bill. I was finally told by an obviously annoyed customer service representative that they would send me a statement. He acted like I had just asked him to do some huge favor for me. Isn't it their job to send me statements on time?

I submitted a billing dispute for a charge that was over $1,000 on my credit card. GE Money Bank refused to investigate the charge. I complained to the BBB. Jamie ** of GE Money Bank told BBB that they would credit my account, which it did, closing the BBB complaint. Then two weeks later, GE Money Bank put the charge back on my account and refuses to remove it.

I am in active military duty and is home on leave from Iraq so have very little time (until January 12) to try to resolve this. We purchased a couch from Lane Gallery in Copperas Cove, TX and they financed us with GE Money for 12 months, no interest. Payments began in September 2010. We made $798 in payments since September 10 and should owe $581.38, as the original amount was $1,380.

Yet, GE Money reflects our balance as of December 10 as $1,317. My wife has made several calls about this and GE Money has not been any help. GE Money said there were late charges and the money did not go through. Yet the money for each payment cleared our bank and was not returned or refunded. Each time there was a payment, 5 to 6 days would go by and they would do a "Payment Reversal", which did not return any money to our bank and apparently prevents it from crediting our loan. Calling this company has so far, not been any help.

Please help us to resolve this.

We wish to have our $798.62 paid so far to be reflected and any and all late fees removed. We are prepared to show bank statements from Bank of America that reflects these payments as cleared.

Lastly, I want to have a method to pay the remaining $581.38 and close this account. I do not care that it is early. I just want nothing further to do with this company. We need a method of payment that we trust and this company cannot continue their games and reflect a payment reversal or something else.

Main complain is that company does not offer payment options. They want to force customer to give their checking account information. They do not accept credit/debit card payments. Even if you are willing to make a payment, I was not going to release my bank information and as a result I might be charge late fees.

In addition, if you want to make a payment over the phone, they charge you $15.00 to make a payment! Seriously, is this a blatant rip off or what. On top of that, when I talked to customer service they never mentioned that I could make a payment via my bank. I think they treat their customer like dirt and instead of being friendly and customer service oriented, they choose to rip people off in as many ways they can.

$36 due as per statement; received a check from my comp case paid two payments totaling over $220; was charged a late fee and increased my payment amount for the next statement to $59 for paying too early as per Phalla and David. Customer can't make payments before the 7th of the next month or payment is added to the previous month's payment even if a larger payment than due was made to that payment.

In summary, $36 was due and since I paid November's payment on the 22nd, it was added to October's payment. It should have been paid on the 28th when the statement is generated. Confusing, I was penalized for paying two payments as if I hadn't paid anything. Even though I explained that the statement doesn't inform you about paying early penalties, I was informed that my next payment would be higher due to this action and that I would be waived the $25 fee that is showing on my account for not paying on the 28th. I have a major headache. Ridiculous!

Do not do business with GE Money Bank! We received a $ 9000 loan for dental work from their Care Credit division, before the first payment was due they tacked on interest then reported us over our limit to the credit reporting agencies. We had not even received our first bill and our credit was damaged.

We made the first payment 10 days before the due date and were told by Matt #7571 in their "customer service" department, tough luck there is nothing they can do. GE Money bank is a dishonest and unethical lender. If you value your credit score, do not do business with GE Money Bank.

We made the first payment 10 days before the due date and were told by Matt 37571 in their "customer service" department, tough luck there is nothing they can do. If you value your credit score, do not do business with GE Money Bank. Credit score damaged before the first payment was due.

Do not do business with GE Money bank! We received a $9000 loan from their Care Credit. Before the first payment was due, they tacked on interest then reported us over our limit to the credit reporting agencies. We had not even received our first bill and our credit was damaged. We made the first payment 10 days before the due date and were told by Matt **** in their customer service department that there is nothing they can do. If you value your credit score, do not do business with GE Money Bank.

Do not do business with GE Money Bank! We received a $9000 loan from their Care Credit. Before the first payment was due, they tacked on interest then reported us over our limit to the credit reporting agencies. We had not even received our first bill and our credit was damaged. We made the first payment 10 days before the due date. We were told by their customer service department tough luck there is nothing they could do. If you value your credit score, do not do business with GE Money Bank.

This was credit for an air conditioning unit in my daughter's home. I had signed for it. She sat up an online payment plan. She was making the minimum payment. What she did not realize was the interest was so high the minimum just put her further and further behind. The company started calling her and me all times of the day and night, but did not have a number that stated who they were from because she and I both have caller ID. Therefore, neither one were answering their "unknown caller, unknown number" call. Then I got a letter saying they were trying to contact us and we were to call them, which my daughter did. They set up a new payment plan with her and she asked if it was okay to pay online.

They told her it was. All was well for a few months then the calls started again. I attempted to talk with a person on the phone that I could not understand half of what he was saying and soon he got very angry and told me that if I would just listen I could understand. I work with the public so knew that was not the case. I told him that he needed to put in writing to me what he wanted done. No letter came but the phone calls continued to come from unknown name, unknown number. I refused to answer them.

All the time my daughter continued to pay payments. Finally, I got a letter in January of 2010 that stated they were going to enter the account into a Hardship Plan. I contacted the company by phone and offered to pay the full amount with my credit card and was told they couldn't take a payment by credit card, but could debit my account. I asked debit what account and was told my checking account. I told that was not possible for I did not have that much money in my bank account, and if I did, I would have written the check in the first place instead of suggesting using the credit card. He then asked me if I would be getting money back from income tax.

I told him yes, but would not get the full amount back. He then asked if I thought I would at least get $2000.00 back. I told I did think I would. I then was told that if I let him take $145.00 from my checking account that night and $75.00 a month till I got the money from income tax, they would take a pay off amount of $2423.00. I asked how was that to happen because there was more owed than that. He said, "Yes, but we are willing to settle with the payments and the $2423.00." I told him he could take the $145.00, but not the $75.00 a month and that I would write checks for that. He told me that if I missed or was late with one check, the deal was off. I explained I would make all payments on time.

I made one $75.00 payment and then went to a family member and got the $2423.00 so I did not have to worry about the payments being on time. In a letter dated February 1, 2010, the $145.00 was confirmed and in the letter it said to keep it for my records as I did. I then sent the $2423.00 with a letter stating this was to confirm the bill was being pain in full and I also wrote on my check paid in full. The check was cashed and I did not hear from them till a bill in March. I then wrote a letter concerning all of the above stated. All I got back was a letter saying, "Thank you for your recent payment of your account. We did receive the $2423 and now you owe $4371.13." I asked for an explanation for the change.

The only thing I got was a call from 800-679-6300 and, "We will be glad to discuss this." I sent back a letter and told them everything had to be in writing from this time forward because I had entered into an agreement over the phone that obviously they were not standing by. I continued to get the same letter over and over again till I finally got a letter from a lawyer stating it had been turned over to him. His name is Stephen **, PO Box 1027 Beebe AR 72012. In his letter to me, he stated if I disagreed with this to put it in writing, then all I ever got from him was they said they didn't say it and if you don't pay, we will take you to court. I asked for an explanation why they took my $2423.00 and he never had an explanation for that.

Well, after many months, rather than let it go to court, I did send him $100.00 and asked for a receipt and he sent one but told me that from now on that if I want a receipt that I will have to send a self addressed and stamped envelope because he doesn't usually give receipts. How would I know he received my money if he never acknowledged it? I was never trying to not pay my bills as I told Mr. **, I have never not paid a bill. This all has me very upset and feel I have been lied to and taken advantage of.

Canada is also getting the brunt of financial "modifications". GE Money is the finance company behind credit cards for The Bay, Zellers and family. I recently received a notice regarding my HBC credit card effective April 2011 as follows (lucky I don't keep a balance on it): over limit fee goes from $20 to $29; interest rate goes from 18.8% to 29.9%; purchase interest is calculated from the date of purchase rather than the first day of the next billing cycle; due date goes from 25 days from billing date to "at least" 21 days. The agreement has been amended (without my consent) to allow HBC or GE Money to contact me "by way of telemarketing communications". So it seems that Canada is just as much a victim to these exorbitant modifications.

I bought a couch and a few other items from Rooms to Go in Greensboro, NC for approximately $3,000. I paid the bill in its entirety early. And for five years, I never hear a word. And tonight, I get a phone call from some collection agency that GE Money Bank sold my overdue account. They never applied any of my payments and they never sent a bill to indicate that the account was considered late. This was for five years! Now I have to pay money to my bank to go back and search for these records back that far, not to mention the time. Plus they have wrecked my credit when I haven't been late on a payment in over five years on anything.

I have had this account since 2007 with a credit limit of $1000. With all the payments made (a total of $981.00) there has not been one red cent paid toward my balance. Annual percentage rate is 24.75%. They have tacked on "late fees" (there should have been none) and "over the limit fees" (because claiming late payment). I am on a $718 SS monthly income (no COLA this year or next) and since April have additional health issues and simply could not see my way clear to continue to send in payments for the bank to swallow up in exorbitant fees.

Since then, I have received endless day and night calls but the last straw is when they started calling a fellow tenant in here (has last name as mine, no relation) with these harassing calls. My high blood pressure, sleep issues (use CPAP) and now having to see a heart specialist is enough stress without these calls. I have no extra money to give them. The last week of the month I barely have anything to eat.

The computer crashed in Sept; vehicle is barely running (needs mechanic I cannot afford) but I still have to pay insurance and tabs so I can drive to the store a few times a month. The computer I use is in the building library where I reside. I am almost 80 yrs old and the end of my life should not be so stressed out by senseless individuals that feel they have the right to keep godging every last dime a person has. I have no savings; no stocks/bonds, etc - just the $781 SS benefits. With the increased costs of everything it just is nowhere enough. I cannot ask grown children for help as two have been laid off from positions they held for 17 plus years.

I bought some furniture from Rooms To Go during a promotion of no interest if paid by 1/1/2013 and 1/1/2014 (2 purchases). However, GE Money Bank bills me for interest (fees). GE Money Bank automated system puts me on hold for a long time and when a person does answer, they hang up. They want to charge interest (fees)when the promotion was no interest if paid by a certain date.

On Oct., the bill was $73.00. Nov. bill was $91.00. I called GE and asked why? I was told I signed a rate reduction letter and it expired so my interest rate went up! I asked for information about the letter and was told to write a letter to GE. I cancelled the card on the spot and was asked why I wanted to cancel the card. Funny huh? No wonder they get million dollar bonuses rot in ****.

In 2005, instead of just taking me off my sister's credit card, they marked me as deceased on my credit report. Now, they cannot fix the issue because they have no record of me. I spent 50 minutes on the phone being told by each representative it was not in their ability to fix the problem and that I had the wrong phone number

- each number was give by a GAP financial employee. The letter sent to me from GE Money Bank gave me the Wal-Mart number, and once I finally talked to Sean at GE Money, he told me I needed to call the GAP. When I called the GAP, they said I needed to call GE Money. I just ask them to take the deceased from my credit report. I wish corporate America worked.

Someone used my social security number and license to purchase items at Brandsmart USA in Buford, Ga. I do not live and have never been to Buford, GA. I filed a police report and claims to GE Money Bank and Macy's that I did not purchase items.

Recently, GE Money Bank responded to my inquiry. They basically state that I am held responsible for the $2,500 which I never purchased. Brandsmart has video tape of the perpetrator. I spoke with Bruce ***** (Asset Protection) at Brandsmart USA (Cell # *** *** ****). Initially, he told me that there is video and I required a subpoena to access it. I told the detective in Palm Beach Gardens. Anyway, I called him recently and he pretends that he can't hear on the phone.

My question is: What do I do now? I did not purchase $2,400 worth of video cameras. I was never in Buford, Ga. It's not even my signature on the receipt. This GE Money and Brandsmart USA company are still holding me responsible for the money.

I reluctantly opened a Care Credit account, recommended by my dentist, when faced with an $8,000 bill. I had never used their card before. After a series of promotional periods passed during which I was unable to pay off my balance, an interest rate of 23.99% was applied to my account.

I can't recall whether there was an interest rate or not during the promotional period, but I feel that 23.99% is an exorbitant rate to charge for a health-related billing, especially during this difficult economy. While my place of work was experiencing lay-offs several months ago, I asked for and received a "hardship" reduction in minimum payments which expired after a year, I believe, and was not renewable.

I called customer service and asked for a reduction in my interest rate so that I could pay off the balance quicker. I have not used the card for any other charges and will not. They claimed that it was impossible to do. I've always made more than the minimum payment (much more) and all my payments have been made on time. Another credit card that I have recently lowered my interest for the very same reason.

I was amazed to find out that so many other Care Credit customers have such horror stories to relate and I empathize with them. I believe that this "bank" should be brought to its knees for its ruthless treatment of its customers. A class action suit sounds like an excellent wake-up call to me. I believe that it will take me twice as long as it should to pay off this bill because of the interest rate. For someone who would like to retire at some point in the next few years, this is not a good thing.

This credit card is a Wal-Mart/Discover Card. We were told by a check out clerk that we could get cash from the card and it would not count as a cash advance. When the statement arrived in the mail, the cash is listed as a cash advance. They are charging usury rates thanks to our president! They let us charge over my available credit just so they can charge you more fees. I sent them in a payment, which should have paid off the account and they sent the check back to US Bank.

Wal-Mart-Discover or US Bank can't explain to me what happened to the check. This was a "Pay off your balance check at 0% interest for 12 months. Make your life easier, get out of debt". Instead, it made my life a living hell. When did our banks become the mafia?

GE money bank no matter what payments I make my balance does not go down. If I sent a payment of $300.00 and the bill was $100.00 out of that $300.00 maybe $20.00 would go to the actual bill. At this point I had to take money out of my $401k just to get rid of the debt that never went down. It was apparent that no matter how much money I sent to this company the bill was never going to go away unless I paid in full. So now I feel that I have been taken for a ride and talking to reps did not help either. So what should have been easy to pay has been a nightmare.

GE Money Bank, led by Margaret Keane in the USA, has to be the worst case of bigger is not better. They handle revolving credit for several retail shops (Lowe's, Walmart, Sam's, etc) as well as their own branded credit. This company outsources their collection operations to India and to a company called Allied Interstate. There are certain things that can be outsourced, but customer service is not one of them. Apparently, this company is so large that there are no clear lines of communication and no one takes responsibility for their actions or cares. I have spoken to over 15 people at this organization and its affiliates and each time, I either get transferred, disconnected, told to call another number, or told that the issues have been resolved.

Over the past 9 months, I have been harassed by this company and it affiliates for an issue they caused internally. I made my payment in full on a Lowe's credit card. However, I inadvertently made it to an old account number. Once I discovered this, after several messages from their India operations, I called and explained what happened, the representative transferred the payment to my active account and it was resolved, or so I thought. Fifteen days later, I get a call from the US customer service asking about the balance. I rehash the whole thing and they tell me it has been resolved. Thirty days later, I receive a check in the mail for the amount I had paid! Ten or so days later, I receive another check for the interest that had accrued on my account! I could not understand what was going on.

In May, I called the US operations again, rehashed the whole thing and was assured this time it was resolved. Today, October 20, 2010 began the 3rd round of calls from collections in India (called incessantly until I finally gave up and answered. This should be illegal!) After demanding to speak to someone who spoke English, they concluded they could not help me (as has happened 3 times before) and gave me another number to call. When I called that number, I went to customer service in the USA. After looking at my account they told me they could not help me and gave me yet another number to call. The third number is for Allied Interstate, quite possible the worst customer service group around.

They would not tell me where they were so I could file a Better Business complaint. When I gave the representative my info, he said, sorry we called, we have it documented to not call you. Please give us 24 hours to get it out of your system. Never did he try to resolve the issue! I called back to customer service in the US (Atlanta, GA) and spent 45 minutes as the supervisor reviewed my account. He was dumbfounded by what was going on but kept saying, "We did this and we did that," and my response was, "Exactly, you did it, now you fix it." This was the 3rd time I have been through it. I did not choose to do business with this company.

Lowe's sold their credit card portfolio to GE Money Bank, a company I will never do business with. GE Money Bank, obviously, put profits before customer satisfaction. They outsource many critical aspects of their business in order to cut costs, however the result is incompetent, unreliable results that in the end cause them more money to resolve! This is an example of a USA company that should be employing US citizens to do this work.

My situation started in August 2010 when I realized while paying my husbands GE money bill that I hadn't paid my own. I looked back in my records to see when the last payment I made was and saw that it was in June. I immediately went to their website to make a payment and in big bold red letters it said "Your statement was returned to GE money bank. Please call immediately."

I called and spoke to some rude gentleman and explained to him the message I had on their website and he stated that he didn't see anything like that. He verified my address which was correct. He told me that he would remove the late fees as an exception. I went online and paid $142 (my monthly payments have been $71 since the day I purchased it in March 2008). In September, I received a statement stating I owed $137.14. Thinking that they just hadn't removed the last fees, I paid $71 by the due date. I had tried to call them several times but was placed on hold for 15 minutes or more and I never had enough time to hold any longer.

Today, I called on my way to work and was able to reach a very helpful gentleman who said that he apologized for everything that had happened and that he would remove my late fees. He said my current balance was $194 and asked that I pay that over the phone. There is a $15 processing fee to pay online or by phone but he said he would waive that fee if I would make the payment which I did.

When I got home this evening, I looked at the invoice that I just received for October and it said that I owed $194.20. I was a little upset that I thought he had tricked me into paying late fees since I paid the total amount due on my account. I called and spoke to a supervisor (after hanging up on one gentleman because he refused to transfer me to one) and she was just as rude as he was.

In the end, she said that my total balance would be reduced the amount of the late fee but my monthly payments went from $71 a month to $128 because they did not receive my payment in July! So because of their error or the postal service (not sure who's fault but it wasn't mine), my interest rate has gone to the delinquent rate of 29.99% for the remaining balance due!

My wife and I bought windows from renewal windows, which I have not been disappointed with to this point. However, the finance company "GE Bank" Project Line is the problem. The cost of my windows were $13,143.11, which I was approved for up to $13,200.00. GE sends me a bill for $17,000, saying it was an over limit charge.

I called them immediately to inquire about it and received nothing but the runaround. I had a new business to run and two small babies in the house and not much time to deal with customer service people in India who could not speak English very well. I stupidly took them at their word and started paying the required payment amount, but after several payments it wasn't making a dent in the principle. As things financial got worse and couldn't make these outrageous payments, they sent me to collection and then garnished our wages by 1/3 of our income, which compromised everything else.

I have been trying to rectify this problem with GE myself, but again "the run around". I can't even get them to respond. They have now taken me for $20,000.00.There is a special place in hell for crooks like this. They have sent me into an economic downward spiral and caused mental, physical and marriage stress, loss of income, and defamation of character.

I purchased an ATV on 04-05-2008. My total price out the door was to be $6,000. I received my first bill and I got hit with an immediate finance charge for being over limit.The price I had on paper was indeed not what I was billed for. I made my payments until June 2008, I had missed a payment due to the death of my only child. I called them to set up arrangements. I had to make a payment of over a thousand dollars for missing only one month. Also the payments I was told that I would be paying were way more than I was billed. Each time I called, they would not work with me. In 2009, I lost my job due to a lay-off and I called GE Money to make arrangements which were $75 per month. Upon my first payment, they were at my door repossessing my ATV after I had paid well over $2000 within the first year.

I got a new cell phone from AT&T with a new number for me. I have been receiving harassing calls from GE Money for the person that must have had my new number prior. I cannot get through their automated answering service to complain. If I keep getting calls (some times three or four per day), I am going to call the county attorney and see if they can help me. This outfit is using up my cell minutes with these harassing calls. Does anyone know how to get them off my back? Thanks.

My mom needed false teeth and she signed an agreement with the company to pay them $99 a month for her teeth. They were financed through GE Moneybank. They put the due date as the 3rd of the month. Mom does not get her social security check until the 3rd making the payments late. After a few conversations with GE MoneyBank, the rep agreed to take off the late charges, except the late charges were taken off the balance, not the payment. The payment with the late charges on it still had to be paid. I tried to explain to the rep and he would not listen. I told him if late charges were added to the payment, they could be taken off. Rep. said they don't do that.

So for a year we have been paying the regular $99 a month with late charges keep adding up. My mom just passed away last week. She doesn't need her teeth anymore so I'm not going to pay them anymore. It is their fault the late charges were added on and not taken off. Now they adjusted the payment date to the 17th of the month but will not remove the late charges off the payment making the payments higher and higher each month. No more, no more payments will be made. My credit is shot anyway and mom is now gone and it was financed in her name and she was 72.

Wanted to buy sofa at Levin Furniture and wanted to finance the whole cost of $2700. Applied for their financing online and it asked how much I was applying for. I answered $2700. It went through automatically for only $1000 which was useless to me. I then asked to have the application canceled. I called GE Money and they said, "Too bad. We decide what you get and you agreed to the terms of the agreement." If I had known I was not going to be approved for the whole $2700 I would have not tried for the card. Now I am stuck with this card because they will not cancel it and it now goes on my credit report as an open account which I do not want. I should have rights here!

I have been a loyal customer with Lord & Taylor since 2004, I have paid my balance each month in my payment history. There was $29.99 late fee charged on a one-day late and amount $56.80. Contacted one of the supervisor-Debbie ID#X35 and explained the reason for waiving the charges. She ignored the reason and refused to remove.

My payment was due on 08/13/10 which was my husband's birthday, we were out of town that day. At the time of 9pm on 08/13/10, I contacted the Lord & Taylor store located at WillowBrook mall. I was told it would be the same if I went over to the store to pay then or pay over the weekend since it would not be posted until Monday. Therefore I paid the balance $56.80 on Sunday 08/15/10. That was why the $29.99 late fee charged.

Now I requested to close the account with GE Money Bank credit card. There will be $29.99 late fee charge balance remained because it was not my responsibility.

On September 2009, I went to Midas for car services. The bill came to $615. It was a lot so I put $300 on my debit and applied for credit. The lady at Midas said I was approved $500 so I put the $315 on that approved credit. Well, I never received this credit card or any monthly statements, no late fees or any communication at all until June 2010 when I received a letter from asset acceptance LLC collections agency for $654 and that is when I found out that Gemb Car Care One was the bank that approved this credit.

Well, needless to say, I have been harassed to pay by the collections agency but I was suspicious. It seemed like I was scammed and I was. So I reported to the Attorney General's Office of New York State who has done nothing for almost 2 months now. I went to check my credit report and found that these shady people closed my account as Bad Credit Debt' one month after they opened it! I have it read online. I don't know how many horrible experiences people have had with this company and how no one is helping us do anything about it. I was relieved however to see I am not the only victim. Please, please. I hope you can do something to help me. I don't know who else to contact anymore. My credit report which was very good is now ruined. They are the only shady ones on there and now i'm having trouble getting credit.

There have been multiple complaints about GE Money Bank! Horror stories of total fraud, rudeness, deception, lies and complete unwillingness to accommodate the customer. Mine is just one story. Please look into this. This company needs to be stopped. Credit records are being ruined.

My fiancee and I purchased our first home on August 20, 2010. I logged into the Lowe's Credit Center to change my address and to add my fiancee as an authorized user. The change was successful per the message I received on the website. The next day, I tried to use my card at Lowe's and it was declined! I had just checked the balance so I know I had credit available.

I called the 800 number listed on the back and their representative asked a bunch of questions as if I was applying for more credit. I felt uncomfortable with the questions so I hung up. I decided to call back on Monday - Aug 30. I verified all the information required and I was under the impression that I could use the card. I tried today and it was declined again.

I called GEMB again and they told me my card was on a 30-day security hold because of the changes I made to my account. I have never experienced anything like this in my whole adult credit life. GEMB has just lost a customer! I asked them to close that account and I will gladly pay the balance! It might be best to not keep your accounts updated with address changes or add users because they will close your account down.

My wife and I purchased a refrigerator from hhgregg and financed a refrigerator on a 12-month interest-free agreement through GE Money. That's who hhgregg uses for financing. My sister-in-law had warned us that GE Money will cause the customer to default on this interest-free agreement by misplacing payments - but I didn't listen to her - and guess what! Yep, they did it to us.

We have all complained to hhgregg, but they won't help settle this matter. hhgregg has been made aware of this unlawful practice by GE Money. Something needs to be done about GE Money and the way they operate. I was expecting to make monthly payments for at least 11 months, but because of the unlawful practice of GE Money, I have been forced to pay the whole balance off to avoid any further late fees, and interest fees.

I applied for an Amazon.com Store Card account and tried to go paperless with my statements. Now I can't find the paper that they may have sent me in which they give me my account number in order to register for my paperless account. Today, I've got a reminder in the mail (they won't use my e-mail) that I need to register so I can see my statement and make payments, somehow.

I just went to their website (gemoney.com/amazon) today to register, but they won't allow me without my account number that I don't have anywhere! Neither is there a telephone number on the sight or any other way available in order to communicate with them. I want some kind of statement from them so I can have access to paying my bills. It's frustrating. I'm not even allowed to pay my bills. I've been waiting. It seems ages to finally see and pay.

The consequences are twofold, eventually. First, they may be tempted to think that I don't want to buy my stuff that they gave me. And secondly, because of the insecurity that GE and me experience via the "security systems" that are in place, they may think that they have to send my bills to a "get the money back" place in order for me to access my account. In the mean time, since I have their address now, maybe I can just write them back and send some type of payment, which would be probably at least the minimum that I owe them so far. I don't know what else is available until then. Why can't they call me? I have an answering machine but my sister gives me the messages that are for me.

I will try to make this complaint as concise as possible. Please note that General Electric Money Bank is continually perpetrating fraud. I came to a business agreement with these people through a document signed for automobile repair services through the PepBoys automotive stores while residing in **. Paying as per their terms and conditions, I received a statement at my home, ** on 07/30/2010. The statement showed a principal plus interest balance of $317.67. In addition, the statement appeared in bold, red letters, "Promotional Pay-off Amount $193.27". Well, the attraction is a no-brainier. I quickly wrote a check in this amount and posted it.

Shocked again, I apologized and then explained that I will investigate what happened to those funds and now I understand where the $39.99 charge came from.

However, in the mean time, I stated I want to pay this account off and I see that on my latest statement the new balance (principal plus interest is), now get this --$315.84 and bold, red letters the statement noted, "Promotional Payoff Amount $148.27". Again, before I could catch my breath, she stated "yes, but that's not the balance". Well today is the day, 3 shocks in one telephone call. I said what do you mean? She stated that's just a "balance reduction". I stated no, that is consumer fraud. You cannot fake a statement, payoff amount and then continue to charge the account and send billing statements as you see fit. She noted that was the way it is. I stated that "your firm is perpetrating a fraud, and I will report this to the consumer affairs department". She then put the phone in a way where I could only here myself speaking and I then waited a few minutes for her to return, she never did. I hung up and came to write this statement of facts/complaint against these people. There is no further doubt in my mind how these people come to be trillionaires. Just multiply this incident time a couple million.

Plain and simple as she did not want to hear what I was saying. I would have asked the following questions and would have been anxious to hear the answers:

4) Finally, how is it possible they can choose to use the terminology "Promotional Payoff Amount" and not expect someone poor slob such as myself not to make a complaint? Are they sincerely this arrogant and powerful?

Clearly, they have been, continue to and are planning on continuing perpetrating this fraud. Finally, for the record, as I send this complaint, I will investigate what happened to the first "Promotional Payoff Amount" that I sent them and then post a post office money order to them for the second "Promotional Payoff Amount". However, I will not pay the ransom funds that they are requesting as part of their fraudulent claims.

My laptop broke in August of 2009, and since there was a nice model on sale for $550 at Wal-Mart, I decided I would sign up for a Wal-Mart Credit Card and purchase it. I figured I could pay it off by December, and I'd be fine. I read over the pamphlet they had in store very carefully, and I applied. They gave me a $1,200 credit line, as well as a $20 discount off my first purchase. I have made payments at least double my minimum from the first month of my owning this card, and have always paid on time. There was only one instance in which I have not paid before the due date, and the online statement had already posted a late fee because my due date was Saturday, and offices are apparently closed on weekends; by Monday, however, the fee had been waived. (If offices are closed on weekends, then why have due dates on weekends?)

Well, my household has variable income and the main person who pays the bills has been relying on my income to do so since around October '09, and I even had to dip into the extra credit line I had there to buy groceries for my household. My Wal-Mart Card now stays maxed out except for right after having made monthly payments and most attempts I make at paying down my card end up thwarted by grocery purchases. I had finally gotten about $150 headway on paying down my card and I got my statement today. It said I was $60 over my limit and that my finance charges were $180 this month!

When I read over my statement to determine why, it had a special area that had not, to my knowledge, ever been on any previous statements, regarding "purchases with deferred interest." There is no information whatsoever in the application pamphlet in the Wal-Mart stores that defines these "special financing options," nor does it state anywhere in the application pamphlet that these "financing options" are any more than "available"--not automatic. The only information available is in two places. In this most current statement, telling me the "promotional purchase period has ended," and online where it is linked to in a very well-hidden part of the site that I only found because I was looking for it!

The statement for my alleged "promotional purchase" (which it specifically targets the laptop) says that of the $550, only $95 have been paid toward it. This is ludicrous that they would not pay anything toward this deferred interest purchase. I have paid at least $1,000 in the year I've owned this card! I have never been late, and have always paid more than my minimum (usually double). I did not sign up for any deferred interest purchases, and I certainly wouldn't have applied for this card if I had known they would not have put my payments toward the very first purchase I made! From the research I have done regarding GE's lack of customer service. I'm afraid to even try to call their contact line to try to sort all this out. They sound like absolutely shady monsters.

We recently took advantage of a Conn's promotional offer to get 36 months interest free. They used GE Money Bank to do the interest free loan. They set up 36 equal monthly payments of $111.00. We made three payments with no issues then the first week in August my wife had an accident in Florida and we got home on August 4th late in the evening. On August 5th I realized that we needed to schedule the GE Money payment electronically through Bank Of America. I did it on the 5th and it was due to GE on the 8th. Apparently it did not arrive until the 9th and they hit me with a late fee of $39.99 and adjusted my minimum payment upwards to $126.

I called them and got someone in India who could care less about the accident or the fact that we paid $605 instead of the min $111. I suppose that they could have also hit me with an interest rate of 29.99% per their fine print. Bottom line is that fortunately I can pay the loan off and will. It is unfortunate that in today's world after billions of bail outs with our money that no one cares that you pay electronically three days early, that banks still can not transfer money within 24 hrs causing the payment to show up the morning of the 9th instead of before 5pm the 8th and that paying 500 more than they set up as your min payment does not matter. Consumers need to know that they are better off getting a loan for a fixed amount with a bank or credit union than run the risk of financial issues that GE Money will force on the consumer.

I recently bought a restaurant. We use a Sam's Club business credit car to buy food for our restaurant. Due to our low credit limit $5000, we have to make payments weekly. So we are never late. The Sam's Club website says payments will be applied the day the are submitted and will reflect on website in two days. This is false. We are making payments directly from our bank account, online yet they are taking as much as 7 days to update our credit line from the day they withdraw the money.

What a racket. They get 7 days to play with our money free. I am sure we are not the only small business owner being fleeced by this practice. Example. Payment made 8/16 for $1900, withdrawn from our bank account 8/19. When we called today to find out why our CC was declined, the customer service agent said we had a 4-day hold for the payment to reach the bank. Bank to bank transfers are overnight once the funds are withdrawn. I think this is worthy of a class action lawsuit.

I bought "Empire" flooring and they did a great job except that they gave me a loan through GE money! We never received our first bill and then we got a bunch of calls about a late fee. I finally talked to a supervisor about the problem and she was really nice about taking off the late fee and that everything would be fine after she sent another statement to our home. And yet, today (3 days later) I get another phone call from a person who barely speaks English and he informs me that I need to pay over the phone so I don't get a late fee! Ugh... After looking at all the other consumer problems with the company I am so worried that I won't get out of paying this company more than I owe them a lot more! Anyone know how to pay them without being charged for unexplainable reasons?

On August 19, 2010, I received a letter stating that my Lowe's Consumer account was closed. I do not feel that there was a justified reason. My account has been impeccable. This account has nothing to do with the resolution that I am working on with CareCredit through Consumer Credit and yet GEMB has closed the account.

It took me all morning (August 20th, 2010) to finally get to a person that told me where was my decision came from. I spoke with Cassandra, a manager in underwriting. She said that the decision came because of my bankruptcy in 2006. I was not married at the time and under the adviseof my lawyer, if I didn't want all the things, my X was walking away from to become mine, that I should follow suit. I was earning $9.00 an hour/40 hours per week and I knew that I couldn't maintain an $800.00 house note and other things he was going to leave me, so I followed my lawyer's advice.

Since then I have worked hard to get my own credit established. Lowe's being one of the accounts I hold. The only difficulty that I've had has to do with CareCredit. The amount in question was for a much needed surgery for my, then 20 year old son. That was in February of 2009.Payments were doing fine, until March 2009. We rushed my son to Norman Regional Hospital, where he spent the next three weeks fighting for his life.

At that time I made small payment, as best I could and caught up the billing with CareCredit. While on a medical hardship, I was required to pay $165.00 but five months, I was able to pay extra $365. When CareCredit came off of medical hardship, they'd upped the bill to $474.00 per month with a notation on the bill of 28 years, if you just pay minimum.

It was when I saw this, through my tears, I called Consolidated Credit and under advisement I did not pay the June bill and made arrangements for them to pull, from the checking, $362.00 per month. After talking with Consolidated Credit this morning, they have renegotiated for a $6.00 increase going from $265 to $271 to GEMB. The rest is in fees to them. Everything else on the credit report is "on the mark". No other black mark. The bankruptcy was something I never wanted. In working with Consolidated Credit, you can see that I'm not trying to renege and get out of tending to my responsibility, but I am merely trying to live within my means, something that a lot of us are doing with this economy.

Thus, in conclusion, I feel that you have closed my Lowe's account without due process or justification. It is in perfect standing. In fact, it is now paid-in full. You have penalized my account with Lowe's for no reason. I would like you to show me where Lowe's is or ever was at risk and show me what justified this account being closed. If you cannot, I ask that you reinstate it effective immediately.

It is, in my opinion, poor business to penalize the whole for the one, especially when there is no concrete evidence that, because of the one, all others are being neglected. That one account is not being neglected, but merely being reworked so that a livable, within my means, solution can be reached.

I was a Peach Direct customer 2 years ago and I bought from them an LCD TV with a brand name of Haier costing $738.00. From 12/07/2007 through 4/23/2010, I have paid $734 with my receipts and still they are charging me $513.00 with 28% interest. That's the last day I paid because I sent them to investigate Peach Direct, which no longer exists and the bank keeps harassing me to pay. The TV was defective and I wanted them to repair it, but they didn't. Peach Direct and GE Money are associated and they have not resolved my problem and they sent me to collection.

We purchased a Select Comfort bed in 2008, which had a one-year no interest/no minimum payment promotion. Towards the end of that period, I received an unsolicited phone call from GE Money Bank offering me an interest rate of 10% for the life of my loan, which sounded too good to be true, with no strings attached. I didn't receive anything in writing and since I didn't have to give out any info to get this rate, I accepted it. Once the payments were due to start, I made each and every payment on time. In late February of 2010, I received a letter from GE Money Bank thanking me for getting back on track with my credit, advising me that my interest rate was going up to the default rate, without even telling me what that rate was. This letter was dated after the effective date of the credit card reform act which was supposed to stop credit card companies from arbitrarily raising rates for no reason.

I called them to find out what that default rate was, why they were charging me that rate and how they were allowed to raise my rate at all in light of the credit card reform act. They told me I had been in some sort of program for distressed customers who were unable to make minimum payments on their account at the "normal" interest rate, so that I had received a reduced rate and a reduced minimum payment for a year, but that the year was up and now I had to pay the penalty rate because of my previous credit problems.

This was completely bogus because (1) No payments were due during the promotional period, so I made no payments, preferring to pay off higher credit balances elsewhere. I had the right to refrain from making payments at that time. (2) I never made so much as one payment late during the year I was making payments on the account at the 10% interest rate. (3) I never paid anywhere near the minimum payment, paying at least 2-3 times what that minimum payment was.

Had I been informed that my interest rate would go from 10% to close to 30% after a year, I would have paid the entire amount off during that year to avoid the higher interest rate later. (4) I never requested any kind of program for distressed customers and was never notified in writing that I would be placed or had been placed in such a program until the date they decided to raise my rate to the default rate, at which time they sent me a letter telling me my rate would go up but never explaining that I had supposedly been in some special temporary program. It is my belief that they had no right to increase my interest rate under the conditions in which they did so.

GE Money calls multiple times a day for one late payment on my Wal-Mart discover card. This is a form of harassment. I'm tired of telling GE representatives several times a day the same thing over and over again about my scheduled payment online. They need to stop calling every day, seven days a week from 7am to 9pm at night at least four times a day just for one payment! I see this is a form of harassment. Not only has my phone gone off every day all day, but it's caused me stress and increased my blood pressure.

I received the latest Chevron bill between August 4 and August 10 (I check PO box once a week). The due date of the billing was August 9. As opposed to previously billings that arrived 1 1/2 to 2 weeks before the due date, this one arrived just before or possibly after the due date, making it impossible to return the payment on time. I may be assessed various new fees for it being late, though it was no fault of my own. I will vigorously fight these charges and no longer use the Chevron card. They (and probably, more likely GE Money) are low-life money-grabbing con artist crooks.

Basically, they opened fraudulent accounts after being on the receiving end of electronic transferring of funds, which in and of themselves were already supposedly shut-down by Paypal. After three years of trying to get any fees, I did pay back to me, let alone compensation; and at the request of any and all documentation, they had in regards to my account, GE Money Bank pretty much admitted to fraud, giving me a check of $400 some dollars. I have yet to sign.

I had to open a Care Credit account a few years ago when my teenage son needed to have dental work done. The first time that I paid the card off, I didn't encounter any problems with the company. The second time that I used the card however, I had a totally different experience.

My payments were due at the end of the month and being a teacher in California, my pay date is on the first of each month. After several months of having to pay this bill at an inconvenient time, I decided to make an extra payment through the mail in order to get ahead a payment, to match my pay date. Making a double payment at the end of the month should get me on schedule for the next month, or so I thought. The next month, I was charged a late fee. When I called to ask why, I was told that I had been charged a late fee because I missed a payment.

I explained that I had made two separate payments in the previous month, so that one could be applied to the current month. I was told that I had made that too early and that was why I was charged a late fee. I thought that this was a small misunderstanding that could be resolved. I was told that because the payment was received before the new statement was generated, they were both applied to the same month, and that the late fee would stand. After a few months of arguing with rude supervisors, I was convinced by a customer service representative to sign up for automatic payments.

Previously, my payments were $25 monthly, with automatic payments, the required minimum payment was $50 monthly, that's double! I thought that I should go on and sign up for the auto payments to save myself the hassle of having to deal with these people and this problem. The first auto payment came out of my bank account, and was applied to my Care Credit account without a problem. A few months later, I noticed that my balance was getting larger instead of smaller, how could this be if I'm now paying double? When I called to find out what was going on, I was told that the automatic payments were set up for the 5th of each month, while the due date was the 3rd of the month. At the end of the day on the 3rd, I was being charged a late fee, and on the 5th they applied my $50 payments to the account. Again I thought that this was a small misunderstanding that could be resolved.

As I started to question the agent as to how this could happen, I mysteriously got disconnected. I made a few more calls, in an attempt to rectify the situation, but to no avail, long hold times and more mysterious disconnections continued to occur. I was asked why I set up my automatic payments after the due date, I told them that the representative gave me that date, how could this happen? I told them that the first auto payment was fine, how could this happen? I was told by one of the reps that my due date had been changed, and now falls before my payment is due. I asked why my due date was changed; they had no explanation as to why. After 3 months of calling, automatic payments had been taken out for 6 months total, my balance was higher than ever, I still thought that this problem could be resolved, I was so, so wrong.

In July, the 7th month, I called again and was told that I owed around $100 for that month, how? I'm still making automatic payments through this whole nightmare! I was told that no payment had been received that month because automatic payments are only in effect for 6 months. I now owe them even more money! I have automatic payments on other accounts; I have never heard of that. I was told by representatives as well as supervisors that there is nothing that they are willing to do as far as reversing some of these fraudulent charges and fees. As of now, I have no idea what to do about this situation, I am asking whoever is reading this complaint to put yourself in my shoes. I have tried to keep this account in good standing; however, this company is making it next to impossible. Please, any advice is appreciated. Thank You

I tried to make a payment on their website on two different occasions and was not able to do so as I kept getting an error message that my attempt to make my payment had failed. I tried calling and waited on hold for twenty minutes and could not hold any longer as I had to go to work. I finally got through to a human a few days later and asked to have the late fees taken off since it was their website that wouldn't let me pay.

They refused and will not take off the late fee. I feel that since they won't take off the late fee that this is a way to rip the consumer off so they can collect more money. I have refused to pay them until this is removed as this I feel is a non professional way to make extra money by taking advantage of the situation. They are calling me day and night and of course this will go against my credit. I explained that if they remove the late fees that I would make my payments ASAP but they still refused. I need your help in resolving this matter as I am also planning on filing a lawsuit against them. Thank you and respectfully.

The interest rate is a rip off. They are charging me so much that I could not keep up with the payments on time and now my account is closed. I opened this credit card account for $300.00 in February 2009 and the annual percentage rate is 29.90%. So now, my balance is $807.00. My balance subject to interest rate is $735.70 and the interest charge is 19.29. This is a rip off. My credit limit was never increased. I am paying for a $300.00 limit and now it has been jacked up almost 3 times in one year.

I have an online account with GE Money. I made purchases and never received an online bill in advance of the due date. I was sent a statement 33 days later and charged a $39.99 late fee. I called to fix and was lied to and told I did not have a late charge by Darlene. I called back after reviewing my billing statement and spoke to Victor who told me they do not send bills. I should know that I have to go on their website and check to see what I owe them on the 18th of every month. I believe this is fraudulent and deceptive business practice. I have over 20 cards for over 30 years and have never dealt with such a scam as GE. Think of how much $ they make charging $40 to every client they have every month. They waived half of the fee.

Consistently every time I have tried to access GE Money website to pay my bill, their free online system malfunctions. It does not recognize the user name and password. After re-registering and receiving an authenticating success message, when entering into the system, you receive the same original error. Thus, making you pay over the phone, therefore paying the $15 service fee that they will not waive. I believe this is a scam. I am out $15 per payment and enormous frustration.

Basically, there was a breach of data of which I have prove of by the state of Wisconsin. I am a victim of identity theft likely due to a reason by the state of WI but that is another matter. This leads to someone hacking into both my email, eBay, and PayPal accounts. I was being charged numerous amounts of money. I contested them. PayPal found out what was fraudulent and what was not.

However, then all of a sudden when I thought all was over, there was a fraudulent transfer of funds of these supposedly 'closed and fraudulent' accounts! They were even showing up on my credit report, with one being delinquent! I did not receive cards but for seven of them, more like flimsy pieces of paper. Some were pay later cards, others credit! The woman above denied on the telephone of ever hearing of TILA laws! She told me to fax her proof of such a thing! I promptly did, of course, with a message stating I know my rights!

Additionally, I am disabled, on welfare, and as such do not pay taxes so how I have a tax ID in which to gain access to any monetary info for me to open an account? I should have very well been denied one even if I wanted to! I have proof of all of this going years back until this day, with police reports and records; recorded (sadly, by hand) telephone calls -- at least dated with names. What I do not have is a lawyer who will take this case! It has been sitting with the now oblivious Office of Thrift Supervision for over five months now. I have no idea what they are doing! I guarantee that if a lawyer takes on my case, we will win $17.5 million per count which is eleven.

And on top of that, that is not counting disability laws on my part! Guess who else told me I had a case? The very people at the law firm who sued PayPal and GE money bank a few years ago and actually won! They said I absolutely have a case if what I say is true; however they must decline. (Not sure as to why). They told me to contact the DA. I have no resources to do so. Please help as I see people like the following all over the net!

I just wanted to let you know what happened to me on 07/16/2010. I purchased some appliances last summer from HH Gregg in Tallahassee, Florida and opened an account. I know its probably my fault that I did not read the small print but wanted to let you know and everyone else what happened.

I paid my monthly payments on time and was within $400.00 of paying off the loan. I received my monthly bill on 07/16/2010. I apparently was unaware that I had bought the items during a "special promotion" period. I did not pay off the loan fast enough and on this date received a $446.45 interest charge to my account for not paying off the account soon enough. There is probably nothing I can do, but I wanted to let everyone know what happened to me and did not want someone else to go through what I did. Thanks!

I got charged $446.45 worth of interest on a $403.87 balance on my credit card. I just thought this was off the charts.

PayPal had a thief steal my identity and then there was a breach of contract (recognized by the state of WI) between PayPal and GEMB. This had gone on for years and I am still fighting it. It ruined my credit. Though this is fixed, not only will they not compensate me in any way due to reasoning that is completely wrong; but moreover, OTS never gave me my second notice after their 60-day review! (From Washington, D.C.)

This caused all damages: economic, emotional, mental, physical, you name it. Please have an attorney contact me as I have mountains of evidence.

The following are excerpts from a letter I sent to GE Money: "I am enclosing a check for $441.00. I am submitting the statement dated due 6/13/10 with a balance of $8441.00. If you will note; the name and address are incorrect. This statement and a statement with a due date of 7/13/10, arrived together with the 6/13 date on July 1st 2010 with a balance of: $8,689.67. Purchases: $8,441.00, Finance Charges: $208.68, Late Fee: $39.99. These were the first statements I received after numerous calls to the GE Money originator and the Customer Dis-Service Department. The original document from the Air Conditioning Company showed very legibly the name and address".

After several attempts with their Customer Service Department, I received a call stating that I had not made a payment. I then went to Carl's to straighten this out and GE Money still could not correct their errors and apparently they are still in the ice ages with their technology, as they said that they could not send me a correct statement. As I did not receive any correct statements, I am submitting the above stated check which will then state the account will be paid in full as they will be receiving $8,000.00 from a different bank. I had no intentions to do this until I found out how backwards GE Money treats their customers. This is the second time that this has happened but will never happen again. As all the statement errors are due to GE Money's entering of the correct data and not contacting me or the AC Company when the first statement was returned to sender, that should send up a red flag.

As GE Money has not yet received the above statements and letter, I do not know if they will disagree with it.

I tried to make an early payment by phone and was informed they charge $15. I went to the website to make payment and got locked out of the website. The payment website was very convoluted. They do not allow ATM card payments, only checking (which is the same account). They need to get with the online program. The 3-digit CVV number on back of the card has only 2-visible, out of 3, numbers. Therefore, I have to order a new card to view this important number for online payment purposes.

My first experience with "GECC" (another subsidiary) was a nightmare as well. I feel greatly for all Lowe's credit card holders. What should be a short, quick payment method turned into a 30-minute nightmare. They do everything possible to get their late payment fees as evidenced by the above.

I received a notice that a JC Penny card request was not approved as unable to verify identity. I did not make request because I already have a card. I got a number for them off the Internet. I tried to call these folks but it asks for their card number and if you don't have that, then they ask for SSA number. No damage as yet but my identity theft provider has sent two notices of credit inquiries. This makes me a bit suspicious and nervous.

Purchased a mattress at Sleepy's via GE Money Bank. Signed up for a 12 mo. interest free payment plan. Initial bill was $ 1384.98 starting June 1, 2009. I was 1 payment of $ 181.98 of being paid in full after 12 mos. of June of 2010 when I received a bill w/ all the deferred interest included. I called to see if they could waive this b/c I was mistakenly under the impression I would only be charged interest on what I still owed: $181.98 and not the entire year's worth of interest. This charge brought my new balance way up to $470.64. I was never late in paying GE Money and I am shocked that there wasn't something they could do for me, given the extremely difficult economic times this country is in right now.

I'm outraged that they couldn't work with me on this, I spoke to a rep that had nothing to offer me. I am extremely irate that I was 1 payment away and they nailed me w/ such a high fee of $288.66. In the end I got no 'deal' at all in dealing w/ this co. I find it particularly galling that credit card companies continue to get away with charging such high interest fees, all the while toting such false statements about how GE Money Bank is a company that prides itself on such customer service "here to help you thrive in any economic environment."

I got no help from GE Money! It's devastating to me that they get away with this! The financial damage to me is that I will have a harder time paying this bill off in full now, thus, they will be getting more money in interest off me. It's all so disgusting to me. Credit card companies don't care about people who, like me, have good credit and are working hard to weather this tough economy.

We have a JCPennys account that we opened a few years ago and never had problems with it. Even if we were late a payment. I at some point fell behind and I believe they sent it to GE Money for collections. So I got a call from GE and made payment arrangements with them. My balance was right around $650.00. I failed to get the arrangement in writing ( a lesson I have since learned) So I set up 6 payments with a lady. I dont remember her name sadly. She told me we would divide the balance into even 6 payments. She asked for the checking account number and when I went to give her actual check numbers she said they make up numbers and dont use real check numbers. She told me there would be no further fees or interest while on this payment plan. SHE asked me what date do I want it to come out. I told her any day after the 1st would be fine. SHE suggested the 8th.

I ASKED her if that would be fine with the due dates and such and she told me that since they arent charging any further fees the due date doesnt matter they are setting it to the date they are taking the money out. So I authorized them to make 6 auto pay fake check number withdrawels.I was told at the end of those payment I would recieve a paid in full letter. All 6 payments were taken out of my bank in the total amount of the bill. Fast forward a few months after it should have been paid. They claim I still owe them around 400.00! WHAT? They claim since I didnt make any of those payment by the actual due date they didnt count against my account. That all these late fees occured because my payment was due the 5th and they payment wasnt made till the 8th. THEY made up the date they were taking the money out. I told them anytime after the 1st SHE suggested the 8th.

I told them this they said they dont do that and it was my responsibility to set the right date even if she did suggest it, it was still my problem. THey also said they see no notes where they promised no further fees or the pay off letter. I tried telling them I paid it all. They denied all things they told me. I told them I wanted to dispute this and that my account should be put on hold from further fees and such and they said they dont do that. Whenever I call to try to fix this they deny all past conversasions and my bill has raised to 600.00!

I get harrassing phone calls Every day of the week including the weekends and after 9pm. When I tell them they cant call after 8 they say its not 8 where they are. They continue to raise my balance with fees. I am not working and have told them this. They offer the same repayment plan but refuse to send it in writing. Its caused me so much stress I have problems with my stomach and headaches. I am always on edge whenever the phone rings. It's affecting my home life as I get so mad after talking to them I have to seperate myself from my family.

When I found my payment and a late fee were posted to my account on the same day,which was the due date, I complained and the late fee was removed. Several months later when I paid my balance in full, the same thing happened; the payment and the late fee were posted on the same day, which was the due date. I complained again and was told the fee would be removed but it was not. Every statement since then has had an additional fee added. They had the audacity to offer to let me pay only part of the balance, which consists entirely of these erroneous late fees. I refused because I do not believe I owe any of these fees.

then 5 months later, a rep from G.E. calls ( on time ) as usual and says they do have a skip a payment plan. Nice to know after asking for help for 6 months, anyways i call the number she gives and the next person says its a different number. so i go back and forth calling the same numbers over and over and still getting nowhere. we are Not talking about 5000 or even 500 dollars. we ARE talking about 1 payment behind of less then 120 dollars and caling me every 14 days will not get it paid faster. cant wait to hit the lottery because my first order of business is to buy them out and show them how to run a company

In spite of having a 100% clean, balance-paid-in-full record withn not one but TWO GE Money Bank credit accounts for over two years (1. PayPay Credit account, 2. Exxon-Mobil CarCare ONE card), I had *ONE* late payment with this bank. The irony is the payment was not even technically late.

GE Money Bank posted the payment to the wrong account of the two - resulting in one account having a credit balance and the other being late.

Can you just imagine this? Some youth, sitting on another continent, instructing a 40-something year old man on how to write and mail a check?!

In any case, I did some research and have found very little to recommend GE Money Bank: if you can avoid this entity, do so at all costs. GE Money Bank remains in business by raping their customers, not by providing a useful product or service.

My own means of addressing this issue was closing the accounts.

I yet have to learn if I will be getting the "credit" amount returned to me

Myself and my nephew settled a debt with the company, GE Money, over the phone on March 16, 2010. I paid the balance owed, as agreed upon on the taped phone call, and the account should have a zero balance. This company is now claiming my nephew still owes $600. That was not agreed upon.

This company has been charging me a late fee of 40.00 for over a year with NO ONE contacting me!!!!! No one explained at the place where I bought my product that this company would do this. I am a single mom/ working full time. I do not receive statement. The online statement only shows 3 months. The company only reverses 1 late payment per year. They were very non- helpful and with no customer service. The company I used "Mattress Firm" no longer uses them because of so many customer complaints. I need action taken!!!

GE Money Bank - issuer of EBAY MASTERCARD/GEMB. Raised my credit card rate from 9.99% to 29.99% FOR ABSOLUTELY NO REASON. I HAVE NEVER PAID LATE AND ALWAYS PAID MORE THAN THE MINIMUM. I CONTACTED THEM BY PHONE AND MAIL AND WAS TOLD THEY SENT ME A FORM WHICH I HAD TO FILL OUT AND RETURN OR THEY COULD RAISE MY RATE. IDO NOT REMEBER EVER GETTING THE FORM BUT WHY IN THE ^%$#@! SHOULD I HAVE TO FILL OUT A FORM TO KEEP MY CREDIT CARD RATE.

Took out a loan with GE money bank for 48 months paid it off with one month late out of 48. They say they closed the account and reported me unfavorable on all 3 reporting agencies. Now they won't take it off the credit report

My wife and I decided to get a couch for our living room. We found more than a couch, so we applied for and received a loan from GE Money Bank. I was told no payments by the store till 2010. In November of of 2009 I started to receive some phone calls about being late for the payments. I told them that I was under the impression that I had no payments until 2010. They said my 1st payment was October 31 2009. I was stuck with about 1000.00 in interest. They said take it up with the store. I arranged payments with them for 100.00 a month and requested that the due date be changed to the 5th of the month. I December I get a call complaining about payments. I say I've already made a payment the caller says yes sorry we called. That happen 2 more times that week. Same thing occurred in January.

In Jan I decide to pay a large amount to stop the bleeding a little on the finance charges. I made a payment of 2100.00 and then set up auto bill payment for 100.00 a month and then forgot about them till today. I called to get my payoff amount so I can be sure I am finished paying them by December and found out they were charging me a late fee of 39.99 a month. My due date was the 1st and they received my payments on the 2nd of EVERY MONTH. I made them an offer. Remove the late fees and I'll continue to do business with you. If you don't, I'll take my business elsewhere.

So for about 120.00 they said good buy to me. I would have paid more than that in interest over the next 4 months. Instead I'll just send them a check for what I owe and be thankful I am done with them before I end up like so many others on this site. I learned my lesson. Read everything and ask for conformation of everything. You just can't do business on the word of people anymore. There is one good thing about creditors like this. When you pay them off at least they are out of your life for good. I don't have to worry about bumping into them on the street. Credit score lowered for being 1 day late. Every month.

On 6-01-2010 I made a $53.00 payment on line and as uaual this time it went through. I then found out she had not waived the return fee. I am out $ 60.00 and GE Money can not really explain why. I have a 720 credit score and do not want their unethical practices destroying that. Seems like $60.00 just vanished from my pocket to thier bank with no explanation.

According to my records, my past payments have been posted 5 days or less from the mailing date. Why post the payment 18 days after the mailed date?

Last December, a similar thing happened. She was able to dispute the late fee in my behalf that they tagged on to my account.

For this current dispute, my niece asked Libby for the supervisor's name and Libby refused to give her supervisor's name. My niece informed Libby that she will inform me and that we will be filing a complaint with the consumer office for the unprofessionalism of the staff and the company.

No nothing until the attorney wrote them about this " accord and satifaction" law. I have been away due to a family emergency and Ge called my husband that is not on the account and told him that i owed money and all about the account. when i get home i will be writing GE a formal letter to clear and close this account, they had no right to talk about this account with anyone. I'm away from home when i return i will give you the address etc to this GE. I do want an attorney to contact me and help me as i no longer have an attorney to deal with this account.

They doubled my monthly payments for Walmart, then changed the due date and started charging late fees. They also lowered my credit at the same time altough I had never been late. I live on a budget and had no problem paying before. They call me all day long. I've tried talking to a rep but they argue with me and tell me that I am not responsible. I have had open heart surgery and did get behind on my bills but I always paid them on time.

I got a call from GE Money Bank on 2/23/2010. The person explained that my payment was late. It was late by one day as they do not set an exact date but rather a 30 day cycle. I had setup my auto payments (some time ago) not knowing this and set the payment day 3 days before the due date (or what I thought was the due date). The payment date moved just enough that I was late one day. I had asked to speak to the person's manager so that I could understand what exactly I needed to pay to get the account current.

While speaking with the manager, I agreed to pay the full payment on the phone to bring it back to normal status. Additionally, I asked exactly when and how much my next payment would be. The person explained my April payment would be $209.00 due on the 13th. I repeated back that if I paid $210.00 on the 12th that I should not have any issues. He responded in agreement. I get back from several business trips to find my statements for both April and now May. Both April and May have late charges for $39.99 each.

I paid the March payment via the phone on 2/23/2010 for exactly what I was asked to pay, and yet my April statement shows this late fee for $39.99 for March payment late. In addition, my April statement shows my payment should have been $231.00 and not $209.00 as indicated by the service rep. I called GE today and asked to speak to a manager. I was connected to Dennis, who explained that March was late because I should have paid $237.49 and not $237.00. I explained I paid exactly what I was asked to pay to bring the balance back to normal. Dennis said he could waive the late fee for March as a courtesy. Dennis further explained my April payment is now late because the late payment for March (which was removed and not my fault) caused my payment to go up to $231.00.

I had paid $210.00 for April 4 days before due, based on what the service rep told me my payment would be. Dennis said he could not remove the late fee for my April payment being late. He also said they do not keep the phone conversations longer than 30 days and therefore has no record of the conversation I had on 2/23/2010. I now have to write a letter to his manager to see if I can get the late fee removed from my May statement. This caused me increased payment amount by $21.00 and $39.99 late charge.

Long story short, I had opened an account with GE money on 2007 with a 9% rate. Before making any purchases, I called a representative to know about interests rates and was told that I had nine months with the same rate. I bought a bedroom set and a living room set which I've been making payments since. I pay 150 to 200 a month and my invoice never seems to lower. Now it's 2010 and If they say I still owe 2207.03 raising my rate to 47%. Not only did they raise the rate but they also closed my account without me asking them to. reps claim that they can't help me and there's nothing I can do. Example from Sept 09 until now April 10, I've paid 1,400 and my account hasn't even lower 500.00.

I now live off of SSI, have a great credit limit which now GE money is ruining. What they are doing not only to me but God knows to who else is stressful.

I recently opened a GE Money account and took advantage of a 36-month No Interest Promotion a retailer was offering. Because it is a relatively new account and am not familiar with the statement cycle, I prepaid my last payment prior to the bill being mailed. Yesterday, when my statement arrived, it showed my payment as credited, but also required an additional payment for the month. I thought there was an error and I called the customer service number to speak to one of the representatives. The person who took my call did not speak English very well so I asked to speak to a supervisor.

I was then connected to a manager named Carol, who, in an extremely sarcastic tone, explained that because my payment was received the day the bill was mailed, it was considered an additional payment for the prior month. She also told me that because of the billing cycle I have to make another payment to keep my account current.

Since nowhere in any of the fine print any of this is explained, I find this grossly unfair and predatory. By copy of this letter to the Federal Trade Commission and the Federal Reserve, I will file complaints with both agencies. Additionally, I am also sending copies of this letter to both Sen. Christopher Dodd and Rep. Barney Frank so they both can see how once again big business is taking advantage of the consumer and why further credit card regulation is mandatory.

I am struggling to keep bills paid already and then my job is gone. So being a responsible person, I contacted all of my creditors and informed them. Unfortunately, I did not have the right protection set up with 2 of them and of course, they, Citi Card and American Express, were not willing to help so the account went to get money which literally called 6 times a day!

I finally had a little money that I could give them. I was told that I had to use my debit card in order to pay them so I did. Wrong! They took that out and the next month, took out another $319 and told me that I gave permission over the phone! No. Now my account is overdrawn 500 some odd dollars because of the necessary bills that came out and the overdrafts.

When I contacted them of course, the phone recorded conversation was lost and this and that. Then after speaking to supervisor after supervisor, I finally had someone named Nick that informed me he was researching it and for me to check back Monday about it! Well, lo and behold, the number he gave me was not the number to him or supposedly the office that deals with creditors. So now I am on hold again and have been for the past 45 minutes trying to find someone at GE money that can even pull up my account!

My husband lost his job 10 months ago, and we are having a very difficult time paying our bills. I called GE Money and asked if I could get my payments reduced or qualify for the hardship program. They told me since I was current in my payments, they could not do anything. In the meantime, I struggled to make the payments and then fell behind two months.

I just got a letter from a law office stating they want the entire balance. I called and explained that I called GE Money and explained the situation and why we fell behind. The women I spoke to had no sympathy and tried to strong-arm me in monthly payments. They also wanted my checking account number where the payments would automatically be taken out of. I refused to agree to these terms, since I knew I could not afford them. I want to resolve the issue, but I don't know what to do. Any suggestions? I have 30 days to respond to the letter from the lawyer.

I opened a Lowe's Project card and have been paying on it for three years. I never purchased anything else but two windows, both of which closed. I have, right from the start, been paying double and triple payments right at the store. I noticed that the balance seldom seemed to go down much, but I persevered, paying and paying. I had always heard that you can build credit by using store cards and I thought this would help me. I have finally gotten close to striking distance of paying the card off. I was anticipating happiness.

So, this month I received a letter from GE Money Bank telling me that they had closed my project card for: "Present or past delinquency on trades; number of months since last delinquency is too recent; Number trades active in last 12 months." I don't really understand this. I don't have any other credit cards. I was approved for this card up to $5,000, which I never maxed out. I am paid up to date, paid all of their incredible fees and now I feel like I have been stabbed in the back.

Lowe's has lost a customer. I will send them a letter explaining why, which I know will mean nothing, but I feel that they should know how offended I am. I also plan to write to my congress person, for what that's worth. Now, I understand that instead of helping my credit, GE Money Bank, who made good profit off of me, has injured my credit. Why they did this, I cannot fathom, except maybe they don't have to care about people like me. But, I am sure they don't teach this in business school. It seems like a deliberate attempt to injure.

Now, it happens that I actually have the last of the cash that shows as my balance and I am scared now and don't know how to pay it off so that I don't get zapped with charges I don't owe. I'll be quite happy to hear if GE Money Bank goes under. I hope they fail. I really, really hope they fail. They deserve it. If it ever happens, on the day I find out, I will toast their demise all day long.

I signed up to use GE money bank after purchasing hearing aids from Southwest Hearing. I was guaranteed that if I don't like the hearing aids, I could return them 100% money back. When I did return them, I started to receive statements that I owed GE. Every month it practically doubles! We have called and written and explained this but they won't resolve it. I would never sign up with them again and tell everyone I know about the experience I am having with them.

My wife purchased furniture from a local store and paid through a 12-month same as cash deal. We made regular monthly payments paying off the debt within the twelve months on February 5, 2010. Since then, I received an email in March indicating that I had not paid my balance and to pay or contact them. I called and walked through my payments with a customer service rep in India but we finally finished. He indicated that I would be transferred to another office to clear the account. I was on hold for 47 minutes and finally hung up.

In April, I received another email that indicated that I was delinquent and called all over again. This time, I was told that the original purchase was $498 and when I explained that the payments were over $2,000, that the information must have been wrong, the customer service person said I would be transferred to his supervisor. I waited five minutes, hung up and called back asking to speak to an American. They gave me a different number to call. The "American" number was answered by someone in Guatemala who was not happy when I asked to speak to an American and would not transfer me. So we went through the whole routine again about an original purchase of $498 and how I had paid over $2,000.

This rep then said that we had three different purchases and that according to his records, we didn't owe $498, rather $207. This may make sense as I was paying $207 per month early on. However, when I asked him to verify my payments, he said, "I can only go back 12 months to pay." I indicated that it was ironic that though he could finally find the original purchases, he could not find payments made in early 2009.

He is finally the person that gave me an address in El Paso, Texas to write them and get a full accounting of the payments. I sent the letter during my own working hours to try to get this cleaned up. I believe I paid in 12 months. I called them in December 2009 to make sure I only owed $416 as I was going to divide my two payments in January and February. However, if I am incorrect, I will pay whatever is due but not late fees and interest. I am also worried about my impeccable credit rating.

Today, Sunday, April 18, 2010, I got a phone call here at home asking for payment. It was an Indian fellow again. We went through the whole $498 and payments exceeding $2,000 again. He said that I would have to talk to his supervisor and again, I held on the line and after four minutes, I heard a click and the phone was dead.

I would love to contact the company but there does not seem to be anyone or any number that I can call. This is taking time away from my work and causing severe stress that when dealing with an American company, I have yet to speak to or even try to speak to an American. Not to mention the potential affect on our credit rating.

I have previously filed a complaint with Consumer Affairs. Since that filing, I have received at least 12 phone calls per day, sometimes less than five minutes apart. I have documented all phone calls and it is also recorded in my caller I.D. These phone calls are from Division Operation at 713-300-2869, a collection agency said to be representing G.E. Money Bank for Lowe's project card.

My previous complaint explains all circumstances and now, I just want to update that today, 04/16/2010. I received a collection notice from G.E. Money Bank stating that I am delinquent, and if I don't pay the $21 that they say I never paid, they are going to charge off my account and file a lawsuit against me. I believe by law that they cannot do this since I am making every effort to pay this bill and comply with their requests as I did with the $21 payment. I need this to stop!

GE Money Bank received the debt from a weight program that I signed. They issued a credit card and started to send monthly bills. This is deceitful because if you receive credit card, a credit balance and a monthly statement with a minimum balance payment of 30 dollars one assumes that is a revolving credit.

On top of this, they charge a 39 dollar fee which they do not explain even if you call, they will not explain it. They say it's theirs, pay it. I asked for a supervisor, I was not passed to one. They denied it twice on two different calls. So still today, I do not know why I'm charged a 39 dollar fee when all my payments are on time.

On top of that, I was under impression that credit was revolving being that they issued a credit card, but at the end of year of the debt, they refinanced the loan at 40% rate! So I began owing 970 dollars I have paid 600 dollars in one year but now I owe 1,015 dollars. In April, I owed 734 dollars and they charged me 293 dollars to refinance the 734 dollars plus a 39 dollar fee. I am certain this is an abusive practice since I have not been late on my payments and I have good credit core of 730.

Finally to top all of the above, I get charged 30% interest rate which is absurd, plus the unexplained high fees that are higher than the minimum balance! 39 dollars every month! Their practice is abusive and if you call and complain, they will not pass you to a supervisor.

I opened a Lowe's project card to do some remodeling in my house. I was working full time and was making monthly payments on the account. There were two projects opened with two different finance amounts that did not exceed 7K for both. In June 2009 me and my children's dad was laid off and unemployment was backed up to where no one would get any payments until late August 2009-Sept. 2009. I contacted Lowe's and let them know that I could not send any payment for the three months that I did not receive any income.

They said they would work with me and that I was to contact them when I received my unemployment check. I did receive a retroactive check in August, and it was substancially lower than what I had anticipated. At this time it was clear that I wasn't going to be able to make the minimum payment to Lowe's or to any of my other creditors, so I enrolled in Consumer Credit Counseling Services. This is not a debt settlement company, but a non-profit who works with creditor to reduce monthly finance charges, payments, and eliminates late fees so a person can pay their debt. CCCS sent contracts to all creditors and started mailing payments right away to all creditors including Lowe's G.E. Money bank. About two months later I started receiving phone calls from G.E. Money saying that my account was delinquent and that I needed to pay $500 to bring the account current.

I explained the CCCS contract and the representative for G.E. Money Bank put me on hold and when she came back on said that they needed CCCS to resend the contract as they didn't seem to have it and that it would all clear up and I could continue with CCCS once G.E. received the paperwork. I contacted CCCS and asked them to resend the contract and continued to pay CCCS and they continued to pay all my creditors per contract.

Another month passed and I started getting more calls from G.E. Money Bank Lowes. They said they won't work with CCCS even though I have another G.E. account, but said I could enroll in their hardship credit program and continue making the same payment of $90 using the online payment plan. I agreed and received a copy of the contract agreement of the hardship program.

In December of 2009, less than two months after being set up in their program, I was dropped with no notice, and I continued to make the 90 dollar payment unaware that they were charging me late fees and showing my account delinquent again. I started receiving relentless phone calls in March from TSC, a collection agency representing G.E. Money Bank who said that they want the account paid up-to-date or they would turn my account over to the IRS. I explained I had been making regular payments and about the hardship program and when the collection representative looked it up she agreed that it did show my regular payments and she is the one who told me about being dropped from the program in December. This was the first I had heard of it! The representative said that if I made another $21 payment that the phone calls would stop. I had already made my April payment before the due date of April 8th, and the $21 payment was made as promised by the 8th. I am still receiving harassing phone calls 15 minutes apart. Today they called at 2:20 p.m., 2:35 p.m. 2:44p.m., and 3:05 p.m. I don't deserve to be harassed by a collection company when I have been making regular payments and communicating well with G.E. Money Bank.

This is a comment and suggestion for anyone having a current complaint against GE Money Bank. We had a problem similar to what has been posted on several online sites, but in contrast to many of the posts, we are very satisfied with their response. Notably, our experience was similar to results reported by the Better Business Bureau, which gives GE Money Bank an A+ rating. The main difference between our situation and others seems to be that we communicated with customer service in writing and provided supporting documentation instead of just trying to discuss the situation by phone. If you have a complaint, we strongly recommend requesting a supervisor's name and fax number to send written documentation, if the problem can't be resolved by a phone call to customer service.

Our details: In February 2010, a no-interest promotion was terminated, deferred finance charges were applied, and our interest rate was increased to the default rate (29.99%). I called customer service to ask the reason and was told that two payments in 2009 had been late and we did not communicate with GE Money Bank as instructed in the December 2009 statement. I reviewed our statements and then spoke to a supervisor to request a fax number to send a letter of explanation and relevant documents. My fax included two significant points: our two late payments had been due to bill-pay posting delays and the December statement's message to contact GE Money Bank had been overlooked because it resembled the previous month's notification of across-the-board changes in January 2010. I sent a copy of an earlier statement and pointed out that attention-getting bold type and capital letters had been used to describe policy changes, something the personal message had lacked. After GE Money Bank reviewed the documents we provided, our promotional terms were reinstated, finance charges were removed, and the late fee was reversed. As previously stated, we are totally satisfied with how GE Money Bank handled this situation.

My husband bought a four-wheeler through GE Money Bank. We made 59 payments of $126.20 and received a bill for $971 due in full for the final 60th payment. They said it was "late fees". The Melissa person I spoke to in Customer Service (I use the term loosely!) was very cold and unfeeling, she pretty much told me it was too bad. I asked if I could pay $150 a month until it was paid off and she said I could do whatever I wanted. I asked if it would incur late fees, she said call back after the due date and see if a late fee was added.

I went ahead and made an over the phone payment for $150 with her. After I thought about it for a while, I called Customer Service again and got someone named Alicia. This lady was very nice and helpful. Unfortunately, the only thing she could do is offer a settlement for $630, due at $210 a month for the next three months. Our credit report will show that it was settled not paid in full. What a crap after 59 payments! We have lost our jobs and struggled like hell to pay this every month and we still get a bad credit report.

And get this, Alicia told me if I hadn't called back, it would have gone into default and they would have repossessed the four-wheeler! Can you believe it? Please, please, steer clear of GE Money Bank! We will, and we are trying to tell everyone we can every way we can! It should be illegal to mess with people's lives this way!

GE Money closed two credit accounts that I had with them that were in good standing. One account had a zero balance, the other account was up-to-date and in fact I have been paying extra.

I am working very hard to be a responsible consumer, pay off my cards, and raise my credit score. By GE Money closing good standing accounts on me, they are negatively impacting my credit score. How can a company get away with this type of damaging activity? It appears GE Money has found another way of insulting Americans by finding the loophole that Congress did not address. Is GE Money's plan of action to close all accounts that aren't making any money for them?

I got a letter in the mail stating that I had been denied a credit card and/or personal loan. Now, here comes the good part, I have not applied for a loan or credit card through this company nor have I ever even heard of this company.

I called regarding my account that I explained several times that I didn't have a credit card. The first gentleman hung up on me with no understanding. The second time I called, I spoke to John ** with a Middle Eastern accent. I tried to explain to him about my account, he told me the account didn't exist and he couldn't pull it up. I said, since we are having issues, I requested a supervisor. He placed me on hold and disconnected the phone. I called back and the phone was again disconnected. I called back Peter ** again, which one of the same John ** and I explained to him again that he can keep disconnecting the phone but I will be writing a letter because as customer, you are speaking to the customer this way.

I requested for supervisor and he gave the name of Jenny ** the first time and then he said he didn't say it but I had written down. He said there were many supervisors. I explained to him, "I can wait so please get me a supervisor". I requested several times before he put me on hold. Then a supervisor by the name of Shaun ** started off on a confrontational point without finding out what was going on. I said, "if the call is being monitored for training person, then your quality control isn't working if you are arguing with a customer about information on their account". I started with this information approximately 5:15PM and it took over an hour until I asked the supervisor where was the call routed to and he told me India and I said goodbye.

I found old letter with an address which I mailed a letter to: GE Money Bank PO Box 36953 Canton, OH 44735. I'm requesting a copy of the account being paid in full. The account is currently under Consumer Credit which the final payment was paid around the 23 March 2010. No conclusion on my account and no understanding about my account, which the gentlemen told me it didn't exist and they couldn't locate the number. I asked for another number, they couldn't provide me any more numbers.

I bought a new furnace that was financed through GE Money Bank. It was a special promotion with a low interest rate. My payments were $207/month. In November of 2009, I received a notice that the interest rates were going up. I called them to find out if this applied to me and was assured that, as this was a special promotion, it did not apply to me. This month, when I went online to make my payment, I saw that the minimum payment had increased to $259 (I almost always paid more than the minimum payment). I called their customer service number and, after being on hold for 20 minutes, was told by the representative that I had been notified of the payment increase and there was nothing he could do about it. I told him I had not been notified of that and suggested he put me through to someone who could do something about it. Again, I was put on hold and after 10 more minutes, the line rang and then I was disconnected!

I called back, was on the line waiting for another 20 minutes and when the representative answered, I briefly explained the situation and asked to be put through to a supervisor or someone who could help me. I was then put on hold for another 20 minutes. When the next representative finally came on the line, I explained the situation yet again, expressed my frustration that I felt we had a contract and I had upheld my end of it and expected them to uphold their end of it, was put on hold again while he 'discussed this case with a supervisor'-thought I was already put through to supervisor- with music that was very loud and distorted where I waited for forty more minutes. I am sure that the hold music and the time left on hold was designed to make me give up and hang up, but I did not.

When that same person came back on the line (I am sure he was surprised I waited all that time). I again was told there was nothing they could do about it. I informed them that I was contacting the furnace company, the Attorney General, The Better Business Bureau and all my friends on Facebook to tell them of the terrible way they handled me and how they broke our contract. I am sure that the increase in my payments was designed to eliminate me and my debt as fast as possible so they could re-loan that money at a much higher interest rate. I have contacted the furnace company-Bryant-and told them what happened. They stated they are not at all connected to the finance company, however the GE Money Bank website I go to for payments has the Bryant logo all over it. I will never buy anything that uses GE Money Bank for their financing, nor will I ever buy another Bryant product if they continue to use GE Money Bank as their lender.

My budget is now stretched a bit tighter. With everything else going up in price and no raises for me for the next 4 years (I am a NY State employee) it makes things tough and now I can barely make the minimum payment. If I don't make the payments the way they dictate, my interest rate will go through the roof. I am stuck between a rock and a hard place.

Stay away from this company! Our vet recommended them for an emergency vet bill. We received a "promotional rate", if we paid a set amount, over the minimum payment each month. Our credit limit was $500.00. We paid that set amount of $50.00, and paid at least a week early each month. I noticed that the last two months the balance was increasing.

When I checked my statement this month, which I downloaded (which conveniently they had changed to online only instead of a mailed paper statement, so I would not notice the interest/terms change, I never authorized them to change me to online statements only, and have no doubts that they did this so I would not notice the change). I found on the statement that the promotional rate had expired. and they charged me $97.38 on y balance of $206.57! Supposedly, this was charged back to the beginning. How on earth can you justify almost a hundred dollars interest a month, on a $206.00 dollar balance?

I am getting ready to contact them via email. I have paid the bill, and I will close this account. I have informed my vet of their practices. Don't use this company for anything! I can see now why they have so many complaints listed on this board. They have many complaints listed on Complaints Board.com and Consumer Affairs board. I sure wish I had checked these boards, before I got involved with GE Care Credit. They just made finances harder to manage, when I paid them off to stop the ridiculous interest rate increase.

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!

Opened eBay account. Became victim of identity theft. Then victim of fraud. PayPal found it to be fraud. GE then did more than seven fraudulent 'balance transfers' of accounts under names such as heidi kj. or with my wrong birth date and somehow navigated their way around my fraud alert to put negative information on my credit report. I don't even have credit card! Emotional issues over the past year or two now. Almost lost baby's father due to stressful fights. Cannot purchase a house and no one will lend me money. I am now on welfare and disability. I wish I could somehow arrange a class action lawsuit but have no clue how!

I made several purchases on Saturday March 6, 2010 in the Women's Dept. I submitted my Lord & Taylor credit card as a form of payment. I was told by the salesperson that my card was not accepted. I suggested to her that I had not used my card in several years. Perhaps it needed to be re-activated. She tried doing that and was told I had to submit a new application for credit and that I should receive it in 5-10 days. I completed the application and paid for my transaction with another credit card.

I received a letter from GE Money Bank, Creditor located in El Paso, TX stating that they were unable to identify my identity with the information provided when I applied. Also, an outside source from a consumer reporting agency influenced that decision. I have very good credit and cannot understand why this action was taken. I have always maintained good credit and never have trouble making timely payments. I would have contacted GE Money Bank Creditor but their was no way to contact them. No phone number was included in the letter. If you can help me resolve this problem please help me. This is very embarrassing to me. I was shopping with my daughter in Columbia, Maryland when this occurred. I usually shop at Lord & Taylor while visiting my family.

I am unable to pay a small amount to Walmart due to illness. So instead of trying to help me, they take me to court and expect me now to pay them 4 times what I owe. They are cruel and mean people. If I could have paid on time, I would. Never will I get over how they treated me. They've given me a kick when I am down. This added stress will just lengthen my recovery, hardships are everywhere. Now I have a forgiving God who help me to forgive my enemies.

I previously wrote you regarding a check mailed to GE Money in the amount of $305.00 back in December 2009. Three months trying to get an answer as to why payment has not been applied and customer service will not let you speak to any accounting department or supervisors. Took two faxes and copies of cashed check and a threat of legal action and still no calls from anyone to say that they received the check. Somehow it appeared out of the clear blue and today their automated service informed me that check was received January 26, 2010 and has been applied to the balance. Oh, but it will take them 3 weeks to return my check. I want my money now, not in three weeks. Total disrespect for the customer, not even a courtesy call. No wonder so many people don't pay their creditors. They're all a bunch of (expletive)! I need my money now, not in 3 weeks. Also, I need any finance charges reversed.

I purchased a Sony Vaio after being offered 24 months no minimum payment, no interest. A few weeks later, the company which offered to finance the purchase, GE Money, offered me a Debt Protection program which I could try for 60 days. I enrolled in that program, but canceled after less than 30 days. My account was refunded and all was well as I left the US, little did I know, all was not well. The $15 minimum payment I had made was allocated toward my promotional balance and not the protection plan outside the terms of my promotion.

When I arrived at my destination, I, an individual with excellent credit and platinum card membership at 23, was quite stressed at seeing a late payment fee and other finance charges! I immediately called GE Money's "Customer Service", which I later found out that it was actually their Collections Department, within the month. They have admitted their error and twice now adjusted my account for these late fees. However, my account is still showing a balance outside my promotion because of their other fees and charges, and that balance is still incurring further charges.

All of these fees and charges stem from this initial erroneous charge to my account, which GE Money admits to making! I have so far paid $30 since the first payment, and I was told that $30 would go toward my promotional balance and that the fees would be reversed. They have not been and that $30, unlike how they handled the first $15, was suddenly allocated, and for no apparent reason, towards these erroneous fees! GE Money has since told me there is nothing I can do except to pay the fees. They refuse to cooperate with me after several international phone calls.

I have contacted the Better Business Bureau, but I'm afraid in the time it takes the BBB to get together my healthy credit score will be destroyed by GE Money if I do not pay off these fees which GE Money has said were assessed in error! I'm in the process of also filing a complaint with the Office of Thrift Supervision. My case has not been put into litigation, yet.

I have called GE about this and their stance is that when paying electronically through my bank, that type of transaction can take up to 3 days to post. Can-- not did. I was charged $39.99 and recorded with a late payment. I do not feel that is just in any way. The damage was $ 30.99 and a negative action taken against my credit.

I was a good customer with care credit, I had signed up and they accepted right away with no problems. All of a sudden 3 months later, I received a letter in the mail. The door closed really hard in my face, I was in shock, I could not believe what just happened. This has never happened to me before, so cold and so rude.

They closed out my account for no other issues that was not pertaining to them at all. It's a credit card, I've been making my payments on time and everything is doing real good. They make people not want to pay them at all if they are making my credit look bad for something I did not do with them. I have 5 other credit cards and this has never happened to me before.

All my credit card issues are in good standing, my credit is good with my payments on my credit cards. I thought what I signed up for was a credit card so why am I being treated so badly by this company? They are even making my credit look bad on my report. I did nothing wrong to them at all.

We obtained a GE Money Bank card through a promotion that Sleepy's was having under the terms of no interest for 2 years. If at the end of the 2 years we have not paid off the bill, then we would have to pay all of the interest. We received the card in the mail with an incorrect first and last name. We tried to get it fixed which took weeks! We get a bill after and start making our payments. Months later we get a statement telling us that the promotion has been cancelled due to late payments. We called and asked when we were late and they stated that we had two late payments and that was their terms of the promotion. We were never disclosed this information and do not see it on the contract anywhere. We have made payments each month and sometimes two payments--well above minimum due. The due date fluctuates each month according to them.

We contacted someone else and they asked for information to further investigate and never heard back. They will not work with us at all to cancel the account so that we no longer receive any finance charges; however, they will not do this even though they said they sent us a statement months ago telling us if we cancelled the card, we could go on without paying interest. How does that even make sense? They were extremely rude, unhelpful, and dishonest. I would never advise anyone to do any business with these low-lifes. We have incurred hundreds of dollars in interest and finance charges even though we pay on time.

I have been in the process of paying off a consolidation (LOC) through GE Money. I haven't used the account since I got the loan. I've only been making scheduled payments. I'm trying to do the responsible thing and preserve my credit. GE Money wrecked all of my progress by canceling my line of credit without warning. I'm fuming. I've worked hard to restore my credit rating, and this is completely unethical, and damaging to us, Americans, trying to keep our heads above water. Now I am stuck with this loan until I pay it off. I'm halfway there. My credit rating now prevents me from refinancing my mortgage to a lower rate. I would have been able to save $300-400/month. Now, I'm stuck underwater thanks to the actions of GE Money.

We paid off the balance of the Mervyns account through an electronic payment to GE Moneybank. The minimum was $10. We paid full amount of $155.87. The account date due was 03/04. It was not posted till 03/09. We now received a bill for $39.99 late fee (5 days) and "account security fee" of $2.25, for a total due of $42.24. This is why congress and Better Business Administration should go after GE Money. They would not even talk with us and were very rude.

I had a fraud alert mailed to me letting me know there may be fraudulent charges on my account. The representative stated I needed to answer a few questions in order to verify my identity. He proceeded to ask me questions that I would need my credit report to answer. When I told him I couldn't answer the questions, he didn't allow me to pull up my credit report to answer correctly. Instead, I automatically "failed the exam" and they would give me no information on my account. I asked to talk to a supervisor and he was completely rude and would not answer any of my questions. I simply wanted to know if I would be responsible for the charges while waiting my 30-day period to take the next "exam".

He simply said that after we passed the exam, the charges would be counted as fraudulent and investigated. I still have no answer if I will be responsible for the charges. I am absolutely appalled at the fact that I could not get any information on my account and even generally if I would be responsible for the charges until they were investigated. What identity thief is going to ask about paying the charges?

I made payment arrangements with GE Money on my Lowe's account after being late for several months. I made a big payment and then agreed to make payment arrangements set up through my bank account. Two days later, they charge off my account. The gentleman, Sean, basically told me he was sorry I was not given all the information I needed and that there was nothing he could do to help him. I encouraged him to go back to recording of the conversation I had with the representative a week before, but he was not concern with that.

This was worst customer service I have ever experienced. He basically told me they were not concerned about the money any longer. We spoke for about 20 minutes and did not get the matter resolved. I have the credit report when they wrote off the account and when I made the payment. He acknowledged that he could see where I have electronic payments set up to come out and he asked me did I want to cancel those payments.

I have been trying since January of 2010 to resolve an issue of a check in the amount of $305.00 that I sent to GE in December of 2009. It is unbelievable that a multi-million dollar company does not have any contact numbers other than their customer service call center to address serious customer complaints. The impression the customer service reps give is that they are working out of their homes with slippers and curlers in their hair. I don't have a problem with this other than they are instructed not to let you speak with anyone else or in my case their supposedly "research department".

It has been over 4 weeks that I faxed copies of front and back of the check that was cashed by them. To this date, 3/15/10 I have not had a call back from their supposedly research department. I find this a total disrespect to their customers to let an issue slide for so long, especially when they are sitting on my money. Customer service told me that they do not have corporate phone numbers and that I will have to wait until the research department contacts me, which could take 2-3 weeks. Well, we're on the 4th week guys!

I am seriously considering contacting the Credit Bureau and explaining that I will no longer be making payments until this issue is resolved and if that doesn't work, contacting legal assistance to help me recover my money. In the interim, I want everyone out there to know how unprofessional and disrespectful GE Money Bank is to their customers! I will surely be closing all my accounts with them and plan to put this all over the web. This caused the time lost and aggravation of talking with incompetent customer service reps, and the fact that they are sitting on my money for three months now!

My problem almost seems petty compared to the complaints from others I read about GE Money Bank but it is a moral issue and it's important to me. I was going through my Sam's Club Discover states for 2009 to gather gas purchases, office supplies, etc. for our business. I do most everything by hand because I'm not real good on the computer, old school, I guess.

Anyway, I was paging through my March 2009 statement and 3 pages back at the bottom was a check for $527.88! I almost fell off my chair, I was so excited. I looked further to see it expired in August, 2009. I called GE and begged for them to re-issue a new one. See, it was a "reward check" for spending on that card. I told them how much I, like all Americans could use an amount of money, like that and if they are going to give a gift. Please don't take it back. I told them I would be tickled if they would just deduct that amount of my next month's bill. I suggested why don't you send it in a separate mailer or at least put it on the front page so the consumer could find it. It was like they were hiding it in hopes I wouldn't find it.

I know it was my fault for not paging through each page and all the advertisement flyers they put in there but when I get my bill, I tear off at the perforation and make my payment. GE said there was nothing they could do, it was expired and that was it. I went to Sam's Club to try to get some help from them. They made a call and tried, but nothing. They gave me a P.O box in El Paso, TX to dispute. I wrote the letter on 2/18/10 and got a response from GE on 2/26/10 that said, "Unfortunately, we can no longer honor the check as the expiration date has passed". I thought, "Your GE flipping Money Bank, how can you say you can't do anything"? They just won't do anything because they don't care, they don't have a conscience, morals or integrity.

On March 4, 2010, we received a letter stating that GE Money Bank reviewed the recent payment history on our Lowe's consumer account. The number of dishonored check payments made to our credit card account, has reached an unacceptable level, and they regret to inform us that they closed our account. I called GE Money Bank, and spoke to Nicole, and she stated that 2 checks were returned on the account, and late payments were the reasons why the account was closed.

Upon further investigation, the checks (2 checks) she referred to were from October of 2009, which were paid by my bank. Why wait until 2010 to inform us of this? And why close our account knowing that the checks were made good, and the account is/was in good standing? I do not understand the reasoning behind this.

Please take necessary action against these cheats and would like to keep the promotional balance intact as 861.67 and reverse all my finance charges. Undue finance charges for more the $361.

In November, I requested a payment plan with GE Money. They offered me a settlement plan. They set up 3 payments on my account and all payments were withdrawn on or around the 18th of the month. They are now calling several times a day and e-mailing for the full amount and late charges. I fulfilled myoabligation and sacrificed to make the three bigger payments.

I have a GE Money Bank Credit Card also known as CareCredit. I use this card specifically for health related and veterinary care issues. The card is primarily advertised toward these issues and stress that the promotional period is 0% interest. I opened this card last year (2009), and used it periodically. I sometimes paid it off, sometimes in the promotional period, sometimes not. When I wasn't able to pay the promotional amount, I would be charged 14.99% interest which I thought was okay. However, to my horror, this month my interest went to 26.99%!

How is this suppose to help the average American? I am barely scrapping by and these institutions are taking us for granted and letting us bleed. Is there something that can be done? I cannot pay this amount and my credit isn't that great to begin with. I was slowly rebuilding myself back from bankruptcy. I thought I was being protected by the President Credit Card Act. Can something be done to bring my percentage back to 14.99%. My minimum payment due went from something like $23 to $77. I pay $100 per month. Never missed a payment or was late. My finance charge now is $133. This is outrageous. Help! Thanks in advance.

I have automatic bill payments set up from my bank account, just so I could make sure that my payment is made every month on time, and I don't have to worry about it. They charged me a late fee, because what they do to rob the client is based on the date that they generate the bill, then your due date automatically changes. So, instead of you having a set date, it changes.

What the supervisor told me tonight was, "I have good news for you. Due to government regulations, we now have to give you a set due date". Well, thanks for the government, I told her, otherwise they would continue to take advantage of paying clients. I need to get the late fee reversed on my account, as this reflects against my credit, and is very unfair.

It made me very upset to see that I have the bill set up to be paid automatically, and still there was no good faith on the part of the company for doing so. I had to close the account, which I have had for years, and do so at the time when having good credit is important, as I am in the midst of making a co-op purchase, which could go against me.

I have had a credit card for years with Lowe's. I have built and remodeled several houses charging and paying several thousand dollars over the years. I now owe less than $300.00 and was told they are cancelling my card because I was late on a payment. Now by late, I mean days late due to the posting of the online payment processing, I have never defaulted on any bill to anyone ever. And when it's "late", they add interest and late fees. How dumb can you be? They should be happy that I am late a few times to get more money. My payment history proves that I am not going to default on their $300.00. So now I shop at Home Depot. I encourage everyone to google GE Money Bank and read consumer complaints before engaging in any business that uses their services.

I bought a Select Comfort bed two years ago and had a promotional deal wherein I had 0% interest for a year. After a year, I got a phone call from GE Money offering me a rate of 10%, which I gladly accepted. Today, I got a letter from them telling me my rate will be going up to its "standard APR" on my next billing cycle. This letter does not tell me what the standard APR is. I called GE Money and was told that I had a special "hardship" rate, which would now go to the default rate of 29.9%. I never requested any hardship rate, which is supposedly given to people who have fallen behind in their payments. I was never behind in my payments at any time since making this purchase. The letter mentions "bringing my account balance up to date and keeping it in good standing " as well as "the efforts you have made to improve your payment history . . . " This letter makes it sound like I was in default, which I never was.

I am now going to be charged the exorbitant rate of 29.9%, supposedly because I have a history of poor credit with this company which is inaccurate. I never had a rate of 29.9% and the letter I received today does not mention any rate other than the "standard APR." While I am thankful for having a decent rate for the last year (ever since my very first payment was due on the account, since the promotion included 12 months of no-payment financing), now I am being treated like a deadbeat with such a high rate. If I had known that the 10% rate was promotional, I would have paid off the bed during this past year. But when this rate was offered to me over the telephone, no mention was ever made that it was a promotional "hardship" rate, which would revert to the default rate of 29.9% at any time.

Simply put, GE Money Bank doesn't care if you use them or don't use them and lie in wait to put a boot on your throat. They act like they are the customer and we are serving them. It must be their business model embodied in their mission statement in some fancy board room somewhere. They seem to use whatever loopholes possible to incur a late payment which starts the death spiral toward their infamous 26.99% interest rate. One of their favorites is changing the due dates in their favor without any notice or warning.

In calling customer service (I don't know why I bothered), they stated that the due date is based on the number of days in the month. Whoever heard of such? How much tea is in China in a given month? GE Money Bank, can you factor that in as well? I incurred a late payment recently simply by making a payment on the same date that I had made it the previous month. Customer service saw no problem with my late payment and appeared clueless as to why I would have a problem with it. It's a game they're playing and you don't ever want to be on the wrong side of it. They make you feel like somehow you're out of bounds and that their approach is somehow normal and acceptable. We all know that it is not. Laissez-faire economics doesn't work so well with companies like this and is a perfect example of why controls are needed.

One year no interest, one late payment, 29.90 % penalty. Thanks for passing that law, Obama.

On 02/18/10 morning, I received a call. In asking who was calling, I was met with no response to question. The female on the other end of the phone got loud and insistent that I answer her questions. I hung up. I called the number back, spoke to Jackie at GE Money Bank. This info was asked for. I told her what happened on the first call. She said she would take me off the calling list and that there is nothing that can be done about the rudeness and was rude about it. At 11:44AM, I received another call. When I said hello, I was hung up on. I called the 877 number back again. I spoke with Jessica. I told her what has been happening. She would make sure my number is off the calling list and would file a form report regarding the rude manner in which I have been treated today. She was polite.

It's upsetting (got a headache) to have people call you for another person and treat you rudely. The call wasn't for me or about me or money I owe. I have no reason to tell any no name person on the phone who I know or give any information. I used to skip trace and collect on past due bills and the hostility is not necessary or productive. Information regarding the bill should not have been divulged to me, but it was.

This past Nov. 09, I contacted their customer rep. dept to inform them I was unable to maintain the outrageous monthly payment. This was cause by my wife being unemployed since Nov.08. Their solution was an interest rate reduction from 24.99% to 10.00%. I thought this is great, but two billings later, we notice a line item charge of something called "Debt Reduction" with a payment due of $70.53 credited to my bill. Of course, they were willing to remove the illegal charge but refuse to remove the back billing for two (2) months. What are my options? Thanks for listening.

I bought baby furniture for the first grandchild on a 12 month deferred billing. I had to be out of town with delivery of my grandchild & complications kept me longer than expected. I was late making a payment by three days which includes a week-end & again by 1 day with payment made online on weekend being out of town. I called to make sure there was no change in my status & was informed all was intact by customer service; however, all the deferred interest for the 10 months was added to my statement unknown to me

I called customer service & was informed that I had been notified in the monthly statement I would have received if I were in town.They smugly asked if I would like another copy mailed to me & informed me I had not responded to opt out & this was the agreement in fine print. I am no lawyer & did not see this coming.

Let the buyer beware when using GE Money Bank. I was treated very coldly by female customer service & was so upset with her lack of desire to help me that I called back to speak with a different person only to have them read me her notes of refusal & there was no one who had any authority in person. I was told to write a letter &nothing more could be offered. I did write & was denied & told to refer to my credit card terms & conditions to avoid the 29 percent deferred interest on all months.

This is legal robbery. I will never use this credit card again & highly resent the lack of consideration given to me especially because I paid off my purchase in full according to the original agreement even making double payments three different months. GE Money Bank held to the letter & will get their 29% deferred (Ha! ) interest but they have lost me as a customer. This is a terrible demeanor of my customer service agent & she appeared to take delight in my discomfort. How many unhappy customers before you have a real live person willing to express concern & work with people? Nobody cares but me.

It is very sad that such bank is still allowed to do business in this country. I have read most of the complaints, and the more I read, the more sick to my stomach I feel.

I will start with the dentist, who seems to be associated with this Bank. On 2006 and January 2007, I had dental treatment performed, part of which has been covered by my two dental policies and part as out-of-pocket expenses upon an agreement with the dentist. I have paid as agreed up to the last penny. I have records that I have issued payments in the amount of $4,500 and the insurance issued funds to this doctor in the amount of $7,400.

Having this said, on January 2010, this doctor sends me a bill for $5000 as a balance for treatment provided in 2006 and January 2007, which on a first look, seemed to be just a erroneous statement on their end, and to which I had responded, stating clearly that I do not have anything outstanding and politely requested them to clear this amount from their system.

Upon the receipt of my letter, they even had the nerve to call me and request this non-existing overdue balance according to their calculations, at which I hung up on them, not being interested to listen after three years of the date of treatment to anything they had to say. Just to clarify here, upon the last visit in January 2007, I had everything settled with this doctor, and there were neither any phone calls nor bills sent to me within this past 3 years (not that I had expected any, but I'm stating this just as a fact).

At this point, GE Money Bank, through their CareCredit business, became a factor. Out of $4400, which were my out-of-pocket expenses, I had paid $2260 via this credit card, which I was lured to apply for by this dentist while going for treatment. There was a 12-month interest-free promotion on this card, so that's why I had accepted their business. I had paid the full amount within 8 months, so there was no way they would get me down for any interest or any finance charges.

After reading all the statements on this forum, I do consider my self very lucky here. However, it never crossed my mind to cancel this card, and I had never used since. And that was a big mistake, because, upon my letter to the dentist's office in January 2010 responding to their inaccurate billing, this office had contacted customer support at CareCredit, which (and this is mind-boggling to me) gave them the green light to charge my credit card in their file for treatment provided, even prior to the date when this credit card account has been opened. (Not that I owe anybody anything, but hypothetically speaking, even if I would, that doesn't give them the right to fraudulently charge my credit card with no consent.)

I have called their customer reps numerous times, stating that this is a fraudulent charge, and there was never a consent/authorization on my end, therefore they should cancel this transaction immediately. They were very rude and had told me to go to the police and wait 8 to 10 business days for the "dispute form" to arrive by mail, after which I could follow up into this matter.

I was even told to make sure that they will get this dispute, which I found nerve-wracking. I have sent all my correspondence with certified mail, so they had no choice and acknowledge my dispute with a letter on their own, where instead of a re-assurance that they will investigate in their customer's best interest, they warn me of "delinquency" and "action to collect" unpaid funds. They have even sent me the very first statement, which has a balance due on it!

It is so frustrating, and I'm filling complaints everywhere from the "Office of Thrift Supervision" at Washington to the "Office of Attorney General of NY" to their CEO Mark Begor to their main offices. And this is just the beginning.

They set your due date on Sat or Sun. The statement says bill is due by 5PM on the due date. Nowhere on the front or back of the statement does it say that you have to pay by 5PM, Mondays-Fridays. They have rigged my online password where it won't work. Run people. This bank is run by criminals fixing it so you can't avoid late fees. I repeat, run!

We had wood floors put in by Empire Flooring here in Dallas, TX. We used their special 0% financing for one year. Unfortunately, the company handling it is GE Money Bank. We paid off the balance in full on the days following Christmas 2009. Still to this date, February 6, 2010, we still have a full balance. We have a receipt from our bank showing the check cleared on 1/5/2010, but GE Money Bank can't seem to find the check! They asked me (in the best English they could master) to fax photocopy of the check they cleared! I have called 4 different times and all they can say is "that is not enough time for us to resolve this problem, please wait 30 days" (Indian accent).

What a scam! I will never do business with any company using GE Money Bank ever again. Today, I asked to speak to a supervisor and "voila", the check is there! Don't they talk to each other there? Maybe they have a hard time understanding themselves as much as we do them! How can each rep not know the check was there? Why does it take speaking to a supervisor to clear up the problem? The supervisor, who was obviously American, thank goodness, said it should be cleared up in 3-5 business days. Right now, our account is 0% APR but the deferred finance charge is up to $1000.59 and due takes affect in April! If GE Money Bank screws around much longer, I will have to deal with that too!

I have not been able to work very much due to a physical condition and after Chase raised my minimum to 5% (from $358 in July to $950 in August) and Sear's card raised my interest from 8.9 to 21.47 also resulting in a higher payment. I was not able to make payments the following month after making the larger payments in August. I am keeping in contact with four credit card companies that are affected by my situation and keeping them updated, hoping to avoid being forced to file bankruptcy.

I refrained from using any of my other credit cards for the next three months. I had a zero balance on all cards except the four I am attempting to work with. However, GE Money Bank cancelled my Lowe's credit card although I had never been late or missed a payment with them. They also reduced my PayPal credit limit from $1000 to $100. I had zero balances on both cards. I was afraid they would close my Meijer credit card too so I used it for gas hoping to keep it open. I paid the full amount due of $43.94 when it was due. I then started using it for small food and gas purchases. I checked online to make sure everything was okay and then made another purchase of about $11 on January 4th. On the 5th, they reduced my credit limit to $200 (from $5,000) which was lower than my current balance! There was no excuse for them to do this as I had just paid the bill in full the previous month and had never been late or missed a payment on any of their accounts.

I called customer service and the nice male rep I talked to couldn't really do much but he did say he would give me a credit to make it equal to the balance (rather than over the credit limit.) Unfortunately, he made the credit for $5 and the amount over was $5.40. I called back the next day after I saw online that I was still over my limit by 40 cents. I got nowhere and was finally transferred to a supervisor. I was very irate about them reducing my limit and making it appear that I went over my limit and stated that it was bad enough that they made it look like I maxed out the card. There was no excuse for them doing that. She arrogantly stated, "We can do anything we want" and said when I make a payment it won't be over the limit then.

I then went to the Better Business Bureau website in their area to see if there were other complaints. Yes, over 6,000 of them and most of them had not been resolved to the customer's satisfaction yet they give GE Money Bank an A+ rating! They even made an excuse for the high number of complaints saying that there are millions of cardholders, etc. It is just as I suspected, the BBB protects whoever pays them. They are basically "buying" a good rating.

I did not bother filing a complaint because they obviously have no credibility and are deliberately misleading consumers by giving GE Money Bank the highest possible rating in spite of their widespread abusive behavior. My 40 years of perfect credit was destroyed in two months because of the actions of the other credit card companies. They either made the payments so high I couldn't afford them or the interest so high it would be impossible to ever pay off, all with no wrongdoing on my part. They did the same thing to other cardholders with good credit but high balances.

But the store cards were in no danger as I never carried a balance with them. This is why universal default should be banned. I'd like to strangle the idiot who voted against the law taking effect December 1st instead of Feb. 22 which is too late to do anyone any good. Just so you know, you are not eligible for any hardship program if you are really having a hardship. You have to have a sizable and steady income to "qualify" to get your payments reduced to what they were before they raised them. If you are off work due to surgery, cancer or other circumstances and have little or no income they will not accept lower payments or freeze your account temporarily. They would rather get nothing at all than a lower payment, which is asinine.

What GE Money Bank has done is make it impossible for me to survive a temporary situation by shutting down the cards that were in no danger of being defaulted on. I have no credit available for emergencies and they have also done further damage to my credit score by closing the Lowe's account (50 points) that I wasn't even using, drastically reducing my limit on another card I wasn't using and reducing my credit limit to lower than my balance on the card that I have always used for gas and food (Meijer)and other emergencies but always paid in full every month. I have been living without heat all winter because I have no way to afford fixing my furnace and two days ago, my pipes froze.

I hate GE Money Bank even more than Chase right now. I also can't afford an attorney to file bankruptcy because they demand every penny upfront before they will even lift a finger to do anything which makes me doubt that they would act in my best interest anyway since they have made it clear that it is "all about them". I qualified for legal aid but then they said they didn't have an attorney they could assign me. So this is what everyone can look forward to if they have a car accident, cancer or are simply unemployed for a while-- your cards getting cancelled. And by the way, there is no help from the government (public assistance) either if you don't have any children. So this is how people get into debt in the first place. When credit card companies raise their payments higher than someone's monthly income, don't they realize this is going to cause them to file bankruptcy against their will?

I received a promotion for purchasing of mattresses at Sleepys, financed two mattresses at a cost of $5000.00. The promotion was interest free financing for three years. Two payments were late, one was one day late and the other, two days late. The payment two days late was received over a weekend. During the later part of December, I realized we had not received our statement that would be due 12/13. I went to the Sleepys store to see if I could find out anything.

The manager gave me a phone number to call which we did. Our address on your system was our physical address, which is 1 Pond Alley and our post office does not always deliver to this address. At this time we corrected to our PO Box address with the representative. We then found out that our promotional rate had been terminated. So we now owed more than when we originally financed the mattresses which was $5092.00 due to being charged finance charge of $683.72.

We have called and talked to rude representatives twice and cold-hearted supervisors twice, totally unwilling to work with us. I paid $284.00 on 12/30 to get us back to where we should be, but GE Money will not reinstate our promotion. We have the funds to make our payments monthly. I understand that they do not process payments on weekends so I feel we should not be considered two days late just because you don't process on a weekend. This would initially make us one day late on one payment. The November bill with the due date of 12/13 was lost in the mail and we are being penalized for this as well. I did go to the store to find out what was going on with the non-receipt of this statement.

We have tried to explain this as well, but no one seems to want to listen and prefer to kick us out of the promotion. This is my last try to get someone's attention. I also wrote a letter but of course I never received a response. If this doesn't work, we will pay this loan off and refinance elsewhere. But believe me, we will never ever become involved with GE financing again and I will certainly warn as many people as I can. Their customer service people suck. We had to wait over 25 minutes just to get to talk to someone and were met with, basically, rude, stupid people. I have committed to their representative to pay our bills well in advance of the due date after this fiasco. So, would someone please reconsider and re-initiate our promotional fee of 0% interest? Please advise.

I received 9 telephone calls in their attempt to collect a debt from someone else not at my residence. They have been told their target does not live at my house and that they need to stop calling.

QVC sold their accounts to GE Bank a while back. My interest rate went from 7.0 something to 10. something. Not good, but tolerable. I just got notice that my interest rate has now gone from 10 something to 19 something. Totally unacceptable. I called the bank to negotiate a lower rate because I am a long-time customer and spend a lot of money at QVC. I was told by Jessica that there is no one anywhere at GE Bank authorized to negotiate interest rates. I've never heard of such a thing. I will no longer do business with QVC at the level I was. I will avoid doing any business with them.

I purchased a motorcycle form RideNow Powersports in Orlando, FL that was financed by GE money for which my payments were $125. I have been paying that amount every month like clock work for the past year. Now, they took me off the special with no notice, and now, for the past hours, I've been getting the runaround. And I was told that I would getting a letter in writing of any changes were to take place to my account and that never happened. And I know three people this same thing has happen to. it's fraud to sell stuff and ruin your credit.

On June 2009, GE Money contacted me to make a payment on my account over the phone. I made the payment that was request by the Customer service Representative. He never mentioned that there was a fee of 10 dollars for such service. Then, I realized that,= I did not supposed to make any payment on the account until 2010, based on what was stipulated on the contract I have previously signed.

I called GE immediately and explained the situation. We made a settlement based on what was already stipulated on the contract. During that time, GE never mentioned anything regarding a fee on the account. On late September, they started harassing me, calling at my home, work and cell phone. I asked what this claim was about, and they said that was because I made a payment over the phone back on June. I told them why I was not notified during the settlement process. In addition, when I was making the payment over the phone, I was never informed that there was a fee for the service. The Customer Representative said he would take care of the problem.

Then, I received another call from GE again claiming a debt. I informed the Representative that I was told that they would take care of the problem. The Customer service representative informed me that this claim was related to a security debt protection program that I asked to be added on the account. I told the Representative that I have never asked for that service. The representative gave me an 1800 number to cancel the service. When I contacted the program, I was informed that they could not find my name in their record. I contacted GE immediately and informed the representative of the situation. As a result, he went back to the original story that the claim was relate to a payment that I have made over the phone. I refused to make any payments since this whole situation seems very shady and devious.

GE keeps calling me, I have explained the situation to each representative and no one seems to understand. This is very frustrating. I need help please, if you can get somebody to contact me and advise me what to do, I will really appreciate it. Thank you for your appreciation on this matter.

We received one of their credit cards that had one year interest free. Due to our forgetting to send in two payments on time, they canceled our interest free account and charged us 23% plus interest from the beginning. We try our best to pay any account we have properly, but as we get older, sometimes we forget. Both of the late payments were only three or four days late. We feel shafted. We live on social security and this will cause a terrible hardship. Please help if you can.

In 2007, I purchased a 40 gallon gas GE Sensor Plus water heater from Home Depot. I originally had a friend who was a master plumber who was going to install. The pilot light would not stay lit. I called GE and Home Depot. Home Depot stated that the only way the manufacturer's warranty would be honored was if their installers came out and installed the appliance. It has worked until the last several weeks, where it has began to leak water rather profusely from the base of the unit.

I called the Extended warranty folks. They came out asap. ARS Plumbing told me that it was a piece of ** and needed to be replaced and that the warranty that I had did not cover it. Then I was to go back to Home Depot to have them honor the manufacturer's warranty for replacement. So here I sit waiting for the original installers to call me. Does anyone honor the warranty on these units?

I have had an account with Care Credit for I think going on two years. Last month, my statement reflected a late fee of $39.99. I contacted a rep from Care Credit and it was agreed upon that I should not have been charged a late fee. The following month, statement showed a credit for the $39.99 but also showed that my promotional expiration date had been terminated. When I called to look into this, I was told it was because I had three late payments. The first late fee was because I didn't receive a statement before the payment was due and the second was because I emailed my payment on the due date, but because it was not received by 5 pm eastern standard time ,it was late.

Anyway, I called and spoke with someone about this supposedly "3rd" late fee and now my promotional expiration was terminated and deferred interest fees of $1,000 had been added onto my account. I explained that the rep I spoke with earlier in the month had even said I was not late and that the $39.99 fee had been credited back to my account. This "escalation specialist" said that the lady was in error and basically, I was out of luck and too bad. She had a very rude attitude. After hanging up the phone, I was furious for the attitude. I have never been habitually late in my payments, which my records should clearly indicate, but to be treated as if I were a felon and should have made my payments on time, absolutely infuriated me.

I called back and was on hold 30 minutes before speaking to another "escalation specialist." I spoke with Lisa ext. xxxxx and after explaining my situation (she also had an attitude) I asked her if I paid the account off that day, what the payoff amount would be (12/8). She quoted me $2,687.61 and that it had to be paid off by 5 EST. By that time, it was 4EST. When I got off the phone, it clicked that she didn't waive the $1,000 fee just a portion of it. I called back and again was put on hold 30 minutes. I asked to speak to Lisa, which of course they could not transfer me to her. I explained what had just happened with my conversation with Lisa, to another "escalation specialist".

After looking at the typed information Lisa had put on my account file, the again "very rude" man said that Lisa was doing me a favor and the amount she quoted me was deducting half of my interest fee of approx $1,000. This man said he could do nothing about it and by the time I got off the phone, I didn't have time to make the payment by 5EST. Lisa never once said the $2,687.61 was including half of the interest fees. Why should I be charged any of the $1,000 finance charge fee (or interest fee). I have called and spoke with at least five "escalation specialists" and they were all rude, could not do anything about my situation, didn't give a *** attitude. I will not let this rest until something is done. This is injustice and the people that represent Care Credit (GE) should be ashamed of the way they treat customers. I happened to go on the internet to look at complaints about Care Credit (which I wish I would have done prior to using their service) and it is unbelievable the number of people who have been treated the same as I have.

An over limit fee of $29 on an invoice of $148.34 and a ridiculous credit limit of $124. Are you kidding? My credit score is 785 and I have credit limits of $7,500-$12,000 with other credit card companies that are paid in full each month. I asked them to remove the fee and up my limit. It's the principal of the matter. The damage is they will lose my account.

I have a J.C. Penney retail card backed by GE Money Bank. Up until last May, the account had a zero balance for at least a year. I made a purchase of $250.00 in May, which processed with no problem. I can't recall the credit limit initially set for this account; however, I am certain that it adequately covered the charged amount. Two weeks after the said purchase, I received a letter from JCP/GEMB limiting the credit limit to the then outstanding balance (e.g. $250.00). I noticed that they were reducing the credit available amount after each payment cycle. I wasn't using the card, so I knew that there weren't any additional charges being made.

To confirm my suspicion, I made minimum payments of $15.00 for three consecutive months. Each cycle, they lowered my credit limit by $15.00. I promptly paid the outstanding balance and closed the account. I am beyond amazed at the gross tactics these institutions are using. When the economy rebounds, it will be a day of reckoning for the fortunate consumers who were able to stay afloat and who were treated so poorly. GEMB has not contacted me in any form regarding additional changes made to this account. As it stands, my JCP credit limit dropped to $250.00 after a single purchase within two years. As of closing date, 01/12/2010, the credit available was $42.00.

On my behalf, I sent GE Money Bank a payment of $533.85 in May 2009 to inform them that I wanted to show them that I am a valuable customer.

When receiving a statement from GE Money Bank, I noticed that I was getting charged finance charges of $19.17. So I called and spoke with a customer service representative where I found out the promotion had been terminated because of the first two payments that were missed. I was trying to explain to the customer service representative in a professional manner that I was sorry for letting the situation happen. When speaking to this representative about the situation, I felt I was spoken to in an unprofessional manner and was not pleased with the customer service I received.

So I am writing to you concerning how the situation was handled after speaking with three different customer service representatives. In order for this not to affect my credit, I would be pleased if this situation can be cleared from my account with GE Money Bank.

I opened up an account with GE Money Bank through Lenscrafters. I was in college and tight on money, but really needed an eye exam. I am diabetic and have very bad eye sight, which needs to be monitored yearly. I went to Lenscrafters because I knew they could finance me through this credit card. Well, that was a huge mistake! Recently, I was given a $39.99 late payment in January on a very low balanced account. When I checked my statement online, it said that my minimum balance was $70 when usually it is only $18. I called customer service to ask them their logic behind the minimum balance being so high. After twenty minutes talking with the representative, she was baffled by why the minimum increased so much as well. She kept putting me on hold to talk/figure it out.

When she came back on the phone, she told me that it didn't make sense given that my balance was so low and that they had already charged my account for the late payment. She agreed that they had already punished my account twice by saying that my balance for December was higher (they tacked on the late payment and then took that total for the finance charge rate), but also added an unknown $20 to my minimum. All she could say is that she had an address I could write to with my complaint and asking them for a clearer response to the high minimum! The problem is that even if I wrote the letter and mailed it tomorrow, the chances of them receiving it and responding would be later than my next payment. So I'm lost at what to do because it's not ethical to pay into money that is just plugged into your account without any explanation, but don't want to risk getting another late payment/additional imaginary charges.

This past Friday evening, at approximately 6:30 PM, January 8, 2010, a message was left for me from GE Money, which I returned at 7:10 PM. I spoke to a woman, and was informed that my account was overdue. I informed her I did not have an account, and after a few minutes it turned out that, in fact I did. The account was for purchases made while on a cruise, that were never billed. The terms were interest free for one year, however I was never billed, so I had no idea of the bill agent or account information.

After speaking to the woman, it turned out the invoices had been returned, due to incorrect addressing and billing information used. I explained this was not my fault, we went over the address, and I provided the correct address. I was informed that the original invoice was for $3,190.00, which I agree is due the company. I was also told that the current invoice was for $4,133.61, which I do not feel I am responsible for, since it was the company's error not mine. I was told the billing would be adjusted, and I would not have to pay the interest and late fees. However, since I was not at home, and did not have access to my banking information, I agreed to return the call at a later date.

Today, Sunday, January 10, I spoke to Mr. Jack **. He informed me of the balance $4,133.61. I told him I did not believe I was responsible for late and interest fees the were of no fault of my own. I was never billed due to the company's error not mine. He put me on hold, and when he returned, he said that the bill would be reduced to $3,683.40, if I agreed to pay today. In addition, I was charged an extra $15.00 for a telephone transaction. I did, however I still do not believe I should be held responsible for the inaccurate billing practices of the company. He also asked if the billing address they had on file was my old address. I informed him I never lived at that address, and my address has not changed.

I did call back to cancel my payment, and readjust my payment, but to my misfortune, they were already closed. These are hard times, and I do believe in paying my bills, however I feel GE Money overcharged me $508.00 for an error on their part. I am requesting to cancel, and/or have the payment from account number ending in #1782, to be credited for the over-billed amount of $508.00, of which the company has charged me.

This is a follow up to a previous post that I made (I can't find it) regarding GE Moneybank lowering my credit line from 5000 to 200 after I had made a purchase that made the total balance over 200. They imposed this limit so that my balance would be more than my available credit. I had talked to someone who said he would give me a $5 credit so that it would be equal to it. However, when I checked it online today, there was still a small amount over the limit. I called and first talked to a rep and then a female supervisor who was very cocky and said, "We can do anything we want."

I have never been late or missed a payment on any accounts I had with them. They closed my Lowe's account and lowered my limit to $100 on PayPal (neither of these accounts had been used for at least 3 months and had a zero balance), and then the last straw was them pulling this with my Meijer card. I know they are doing this to a lot of people and systematically destroying the credit scores of people who have never caused them any trouble.

There should be a lawsuit filed for the damage to people's credit ratings (when they have never been late or missed a payment with them), because the credit score affects many things and can have a very detrimental effect on someone's life. Closing an account can cost you 50 points and cutting your credit line makes it appear that you are "maxed out" which further lowers your score.

They don't bother asking any questions before doing this. My "defaults" recently were because of actions taken by the credit card companies. (Chase raising payment from $358 to $950 because I had a low interest rate, and Sears card raising the interest so high for no reason that it made the payments higher and it was all interest. These happened during a time when I was having medical problems and my income was little to nothing. Neither of them will take a lower payment or freeze my payments temporarily, and I currently don't make enough to qualify for a hardship program--which was not offered to me until now, by the way.)

I now have had so much damage done to my credit score that bankruptcy cannot make it worse. What GE has done with the 3 accounts that they were not at any risk on is making it, so that I cannot survive now and not be able to rebuild my credit later because of no accounts open. Universal default is insane and should have been banned by now, not February. It is ruining people who do not want to file BK and have temporary situations.

Chase bank is raising my monthly minimum payment from $358 to $950 per month, and Sears card is raising my interest on an existing balance from 8.9 to 21.47 (with no wrongdoing on my part), which also caused my payment to be higher, and "all interest" (making it impossible to ever pay off) caused me to go into default in September/October (after making the first large payments to both in August). They picked the time when I was having medical problems to do this, and had very little income. I have never been late or missed a payment on any account in my lifetime, so they had no reason to do this to me. Both said it was not negotiable, and offered no alternatives to the increased payments. The payments they were demanding exceeded my monthly income. I thought I had no choice but bankruptcy, but later changed my mind, and I am keeping in touch with them almost daily, giving them updates on my condition and income. I am hoping to be earning enough to qualify for a hardship program soon.

I have 3 accounts with GE Moneybank, which I stopped using immediately, when I defaulted on the others. I did not want them involved if I was forced to file bankruptcy, and was hoping to keep the accounts open. They closed my Lowe's account recently, which significantly lowered my credit score even more, even though I had a good payment history with them. I then got a letter that they were decreasing my PayPal account limit from from $1,000 to $100. I never really used those accounts much, so they did not really make any impact, other than to my already damaged credit score. I then realized that "protecting" them, by not using the accounts, had backfired, and that if I wanted to keep my Meijer card, I had better start using it. I made a charge of $43.94 (for gas) to see if it still worked. When the statement came I paid it off. So I began making small charges regularly totaling $193. I checked my account, and it was still at the full credit limit ($5,000). I made one more charge for about $11.00 on 1/04. I checked my account online again and everything was fine. On 1/05, I checked it again. They had lowered my credit limit to $200, which was under my current balance, making me "over the limit"!

I immediately made a very irate phone call. There was no excuse for them lowering my credit limit below my balance. I have never been late with them on any account (had the law passed making the credit card law go into effect December 1st, instead of February, this would not have happened, because "universal default" would have been banned). The CS rep I talked to, offered to give me a $5 credit, so that I would not be over the limit, since I had been a "good" customer. However, as I explained, it still looks like I have "maxed out" my account, which will further reduce my credit score, in addition to the last 2 things they did. I have been trying very hard not to file bankruptcy. This was really none of GE Money Bank's business, and they could have called to ask what was going on, if they had any concerns, especially since they were at no risk, because I was not using their accounts.

The Meijer card is the card I used the most (out of all of my credit cards), and shopped there the most. That is history now. I will never shop at Meijer, Lowe's, or use PayPal again. At least, not until they get someone else to manage their credit card accounts. I told the rep that all of these stores are going to lose business, because of them, I already know they have been closing other people's accounts, and cutting their credit lines, with no wrongdoing on their part. In the meantime they are severely damaging the credit scores of people, who have never been late or missed a payment with them. They have pounded the final nail in my coffin now, as they have made it impossible for me to survive in this temporary situation. I have no heat because my furnace does not work, which was bad enough, but I now have no access to any credit at all, which means no food, gas, or anything else. 40 years of perfect credit have been destroyed in 2 months. Because of their action, my score cannot get any lower, so I might as well just give up, and file bankruptcy.

My minimum payment was 26.00. I was paying 40 every month. On month, I paid the bill early and it was applied to the previous month. When I received my bill it was saying that I had missed a payment. I called customer service the representative told me she saw the error, explained that I should always wait til after the 3rd of the month before submitting my payment.

The very next day, the company was calling my house wanting a $50.00 late payment. I made the late payment just to stop the calls. Now, I have received my bill with a finance charge of 193.62 saying I missed a payment and my promotional period has been terminated. The annual interest rate is 29.99%.

I called the company to dispute this and they are stating that there is nothing they can do because a payment was missed and this was in the terms and conditions. Actually a payment was not missed, I paid it too early. The representative on the phone kept saying you missed a payment and you didn't agree to the terms. They are robbing people. I am being penalized for making a payment too early. This is absolutely ridiculous and should be against the law. Times are hard enough with companies trying to rob you. I had my bill down to 705.99 and now it is back up to 859.61 which may not seem like a lot to, but when you are doing the best you can to get bills paid off and keep your credit clean; its really frustrating when you have companies like this who try to get every penny they can whether legal or illegal.

Received a letter in the mail indicating that our credit limit on our account had been reduced due to "new information from a recent credit check." I called and talked to several people about this situation and eventually ended up speaking with Bhuna (at lenght). I informed her that our home loan is currently being reorganized and that this is the reason for the credit issue and that it is a temporary issue.

I also informed her that we have never missed a single payment on this credit card and infact have paid 3-5 times the amount required each month since we got this card. She informed me that "we, as a bank, can raise or lower credit limits on demand." I informed her that this is negatively affecting my credit rating further by her doing this and asked again for our previous credit limit to be reinstated. She refused and refused to allow me to speak with her direct superior and refused their name. This person also refused to provide her last name after numerous requests and only would provide me with an I.D. number. The economic damage that has resulted from this is a "ding" to my husband's credit rating. This card was always paid on time and in extreme excess of what was due each month. Our credit rating with this company was stellar. There is absolutely no reason for them to have lowered our credit limit knowing this information.

On November 9, I paid $75.00 via my bank's online bill payment service. I received a statement in December with late fee of $39.99; checked with my bank and was told that GE rejected the payment. I figured this was a fluke since I have paid this way previously. On December 9, I paid $75.00 via online again. The payment is rejected again and I was charged another $39.99 late fee.

On January 5, I called Customer Service and was told they had no record of payments being rejected. They received my payment after the December 12 due date. I disputed and told them I had paperwork from my bank. I asked for the 2 late fees to be removed and the account closed. I would pay the balance off today via a check in the mail. GE said they would credit me $20. I said that was unacceptable. They transferred me to an escalation specialist at 12 noon, I've been on hold for 40 mins.

I hung up and tried again at 1pm. I explained to CS my problem and asked to be transferred to a person. I was transferred again to an escalation specialist, I am on hold at this moment. Twenty three minutes later, I was told they would credit me the first $39.99 and that was it - CS was extremely nasty. My complaint is that they are being fraudulent with this practice. In addition, the first time I tried to make a payment I did it with their CS rep and the money was taken from my account to show up again 6 days later as rejected.

This was a no interest/no payment account so I paid the balance before that hit but it was rejected so when I received the statement, it had $900 interest. I have closed the account but I truly belevee their practices are fraudulent.

I had no problems with GE Money Bank until my November 2009 statement that read I owed $643.33 more than what my balance was. I immediately called GE Money and they notified me that any introductory offer that was made available to me had been cancelled because I was late in paying two times. My offer was no interest for 18 months. So not only was I charged a $39.99 late payment fee but I was also charged an entire year's worth of interest in a single transaction on my $2,533.69 balance. The interest ranges from 24-29%. I was late on the payments because I opted for paperless bills and I was unaccustomed to looking for my bill in that manner. I accepted the late fees since it was my fault I did not pay on time; however, I was paying. But to put the burden of an entire year's worth of interest at up to 29% interest is just cruel, irresponsible and clearly an abuse on consumers.

I asked to negotiate this and they simply refuse or ignore my written request. The people on the phone say they can't do anything and ask that I write a letter. When I did that, I just got a response saying the promotion was discontinued. The other frustrating part is that I received a call from someone in collection telling me that I was late and if I could pay. I actually appreciated the call and made a payment over the phone. They could have warned me about what was about to happen in my next statement so that I could have done something to avoid it but they did not.Their unwillingness to even discuss the matter is frustrating since I am someone with a good credit score and just had to get accustomed to the paperless billing. I urge consumers not to use GE Money as they really take advantage of consumers. When something goes wrong you are left without anywhere to turn.

I made a late payment on my account in July 2008, Sept 2008, and Dec 2008. After the first late payment in addition to getting a late fee, my credit limit was cut by $800. Then my interest rate was raised for the second late payment and $200 in interest added to my account for the termination of a promotional balance that was about to expire in six weeks was added for the third late payment.

I have never missed a payment, just paid later in the day or a few days late. I have read the fine print on my statement, and it only says that the interest rate could be increased. There's nothing about ending a promotional balance for late payment. All of this happened in addition to them not properly applying my payment to purchases and adding on hundreds of dollars in interest to my account in the beginning of 2008.

What can I do to dispute all of the interest charges that were not due to my interest rate being raised? I take two steps forward and am knocked back 10 steps. It seems like I will never pay off my account, and that's all I want to do.

I was charged $39.99 when I paid my entire bill on the 30th, because it was due on the 28th. I called and complained, but no one can override the system, because it does not allow an override. So, supervisors have no authority and cannot help. I never received my statement, and I had paid my previous payment on the first. Online, the statement is not visible easily, so it is easy to miss the due date which is not listed on PayPal homepage. The payment only appears after it is due.

I purchased a bed from Sleepy's on 5/26/09 with free interest for one year. Sleepy's told me I would get an invoice when the first payment was due. On 7/26/09, I got a late notice from GE saying I have not paid the bill. I never got a bill for the first payment, so I called Sleepy's who said I had to call GE Money.

I called GE Money who tried to get my credit card info which I declined. I asked them to send me a bill or give me an account number, so I could pay online through my bank. They refused to give me an account number and said I would owe late fees, unless I gave them my credit card number on the phone. I refused and told them to send me the bill which was late coming to me.

I then scheduled a payment through my bank for what I thought would be above what was due ($85.00) and noted my name and address on the payee information. I received the payment back, as the bank said GE Money would not accept it. On 8/4, I received the bill in the mail. Indeed they added $39.99 for late fees.

I then paid the $85.00 due on 8/6/2009 and then thought about it and paid the bed off complete on 8/13/2009. Sure enough on 9/4, 10/4, and 11/4, I kept getting late fee notices and argued with GE and Sleepy's about this. Sleepy's said that it was not their problem they got paid from GE. GE did refund me for the first $39.99 late fee, but then they charged me an additional approx. $170.00 in the end.

As of today 1/4/2010, I have paid $208.24 over what the bed cost. I have only paid this, because I cannot get anyone to help me beyond getting the original $39.99 refunded, and I do not want this having any affect on my great credit score.

On Dec. 6, 2009, I applied in Sam's Club for a Discover credit card. They offered a $40 gift card for applying. I received gobs of misinformation regarding the offer, so it took them one and a half hours to make it right. But that's another whole story. Sam's approved the card right then, and I charged a $40 membership to Sam's and an $80 (because you had to charge $100 on the first charge to get the $40 gift card). Three days later, on December 9, Discover closed the billing cycle and sent me a bill for $192.21, with no explanation of the charges.

I called GE Money Bank and asked Maica why the big bill. She said that they upgraded my membership to the "plus" status and that was an extra $64.13. I told her to get it off immediately. She said that she would. I also told her I thought it was illegal to have less than 30 days in a billing cycle, and I wanted that fixed. She gave me a very illogical explanation of why there were only three days in the first billing cycle. I asked to speak to her supervisor.

Next was Amber. She refused to fix the billing cycle. I asked to speak to her supervisor. Next was Carolyn. I gave her the choice of fixing the billing cycle, or cancelling the card. She refused, saying that it was randomly generated and had already gone out and, therefore, couldn't be fixed. So, I told her to cancel the card immediately. They locked the account online so I couldn't pay the bill. So, I had to go back to Sam's with a debit card to pay the bill. That took another one and a half hours. For the next seven days, GE's auto phone system said that I had a balance of $192.21 (with several other incorrect variable amounts mixed in the recordings) even though it clearly states, "It may take as long as 48 hours to update your balance!"

I was under the impression that I would pay zero interest until the end of the promotion. I did not know that all the money I have been paying about 12 months totaling about $1,200 would not go towards my balance to lower the principal amount and in addition, would be charged huge fees accumulating over the months if I did not pay off the balance.

Why would I pay $1,500 ($1,200 + $300 added to the $3,000 initially borrowed over a 12-month period) to borrow $3,000 over a 12-month period with good credit? I explained this to an Escalation Specialist/Supervisor and called this ridiculous. He told me that this was a fact and I signed the paperwork. (Most "no interest" in 12 months don't start the interest until after the 12th month).

I tried to negotiate paying off the balance in December, the same month the promotion ended, without the ridiculous/unreasonable fees. The representative was not willing to settle. I work hard, have great credit and want to do right; however, like most hardworking people, who wants to be ripped off or taken advantage of? Thanks.

Equifax sent me a letter stating that from past records of accounts, they(equifax) is lowering the limit on my Lowes hdw. account. account remains open but cap is lower. i have had a Lowes account for years but i will never purchase a single item from them again. Equifax (business world lord and redeemer) is totally wrong on this one. Both Equifax ceo and Lowes ceo can wipe their butts with that report or i will be happy to assist them. I will use mt Home Depot account, which i pay off each year, more now.

Well, it is not right to do this. It is making me pay over another payment for that interest. I have payed it off with another credit card as I will be incruing interest as long as I pay on this bill. I don't have the money to pay the whole thing off as this time. I am retired and my husband is a school teacher. We don't make a whole lot of money. I feel as this is stealing from me.

Last year I fell behind in my monthly payments to GE Money Bank on my Care Credeit Account. I spoke with somone in the Customer Service Department and they gave me a verbal agreement to make 3 consecutive payments and then the account would be current with no late fees and they would reduce the interest rate.

I made the 3 payments as agreed; I continued to receive phone calls about the delinquent account and apparently the customer servic representative that I originally spoke with never entered the agreement into the account records and just said whatever in order to get the payments. Since then I have made several attempts; to try to resolve this account; I have called and sent letters and no one is willing to work with me.

I believe that GE Money is discriminating against me because I am Hispanic. I am making one final attempt to resolve the account; I am sending a certified letter along with a check representing the first payment of my offer. I am hoping that they will accept this and offer a repayment program that is ammicable to both parties. I would like nothing more than to resolve this situation.

My credit profile is damaged and even though I realize that I am deliquent with this account I have made every effort to resolve this matter. It is very stressful when a company is not willing to work with you.

When my cat nearly died and I had $4000 in vet bills, I signed up for a Care Credit account. This was on Nov. 17, 2009. I was told by the vet's office that the card would give me three months without payments and then I would begin to accrue interest if I didn't start paying off the bill.

When I did look at the notice, I discovered that I had already missed my first payment, which was due Dec. 13, less than a month after the day when at 7 p.m. I signed up for the card.

I called the company and had a woman tell me that the company operates on a 25-day billing cycle and that my payment was normal. I called back again (the first woman -- named Carmelica and out of Arizona -- told me she didn't have to deal with customer complaints first thing in the morning and hung up on me); the second woman deleted my $40 late fee (this was four days after the last day the bill was due) and I said I would pay the whole thing off.

Since then, I have received on average two phone calls per day from this company. I have not spoken to anyone. This is my first experience with this kind of company and I find its entire business practice and my association with them extremely unsettling.

i am an online college student. i have a walmart prepaid visa card loaded and it needs to be reloaded again since this bank is decling my debit card.

I received a letter from this unprofessional person demanding that I close my discount tire account because of two missed payments, which I promptly paid as soon as I was aware of the situation. I have had this account for a longer time. I do not like being strong armed by what sounded like a loan shark with brass knuckles. They have lousy customer service with people who do not speak English. I have reported this bank and person to the American Banking Association.

Never again will I use Ge money. Bassett Furniture uses them. I had 3 year no interestfor 1000. I thought why not. I set up an automatic pay to pay the 30$ a month. I could have paid bill off but I like hte no interest loan and keep my money invested. I hadit on an automatic pay. I set it up to pay before due date. Due to a holiday one payment went in late. I got charged the 39.99 /rate went to 24.99% and my payments went to 50$ a month. I would have paid over 300$ in interest. Tried callinbg them to no avail.

So I took the 1000$ i bought minus the payments I made and paid the remaining balance on the 1000 dollars I owed. My balance will be the late fee and the interest. I will not pay it : ) I ams so happy I figured this out in the beginning. I have a plan. Awhen they call..I will put the phone on speaker and never talk : ). I will return their mail without opening : ) I dont care what it does to my cr3edit..cause it does disappear. I pay cash for everything..so I dont care about the credit score ..I have everything and I will just pay cash....I cant wait til the first time they call....

everyone on this board is corrext.

If you are late once....you will pay hundreds in interest. So if you have a ge card and it says due dateis 15th--make sure you have your autopay to pay them 15 days ahead of time. I have great credit and have never had any problems. I always have everything on autopay not to be late..this is the first time I got dinged ...shame on you!!

These people are shylocks. I was told this was an interest free loan for a year so put my dental charges on it. I set my automatic bank payment service to get it paid off in a year. No one tells you that this company does not allow even one day's grace period. After the payment was two days late, they terminated the "promotion" and began charging 29.9% interest!! They do not negoitate and are incredibly nasty. Please tell all the dentists and doctors to tell their patients about the no grace period on payments and what the horrendous consequences will be.

At the request of QVC one Cooks Essentials Pressure Cooker returned to QVC on 10 /13/2009 and was recorded as received. FedexTracking # 937380710003870 QVC Recall order # 3136280952 for Rosemary R. (now deceased 12/04/2009). Initial QVC card issued to John R. Jr. Deceased 04/29/2006 Rosemary was his wife. QVC said check for $185.52 had been issued to John and sent to his address at Newark, Oh 43055. This is QVC Policy of Refunds to go to card holder.

QVC and GE Money Bank notified of members death many times by phone. Last recorded in my notes to Jerry T. QVC team #460 in San Antonio, TX on 12/04/2009. Problems; Address was incorrect. Initial QVC Card Holder John R. Deceased 04/29/2006. Rosemary R. (widow) assigned her sister Janet N. to process refund in October 2009. Due to the many mistakes made over the past 90 days Rosemary has passed.

Janet past POA for Rosemary until Rosemary expired 12/04/2009.

Expenses for Rosemary's funeral and other items have been shared by all of her friends and family. We hope your consideration for the refund to Rosemary's estate will be a positive one. If we can answer any questions on this matter please phone me.

I had some teeth pulled and they put in dentures. I have to pay 60.00 a month. I got behind but caught up and now they are refinancing and adding more than the dentures and late pymts of 40.00. I told them I could pay 60.00- no late charges and no refinancing. Now they call 10-15 times a day even after 9pm at night. I am tired of there games and I am paying what I can and afford. This is stupid and a rip off. Can you help me??

I was about to make a payment online to my Care Credit (GE Money) account and noticed I had a late fee. I am NEVER late on my payments. I purposely make multiple payments each month to get my bill down faster. Since I make multiple payments, my bill is always showing that Im paid ahead and I owe zero, but I still make payments twice a month (one at the beginning and once at the end). After reviewing my payment history I found out that I had been charged TWICE this year for late fees ($29.99 each)! I called to talk to customer service about the fees and I was put through to the VERY arrogant and rude Justin who was an escalation specialist.

No matter how many ways I tried to explain the situation he would not listen. I was also charged a $15.00 fee in addition to the $29.99 late fee for "THE ACT OF INCURRING A LATE CHARGE". I have never heard of such fees! So I asked Justin if all of my multiple monthly payments dont count towards the next months bill, then the extra payment should be considered principal only, to which he disagreed. This company is in no way professional and does not follow procedure. I was never notified of any such charges such as the "THE ACT OF INCURRING A LATE CHARGE". I tried to talk to someone above Justin and all he said was "THERE IS NO ONE HIGHER UP THAN ME". All I want is to be refunded for my so-called late fees.

I received a statement indicating I had paid $30 short of the payoff. After reviewing the cleared check hand written portion the amount was true and accurate. I learned that a keypunch error on their part was the result of the discrepency and re-issued the check via certified mail. G E Money received the check stamped by a Rafael R. on December 8,2009.

I also checked the USPS system for further verification of the date of receipt. On December 16, 2009 the check had still not cleared the bank and we received a bill for the short payment not due to me, but a clerical error and a finance charge.

I called to rectify the situation again, with all proof my first call resulted in their staff not seeing notations on the previous conversation and referred them to their phone recording for quality customer service. After being on hold for about 10 minutes the line disconnected and called again the next day.

Stress over the fact that I could still be held responsible for accruing finance charges and if not paid have an effect on my credit forever explaining this situation over a keypunch error by G E Money Bank Staff and the unfairness that they are placing on this situation.

I am being charged for a Credit Card Security Dues of $45.00. My account with Wal-Mart has been closed as of August 2007. I received a bill the early part of November saying I owe the above amount. I don't have a Credit Card from Wal-mart any more. I would like your help in clearing this up and having it removed from my Credit Report.

I was accidently delinquent on one payment and they didn't send me a bill for another. Sandie sent me a letter saying that unless I closed my account, the delinquency rate would apply. I immediate did this. They suck.

In september 2009 I made a payment 4 days too early because my wife was in a hospital two hours in intensive care and I was leaving to stay with her at the hospital. Never missed a payment but paid that months payment too early. because of this I have been charged a late fee each month, and have called them each month fighting to get the bill back to the normal 51 dollar payment. Last month (November) I was told that if I pay 84 dollars in November and 94 dollars in December I would catch up with no additional fees.

Low and Behold I receive my December bill not only have they added a 39 dollar late fee, but they also added a 15 dollar charge for I have no idea what. They also show a balance due of 184 dollars instead of the 94 dollars agreed upon. They should not charge outrages fees and penalties for a customer that has never missed a payment. My only decrepancy is that I made a payment 4 days early due to a family emergency, furthermore every attempt to remedy the problem has meet failure, because they do not stick to agreements they make. I beleive they purposly create hardships at every opertunity in order to aquire extra funds EX late fees.

My husband had been in failing health, suffering from dementia. As a result of his dementia he left business and household bill unpaid. I received a letter from GE Money Bank regarding a line of credit, I was desperate and thought this was the answer. I took the loan, made my payments for before they were due for two years. The had given me a APR of 12.99% initally. I then received a letter in the mail that due to downturn in the economy they were not making money and they were increasing my interest rate to 38.99% they also increased my monthly payments. During this time my husband had to go into a skilled nursing facility and my income became more limited. I was unable to pay them, they didn't offer me hardship deal, they are suing me.

I was late on my payment in April, so they told me I had to pay 200.00 a week to get it caught up. I agreed to have it taken out of account in May. I agreed to do the electronic pay, so I filled out the paperwork for it to start in June. The due date came, and it did not get taken out, so I called and they said they did not receive the paperwork. So I paid it myself, along with a late fee, and sent the paper work again. July, it still did not come out, and again, they said they did not get my paperwork. This has gone on thru November, each with late fees. I called and asked what was going on, and the lady I talked to, said she would waive the late fees. So, I thought I was ok, then I get a call at 9:00 pm on Dec. 1, and a lady is telling me I have to pay 245.00 to get caught up. My payment is 163.00, so the rest is late fees. This lady said the fees cannot be waived, so the fees are added back on. I feel like I am being scammed, and my money is going no where, and the account is getting ate up by fees.

Today I received a phone call from Zwicker & Associates (collection agency) stating that my GEMB/Old Navy account was just handed over to them?!!? When I called GEMB, they first stated that they were paid by NCO on Nov 4 and that it would take 30 days for the payment to take effect to which I replied it has already been 33 days . . . I was then transferred to the collections floor supervisor who said that they received payment on 10/6/09 and didnt know where the other person came up with the date of 11/4. GEMB claimed that they closed the account in October (LIE my credit report shows that I am still 120 past due as of 12/7!) and that they have not made any inquiries to my credit report since then (another LIE, they have made 6 negative reports on my credit as well as a hard inquiry since they received the payment and in turn, my credit score has dropped 50 points in the last month and a half). GEMB denies handing the account over to Zwicker & Associates for collection while Zwicker says that they did.

This debt has consumed so much of my life already and thought it was over when the settlement went through back in August but I was wrong. Representatives from GEMB have played the system so they are always on the verge of violating the FDCPA but never do. The collection agencies they pass the account on to, NCO in particular, have absolutely violated the FDCPA and have made me cry several times. Now I feel that GEMB themselves have finally crossed the line. Of course I have no money to pay for a lawyer that could go after them and most definitely win so I am left with no other option than to sit here and vent to a website. . . how fair is that?

In August 2008 I signed a contract with Sleepy's for a mattress that cost 1900.00(Tempurpedic). They used GE Money Bank to finance it at $53.00 per month. In September of 2009, I received an automated phone call. After calling them (in India) someone said my payment of $53.00 was considered a late payment and they added $15.00 to that and now I have to pay $68.00 per month.

My contract stated that I do not have to pay finance charges if the amount is paid up by 2011. I told them that and asked to speak to someone in the States. They repeated that I was in arrears and I have to pay or they will destroy my credit. I have been receiving several phone calls a day and now they say I have to pay $83.00 per month. If I sent in the $68.00 they wanted, I would automatically be in arrears because with out notifying me that they increased my payment to $83.00 they then can add another $15.00 and violate the contract I had with Sleepy's.

All attempts at reaching someone who can address this is futile. I contacted Sleepy's and was told that they have nothing to do with financing problems that I have to call the customer service number (in India). I have reported this company to tghe Federal Trade Commission and suggest that everyone else do the same.

Do not do business with any company that has GE Money Bank as their financing entity. You will be victimized. By the way, I had only been late by three days, once since 2008. This company is threatening to destroy my credit by reporting me delinquent to credit bureaus. They also call me several times a day.

I've paid off two of my wife's GE Money-financed accounts and had them closed. When she reviewed her credit report last year, the Old Navy account was, in fact, closed, with the notation, "Closed at credit grantor's request." I filed a complaint with the reporting agencies. They all did an "investigation" (so they claim) and told her she had to contact GE Money. I did that for her; they did nothing. It still shows that they closed it, not us.

About a year ago I received notice from them that they were increasing their rates and other fees and, if we objected, we could either not use the card or destroy it. I cut it up and sent it back to them with the payment with a note saying I objected to the increases and their business practices in general. After recently sending in the final accelerated payment on her most recent account, I received notice that they were again increasing their rates, this time to 29.99% and increasing late fees to $39.99. I wrote them and told them that I'd already cut up the card a year earlier and mailed it back to them. With the current notice I wrote and told them I couldn't do business with them any longer, especially when calling any of their customer service numbers gets you in touch with someone in Pakistan, India or Bangladesh and no one can do anything for you. I received a letter from them claiming they can't help me. I wrote back, challenging their audacity and threatening to contact Gregg Abbott, the Texas State Attorney General. We'll see what happens.

I'd suggest that, if you have a legitimate complaint against GE Money, file a formal complaint with Attorney General Greg Abbott at www.oag.state.tx.us/consumer/complain.shtml . As heart-wretching as some of the stories here are, most of what GE Money does is legal, though heartless. Sadly, it's not against the law to be an a******.

Okay, class action attorneys. Here's my beef. Flat out lies on my wife's credit reports, put there by GE Money, and their refusal to correct it, even with proof.

GE Money has ruined my credit. I basically had perfect credit before dealing with this disgusting company. I was to be enrolled in their hardship program on three separate occasions. They would take 6 months worth of checks- tell me I needed to pay several hundred dollars to be enrolled, then call and tell me I needed to pay more. During these times my check were being cashed, but I was being reported to credit bureaus for late payments and they were charging me late fees and 22% interest- All while I thought I was in hardship program.

Then Encore- collection agency offers me a hardship program. I think- ah- finally- but oh NO- found out today that GE denied me again but cashed all my checks. I am my wit's end. I have paid them close to 1000 dollars last month.

I have nothing left. All this for emergency dental care. I wish I could speak to someone in the United States. These reps in India giving out phony American names. It all seems very very shady to me. I would do a lump sum payment but after reading so many posts- i think they would lie and say there was agreement. ugh! so upset. dropped 200 points on credit report even though there was never a late payment.

I have split my payment for the past two months and now they are trying to charge a late fee even though the payment was not late. Charged a late fee of $39.99 which will go on my credit even though none of the payments were late and they decided to go with the billing cycle date instead of the payment due date.

I made a payment of 400.00 ahead of my due date for a minimum payment of 18.00. They still charged me 39.99 for a late fee. I called to complain and they told me there was nothing I could do. Let me say it again. I paid ahead of time and way more than what was due, and when i didn't pay 18.00 a few days later, they fined me, and then were just ruthless on the phone.

GE MONEY BANK [IS BAD}! Your late by 2 days and they slap you with a late fee from a range 29.99 to 35.00. The flowing month they want you to pay your minium amount due on top of there late fee. I can never get a head. I pay my minium amount due and that is it, I am on a budget cant afford them any more with out taking food off my table. Also if you get a person that speaks English maybe they can settle your account in some way. I thought that I live in the United States have employees that speak proper English. Thanks.

Earlier this year after receiving my tax refund, I was doing as I usually do and payoff any outstanding balances I have on credit cards such as my Discount Tire card issued by GE. I have had and maintained the account with great care for over 10 years. I paid off the balance of 615.00 in February of this year and a month later I received a letter saying my account had been closed for recent delinquencies. I had never been late ever, plus I usually took advantage of the 90 days same as cash program they offer when buying tires. When I've tried to reach a customer service rep all I get is their automated prompts telling me the account is closed. All I can say is GE credit is a piece of sh.. company and I will never shop at Discount Tire ever again for how their credit card company has treated me for taking such good care of and keeping up with the account. They also can rot in the hot place for how sorry their customer service or lack their of it is.. I used to buy many many tires both personal and for the company I worked for all of were paid on time or even early. Enough said about a sorry excuse for a company.

My financing for a Bombarder Snowmobile was transfered to GE Money Bank, and after I paid final payment, never heard another word, nor did I receive my title.

We have been customers of Discover Advantage since June 2008, no problems ever with credit card charges, that is until and after we called to cancel our account on October 23, 2009. Your representative stated our card would be cancelled and the accurred Bonus cash would be forwarded with the next billing cycle. October 27,Tuesday morning at approx 1130 we attempted to use the Advantage card at our local Sam's store but the card was "denied". We used an alternate card realizing the termination had been made.

About a half hour later we attempted to use the card once again purely out of habit and again it ws "denied". Later that day we returned home to find a message on our answering device to call GE Bank Fraud office number provided. We were then informed by a person with a heavy accent that there were attempts to use our card in the state of New York and did we authorize it. The answer of course was "NO".

We have been innundated with phone calls and irroneous message such as a request to change address, and some of the material pertains to a different account number. WE have now received an affadavid form to fill out in responces to alleged unauthorized charges made. Why did [their] company permit usage of this account to other while denying usage to the account owner?

WE now have lost our "Bonus Cash Rewards" and have unauthorized charges to defend against. It appears as though someone within [their] organization is corrupt and providing private information to unauthorized users. As we do not use the card online or any other questionable means. Not until we iformed GE Bank of our decision to terminate di we experience these illegal charges. For this reason we are filing a formal complaint with the Commonwealth of Pennsylania Attorney General Office for investigation.

I filed a complaint with the Attorney General and within 2 weeks, GEMB reversed all the charges and fees. They refused to admit fault or error. No matter: I paid them off in full that day. Never to do business with them again. If you have had problems with GE Money Bank, (GEMB), please contact your states' Attorney General's Office immediately.

Most states allow you to file a complaint online; it typically takes about 20 minutes if you have all your information ready. I have spoken with several private attorneys who specialize in Class Action lawsuits. GEMB is on many a state's 'watch-list.'

When enough complaints have been filed, your Attorney General will take action; it is to the consumer's advantage for the A.G. to file a Class Action suit vs. a private attorney doing so. Therefore, it is up to us to bring GEMB into account for their unethical practices. I encourage all to make their complaint where it will count the most. Google "Attorney General's Office in (your state)."

My husband and I bought tires on a 6 month same as cash promotion. I failed to realize that our statement in small print stated a minimum balance had to be paid each month. I called and talked to a customer representative upon discovering my mistake 10/07/09, and she assured me that the charges would be removed if I brought my accout current. I did so immediately. My beginning balance was 901.71. I made payments on 7/27 of $50, 8/20 of $50, 10/7 of $50, 10/17 of 38, and 10/28 of $610. All of these payments were more than the minimum payment. I called to talk with Greg tonight as to why my accout balance had still not been changed, and he said all he could do was remove one charge that should have already been removed. My husband and I have a 800 plus credit score and it is obvious that we would never intentionally be late on a payment. I was very disappointed in this company's "same as cash promotion" and their willingness to be forgiven to a good credit customer.

Take over GAP credit cards. (1) lowered my credit amount (2) increased interest rate to 23.99% (3) reduced time of payment due date to 23 days.

I believe GE Money card is just using this money free of charge via me. In the electronic era of payments, 21 days is WRONG. This seems to be the case with both of my Cards issued by GE Money

Each month I was charged $39.99 late fees even though I prepaid more than what was due each month.

I purchased a Sewing Machine from the local Bernina Dealer with 18 months no finance no interest if I used the Bernina Credit Card which is GE Money Bank. There were several issues with due dates being changed (August and July 2009) and interested being added to the balance after the no finance no interest expired. However I was still making payments and just decided to deal with paying this card off. It appeared none of the payments I made during the no finance no interest even changed the balance.

October 1, 2009, I made a payment on the internet and somehow I must have clicked the wrong button and paid the entire amount due of 6,486.09. I did not realize the error on my part until October 7, as this is when the payment cleared my bank (M& T). I immediately contacted my bank and they said call GE Money Bank, I called them, a Mike Ayah (spelling?) advised he could reverse the payment, however he said it would take 30 days. I advised by then I would be bankrupt but thanked him and asked him if my account was flagged was there a reference number. He advised the account was flagged for a reverse payment, however they do not give out reference numbers, nor do they place any thing in dispute.

I contacted my bank again later in the day on October 7, and they advised they would do a reverse payment the same day. I called GE Money Bank and spoke with another person named Greg, he advised he would so note the account. I resolved the bank issues with overdrafts and all of my bills including my mortgage bouncing all over the place.

On the very same day GE Money Bank applied a reverse payment of 6,291.09 and a 39.00 overdraft fee, added the $6,291.09 to my balance on my account bringing the total amount owed to $12,622.17. This in turn caused another 39.99 added on for being over my credit limit. When I called on 10/7/2009 and was escalated to Greg he advised they sent money electronically to my bank in the amount of 6,291.09 because they stopped the payment, I advised no, His response was NO, you owe us this money and I advised this amount does not even agree with the amount I accidently checked to pay. He said well this is what your bank sent back to us, I again advised no, the information on the internet says, 6,846.09 not 6,291.09.

I asked to speak to his supervisor, he refused, he said you need to prove we are at fault, he advised i had to make copies of my bank statement and to send to the payment resolution center in El Paso TX. I did this and called back to get a fax number.

I will not be able to pay the monthly bill on this card. GE is now charging me, 39.99 every month for being over the credit limit, plus 173.00 a month for interest, plus now the min payment is 386.00 monthly. I am on a fixed income, I made an error on October 1, and this has escalated beyond my belief. I cannot even sleep at night worrying about how to resolve this error. I admitted my error. GE does not even want to work with me on resolving what they have done.

I received in the mail a letter from the credit department 10/20/2009 advising the 6,291.09 was added to my balance because the free finance was over. This is wrong , the finance period was over in June 2009 and over 2,000.00 was added to my balance. I owed approx 4800.00 at the time, this put the total to approx 6500.00 and I began paying 198.00 a month.

No phone calls are given a reference number. If you do get escalated, t he person is very rude and demanding and you are treated like a criminal.

There is no customer concern

Now we will see if I actually get a letter and my credit history indicates closure of this account. I found the whole experience with Empire and GE Bank very suspect and plan to never deal with any company or service that deals with GE Money Bank.

I have a Pep Boys acct. with GE Bank I make monthly payments on the 3rd and it gets deducted electronically from my acct. on the 3rd. Since my first payment in August, they have charged me 39.99 late fee because they post on the 4th. I called and explained that it is deducted from my checking acct. on the 3rd and therefore not late. They credit that month and sure enough the following month they charge me again. Last month I called again and they said they would change my due date to the 13th. I still pay on the 3rd and it is deducted from my acct. on the 3rd. I just went into October and sure enough they said payment was posted on the 5th and there is a late charge of 39.99. Someone out there has got to stop this. Please help. I am a Senior citizen on a fixed income and cannot continue this harrassment. Should I get a lawyer to write to them?

GE Money bank owns the accounts for Pay Pal Buyer Credit and JC Penney. I did not receive a statement last month for either account and suddenly they started calling me to ask where the payment was and charged me a $39.00 fee and wanted to raise my interest. When I asked why they didn't send the bill they said I am responsible. It is not my responsibility to make sure they send me a bill, I did check with the post office and they said all mail is delivered, as well there is somebody home all day to receive the mail. GE reversed the $39.00 fee on my PayPal but did not do so on my JC Penney account.

We have two accounts with g e money bank. acct no --- which was used on paypal for 20.56. then the other acct no --- which was a toro tractor, I paid both bills at the same time with the acct nos on each check for the amt due. I sent both checks and bill tops to the g e bank money , orlando,fl 32896-0061 address in the same envelope. I have a bal on the toro for $462.71 which i WILL PAY THE FIRST of Nov leaving a bal of 0.0. I got a bill of 22.06 on a 10/29/2009 bill which was paid along with the other bill with a 1.50 fin charge on it. that bill was paid off in oct for paypal, I called your phone no and got a girl in India who could not understand at all what I was telling her,so I asked to talk to her supervisor and she hung up on me. Why can't you hire some of our American workers who speak english so we can get things straightened out. Very frustrating.

GE Money Bank, a subsidiary of GE is without question, one of the most obscure anomalies within the financial lending market. Its revenue recovery practice has to be marked as one of the most antiquated and non efficient methods ever implemented. It's almost an abomination to the name GE. In contrast to another entity such as GE Healthcare this one needs a complete revamp. Ok.. what am I ranting about? Well obviously it is a rant about GE Money Bank. Specifically this rant is targeted at their collection practices. Can you believe my cell phone has rang 3 times and my work phone has rang 2 times in the last 15 minutes? Is this efficient? Is this reasonable? Is this insane? Is it legal?.

So here is the story and believe me there's not much to tell. I have a loan with GE Money Bank with an outstanding balance of approx. $23,000 for a sea-doo (bombardier) vessel I purchased a few years ago. Like a responsible customer, I have been making my payments every month. I think there were a few occasions where I might have been 2 days late due to nothing more than an oversight on my part. Of course one minute lapsed past the time the monthly payment was due and the computer flagged my account, autodialed my Phone(s) and proxy routed me to one of their reps from their first level recovery unit. I'm just guessing this is how they are structured. If you are a rep that works for GE in their recovery unit and are jumping up and down, pointing your finger at the screen because I am not completely accurate on that guess, then please forgive me and say thank you for making your day and giving you a reason to yell about something. Ok.. so fast forward to 6th of this month. The same thing, I just forgot to pay the darn thing and again, something like 20+ phone calls in one day. Ok.. so GE Money Bank needs to work on their tact. Here's the thing GE -- yes, this is directed at you Mr. CEO, you just spent time, and energy = money calling me 20 to 30 times today. Ironically, I paid the bill yesterday via your antiquated phone pay service which you charged me $10.00. Not only did I pay what was due, but I paid over the amount as I have been doing since the inception of our contract. Only, it is now starting to become clear that you have not been applying my additional payments to my principle. So where as my payment should be 240.00 per month, my last bill was only for 64.00.

You probably just wasted 5% of that on trying to recover money that didn't require the effort. Obviously, the CEO of GE Money Bank didn't get the memo that we live in an electronic era. Mr. CEO, consider reinvesting some of your overhead expenditures allotted for FTE's in your recovery unit, into your IT infrastructure. Consider facilitating some Enterprise web services so your customers can pay their bills online like 95% of your competitor rivals. I have so much distaste for GE Money Bank and their lack of enthusiasm in customer service that I have started a campaign aimed at dissolving their customer base. To add insult to injury, once enough cases are rounded up, I will reveal all substantive cases to a reputable law firm for civil action, as I believe their collection practices clearly violate Consumer Protection Laws associated with collection practices. Consumers -- stay tuned for some interesting investigations planned ahead.

GE Money bank has been calling my number on behalf of Mervyns 8 - 10 times daily for 1 week asking for a "Monique". It is an automated call so I am unable to tell them there is no such person at this number. My caller ID shows a number but when I call it is automated and I cannot get a live person to tell them they have a wrong number. HELP what can I do?? This company is calling me all times of the day and night up to 10 times in one day. All the website numbers they list are automated and require a cc number. I Am unable to talk to anyone. PLEASE HELP!

I have a Steinhafel's charge account through GE Money Bank. I made a purchase that had a promotional period of one year to pay it off. I called GE on the last month of the promotion to confirm it was paid off, and they applied all my payment to my most recent purchases versus my oldest purchases.

When I called them they informed me that I should have called them to let them know how I wanted payments applied to my account, and that I waited to late for anything to be done. Now every few months I receive a letter from them indicating they are increasing my interest rate if I leave my account open.

They have also reduced my credit line, therefore hurting my credit score. I pay all of my bills on time each month and don't understand why this one credit card company is doing me this way. GE has made a killing off interest rate money from me, and my balance is never going to be reduced at this rate.

I have two accounts and should only have one. i cannot reach anyone by phone...i have been on hold for 27 minutes. it is impossible t get in touch and talk to anyone. i am paying the wrong account and cannot get it straightened out.

They harrass me sometimes up to 12 times a day with continual calls and even after I have made payments they still keep calling me to bug me about it. The interest rates are ridiculous and so are the late fees. I have asked them over and over again about helping me to lower the monthly payments and they refuse.

I was fraudulently charged for an acct. security of approximately $6.00 every month that I was not aware of due to the fact that I pay my credit card on line. I just caught this charge called the phone number and cancelled it asking for all months be credited as I didn't authorize it. I then had to call the care credit to reverse the $2.00 finance charge they assest me with and the gal I talked to said she couldn't reverse the charge began yelling at me and THREATENED ME a few times that she would hang up on me if I didn't listen to her. I am the customer , I was treated like a dog. I NEVER signed up for anything on this account, I was trying to explain this to her and she was EXTREMELY RUDE TO THE point that she said she would not waive this fraud activity on my account. So my next step was consumer affairs.

In July of 2009 I had an accident that rendered me unable to work for almost two months. My father tried to speak to them to tell them that my payment would be late, but actually it really was not. I had a promotional fixed rate and at the end of June it had expired, anyhow they changed the percentage rate to a ridiculous 28.99% from a 9.90% in which caused payment to go up in July but due to me not working and my disability check had not come yet I was to be a little late, they in turn charged me late fees and over the limit fees. When I called to try to straighten this out they told me I had to make a $200 payment July 3,2009 so I did then they said I had to make another payment by 7-31-09 so I did that in the amount of$200.I have made payments every time they wanted one and then some. I gave them another $$140 in Aug.2009 then another $300 in Sept. I have paid them over and over since 2007, on $9,600 for a four wheeler I have a record of all payments even where it cleared my bank. Here it is 2009 and I owe them $9,876.12. Even if someone missed payments this would be impossible. I seen on your site about no calendar on their payment site and how they stopped crediting accounts on weekend etc. and all the other things that they are pulling on others well the same is happening to me.

There's so much to say about this year of 2009. Not only myself, but tons of people have had to make sacrfices as of no fault of their own. Our president said to call these banks and ask for them to work with you. So far, I have called GE money Bank, Mastercard, Visa, US Bank and all of them have denied any assistance to me. On all of these accounts I was not behind, but needed to either skip a payment or needed my intrest rate lowered. I'm sure your all going to be surprised that I Did Not Qualify! Of course. I'd really like to see everyone stop paying there nonessential bills and let them feel heat. They recieved all that money from us(government)to save them, but try and get a little cushion from them...its not happening. Anyways, theres my rant, and I know I'm not alone.

I took out an account with GE MOney bank/careCredit division for some dental work done in early 2006. Through a lot of unfortunate events (my husband of 30 years left me. I was a full-time homemaker for most of those 30 years) I was late on a payment - I called in advance to let them know as I detest being late in paying bills. I was treated very rudely each and every time I have had to call. Of course I made calls to say I was in a bind and then their calls began - 6am -11pm at night. filled up my voice mail with recordings several times a day. I had another account with Pearle Vision that I was also paying on and paid it off early so that I could hopefully keep up on the dental. They wanted to hear nothing and so I just tried to pay on time as best I could. I had taken out another line of credit right after my divorce in case the alimony got messed up which it did for about 6 weeks. I was trying NOT to have to put all my other bills on that account but, as I was late again with several and had called each and every one to beg for mercy until the money came in...I began to realize that I would have to consolidate all including the GE MONey/CareCredit debt into that one major credit card with higher credit limit. Unfortunately GE had already reported me (I had called to say it would be late but was not yet late in that particular payment) to the credit bureau and so the major card reduced my limit to waht I already had on the card. So NO ONE got paid and I was behind the 8 ball.

I found another part time job along with my full-time job and was working the best I could to work it out. I was getting calls from 6am to 11PM at night and the representative was so nasty and hateful I usually ended up in tears and slamming the phone off. My dad was here when one such call came in (late summer of 2008)- I put it on speaker phone and he was absolutely horrified to hear how the person was speaking to me. He said to figure out how much I needed with what I normally would pay them to pay the thing in full and he would give me the money just to get them to stop calling me. (he said there needed to be someone stop them from saying the things they are saying) In the last week of trying to get the pay off amount -it went up $300+.00 So I pay them off IN FULL and think I am done... went to refinance my house spring of 2009 - I am told that GE is still showing up on the report that I need to call and request that they take off the info from my report. GE tells me they don't have to take any of it off - it is NOW my credit history. I have had others with similar stories. The first thing I ask when a business tells me of a credit card offer (I don't do credit cards anymore) I ask "is it with GE Moneybank?" If so, then the answer is, "absolutely NOT." They are rude, insensitive and lie - they do not want to "help" you afford your medical...they want to squeeze you for every red cent they can charge you for. 18 months same as cash is only IF you pay the minimum payment each of those 18 months and have it in earlier than your due date.

Doesn't matter if you pay in full in 18 months if you were late on one payment your credit history is marred forever. When I realized that they were jerking me around and had already messed me up I worked harder to get those companies who were willing to work with me paid in full first. When you find out that no matter what you do you are burned - if they have messed the credit up then it is done so any incentive for correcting a wrong that they will not right is gone.

My Pay-Pal account was due on 09/29/09. I tried to make an online payment on 9/27/09 and it would not let me choose that date. So, I tried to make another online payment on Monday 09/28/09 and that date could not be used. I had to select 09/30 as my payment date in-which this would make my 9/29/09 payment late. When I called GE Money to ask what was going on, the customer service rep told me that my payment had to be made 3 days in advance for the payment to post for the 29th. I told her that was impossible, because it would not let me select a Sat or Sun date.

She went on to tell me that if I made the payment online I would be charged a $39 late fee and if I made the payment on the phone with her, I would be charged $15.00. What a hoax. I told her to give me the address and I would overnight it to them by Federal Express and you will have it on the 29th A.M. She went on to say oh yes that you can overnight it to us and it will be on-time.

They are harrasing me and my father in law calling about 15 to twenty times a day and calling after 8:30 and even on sunday's about 10 to 15 times then. please freeze them from calling anyone anymore as they are vultures and have bad business ethics and can't obey the FCC laws at all for harrassing people and the time and day that they are not to call. please do something before my father in law has another heart attack and I have a nervous breakdown and please hurry. this has became a very bad situation that needs to be dealt with

GE Money/General Electric Company - Care Credit offers credit cards for dental, health, and pet care. I just paid off my balance and tore up my card because of very extreme high interest rate of 23.990% which is a polite way of saying they are charging 24% interest rate on my account. I was never late on a payment either.

They even say on the last statement I received that interest will go up to 29.99% if I miss a future payment.

No wonder the good old USA has gone to Hades.

There was no reason for that high interest amount other than like other credit card corporations, they want to gouge the @*&$ out of customers.

They don't even have an email address for you to complain. All calls are directed to a foreigner off-shore who turns a deaf ear to your complaints.

I will no longer do business with a company like this, nor will I buy any General Electric products of any kind.

Shame on General Electric for allowing this.

My sea doo got reposed, I tried contacting someone at GE Money and each number I was given they refered me to another number, which I finally got a number for the remarketing department and got to speak to a gentlemen there and explained the situation to him that they had took the sea doo and also my person trailer that it was transported on which to date I have not got back. When I finally spoke with someone,the gentlemen there said that there was a release done on my other personal items and it would be returned. I tried to work with GE Money Bank and they would not buldge on my situation I need to see what my rights are as a consumer.

I just don't understand why the goverment has not steped in to try and pass a law on these companies that are not willing to work with the consumer. These credit companies are always trying to get your business and always looking for the consumer when they are doing good but when we are down they try to stress us out more then we already are instead of helping us they put us into are grave sooner just from the stress alone. In today's economic crises that we are in they should be there to work with the consumer not stress us out more. I need help and everyone was willing to help when my credit was up, now that it is down no one is willing to work with you.

I need to know my legal right as a consumer.

I just started making payments to Care Credit. I don't recall how I made the first payment, but I already am frustrated because it will cost me extra to pay by phone. When I went on line (now) I still can't' find where to pay. Who is going to chase me down? Care Credit. I plan to pay it off very early, but I have to find out how!

I opened a credit account with Lowes last year and purchased a washer and a dryer. I paid the bill on time every month. I came into some extra money and paid off the account in full. Just received a letter stating the account had been closed based on a credit report. What a way to treat a loyal Lowes customer. Getting ready to purchase a new refrigerator. Guess we will have to go somewhere other than Lowes.

Be aware that GE Money Bank will charge your credit card account (mine is a Wal-Mart card) for credit card protection without notifying you. $73.41 per month is what I had been being charged before I realized it. They say no reimbursement is forthcoming because I "enjoyed" the service while I paid for it. I NEVER ORDERED IT!!! Soon as I pay this card off I am cutting it up and sending it back!

I already had a Care Credit account and was charging my recent dental work on it for $1,901. with deferred interest for 12 months. When I received my statement the due date was 9/16/09. (this was almost two weeks before the 16th). I went online and filled out the auto-pay form, with a monthly payment of $350. (This way I would be assured that there would be no late payments). All the information for routing was already there from my previous bill that I had paid off.

But, I called Care Credit to make sure I had done everything right, ie, that no minimum payment was required since the auto-pay was already set up. The clerk assured me it was all okay - and I asked if he could see the information for auto-pay and he said yes, that I had put down $350 for the monthly payments.

When I called my credit union to check on my account, to my horror, the auto-teller rattled off a bunch of overdraft charges, money transfered from my savings, my overdraft Visa had $500. on it and money $1901 had been withdrawn from my checking account ($1,400+ had to be taken from my savings account since my Visa had a $500 limit). Next, I checked my online Credit Union statement and saw that the $1901 withdrawal was from CareCredit.

When I called them and reported this and asked why they had done this, the person just apologized and gave no reason; when I asked to talk to his supervisor he put me on hold and I was promptly disconnected. I called back and talked to another representative (John) and he said the same thing - he didn't know why the total amount was taken out and when I asked to talk to his supervisor he said okay, put me on hold, and I was promptly disconnected again.

The next day I was reading my statement from top to bottom: the top part read just as the agreement should read: $1901. with deferred interest until 08/23/2010. But at the very bottom under Cardhold News the very bottom line reads:"$1,901.00 will be deducted from your account and credited as your automatic payment on 9/16/09"! I KNOW I did not check the wrong box because I had to type in the amount of $350. and the rep acknowledged he had this information.

I went online again later and canceled my credit card account with Care Credit (figuring they may go into my account before I could notify the credit union not to accept any transactions from CareCredit).

I asked repeatedly if this payment would be counted as received on 12/21/08 as my check (which she verified) had been. She said it would but that it would take up to two billing cycles to processed correctly. I also asked repeatedly for her last name and/or employee number for my records. She insisted all I would need was her first name: Alice.

The next invoice showed the reversal of the $39.00 late fee, my phone payment posted as 01/10/09, a $10.00 charge for my phone payment posted as 01/10/09, and an increasing balance due to the finance charges deferred under the promotional period.
I made several phone calls to Care Credit to explain the agreement as "Alice" has provided me on 01/10/09 in hopes of resolving the situation before undergoing abdominal surgery on 02/17/09.
Upon recovery, I began the process of reconciliation again via phone with Care Credit representatives to no avail.
My recovery was short-lived as I became pregnant in late March, incurring three months of flu-like symptoms.

I attempted to contact Care Credit via phone during my first trimester on the rare "good days" while continuing to receive statements, collection letters and emails, and hostile collection calls at all hours of the day and night.

Even though these are difficult times, we were managing to make it until GE Money Bank did a major "knee jerk" reaction to the drop in the economy. Many of our credit cards did not start out being with GE Money Bank. They eventually had GE Money Bank take over the financing. These are cards like Penneys, Lowes, ShopNBC, PayPal. We had anywhere from 1,000 to 3,000 of available credit on these cards. We were being very careful with them, and trying not to use them. GE Money Bank came in and reduced ALL of them to what our remaining balance was. We've struggled now to pay them their payment and then purchase any clothing, medications, or family gift purchases with additional cash.

This week, we received a letter from GE Money Bank about our accounts with Care Credit, a credit card that is used for vet bills, dentists, eye exams or laser surgery, anything medical that your insurance may not cover. Although they did not reduce our credit limit, they informed us that since our money to debt ratio was so high, starting 11/09 they would be charging us 29.99% in finance charges. Now, our money to debt ratio was above what companies suggest, we understand that. But during these economic times that's understandable. We've done amazingly well even after one of us being laid off from our school position. We have paid our bills on time, and even pay above the minimum amount due.

For GE Money Bank to tell us they're going up to 29.99% after THEY are the ones who changed our money to debt ratio all by themselves by changing our accounts to our credit limits being what our balance is seems downright criminal. Where in this new credit card protection program is this mentioned? Why isn't someone in the government protecting people from major companies like GE Money Bank that is doing everything they can to break the will of the people who are trying so hard to make things work? GE Money Bank would much rather us default so they can write us off, thus making them look great. What can we do?

We keep paying, but now for example a posted $115 payment is overshadowed the next billing cycle by $85 in finance chgs. We know as soon as we can we're paying these all off, and never doing business with anyone connected with GE Money Bank. Is there anyone out there that can bring this abuse of customers/consumers to the attention of someone in Washington?

I received a letter on September 17, 2009, the letter was dated on September 3, 2009, regarding changes in the accounts terms based on GE Money Bank's most recent review of the account. As of 11/02/2009 they are increasing the APR for purchases and Cash Advances to a 29.99% which is a Delinquency Rate APR according to their attached document titled "Important Notice". Even thought I have never made a late payment or even missed a payment on this account. I always scheduled the payments many days before the due day. I call Customer Service the same day I received the letter to ask for an explanation of why the changes are taking effect to my accounts since I have being a very good customer and have not make any payment late. I told this was a mistake that PC Richards & Son was making to my account. The customer service representative did not let me explained and said that PC Richards & Son have the right to increased or changed the rate when they want or to change the promotion on the account. He say this repeatingly and told me that if I do not agree to the terms and conditions that I could reject and that the accounts will be closed inmmediately. I feel that I have no choice but to let this abuse take place because if I reject, PC Richards & Son will closed my account and it will affect my credit history. The customer service representative hang up the phone to me since he didn't even wanted to let me talk and obey the account terms changes like a little puppy listening to their master. The guy was very rude.

On 9/14/2009 I received a letter from GE Money Bank the owner of Lowe's informing me that my credit card account had been closed. Being that my account is NOT delinquent or over the limit and I only owe $200 on a credit limit of $500 I could not understnad why the company choice to close my account which will have a drastic effect on my credit rating. After speaking with 3 different account managers I was told that although they understand that my Lowe's account is in good standing that they chose to close my account do to evaluating my credit report. Now, mind you. At this time I am NOT delinquent. The most I have ever been delinquent on this account is a week and have paid their $39 late fee as a penalty for being late. However, GE Money has closed an account of a customer in good standing that is on the brink of paying the card off AND has paid the card off in the past due to not liking my credit score. Which I find ironic being that they are further damaging my credit by closing my account

I purchesed dental work approx. 9 months ago and have never been late with a payment, consistently paying more than is necessary. When I moved I sent them money without even getting a bill, just in case.

Today, 9-14-09, I got a letter stating that for 3 reasons:
1. present OR past delinquency on trades.
2. average credit utilization on revolving/(OR)open ended trades
3. Age of oldest bankcard trade
my terms would change.

The letter included which was supposed to explain the change was incomprehensible (and I am not stupid). The most I could get out of it was they are putting my interest at 29.9 if I'm delinquent. They have been changing the terms with every bill since I opened their falsely advertised account. On about the third or fourth it reached 29.9 percent and I got fed up. i reported them to the appropriate agency in washington and sent a copy of the letter to them.

Trina refused to comprehend what I was saying, that I want the meaning of revolving open ended bankcard trade and the meaning of age of oldest bankcard trade. She was deliberately obtuse. I said she is the customer service person. She said she answered my question. i asked her if I were only allowed one question per phone call. She then said what other questions I had and we began the conversation over.

She couldn't explain the letter accompanying the letter, or the letter. She could not process a complaint. She was not required to provide her last name and ignored my request for an employee ID number, but did admit her name was spelled with an I instead of an E (but they are also not required to give their real names, from what I've been told by John M who had an Indian accent and spoke to me from Credit monitering at a call center in India.)

After 26.6 minutes on the phone, the call ending at 2:32 pm on 9-14-09 I was no wiser than I was at the beginning.

This letter is a letter of complaint regarding Care Credit Company. I opened an account with your company in 2008 in order to pay for needed dental work. The plan selected, was the 12 month payment plan with no interest. I have paid $82 dollars or more each month timely in an effort to make sure all payments were made my June 2009, before the interest would hit the account.

After my May 2009, payment, I had one payment of $82 dollars left, to be paid June 2009, unfortunately, in my own error I missed this payment and did not realize this until the GE Money credit company bought it to my attention. As soon as I realized my error, I called the company immediately on July 15, 2009. My phone call was at 6:30pm the evening of July 15th 2009, I waited at least 25 minutes before a customer service representative answered.

I spoke with John at 6:55pm regarding the payment, apologizing and explaining the error. John told me, although it was normally not policy, if I made the payment over $82 over the telephone with him that evening, the interest would be waived and he said he would note that in the account. I gladly paid the $82 dollars that evening over the telephone with John. I have currently received another bill for $148.88, I absolutely disagree with the charging I received on this bill since I was told by the rep John, the interest would be waived.

I called company today August 17, 2009 a spoke with Janelle, who stated that John's note only said the late fee would be waived, this was not the conversation I had with John and Janelle said there was nothing she could do and the amount would have to be paid. I am very upset with how I am being treated regarding this payment. I have been a loyal and faithful customer for 1 year and have never missed a payment.

As of today 9/9/2009, the company sent me a ltr stating I owe $148.00. I am unsure if they even examined the original phone call betweem myself and their phone rep.

Back in Feb. we realized that we were being buried by credit card payments. We contacted GE Money Bank to see if there was anything they could do to help. Until then we had been able to make our payments. They said that because we were making regular payments there was nothing they could do. They then suggested we stop making payments until we qualified for the hardship program.

We finally qualified in July. Since then we have made the regularly requested monthly payments which is a great financial struggle. We are then called up to 5 times a day and requested to pay more. My Husband and I have tried to speak to several people concerning the number of calls.

Today 9/06/2009 we spoke with an employee and a manager about the calls only to be told there were no notations of any previous discussions about the number of calls. This has been going on for more than 3 months. We are called all hours of the day, starting at the open of business until after 9pm. Every Time we try to address it the person on the other line acts as if this is the first they heard of it and threaten to remove us from the program if we don't make an additional payment.

We have paid them monthly as agreed upon. In the letter that tells us we qualify it simply states to make the 1 monthly required payment as we have done. We believe we are being harassed for additional payments and threatened when we can't come up with an additional payment. We feel we have done all we can to inform them of the issues at hand and are not getting anywhere. This complaint is used as a last resort.

As stated in my previous complaint, I felt I was being unfairly charged for a "late fee". They did infact remove my late fee of $39.00 from my account, but upon further investigation, They have now, in fact, charged my account $15.00, (and I quote from Justin, an "acceleration specialist") "For the act of incurring a late charge".

As of September 09, they have implemented a "calendar" in which to pick a pay date, and in fact, the calendar will not let you make payments on Saturday's or Sunday's. At the time of my payment, they did not have this calendar!

Also, the $15.00 charge for "Incurring a late fee" is now charged as a "Purchase", which in turn, has a higher interest rate! On no portion of my statement does it say that I am purchasing an "Act of incurring a late fee".

Now, by LAW, credit card companies must inform you of any policy changes PRIOR to your next billing date. GE Money Bank did no such requirements.

And last, but not least, I was reading through their web site in the FAQ's category. I came upon "auto" pay policies. They state, they will take out your payment on the due date.... what if that due date fall's on a Saturday or Sunday? Do the auto people folks rack up late fee's most every month? I would look for this on your statements folks!!

I was told directly, by JUSTIN, that they only accept payments Monday through Friday's. If so, why then, when I made my payment on 8-8-09 (a Saturday), did they accept it? Then they went on to "POST" my payment on 8-9-09 (a Sunday) to make me a day late, and on a weekend? Thought they didn't accept payment's on weekend's... hummmm.

*** PLEASE, IF THERE ARE ANY LAWYER'S OUT THERE, LOOK AT WHAT GE MONEY BANK IS DOING!!! ***

We, the people, need a savvy lawyer to file a class action suite on this company!! There are THOUSAND'S of people, just like me, that are being taken advantage of!! PLEASE STAND UP FOR US!!

Like most folks, I didn't have dental insurance when I really needed it. I found an add in the yellow pages of dentists whom you could get credit through. I was accepted by GE Money Bank, for their Care Credit credit card. I had no complaints about GE/Care Credit until August of 09. My monthly bill came, and I see they are charging me a $39.99 late fee.

I called them up, and asked why. (I pay my bills on line and have proof of when they are paid.) I say, I paid my bill on the due date, why the late fee? They told me that the due date does not matter if that due date falls on a Saturday or Sunday! That I needed to pay my bill Monday thru Friday. I told them I had never received notice of this policy change. They asked me how I paid my monthly bills, I told them that I pay on line. They say, it's stated on our web site that payments are only accepted Monday through Friday's.

I say ok then, but isn't it the LAW to inform customers of policy changes through the mail prior to the due date, and what if I had made my payments through the mail, would I have had notice then? She said yes. LIER. On my monthly bill it states VERY CLEARLY "Payment due by 5pm Eastern on the date due" in big bold lettering! I did not point that out, as they said they would remove the late fee. Great, all is as should be.

I just received my September bill. It show's my credit of $39.99, but now they want a minimum payment of $91.00. My usual payment is $76.00 per month. I go through my bill, all the figures add up correctly, so why the 15 dollar difference? So once again I call customer service. They send me over to an "EXSCALATION SPECIALIST" named JUSTIN. JUSTIN is a very NASTY little man. VERY rude, and acted like HE wanted to fight.

JUSTIN told me that the $15.00 charge was for "THE ACT OF INCURRING A LATE CHARGE". I said hummm, nowhere on my bill does it state that I am getting charged for that "Act of incurring a late charge", the only thing I see is that my monthly payment went from 76.00 to 91.00. I then asked whom I should call on Tuesday. JUSTIN ask's why? I said that I wanted to speak with someone "higher up". JUSTIN then said, "THERE IS NO ONE HIGHER UP THAN ME" and that "THERE WAS NO WAY I WOULD WIN THIS FIGHT".

Little does JUSTIN or GE MONEY BANK know! I'm like a dog with a bone and I won't give up this fight without a win! I intend to write my state represenatives, the Better Business Bureau, and President Obama! I also intend to write every consumer rip off web site I can find to voice my opinion about the unfair practices of GE Money Bank. Good luck to us all! We will need it in our fights against GREEDY CORPORATE RIP OFF'S! POWER TO THE PEOPLE, WE'RE SICK OF BEING RIPPED OFF!

I purchased a pair of glasses from Lenscrafters and opened an account with them and GE Money Bank. I paid $100.00 down and the rest was financed. I was forced to go with a bill consolidation program and gave them the amount of balance. I know that the balance was $300.00 but GE told them it was over $900.00!!! I have written them and have not received any answers to my letters asking for an explanation. Also the consolidation company had been making payments to them and these were never applied to the account. I want to know what GE did with the money that was paid to them already and want my balance back down to the $300.00 My credit is already shot and I've lost my place to live and have nothing of value, no job and am receiving my mail at a friends house because I don't have a place of my own. I refuse to pay that amount they gave as a balance and want to know where the money went that was already paid to GE. The consolidation company has records of the payments on record.

In Aug. on 8-3-09 I made a payment on account. Recieved a confirmation number and also a letter in mail that it was made. On 8-20-09 i received a call that it was not made and past due. After checking with my bank to make sure it had not been taken out, i paid again. During that day i received three calls about my account. I guess no one there knows how to read notes. When my Sept. statement came it showed that my payment for Sept as $117.00 , it is around that each month. I'm never late and always try to pay more on this account. But when i called in payment we went all the way through until we got to confirmation number then the lady tells me that my payment is not $117.00 it's $159.00. They were to take off all late fees and like i said i'm always on time with my payment. It was there fault that payment was not taken.

My daughter had to have oral surgery, the Dr office was very nice, Dr very good, we received price of surgery before hand, roughly $1900, we were told they would work with us,they had a plan called care credit that would cover the cost... we applied... daughter was in chair and had already been numbed up... dr walks out of room when told by employee we needed a co-signer for care credit due to our credit.. fine, called someone, they agreed... anyway, we payed every month... could not get it paid before the six months.. but we have paid for the price of the surgery... but we still have a balance of $2,775.82 !!! due to the intrest!! we can never get out from under this. we live on a fixed income, husband is disabled as is my daughter..we initally started with a 5,ooo$ limit, when i had an emergency impacted tooth, I found out that care credit canceled my credit, I had to pay $240 to have a tooth pulled. i feel like they are a scam and taking advantage of people who do not have med or den insurance.. the interest alone is killing us, When i speak to GE money bank on the phone they are extremely rude and un caring, so is care credit, Husband tried to use card for eye glasess, the store said they do not except this card, but they charged it anyway... that was an addtional expense of 38 $.. I need help to get out from under this nightmare.. we can not pay this, we would have been better off making payments to the Dentist, if they would have let us, they inssited on care credit, and how wonderful it was....Help!! They are a scam!!!

they over charged me a late fee for 39.99 on my august bill ,it was paid 08/14/09 and due on 08/15/09 and charged me 39.99 on 08/16/09 for this fee and said i paid on 08/17/09 ...ridiculous i have my bank statement.i want them to credit me 39.99 back they get enough money from the interest they over charge

the next month in July and then again in Aug 09, they refused both on line payments, charged me late payments for both months, then turned me over to collections and the credit bureau and closed my account. I have proof from my bank of payment refusals. My credit report has a ding; I have been charged with 3 months late payments and my account with Dillards has been closed for "unsatisfactory" payment.

For the pass few months there has been a few deaths in my family so my mother wanted to cheer me up and she went and got me a 4 wheeler. And told me to make the payments and they are as wrote in black and white of 133.00 a month to GE Money. So I fell behind because I have to keep going back and forth to the doctor I don't work I am on a fixed income. And I have Kids and this company wants to over charge me for nothing and when I talk to them they can't explain to me and they are rude to me.

They send my statement and I have all of them then they tell me that I am being charged 39.99 for late fee and a finance charge with no reason and now I have on my statement something about purchases I have not bought anything. And my Initial Purchase Amount on the 4 wheeler was 5,312.50 when I got it on sept. 16,2008 and payments are 133.00 a month my amount is not going down it is going up talking about balance is of now 5,116.28 how is that from last year til now something is going wrong and they can't tell me why. They tell me only that since my last late payment since 06/15/2009 that the finance charge will not kick in untill next month so I have to pay 174.28 until it kicks in for I can pay my regular amount of 133.00 that I usually pay. I have paid too much money for no reason and need help with a reason and how I can get some help and who I can contact on this matter this company needs to be closed down. Someone Please Help Me ASAP!!

I misplace a bill two months ago. A guy called to collect and I made payment over the phone including the late fee. The next month they included a late fee again. I made the regular payment without the late fee & now they are charging a late fee on top of the late fee.

So yes like many Americans I did not pay my full amount (for windows for my house) off before there was a finance charge added on each month which is fine. I had to pay an interest of 75 dollars a month it just motivated me to try pay it off faster. Then all of a sudden they started charging me a finance charge of 112 dollars a month all just interest. So I called to see what the deal was they said I received something in the mail to stop my rate from going ip I had to respond back to them by July 1st then someone else I talked to said I had to respond by July 31st if I didn't want it to be changed then someone said Aug. 3rd so I know there scam artists.

I really did not receive any notification stating my interest was going to go up and I feel sick to my stomach knowing 112 dollars a month I have to throw out the window to interest to them. I'm 6 months pregnant a single mother and my hours have been cut down. I talked to there manager who was very rude and said coldly no no there's nothing we can do that's your rate and there's noone else you can talk to.

On my May 2009 Chevron credit card statement I was notified that one of my checks did not clear, so they charged my account $300 for the payment and $29.00 for the bad check and another amount for the finance charge. When I contacted Chevron to tell them that they must have made a mistake, because I do on line banking and have overdraft protection, they told me that my bank did not honner a check from Nov 4, 2008.

Well this was May so I was surpised that Chevron had just noticed this issue. I contacted my bank and they sent the confirmation to Chevron. I called back to verify that they recived the information from my bank which they confirmed. They told me that it would only take a few days to process it.

A week later I called back because the charges were not reversed, and that is when the person on the phone very rudly explained to me that they did not have any information from my bank and that my bank need to resend confirmation that they received the payment. My bank sent Cheveron the payment again.

In July, Cheveron finally reversed all of the charges. However, in August they advised me that they were recharging my account $300.00 for the Nov 4, 2008 payment, a bad check charge and finance charges. I do not known how many hours that I have spent with my bank and with Chevron, to only have this issue still on my account 3 months later. It is stressing me out and very unfair.

I signed up for automatic payment with my checking account for my CareCredit account. Big mistake. CareCredit took money out of my checking account before telling me they would do so (they took out money not related to a billing cycle). When I called to complain, I was told the transaction would be reversed and would show on my checking account in a certain amount of days. I checked my account after waiting the certain number of days and there was no reversal. I checked my carecredit account and the same amount taken out of my checking account was added to my carecredit balance (over $140).

When I called to complain I was told the charge would be reversed off of my carecredit account. I checked online and the amount was reversed. The next day the amount was added back on my carecredit account. I called and complained and was told a check was being sent in the mail to me. A check did arrive and it cleared the bank.

I am now terrified that CareCredit will once again take money out of my checking account not related to a billing cycle due date and I'm afraid CareCredit will add more charges to my account which I did not authorize. I called the DA in town and was told there was nothing I can do except send a certified letter.

I am so afraid of this company I did not list my name or where I live. Beware if you do any business with this company--they can drain your checking account without you even knowing it until after the money is gone. I called my bank. I can't do a stop order because I don't know when the CareCredit will take money out again without telling me.

I received a letter informing me that my credit card with them was to increase their interest rates to 29.99. I do not nor ever have had a credit card with this company. I could not find a phone number to contact them. I resent getting this kind of trash in the mail. They cannot be honest and do this kind of thing.

the manager that answered my call was so rude that she doesnt want to hear me out and started giving me an attitude about my inquiry that so and so im not allowed to ask them etc etc etc. if she is a good manager, all she has to do is listen and tell me nicely, but what she did is not a very good customer service.

when i called back to inquire what happened they dont want to talk to me anymore saying that the account was not with them anymore. meaning they were just lying and now they are saying i can not deal with them because im not the account holder but when i was making a deal with them they were so mad. what kind a of collection agent is that lying about giving a credit when they get what they want

I don't know what that is about. it is scary!

Purchased eyeglasses from lencrafters in Oct./2008. Was paying with a credit card when they offered me Ge free financing. I accepted. They had trouble getting through to GE. After I waited an hour I told Lenscrafter just put the glasses on my own credit card (discover) and call me when they're ready. They called an hour later I picked up my glasses, don't recall signing for anything. 8 Months Later I get a call from GE that I'm delinquent on my account. I didn't know I had an account and I had never rec'd a statement or a card from them in 8 months!

Then they asked if I was living at 5 stephen drive. No, I had moved from that address 6 years earlier, my drivers license and every bit of i.d. I have has my correct and present address and has had the correct info for 6 years! I can only assume that they didn't properly clear me through one of the 3 credit reporting agencies, and just used an old address. I asked them to send me proof that I signed for these, and a letter stating that they didn't properly clear my credit report and were billing an incorrect address for 8 months. I wanted proof that they made a mistake. They agreed, but did not send that letter.

When I called about it they said they don't send letters of that nature. Also when I asked them if they got my statements returned from the post offed. they said yes. I asked them why they didnt call the phone number they were calling me on now, when they got that first returned statement. They had no answer. (My phone number has been the same for 24 years) They called me on a daily basis for 2 months, before business hours, waking my family up. Mostly they called on Weekends, including sundays, when their customer service was closed and I couldn't get a hold of anyone. They also recorded all of our conversations without notifying me at the beginning of the conversation. Which I'm glad about as I'd like those conversations heard.

Finally 2 weeks ago I had enough and went to lenscrafters, they wouldn't help me. they wanted me to give them my soc. sec. # and they'd get back to me later. 2 weeks now, I never heard from them. I asked lenscrafter for their corporate phone number and they said they didn't have one. Also, the manager on duty told me that GE money does this kind of "mistake" billing on many customers in order to collect the interest on the "free" promotion. That's dispicalbe and....I questioned why Lenscrafters would do business with a crooked, unethical company like that and she didn't have an answer. Lens crafters blames GE, Ge blames Lenscrafters, I'm the only one who did nothing wrong here and I'm being tortured.

In July of 2008 I took out a 0% interest loan for 12 mos. with GE Money Bank for new windows (suggested by Andersen Windows). I paid more than the monthly amount due, then had a remaining balance for approx. half the loan amount still due. I did a transfer balance with AAA/Bank of America to pay off the balance remaining, this was mailed out to GE on July 14, 2009. GE says they never received the payment, BA faxed them the transfer date & information. GE is trying to bill me for this amount & several other charges.

I signed up for a Discount Tire card and was to receive 90 days no interest on the card... DON'T BELIEVE IT! I wanted to pay off the bill early and they quoted me the amount I owed INCLUDING the interes... I called to complain and they said it was a common practice with companies like GE to conduct business like this. They are crooks and scumbags... And to make matters worse, they outsource their customer service to INDIA! GE MONEY BANK SUCKS!

Have had a CareCredit account since I broke my wrist in January 2008. Because I had no health insurance I applied for it to pay doctor bills. Original balance $2000. Kept up payments until I lost my job in July 2008. They put me on a hardship program and I made every payment on time. Just went off the hardship program and made a payment 08/14/2009 (my due date) with Western Union Quick collect at 1:38 p.m. Western Union sent this immediately to the company at that same time which they can verify.

GE Money Bank did not collect the payment until 06:01 p.m. EST making my payment 1 hour and 1 minute late. They then didn't post it to my account until 08/17/2009. This made me incur a late fee of $39.99. With the next billing cycle the finance charges will put my account over the limit and they will charge me another $39.99. They delibrately collected the payment late so as to charge extra fees.

I spoke with a supervisor who was very rude and they refused to refund the late fee. They kept stating they didn't receive the payment until 08/17/2009. They will not accept proof from Western Union. I supposed because of this, they'll raise my interest rate which is another reason for them to delibrately post a payment late.

I have a fixed loan that I took out almost 3 years ago. I agreed to accept online statements (which I still have never received so much as one). My payments for 2.5 years were 162. and change. I have set into my ebillpay for 163.00 8 days before the payment is due each month. July 31 I received a call form their collections dept. telling me that I have accumulated 1000 in late fees and need to settle immediately.

Some time in January they raised my min due to 175 and never told me about the increase. They offered to take the balance in full (with a 200 dollar savings to me!) They would take the 3882 out on the 14 of August.

Well now its the 19 of August and they have not taken the money out. I have called the 800 number everyday since monday, and they keep telling me they will take it out soon,

What game are they playing? They want the money so bad why are they not taking it? Are they trying to wait untill next month to charge me more late fees my payment should have been due on the 15 of August. This company is a scam, is this legal what they are doing?

I purchased tires at Discount Tires and took out that GE card. I had 6 months to pay it off interest free but I paid it off in 5 months just to be sure they didn't play any games. Also I paid online where I got confirmation numbers of payments. I found out later reading in the Chicago Tribune, business's that push these cards such as GE Credit actually are the ones that cause the havoc with your credit score. Because they give cards to anyone.They are considered a high risk card and there goes your credit score down, down, down. Then they turn around and tack on all kinds of fee's

Even when you make that final payment on time GEMB processes it late so they can still add the interest charges. Even if you pay it ONLINE - it still is processed as received LATE! ANYONE HAVING THIS PROBLEM WITH GEMB - YOU MUST REPORT THEM TO THE FTC. Your state attorney general. You can also file complaints with the Office of Thrift Supervision to make GEMB fix the problems they created and have been ignoring VALID CUSTOMER COMPLAINTS! Its the only way to get GEMB to stop messing with your accounts!

A few months ago we purchased 2 quads from Polaris. On July 24, 2009, I wrote a check in the amt of $450 and indicated on 2 payment coupons which I included in the envelope the amt to be entered for each. Never thinking there would be a problem, I was shocked that I would redeive a Collection call. The first was Aug 3, 2009. I explained to Shane what I had done and although he could see that the entire amount had been credited to one account stated he could not correct it. I told him to fix it. He pressed me to make payment on the account which had been shorted and I refused.

The next morning I called Customer Service and spoke to Teresa who assured me that she would document the problem and forward my request to Accounting. She stated that I most likely would receive another call, but that a note had been made. August 7, 2009 - computer generated collection call.

On Monday, August 10, 2009, I spoke with Bonnie in Collections, and then spoke to Victor in Customer Service who verified that Teresa had sent a note to accounting. Sunday, August 16, 2009 - another computer generated call from collections. Monday, Aug 17, 2009 - I called Customer Service and spoke with a Sue who advised me that the process of correcting their original error would take a few week but that she would leave a note to not call me. Additionally, she advised me that she would contact Accounting and would call me back.

This morning I did ask to speak with a supervisor and was told there was no supervisor in. August 17, 2009 - 2 computer generated messages this evening. At 8:33 pm, a Christine from Collections called me and I became quite angry and hung up. My husband and I are small business owners; have excellent credit and have never experienced this type of treatment.

The most frustrating is the fact that I have not been able to speak with anyone in Accounting; have no address; no supervisor to contact and feel as though I am surrounded my impotent; ineffiecent people who are in no position to correct this simple problem which appears to have gotten out of control. At this point, we are trying our best to be proactive; protect our credit and have these individuals correct their error. I am 64 years old and have worked too hard to have this happen to us. My blood pressure has risen and I have been unable to sleep.

Made payment in full amt 1944.03 online auto-debit out of our line of credit acct (checking) on 7-15-09. Was sent email confirmation and called automatic 3 days later to hear it say "You have a zero balance." On 8/15/09 we receive statment which reports check return 7/22/09 with a 29.00 fee also sinc enow our 12 months no interest is expired they added 509.05 to our bal as well.

I called 8/15/09 spoke to rep then his supervisor. Checked acct number. It matched my acct so he try to say it was my fault the check was return. Why? So I mailed a paper check from the same acct 8/17/09 so they can process the payment amt 1944.93 and asked for them to waive the 29.00 and 509.05. He said he was not waiving anything. He would notate the acct (by the way I was speaking to someone from India!)

Wrote a letter to accompany the payment and filled out payment dispute form and mailed 8/17/09 also. I feel this was done intentionaly to get the % of 509.05 (In case you want to know why I ddi not see it hit the acct it is an equline acct, it has all the benfits of checking except you receive a monthly statemnet and with date of payment had not recd statement for July/August yet.) They have charge the interest of $509.05. Now awaiting answer from their dispute dept.

We applied for a loan for a room addition and went through GE Money to do so. The original interest was to be at 9% with our credit, this was promised when completing the application by American Home Design. Our rates on the loan jumped to 15.9%. I've made extra and early payments in efforts to bring down the balance and have a fair attempt at paying off their loan. Most recently, our rates jumped to over 20% for no reason. There were never any late payments and always a payment in between to cut down the principal.

After paying several months on time/early and always extra, they continue to raise our rates. Customer service is no help, long hold times and then supervisors who do not help or better yet are trained to just not care. There is almost no way I can pay this loan off now, with close to $400 a month going directly to interest fees into their pocket.

This is ridiculous and uncalled for, especially when there is never a default and extra payments were submitted every month. I feel like we are drowning and do not want to go into bankrupt, but GE Money seems determined to break their customer base even further in these tough times. I'm considering Better Business Bureau, Wave3 Troubleshooters, anything to get this into the light. I'm sick to my stomach on what these creditors can and continue to do on a daily basis.

I have a home project loan with GE Money Bank. My husband and I went through a local company to get some new windows in our house. All their financing is through GE. We figure a $10,000, no problem have it paid off in a few years. Everything was going fine; paid early & paid over the amount each and every time. But suddenly in march of this year nothing started going toward the principal even though I was paying $50 to $150 over each month. So after a few months of this I started adding up the numbers.

Every month from March there is at least $50 unaccounted for. So I spent 2 weeks calling them trying to figure where this money was going too. After being hung up, transferred to disconnected numbers, etc. I finally got a hold of a woman who went over each set of numbers with me. She too sees what I see She goes to get her supervisor.. I hear them talking--I am hung up on. It sound like someone slammed down the phone. I tried to get her on the line again.

I am told that they can't transfer so I asked to speak with the supervisor. she was NO help. I am never rude to a telephone customer service person I know they are just don't their job. This woman (and I use the term loosely) was horrible she was rude, condescending, and she swore at ME. And I was actually ****** beyond the normal, but still trying to being nice.

It took me another 2 to get a account history report from them. Well I decide to wait it out a few more weeks to see what happens. My bill was $86 and I paid $500 and only $340 when to my account. Even if I look at it like this $86 interest and what have you--that's only $426 where the other $74 dollars. This needs to stop. I am trying hard to get out of debt I dont have the money for it to keep dissappearing.

I have been harrassed by this company for money I absolutely positively do not owe them. I have filed a complaint with the Federal Trade Commission, Better Business Bureau. I have also sent the company a cease and desist letter quoting the laws of the FTC. On Friday, 8/14 and on Saturday 8/15 they called again.

Due to the murder of my daughter in PA and being subponeaed for court proceedings numerous times, my accounts got behind. Even though payment arrangements were made, and those that have passed were honored on my part, the calls keep coming, sometimes less than 1 min. from the last one on the same account. I know I owe the money, but the Indian customer service (?) reps not only either do not or choose not to understand english, but are extremely pushy and almost to the point of being coersive. They don't want payments via the internet, buit want to do a check by phone which of course they charge a fee for.

I am to the point where I consider the continual phone calls AFTER payment arrangements are made to be harassment. They don't listen and I get comments when I explain the late payments like "everyone has that problem". I have worked long and hard to attempt to maintain good credit and pay my bills on time but the current circumstances have hampered me in this effort.

On-line payment. Unable to delete once entered bank information (there is no such option on the website). Unable to calncel pending payment from the website as well as when contacting CS. About $39.00 fee for not being able to process saving account electronic funds transfer. They make you use saving account and then it turns out they can't use it. After all late payement fee is applied of $39.

I had my GE money bank card through Lowe's and I did not use it often and when there was a balance I paid it off as quickly as possible. I also received a letter canceling my card today for the following reasons; Delinquency last billing period on this account, highest consecutive months account 2 or more billing periods past due in 18 months, maximum consective months there was a balance increase over the most recent 6 months for this account, percentage of times payment greater than amount due over last 12 months on this account.

Basically I hadn't used my card for awhile and then purchased $200 on the card I was late but immediately paid the balance off as soon as I was aware of it. I guess when you had a balance of 0 $200 would look like a large increase in spending? When I called to discuss it they told me to check with the credit bureau I had something bad on my credit report, when I asked which one because there was non listed on the letter they said all of them. If you read the back of the letter it says if no bureau is listed then a bureau report wasn't used. They just want people that they can suck dry with the high interest rates. Say NO to bailouts these businesses should be closed.

I financed new windows for my house through GE Money Bank last year. When I signed the contracts with the window company, I agreed to the intrest rate of 7.24% for the term of the loan.

This month, for no reason, my interest rate changed to 12.99%, basically doubling the interest I was paying each month, and therefore adding to the length of the loan.

They had absolutely NO explination for why the "terms and conditions" changed other than they just did, and they can do that at any time, to any customer. I have excellent credit and have NEVER been late on a payment to them... EVER! They refused to give me any more information on why they changed, other than to say that I "should have" gotten a letter in the mail.

What was interesting is that the monthly payment did not change at all! It was only the interest rate, which made the money going to principal much less. What a scam!!! Just another reason to check your statements every month. They count on us NOT checking them!

My husband and I decided immediately that we would just pay off the loan right away, and that GE Money Bank would never again get one penny from us.

I would strongly caution anyone who is thinking about using this company. I am furious and will never even consider doing business with them again. I will also tell everyone I know! Please check your statements each month for changes...

After opening my account to have dental work done I only received on statement stating my payment was do. So mail payment an all was good thinking I was going to receive a statement each month after boy was I wrong. about 3 mts later I received a phone call stating that my payment was do an that I owe late fees also. so I told them that I never received a statement in those 3 months to mail a payment a they said there records show that statements were mail and there must be a problem with my post office.

I ask them to send me a statement so I could make the payment but i wasn't paying the late fees for a issue that was my fault. They mail statement and again I never received a statement after this so call an request statement after a phone call from gemb. which included late fees also.

I have been making payments each month. without a statement an know am receiving a Letter from a collection agency with a balance HIGHER than my credit limit to start with. So this company needs to be investigated because they are really messing with people credit and robing them BLIND

I charged $174 on my PayPal card. Paid the card two weeks later. Statement from GE Money Bank had a $39 late pay fee. I called and told them I would not pay the erronous late charge since my payment was long before the closing date. Then I put several new card charges on the account and made payments over a few months without hearing from them. Suddenly I received a bill for appx $600 consisting of my $279 card charges with the rest being late payment and over limit charges.

They called me and said they would setup a payment plan and that if I made the payment plan payments in advance via permission for them to take the payment out of my bank, I would not get any late fees or overlimit charges on the account. I called the 800 number when the next bill came with almost $90 charged as late and overlimit fees and spoke to a person who couldn't speak English. I had no idea what she was saying. I hung up and called back with a similar result. Finally I got someone I could understand and he said that the fees would be credited, that they made a mistake and not to worry about new fees being charged. The next month I discovered the old fees hadn't been credited and I had the same amount in new fees.

I am 72 on Social Security and Medicare. If I pay them to maintain my credit score I will not have enough $$ left for medications and rent. The choice is easy. I will not pay anymore money to GE Money Bank and the heck with my credit. Let 'em sue me!

Today, July 21, 2009, I attempted to pay the final balance of $1,360.59. I called three times and spoke to customer service representatives in India who apologized for my inconvenience, but insisted that I owed an additional $643.02 finance change this month of July. My final closing payment for $1,360.59 was refused by your customer service representatives, even though it is still within the agreed promotional month of July 2009.

At this time, I want to make my final payment in full, but I am unsure the payment will be accepted as the final payment and NO additional finance charges will be included if I pay the entire promotional balance. I have not been able to talk with any of your representatives who understand my concern or that can make any decision regarding the account.

I have no other choice than to return the bed if I cannot make a final closing payment in July 2009 to close the account.

I have 3 credit card whit Ge money bank a had a accident and call the insurance of the credit card so they can get paid. am disable. what is happening is the insurance paid the 2 card and i one. 1 had 550 and the 2 one i had 1,800. the wall mart card they lower my credit limit to 100 and the 2 one 290 dollars. a call them and they said i will receive a letter. i fell am discriminating me for bin en sick and having disability

I authorized a payment for $1,129.00 on May 26th of 2009 via the GE Online Service website. I have come to learn that my actions of "Auto Pay" did not initiate an instant automatic payment, but change the settings on the monthy automatic payment. The option for single payments was then removed from my account summary navigation options. My authorization of payment was made 22 days before the end of the promotional period on June 17th of 2009. An automatic payment was processed on June 10th but was not the $1,129 I had setup on May 26th. The payment was not posted until after the promotion end date. The online payment system is not intuitive nor conventional, and can easily show how it's design is misleading be it intentionally or unintentionally.

In summary:

* The online payment system is misleading giving GE Money a maximum of nearly 2 months before payment is processed while the option to make one time payments was removed from my online account summary navigation options.

Trying to bill me For services not provided. I went to a dentist for implants which cost 15,000 dollars. I went home that same day and the dentist bill me for that amount without even starting the work. he told me that he ordered the material but i told him that i could not afford this done but I was still billed with nothing done. Now they put it in collections and i still dont have teeth. I tryed to refi my mortgage and they said its in some kind of lein. what should I do. I think about this all the time. can't refie. its hurting my credit report. and they need to be stopped

I got behind in payment and they raised my interest rate 26.99%. I ask for a hardship and they agreed but I had to be up to date on account. Now I call they say I need to be behind 90+ days. There was a purchase showing on my statement. I ask what it was. They said it must be late fees + interest. I ask why it shows up all time. They said you needed to call and tell us to pay that from your payment. How was I suppose to know that?

I said I need help and they said sorry you can not pay for the 90 days then ask but no guarantee you will get a hradship. How many complaints have to be submitted to get action against this. Our economy is not that good to allow these people to continue this. These people even get money from the Gov! That is not fair! Not Fair at all. So what can I do from here? I have this loan on 2 ATV. I was told I make to much to file bankrupt. I and or we need avenues to STOP this Co from taking our money at will

GE Money Bank cashed it on 4/15/9 and never posted it too my account I have traced the money order and I have mailed and faxed several copies to this company in the meantime that keep charging me late fee's for the monthly payment I closed my account back in April when the claimed they never received it and their collections dept is harrassing me to make a payment of over $200 now, I've spoke to several supervisors and I have recieved 3 fax numbers to fax my money order to. What are my options?

I have been harrased by their collectors since February/March of this year. They call 4 or 5 times a day even on Sunday. This better not hurt my credit rating. All this nonsense and their constant calls have been creating a lot of stress for me.

GE Money Bank changes my due date from month to month. I financed a camper with GE Money Bank a couple of years ago. My due date was the 25th of each month. In the past several months, my due has changed each month. My statement shows a due date ONE day prior to the date the payment is applied which makes my payment ONE day late each month which costs me $39.00 late fee.

I called GE Money Bank (several times before I got to talk to someone)about this matter and was told that my due date changes because of the number of days in the month. They even charge a $10.00 fee if you pay by telephone. They have no web site which allows you to contact them. I have never been late with a payment as I send it in about 10 days prior to the due date and they keep changing the date.

I open an account with Peach Direct financed by GE Money Bank in August 2007 and purchase a laptop for my daughter because she was going to college. In December, I added a watch to the purchase. Total bill was around $1500.00 I now owe $1579.88 after 2 years. I called and ask that the interest be lowered and I was told I could join their hardship plan with no interested added for 7 months. During this time I was doubling payments and the bill stayed around the same amount. I was being charged interest at a lower cost plus another fee which did not reduced my bill at all. Now I am paying an interest of 26.99%. Finance charge of $33.95. I owe more now than I did two years ago. These people are a rip-off. I could have paid for my laptop and watch twice over by now. Recently, I found out that my walmart account is through GE Money bank as well. I can't believe Walmart will do business with such type of people. I have no problem paying my bills but when do I get to pay this off. When I refuse to pay, I am constantly harassed 3 or 4 times a day. GE Money Bank you SUCKS!!! I would like to settle this once and for all.

I bought $3979.95 worth of furniture at La z boy. They asked how I wanted to pay for it and stated there would be no intrest if I payed on time. I didn't want to take the money out of my IRA so I opted to pay on time.Big mistake. I called them to ask when I started paynents and where to send them, how much the payments were and the account number. I was told I couldn't recive my account number over the phone for security reasons.fortunatly,I recieved a statment with the account number on it on 1/13/09 and had my bank make monthly payments, which they did.

Five months later I get a letter with a check for $715.00 stating I requested a credit balance refund,which I didn't and to call if I had any questions.I called and was told I didn't owe any money to this account. I called and asked to talk to a supervisor and was told I had not made a payment one to my account and I would have to pay intrest on the whole amount.I then made a bank check for 3121.95,added the check, unsigned and uncashed for $715.00 and my last payment totaling 3979.95 and sent it to them registered mail with return receipt.I then received a statement omiting the $715.00 check.

I wrote another letter on 6/29/09 and told them I was canceling my account and asked where the check was. On 7/3/09 I recieved a letter stating they couldn't make any changes unless I dalled them. I called and a Charmaine (no last name) told me I would have to see if the check had been cashed. I called today and was told I had chashed the check and that I now owe $1112.83 as stated on the statement I recieved today 7/29/09.

I am a 76 year old man and have never reneged on a debt. My credit score on 1/28/09 , when I bought my car, was 820. I am not paying them again for something I don't owe.

My PayPal MasterCard via GE Money Bank is charging me for bogus items I did not receive get or order!! Charges are totaling $500+. I have submitted proof of this scam. Was told to cancel card and have it reissued while they investigated. nothing was done by them! The charges remain. Caused a health care payment to bounce due to the changed card. I have spent hours listing, writing letters, trying to contact companies, etc., This has cause great emotional stress.

Recently I started to close credit card accounts because we were purchasing a home, a second home I might add. During this process I discovered that GE Money Bank was the holder of over 17 of my credit cards, all of which I was closing. I also noticed that GE had reduced all my credit limits to below 200.00 and had NEVER sent me a notice. I was exasperated. Today I discovered my WalMart is held by them, so today, I will close that one. I refuse to deal with GM Money Bank. They are also rude and inconsiderate on the phone.

never bought. I have had the hearing aids on a trial basis and have returned them as unsatisfactory. I have called them to explain and I hve sent them proof of the return. They still persist in billing me.

I made a payment for $27.00 on 6/26/2009 and it was returned by bank. Called bank and said they would wait and pay it if it is returned. Sent a second payment in for $72.19 which cleared with no problems. Paying on account since 1/09 with no problems. Ge money bank has reviewed the recent history on walmart account. Claims account is being closed because of the number of dishonered check payments has reach an unacceptble level closing credit line. Their was only ONE check ever returned, not many as claimed by them.

I received two letters from GE Money Bank in the past two weeks telling me that they are closing accounts that actually have 0 balances on them, because of Trades with Delinquency in the past 12 months or Trades opened in the last 24 months. Not exactly sure what this means but although I dont care about closing empty accounts, it will effect my credit rating. I went ahead and closed any remaining accounts that I have with GE Money Bank before they get a chance to do anything further to me. I am seeing from other people that this is apparently a wide spread problem and something I think that needs to be dealt with.

their company, discuss the entire history of my account with my mother's husband. He is not on the policy or been authorized to receive any information.

I called them trying to complain. Every department I was connected to offered an apology and preceeded to talk about the bill. Also, was told that the could talkto the spouse. I quoted them part of their stmt, that they have to be given authorization in writing before doing so.(printed on every bill) I insisted to speak with a supervisor or some who can assist me, because I wanted to know what right they had to disclose my information. I was put on hold and after 5 minutes, disconnected.

There practices are down right dirty. The account was opened in 2006. We made one purchase on the account. Between them changing the due dates and charging 29.99% intrest rate on the accout, it had fallen behind. We talked with them and had them automaticly pull money from our checking account. It seems they stopped removing funds from the checking account before it was paid in full, with out notification. I feel I have given these people there own personal bail out.

This company is totally scamming ppl and in this economy should be willing to work with ppl and they aren't I am sure they are not one of the banks that needed a bail out and I will be reporting them to the authorities it is my SOLE project today and until I get the help I need to stop them .

I can honestly say I have never dealt with such a ruthless creditor. First of all, their web site is a joke. You can NOT contacty them via email and if you make a payment you have to wait a full 48 before you can make another payment and on the weekend you have to wait 72 hours before you can determine if any other expenses have been accured after your account is paid off, which means they can charge you 29.99% interest on the entire account balance if they find hidden transaction fees. They discourage you from obtain account information by telling you to go to their website because all their operators are busy and the wait time could be 10 minutes or more no matter what time of the week or day you call. There is no place on their bill where they say payment must reach them by EST PACIFIC or central time, it just notes payments are late by 5pm and they do not document on their original contract that late fees will be applied to your current balance rather than accepting the late charge as a fee

I have a Sams'Credit Card and GE is the financier that holds the account. When I made my purchases they totaled about $525. Over a period of 2 months. I had made earlier purchases but paid it off many months before. When I received my bill it was $1000.00. OK, I called to ask why my bill was so high, but I only got the "service" dept who said "You owe, you pay". I had a really hard time trying to get them to understand it was the wrong amount(Indonesia China). I wrote a letter explaining I did not owe this much and wanted a copy of purchases. They said only what is purchased inside the store do they have bills for, not for the gas purchases. So they continued to send the first statement. I wrote the Office of Thrift Supervision, Consumer Complaint and finally received further statements and some type of paper the pump sale on it. Nothing has been done to correct this problem.

GE Money Bank sent me a letter stating that they are closing my account due to the number of trades with delinquency in the last 12 months, present or past delinquency on trades and the # of trades in the last 12 months. I opened this account 18 months ago when we purchased new carpet for our home. We paid off the entire balance before the end of the interest-free terms. I do not have any delinquencies on my credit accounts. I attempted to contact them, but their automated system says the account has been closed and then they disconnect the call. How can they make these false claims? What can I do about it? I am concerned about what affect this might have on my otherwise good credit rating.

GE Money Bank plays games. They have three times changed my due date. It seems once you set a pattern of paying close to due date they move that date back so you are late by a day. Twice I have mailed in payments registered mail, both times they told me it was late, but the US post office showed they were signed for by the due date. When questioned they said that it is my responsibility to see that it is in their office by the due date and that just because they sign for it isnt proof. They also set due dates on weekends and holidays so even if it is in their mailbox and available to them they show you late. Why state a date that they wont honor? Due to the two lates I had my rates increased.

Besides changing due date they change the min due payment around. For several months it was 135 and then jumed to 197 then back down to 167. This was supposed to be a fixed rate account. Now they are also adding the late fees to "new purchases" which are charged at a higher rate. It may be required to make payments thru the website, but that is not an easy feat either. it wont let me log into it and a phone call was of no help
'I dont know why you cant log in" was all I got.

'

However I know that the monies were paid to the Finaning Facility a long time ago and cannot understand why the Lien was not taken off my Boat Motor.

I used GE Money bank to finance my appliances for my new kitchen 2 years ago. I have been payning them every month- and suddenly my interest rate was 29.99%-when I asked why did they increase it they said I have 2 late payments and now I have to make on time paymnets for 3 months straight to get it lowered. I begin making every effort to make the paymanets on time, and when I called to get my rate lowered they said they changed the rule I have to make payments on time for 12 MONTHS before they can lower it!! Now when I pay them $200.00 every month only $20.00 goes towards my balance! I will never pay them off at that rate- Can we start a CLASS ACTION LAWSUIT against this company? Their practices are unethical to say the least!

Today I received a letter from GE Money Bank stating that my World Market/GEMB account has been closed due to "# trades with delinquency in last 12 months, months since last delinquency, present or past delinquency on trades." I used this card a total of ONE time in December of 2007 and paid it IN FULL when the bill arrived. I have not used this card since. The letter I received from GE Money Bank states that this "delinquency" has been reported to credit reporting agencies. How can GE Money Bank do this when I never defaulted on this account. Now my credit history will suffer because of an account I USED ONCE AND PAID IN FULL ON TIME? I am having a difficult time financially but have managed to remain current with all of my bills. Why should I be punished by having my credit history negatively impacted when I am upholding my obligations?

Upon examintaion of my annual credit report I noticed on two separate reports that my account with GE Money Bank was located in the adverse or collection account section. I immediately disputed this with the credit reporting agancies and conacted GE money Bank directly to see what the problem was. After discussions with several employees it was determined that there was no reason for my account to be in that catagory as I have never had a late payment or a missed payemnt which GE Money Bank agreed with.

I requested a supervisor to see about getting this fixed immediatley as this is affecting my credit. She explained that because I did not have a phone listed on file my account was labled as special handling and had a block put on it. Until I issued them a phone number they refuse to remove these items. I had given them a number in the past but it was my home business number which they called repeatedly if my payment was not there on the exact due date. As much as every 15 minutes on most occassions. I requested my phone number to be removed and to be contacted by mail in the future as I considered the excessive repeated calls to be harassment and in violation of the Fair Debt Collection Practices Act. After explaining this to the supervisor she again refused to change or remove the block until a number was issued.

My account with them was cancelled in total in March 2007 and never used again since then and when it was used before that date it was always paid on time. I am struggling as anyone else to keep my credit clean and pay my debts. Someone has to do something about this and take GE Money Bank and affiliates out of the banking/credit industry and stop this form of unethical and abusive conduct.

I bought appliances thru them and when I paid it off they said it was late, there started the intrest and late fees. I had no choice so I told them to send letter and agreed to pay $75, if they would not report me to the credit companies--which I found out later they did. The letter came with a due date in 2 days. I sent the money and it was late of course. This is how they make their money--you can never pay them off. I wish I knew what to do to explain to the credit companies that this is a scam "interest free loan". I should have know better

I got a letter in the mail from GE Money Bank. My account has been closed due to: 3 trades with delinquency in the last 12 mos, highest credit utilization on revolving trades, present or past delinquency on trades. This balance and this card have been paid off for 2 years! We haven't used this card in years!

Thanks for reading

I received this letter in the mail today:

PRINCIPAL REASONS FOR MAKING THIS DECISION:

No Interest/no payments until 11/2009.

No minimum monthly payment wilolo be due and No finance charges will accrue on the purchase until 11/2009.

I bought my furnish from Room To Go on 05/09/08 and paid my last payment Febuary 09.

This is second account that was closed on me by this Bank. My other account was paid off early.

I received a letter today from GE MONEY BANK in regards to my City Furniture account. I have had this account for approximately 15 years and have purchased thousands of dollars in furniture from them. The account is paid off - and the last time I bought anything was about 14 months ago. I have a very good payment history with them. They informed me that they were closing my account after reveiwing my credit information.

They claim that the decision is based on Average credit utilization on revolving trades - not sure what that means - either I don't have a lot of credit activity as of recent - which is true - or that my credit to earnings ratio is too high - which is completely false since all my credit cards are paid off in full except for 1 that I keep in order for me to show that I have credit - I was advised not to pay off and close all my cards...Needless to say I am pretty shocked and disgusted with them and feel that I have been given the shaft after being a GOOD, Loyal customer of theirs

I was fitted for hearing aids and it was financed through GE Money Bank. This was in May 2009. I have been waiting for coupons or something to pay from and have recieved absolutely nothing from them. No account number, no mailing address, no dollar amount to pay. NOTHING!

It would really be nice to be able to speak to someone that understands english. It just isn't a fair business practice for them to expect people to make a payment when they don't even know where to mail it.....or how much....or have an account number...

I really don't know what to do about this, I call and get an automated system and can't get through without an account number. What to do???? I owe $2,400.00 and would like to get it paid.

they harass all through the day and call late into the night and even on sundays. they have put my credit to where I can even get a loan for 20 dollars without having to pay 120 dollars to get the loan. my score is 511. after I had to get a credit card for dillards solely just to get the company discount and I really didn't want the card I just wanted a prepaid card to buy things as needed

They sent me a letter stating that they are closing my account due to the number of trades with delinquency in the last 12 months, present or past delinquency on trades and the # of trades in the last 12 months. I have never missed a payment, and actually paid off an account that had a balance of 10,000 with cash I recieved from a Profit Sharing Bonus at work.

MaryAnn Petry

We have had a Lowes credit card for several years. Purchases were made and paid for in a timely fashion. We recently used the card to purchase two cans of paint within weeks of each purchase. Payment was made on time. Second bill came for another can of paint, and then a letter from GE Money telling they were closing our account - not because we were late with payment on the Lowes account, but because they reviewed our other credit history and deemed us unworthy to keep an account with Lowes. A $29.00 can of paint & a crappy GE Money have now left a dark mark on our rating. Oh how I regret using that damn credit card and should have paid cash or walked out of the store empty handed. Of course, Lowes will no longer receive any business from us. Lesson learned the hard way and hope GE Money goes under.

I discovered that a consumer credit card account belonging to my ex-husband was on my credit report. I called the company to explaint to them that the account belonged to my ex-husband and he filed bankruptcy last year and that the account was not mine and should be removed from my credit report. The company stated that I was responsible for the debt because I was a secondary card holder. I was not aware of this, nor did I authorize anyone to make me a secondary card holder and advised the company of the same. The company said it did not matter, i was still responsible.

i sent a formal letter disputing the debt and requested information or documents that verified I was a card holder. I waited the 30 days and recieved nothing from them. When I called them, they said they were not participating in the dispute and that I was still responsible for the debt. I told them that they had to send me proper documentation proving validity pursuant to the FDCP rules. They stated that I needed to send a separate letter requesting the documentation. So, I did. They then sent me a "print screen" that had my ex-husband's information on it and my information on it -- including my current last name (spelled wrong) which was not my last name when my husband opened the account. They also sent statements that did not contain any of my information or name on it.

I called them and stated that I did not think this was valid proof that the debt belonged to me. They said I needed (again) to send a separate letter asking only for a copy of the original application. I did. They sent me the same "print screen" document that they sent before. I called them and told them they did not send me the application as I requested and the company said that the account was applied for on-line. That is not true; my ex-husband filled out and signed an application form at the business location. I told the company that and the woman proceeded to argue with me that I as wrong. They are still refusing to take the debt off of my credit report. this company is awful and it is very frustrating to deal with them. I have more information to give with them being unfair and possibly unlawful.

Then next day I receive an email letting me know that I have been approved for the PayPal credit card. I did not authorize the resubmitting of my personal information nor was it disclosed to me that it would be resubmitted. I do not believe that a company has the rite to keep your information and resubmit it for a line of credit after they have told you that it could not be processed and for you to try again.I called the customer service center for GE Money Bank and explained my situation and told them I wanted the account closed and the information removed from my account. They told me they would close the account, but will continue to report it as a closed account.

I am under wage garnishment from the State of California due to an overpayment of benefits they extended to me, which I have been paying back monthly for over 2 years now. After the more serious part of the economic crisis hit California this spring, the department called in the entire amount of the balance leftover, in the form of a wage garnishment.

When I questioned them about it, their response was that I had missed 2 payments over seven months prior to the current date. I asked them why they would consider that a reason to garnish my wages when since that time, I'd been paying them the agreed-upon amount, monthly.

A wage garnishment is reserved for cases when the customer refuses to pay anything, or cannot be located. Also, it would seem that the interest fees they were charging were intended for that purpose. They had no response to any of that, and instead said the agreement was now broken and that was it. In effect they were looking for a way to collect the entire amount of the loan as quickly as they could. I objected to the amount of money they were taking out and formally filed a claim for exemption, due to my cost of living expenses. They relented and offered to take out $200 less per check, which was more acceptable to me.

The monies past that amount which the state had already taken out of my checks will be retroactively paid back to me, by the middle of July. Until that time, I needed to make arrangements with my creditors (utilities, etc.). Southern California Edison, Sprint, and Time Warner Cable were all very willing to extend my due dates to the end of the month, with no added late fee.

I called GE Money Bank and explained the situation to a representative. I informed him that I would be able to pay half this month's balance but could resume the normal payment schedule on the next cycle. The gentleman I spoke with said that would be fine, entered the conversation into the account notes, and told me that it would not affect my account. We hung up and the next day I made the payment as agreed.

Three days later the company was calling my phone three times daily. When I picked up the third time wondering what this was about, I was shocked to find out that the arrangement I had made was null and void and that they did not understand why the rep I spoke with did not tell me differently. The only "accommodation" they were willing to offer me, even after I'd escalated the call, was a "hardship" program - which still would have required me to pay the entire past due balance upfront before admittance.

I explained to both representatives I spoke with that this was not the issue and that I did not need a hardship program. I only needed at best an extension on the due date for the current month's balance, although since this is a "revolving account", I would have actually hoped the company would allow me to make the partial payment and resume full payments on the next cycle. But either way, no one would budge.

In this time of economic uncertainty, when most advisers suggest attempting to negotiate financial difficulties with creditors, it is unfortunate that GE Money Bank is unwilling to comply with its customers. I recommend NEVER signing a contract with this company, as months down the road, your debt will begin to stack against your favor and into the hands of this greedy institution. Not only do they charge hefty interest and late fees ($30 late fees), but as I've detailed above, they will not work with you when you experience even a temporary setback. Disgusting.

GE Money Bank attempted to take two very large payments from my checking account even though I agreed to only one. My account now has a huge credit balance on it since they took double the payoff amount. I talked to three or four different customer service associates...some of them even spoke English. They said that because it was such a large sum of money it would take time to investigate. What a bunch of morons.

A few months ago I recieved a letter in the mail stating that my credit had been reviewed and They would have to lesson my credit limit by $400.00. This was not a big deal. I figured they were doing this to everybody. Today I get a letter in the mail stating that my account has been closed. The only reasons given are 1. Present or past due delinquency on trades. 2. Months since last delinquency. 3. Number of trades with delinquency in the last 12 months.

I have had no delinquencies with them or any other credit card companies in over 7 years. I checked my credit three days ago it's at 628. Not to bad of a score for these times. I was recently approved for a car loan 1 month ago. I do have an issue with my mortgage that is being handled through an attourney who is dealing with my lender. My mortgage is being forensicly examined for preditory lending.It seems that GE Money Bank has no problem with this practice. I've spent over $10,000.00 and I've never been even a day late with a payment. For them to be able to close my account seems unfair and criminal. I don't mind not having the card. The issue is whenever an account is closed on your credit it affects your credit report.

Letters have been sent regular mail and certified mail since 3/20/09 due to an issue that occured over the last couple years at Pearle Vision, I was told not to make payments until they resoved my issue. Issue still has not been resolved they sent me a bill in May I tried contacting them on 7 occasions via phone that I still did not have my issue resolved, they could not give me an answer I told them I would mail the payment but this was not what they agreed upon and when they got the payment they said it was one day late chg'd me a fee and still has not addressed the original complaint as the said they would. They say I owe 4 times my payment, and I have been a nervous wreck trying to call and get this all resolved spending my own money and time to follow up on a promise they made to me

When I reviewed my account, I saw that GE applied my payment as only a partial payment to my balance instead of the agreed upon full and final settlement of this account. I am requesting that, in accordance with the accepted terms that this payment was made under, that this account be reported to all credit agencies as closed and satisfied in full and to receive a letter stating that the account is paid in full with my credit in good standing.

1)Regardless of which i amake my payment to, i receive an overdoe notice for 2 months or more

2) carecredit/ge money bank will not chanfr my due date (esplained fixed, date specified social security)

2 years ago my 2 year old son needed teeth removed. I have very good insurance but my portion was still a large amount of money so my dentist suggested I apply for Care Credit. I did and with my very poor credit history they denied me. I turned to my sister inlaw as a co signer and was given a card with a 5300.00 credit limit. After about a year I also needed extensive dental work and had paid off my balance without ever being late. In that year I had paid off some very large bills and raised my credit score quite a bit.

Care Credit reran my credit and lowered my limit due to a loan I had taken out to purchase my vehicle, which I understood being that I now had another bill. I went ahead and had my dental work done and my bill was about $2700.00. I went with a longer promo being that I planned on paying it in full come tax time, again I was never late and always payed more then my minimum balance due.

In April 09, Like planned I payed off my balance of $2500.00. Being that my dental work had to be done in 2 stages and I had payed the first part off I went in for my final appointment. I charged $570.00 to my card. At that point I was very pleased with Care Credit. About a month later my fiance had needed to make an emergency appointment and we used another $200.00 to get his partial fixed. Still never been late and always payed more then minimum due. A couple of months went by and was making a payment when I noticed that my credit limit showed $0. It kinda confused me because just a few months prior they sent me the letter explaining why they had lowered my limit to $3300.00 due to them rerunning my credit.

So I called the customer service number to see why it was showing that I had a 0 credit limit now. The person I spoke to first told me that my account had been closed. When I asked why they said they couldn't tell me why just that it was closed. So of course as anybody would I asked if I could speak to someone who could explain to me why. They told me there was nobody that I could speak with.

I being a manager know better then this so I asked again but this time I asked to speak to their supervisor. When the supervisor took my call I asked if he could help me understand why my account was closed after almost 2 years of never being late and paying by balance off early? He explained "that due to the economy being the way it is, they had changed their criteria on who they give credit to,and after they reran my credit again I do not meet the new criteria." Now this didn't really make sence to me being that my credit was very poor when they first gave me a 5,000.00 credit limit with my cosigner.

And since then have raised my credit score almost 200 points by paying off old bills and keeping up with current ones. I explained that I could understand the new criteria for someone who is maybe applying for a new account, but to completly close one that has a perfect standing with them for over 2 years didn't make much sence to me. I then asked if this was going to show up on my credit report? He said "of course, it will show up as account closed due to creditor". I have to say that was when I got a little angry. i explained to him that I had worked very hard for the last 2 years repairing my credit and that they had no right to put that on my report when I had done nothing wrong.

I then asked if it would show up on my cosigners report as well? He said again " Of course it will." I have to say I was shocked at this. I explained to him that I had done nothing wrong in the first place for them to close my account but to put that kinda mark on her credit report let alone mine was not right and that I did not want them to report that to the credit agencies. He said that they have to. I am sure there are many other people out there that know how hard it is to fix bad credit, and I have worked very hard to fix it, and for these people to put another bad mark on my report and my cosigners report when I had nothing wrong can't be right. Is there anyone that can help?

Since early 2007 I have had credit monitoring. later in spring of 2007 I got an alert about account delinquency. The delinquent account was mines with GE money bank.

What followed were more the 5 notifications on my credit about delinquency on my GE money Bank account, thus destroying my credit. most of this happen before a single payment was even contractually due. Currently, my balance is more then the initial cost of the carpet, showing no history of the down payment which was a 3rd of the overall balance on the account when first established.

I have been making payments to this company for three years, since 2006 and my principal on my loan has barely lowered. When I call to ask why, they tell me my payment was late and there were "fees". Even when I would make double payments, there would be more going to interest than the principle. I have called numerous times to pleed to them but they only care about how much they milk out of me every month. I try to refinance with a bank I use but, loans are not something they want to help their clients with these days. I figure the last three years, I have paid 6,000 and the loan has only reduced 3,000. Something is not right here...Do not use this company. If this news falls on you too late...contact someone like CCC to help you.

i moved in may 2008 and let GE Money Bank know of my new address right away, but they never changed it. Because my mail was forwarded from the postal service I got the bills, but if not for that I would have never got them. I called customer support, mailed the stub from the bill into them with my new address, went into the store itself to change it, and tried to access my account online. I was never able to access my account online because the employees that "helped" me over the phone were actually no help at all.

They had put my D.O.B. in the system wrong and my phone # wrong as well. I had called EVERY month, for over a year now, sometimes several times a month, and I spent so much time on hold, and got no help at all, any time that I called. Each time I was done being "helped" I was even more frustrated than before and more stuck. After a year went by and my address still wasn't changed on the bill, even thouh I had told them multiple times I was not getting my bills at all anymore. Because I was not getting my bills I didn't have the due date and I didn't know what the amount due was. I knew the bills were always due around the beginning of the month so I would make sure to take them the first day off work I had the first day of each month. Because the due dates changed each month I never knew exactly when it was due so I was "given" wonderful $39 late fees each month for the past several months.

They will not reverse them because they say they can only do that one time per year. I had no idea I had even been charged anything, but then again the employees have never been any help anyway. I will NEVER do any business with GR Money Bank again and I will get this card paid off as soon as I possibly can so I will stop being scammed. I have tried contacting GE Money Bank the past few days because I actually got my bill this month, somehow, and it says all those late fees are past due. I have been getting calls from a collection agency to collect for them, already.

Each time I answer the call and push the buttons that it directs me to and waited while it asked me to, just to be hung up on..time and time again. GE Money Bank is the worst company I have ever dealt with and I hope nobody has to go through this. Their customer service is awful.

To cut the story short I got both approval to get financing with the merchant.

First incident: When I bought 2 beds: for worth less than a $1000 dollar. After a month of waiting for the bill and the card, I decided to call their office thinking there was a problem with shipping adn it may have gone to another mail box. For unknown reason, I just did an auto debit/credit to my bank 12 equal(for 12 months)corresponding payments for the money used for financing the bed. 12 equal payment was completed by the bank and ended so I thought.

A couple of weeks or a month ago, I received a call ( actually a voicemail since I was not able to pick it up) from a GE financial collection telling me that I was delinquent of my payments. Immediately I responded to the call and found out that they are charging due to late payment. After knowing this, I tried to argue that since some payment are falling on weekends, my bank is unable to process it. I even argue that I still did not receive the card and monthly bills that I requested. The people on the other side ( meaning I did talk to multiple person and tried to let them understand )were rude and giving hasty remarks. Making the story short again, made me pay instead of less than a dollar due a whopping $385.

Second Incident: When I bought wood floors: same story but this time, I paid I think a month extra. I never received my extra payment. and since I cancelled all the card I can not get it.

I have not received statements on a regular basis and as a result have incurred many late fees. I began calling in February and also went on line to request e-statements, which I also never received. I have been following up every month, to no avail. On 6/15/09 I called again and after a 45 minute hold I spoke with an "escalation specialist" noted above. Not only was he rude and insensitive but he did nothing to resolve the situation and hung up on me. I called back and before I could get the ID number of the next "escalation specialist" she hung up on me as well. In the meantime I am not receiving paper or e-statements, the due date on the account has changed several times and I continue to receive charges for late fees (I have accessed my on line account) for due dates that passed without my knowledge. HELLLLLP!

I recieved my bill this month with GE Card Lowes Card. In the bill was a paplet with it stating there new rates. My card has been 8.99 since 2003. Now my interest rate is 24.99 didn't the president pass a law to protect us from this happening. I called G E Bank and they really couldn't give me a reason as to why this is happening. I am opting out and they can close the account. Is this how we are rewarded for paying our bill every month and never been late? Please there has got to be someone that we can report this to.

I am making complaint on my Daughters behalf. She purchased a laptop through Peach Tree Direct which uses Ge Money Bank. My complaint is on Ge Money bank. My daughter has tried to make payment to them from her debit card they refuse payment. So she mails them the payment and they post it late so in turn she is charged 39.99 and finance charge of 32.80. Her payment is $55.00. Since payment is now late they want her to pay 130.00 by July 9th.

They will not take any payment of any sort. They have returned partical payment and will not accept any other payment but the 130.00. She tried to make payment on phone but they said it was declined then told her about the 10.00 she needed to make the payment by phone. After she tried to make the payment. She has had lots of problems with this in the past. She has a credit limit of $2000. and owes 1814.13. This amount has never lowered and has paid on this for 2 years. The laptop is now history and the payment on it will never go away. There has to be something done with this company. But what I dont know and I dont know how to direct daughter in what to do with this. Would like some answers as to where to go with this.

Being Sued by the law offices (on behalf of GE Money Bank) after setting up a payment arrangement on line for a monthly payment of $50.00. Then I made another payment of $50.00, 2 days after that I received a small claims summons for court. I called and spoke to Cynthia and she informed me that Holly (first one I talked with in regards to setting up payment arrangements) was new and did not know what she was talking about. They wanted $75.00 per month. So I made another payment of $50.00 to cover the first payment and the second one so the total would come to $75.00 per month. Cynthia also informed me they "could garnish my wages and freeze my assets and bank accounts". (I am a realtor and have been struggling just like the next person.

I have asked GE Money Bank for help in lower my payments but each month they were charging me $39.00 per month for "over the limit fees" I purchased a bed and had a year to pay and they added on the whole year of interest and that is what made it over the limit. The last conversation I had they were going to send me a letter in which I was to pay $240.00 and then I think it was $40.00 per month. That never happened. now I am dealing with being sued and yet they have the amount wrong)

The last person I spoke to was Laura and she wanted me to pay $94.00. They kept increasing the monthly payments on me. I finally answered the court papers and will be going to court where I will need to ask the court to decide my total bill and if I can please make monthly payments that are affordable to my family. I have been getting very sick and suffer from depression from this and feel that the law office violated the collection act by using scare tactics to get me to pay more.

I did request the original contract and other things from them including copies of the recording with the three people. The amount I first started out with was between 2400 and 2500 now it is over 3700. The $25.00 a month. Can anyone help me please?

HSN changed their credit card company from GEMB to WFCB effective 1/1/2009. I ran my credit report on 4/3/2009 and found that GEMB had reported my account status from pays as agreed to 120+ days late beginning with the date of 01/2009. That's impossible because the credit card company was changed effective 1/1/09.

I filed a dispute through Equifax on 4/3/2009 that this report was incorrect because my account has always been reported as paid on time, and how could I be late on the day the account was closed through GEMB? I received the reply and GEMB said their information was correct.

This is very frustrating for me as I was never late on this account and my credit report shows that. So consequently I filed three more disputes with GEMB on 4/13/09, 4/25/09 and 5/18/09 and the last reply received on 6/17/09 said their reporting was correct.

I am at wits end at this point. I have called the GEMB phone number and have gotten no where or even been given a chance to speak with someone who would have the authority to make credit rating reports to the credit bureau agencies. GMAC reported my account accurately through the other two rating bureaus.

I have made several phone calls to Equifax and as of 6/16/09 this problem has not been resolved.

However, I will call Equifax again in the morning. I also sent a letter to place a comment on my file regarding this account but I still don't think it is fair for a bank to report false information.

i had a way over due account which was my dads payment to begin with , it was in my name but he made payments till he died last year . i made a few then could not keep up . got many calls for a few months . then i finally talked to someone, and was made a buyout payment offer of $346 and was told that would settle the account . but now was sent aletter saying i still owe over $1000. CAN YOU HELP ?

I don't care about their card although I do like to shop at Belks, I have other credit cards. I would like for my credit to be corrected on my credit report. I personally think GE Money Bank should straighten out their own problems, as a tax payer we should not have to bail them out.

Made a late payment. Received phone call and immediately made a phone payment with Mike for which I was charged $15. I would have made an internet payment but Mike said the $35 late fee would be waived. I have continued to receive calls from GE Money stating a payment is due (incorrect amount of course). I have spoken with 3 reps and all assured me I would not be continually contacted regarding this matter. Nicole was the last, we'll see if she was truthful or not. Don't get a GE Money Card. If you forget a payment they hound you and are very rude.

i got and home improvement loan and was told it would be deductible on my taxes.At the end of the year when i asked about it they said whoever told you that is wrong. Then i pay 1000 on my bill and it goes up i called to pay it off they said have to have a check cant use a debit card or a balance transfer. I sent in and xtra 100 on the account and got 3 dolars credit the rest went to finance charges. I work for a credit crd company and have never seen anything like this before. You can never pay them off.

Payments due on the 15th of each month. Payments made in a timely manner on the 7th of each month. On the 16th of each month a late fee charge in amt. of $39.00. Also APR drastically increased. Tried to call - people are in India. I don't understand them & they do not understand me. Written letters for explanation but no response. They call an average of 3 times daily even though account not past due (they want us to pay the late charges which have accrued to a very large amt.)

These people are rude and obnoxious. They accuse me of things that are not true and then they close your account. You call them and they demand things. I just discovered they closed my Walmart card and I have been making the payments. They need to be shut down or stores not using them. They are horrific. They have my credit report a total mess.

I purchased a sofa from Lane Furniture. They use GE Money Bank for their credit. we used a one year differed payments and interest. the interest will accru at the end of the term. the contract stated the balance was due by January to avoid additional charges. We paid the bill on January 27th. We kept being charged for the interest. We explained to them that we paid by January. The called 3-4 times a day and sent several letters. they would not remove the charges.

I sent a dispute letter and they stil turned me down. they then sent me to collections. then they damaged my credit due to late payments and failure to pay bill. my credit got so bad, it prevented me from cosigning for a collage loan for my daughter.

they tried to rip me off and then damage my perfect credit. this caused stress and fighting with my family.

In September 2007 I was in dire need of some dental work and was advised by my dentist to apply for Care Credit to pay for services since I didn't (and still don't) have dental insurance. I applied for, and was granted $3000 with 3 months interest free.

I used $1800 total for my dental work. I sent in the 1st payment 5 days before the due date. The next bill I received had a ridiculous late fee as well as huge interest fees. When I called customer service I was told my payment didn't post on the due date. I argued that the payment was RECEIVED by the due date. She didn't disagree but said since it didn't post until after the due date that the interest free offer was now void and the extra charges were due.

My payment doubled (over $300)and I was unable to pay even the minimum amount. In the meantime my home went into foreclosure and they kept adding more and more fees. My total is now $2900! GE money has sold the debt to a collection agency called Apex. Now I'm being threatened with a judgement. I told the customer service man that I was currently trying to work out a mortgage modification and am struggling to keep my home and basic needs met. He was completely unforgiving AND rude.

Being bullied and threatened by collection agencies should be outlawed, especially in these trying times.

I was so upset, as I had been previously told by System Paver's salesman, the payment would not be more than $300.00 a month. GE Money customer service, Byron was extremely curt and rude as he informed me GE couldn't and wouldn't help me, due to the fact I was not considered hardship and my account didn't qualify for a reduction in payment. He then told me not to make payments for more than 3 months and perhaps they would review my account. I said, "That will effect my credit!" He again said, VERY rudely. " YOU don't qualify." He then hung up the phone.

I am making payment's as high as $900.00 a month. The payment's are killing me, the interest is over $350.00 a month. I will be paying this bill for the rest of my life. I was under the impression it was going to be a loan, not put on a credit card. I thought for sure I could write off the interest as was told to me by the salesperson of System Pavers.

I paid my Walmart Card and it was one day late because I do not get paid until after the due date. I called and tried to get GE Money Bank to change my due date and they would not. I had a credit limit of 400.00 on my Walmart Credit card. My wife had a six hundred dollar credit limit.

I had a long standing account w/GE Money Bank through Grossman's Bargain Outlet in New York and until 2008 never had any issue with them. In December 2006 I moved and updated my address. The account was unused until July or August 2008 when I apparently made a purchase of $81. I subsequently forgot about making the purchase on the credit card and recorded it as a checking account transaction. I received absolutely no correspondence or billing statements from Grossman's.

In December of 2008 I received a collection letter (dated December 11th) from Encore Receivable Management stating that previous attempts had been made to contact me to resolve a debt. I was floored by this as I had no idea there was an outstanding debt. The collection letter referenced a debt of $205, so clearly there were late fees included in the total. I called the phone number listed on the Encore correspondence and was advised that unless I had the complete Grossman's account number, they would not speak with me. They claimed that the Encore account number that appeared on the letter was not enough. The problem was that I no longer had the Grossman's card, so did not have the complete number.

I ran an Experian credit report on January 8, 2009 and discovered the charge for $81 listed for August, 2008 and saw evidence of late fees for September, October, and November 2008. During this time, I never received a statement. It was the first charge since May 2007, and the account had a $0 balance on it for the 14 preceeding months. Unfortunately, the full account number did not appear on the credit report and when I phoned the number for GEMB/Bargain Outlet in ElPaso TX, I was rudely informed that no one would speak with me unless I had the full 16 digit account number. I sent a letter detailing my attempts to contact both GEMB and the collection agency to Grossman's Bargain Outlet/GE Money Bank, with copies to Encore Receivable Management and Experian, on January 8, 2009.

I asked for a statement - and copies/proof of past statements - that were allegedly sent to me. I had every intention of clearing the debt but needed the full account number in order to do so. After all, they could not/would not speak with me unless I had the full number, how could they process and correctly credit a payment unless I could provide the full number? I received absolutely no response whatsoever.

On the evening of February 20, 2009 (a Saturday night) I received a phone call from Lance G of Encore Receivable Management and he was attempting to collect the debt. We had quite a long conversation where I learned that GEMB/Grossman's had apparently reversed my address change and had me at my old address again. They had allegedly sent billing statements there - none were ever forwarded however. Mr G stated that he would investigate the address problem and would advise that the account be removed from collections. He further advised he would recommend the late fees to be reversed so that a corrected statement for the original amount could be sent to me for payment. There was no update or any further action from Encore or Mr. G.

On or about April 6, 2009 I received a billing statement GEMB/Grossman's with a payment due date of April 8. This was the first statement I had received since May 2007 - 23 months! Of course, an additional late fee had been imposed. I phoned customer service and spoke with supervisor, Sonia. I again related my accounting of the address problems, etc. and agreed to pay the original charge amount of $81.69 plus a single late fee of $39 for a total of $120.69. Per Sonia, if I did this, she would clear the account. I paid my $120.69 on April 10, 2009. I thought the problem had been solved.

Within the past 2 weeks I received a collection letter from another agency citing an outstanding balance of $323 and on Friday, June 5th I received a billing invoice from GEMB/Grossmans which is due tomorrow, June 9th. This statement shows a minimum payment due of $15, on a total balance of $206.27. The $120.69 payment is credited on this statement. I contend that GEMB/Grossman's Bargain Outlet has not provided any proof of invoices sent between July/August 2008 and December 2008 when they initiated the first collection action. Further, they have not provided any documentation of previous attempts to contact me - including dates. I believe I have paid my bill and then some.

GE Money Credit (Paypal) is arbitrarily changing the due date on their statements to collect late fees. My statement in Feb was due 3/13, March was due 4/10, April was due by 5/5, and May was due 6/4. So thinking that it is due about the 10th of the month has caused me to accrue $39. late fees.

When I called to complain, they said that the days of the month change, so the due date changes. Nine days in 4 months? They are probably making millions with every day they move it up, and they know it. They will not waive the late fees, and they just arbitrarily move the due date to assure that you are late.

I heard First USA bank had a similar class action lawsuit. This is EXACTLY the same thing.

Cannot Return to Paper Mail Billing Method from E-Statements: Requests have been entered - no effect, Customer No-Service 1st-Line Reps nor Escalation Center cannot resolve the problem - Requests entered, but no effect. Payment Due date continues to change - If 1 payment is late, the promotional rate increases from 3% to 25%+. Possible liability to a higher interest rate and finance charges.

I was sold a account secuity plan for my Care Credit account in October 2008. As it was described to me and as I understood the details, I was to pay 65.91 FOR A YEAR OF PROTECTION. At no time, did I even imagine, I was paying that or some calculated fee PER MONTH. It was a total sales pitch that did not clearly state that it was a monthly fee. I received nothing in writing to explain it.

When I called to cancel at some later time and spoke with Sheryl, she convinced me to keep it and never making it clear at that time, it was a monthly fee. As I pay online and pay much more than the minimum payment, I did not look at my statement until early May. This began on November 1st. I have requested and insisted on a refund of 435.86 to my credit card.

I also stated on June 3rd to the supervisor that I would be willing to pay the first month as that is what I committed to and understood that I would be paying. This has taken far too many calls to resolve this issue. This Loss protection insurance is a total gimmick for the credit card companies to gain more income and I fell for it. I don't know where to turn to have this resolved.

GE Money Bank changed my due date without notifying me from the 16th to the 15th. Consequently, I was charged a late fee, even though I paid on the 15th. I wrote to them via email and they ignored me. I want these charges removed. If this is a habit of theirs, I hope you can file a class action lawsuit. That's the only way to get their attention.

i think the government needs to know what is going on, there has been numerous complaints with GE Money Bank; which the two companies go through for the credit. Hopefully someone will see these complaints and do something about this company.

When I called back and after being on hold for over 45 mintues I was told it would take 7 days and that the number I had called did not do the faxing it was done at a separate location. When I asked for the phone number to that location I was told it was "unavailable." When I called back after 8 days to again check on the status of the fax I was on hold for over a hour again. Once I am done w/this process I will never do business with ANY arm of GE for any reason. Am still to close a deal on a home refinacne that is on hold at present because GE Money Bank has been so slow at providing the requested information.

On November 7th, 2008.I electronically submitted my minimum monthly payment of one hunred & fourteen dollars to GE Money Bank. My payment was submitted before the due date and time specified on my billing statement,which was November 8th, 2008, before 5 pm.

During the latter month of December 2008, I received my billing statement from GE Bank and was surprised to see that my bill contained a higher minimum balance, late fees and finance charges. I contacted a GE customer service rep via telephone to inquire about the charges. It was explained to me by this indiviual that, "although I submitted my payment before the due date,the payment wasn't posted to my account until November 9th,2008. The posting was the day after the due date.

Therefore, you are considered late and you are responsible to pay all the fees imposed." I have been disputing these charges every month since December 2008. I have written the company's billing department and I have conversed with several customer service reps concerning this matter.

It is now June and this matter has not been resolved. While disputing the charges the company continued to add late fees to my account. As a result, my minimum monthly payment went from one hundred and fourteen dollars to three hundred dollars a month, and that amount continues to climb. GE Money Bank billing practices are unfair and I'm requesting assistance with this matter.

now 2 years later after making payments of over 1000.00 we still owe over 2000.00 and the insurance I am told is me not my grandmother. is there anything I can do, my grandmother just turned 100, and we are having a hard time financially, we have never charged anything on this card expect the hearing aid. I owe twice as much as we borrowed.

When I called and spoke to the supervior of GE Money Bank, he was aloof and rude and did not want to hear anything I had to say. This company is very unforginving and uncaring. All they said was," you were late on the payment, so you now owe all the interest for a year". I have never dealt with such a cold and calus person or company for that matter. We have never missed a payment as long as we have been married, 18yrs.

I made application for Walmart credit. I get email stating they don't have enough information, so they are denying credit which is a joke. My credit is impeccable. Actually they did me a favor. Seems the administrator GE Money Bank has numerous claims about them and their unfavorable business deeds. I would rather buy from another company and pay more than I would at Walmart than deal with this garbage.

Today I received a second call 5/28 from GE Money Bank by Ricky. Ricky stated he was calling from out of the United States. He stated unless I told him my full name he could not provide me any details to why he was calling. He asked in broken english for a John Brisk or something similiar. He gave me GE Money Bank telephone number. He kept pressuring me on stating my name. I could hear that the telephone call was being recorded by the beep in the telephone.

Someone needs to resolve this situation with GE Money Bank. I called the number back only to get a thanks for calling back. It lead to a dead end.

I have a wal-mart credit card with GEMB with a credit limit of 580 dollars. I have not used this card since before Jan. 2008. I always send my payment in early and for the last several months I have paid more than double the payment due. Last week I looked at my bill and discovered that my balance is 504 dollars. My last four payments have totaled 210 dollars with finance charges of approx. 35 dollars so where did the remaining 175 dollars go?

If it was applied to my account there is no way my balance would be 500 dollars. I called them and was told that no I had not used the card in well over a year and only had a few late charges but I have paid over 600 dollars in the past 16 months and my balance should at the most be about 200 dollars. They are supposed to send to me coppies of my statements dating back to Jan. 2008 and then I am going to sue them

Sent me terms that my interest rate was being increased and since I did not use the card I called in to tell them I did not accept the changes and they could close my account. The person I talked to said that it had been over 30 days so they could not do anything. When I told her I just got the notice, she told me that I got it in September which is not true. My girlfriend has it as well and she also just got the notice. They would not do anything about it even though it had been less than 10 minutes since I opened the letter.

Also, the bill said payment due by whatever date and did not provide a time until very recently. I assumed I could pay anytime that day but I was told it had to be before 5:00 eastern time. I was slammed with a $39 late fee!!! If I knew it had to be done electronically before 5:00 ET, I would have made sure I did that.

sending letters stated i am victom of identity faud said there was a paypal buyer credit account open by another person using my ssn at different street address other than mine. they wanted me to fill out affidavit with my ssn to clear matter up. i never started comclaint very concerned. last letter i would be expected to make payment on account per terms of aggreement. asked what was procedure to receive verification to activate account could not answer question

I have never left a balance on my card and have never paid a payment late. There is no reason that they should have done this. My credit score was lowered because of this. I called them and they offer no help with this situation.

Company is ignoring all my emails and letters and has now forwarded my account to collections. I wish to speak with the company president. My complaints are as follows: #1. Signing me up for a credit card when I was still medicated at the dentist. I also do not understand why the remainder of the bill was split up.

But on the final day company had already charged me interest and additional fees. "online ive help" could not explain these fees and told me she did not have access to my account. I called customer service but no one speaks English with the ability to communicate.

#3. I did send a double payment. [They] still marked my account as late and charged ridicules fees.

#4. [They] are still claiming my account to be late even though I have made consistent payments with the minimum I agreed to when you opened the account while I was standing medicated at the dentist.

#5. I have emailed several departments (and have the emails saved) and have written the department that deals with payment disputes. All [they] did was send me to collections.

#6 Why did [they] go under more then one name? Went under care credit ad GE Money Bank. Understand that since the remainder of the balance was split up I originally thought [they] were two different companies charging me two fees.

It is regretful that company has chosen not to resolve these issues. I will give everything to the JAG department at the Army. As of now I will only be seeking their advice. All [they] had to do was agree to the principle on the final day it was due. There was no reason I should have been charged any additional and intitian fines. Also, [would like] a copy of what ever contract I signed while at the dentist.

This company refused to mail me copies of my bill for six months. I made payments "in the blind" but they refused to send bills, call me back, and I could not log on since I never had a full account number (only the last four digits). On 20 April they called me to tell me that I was "past due." I hit the ceiling, told them to close my account, and give me an address to pay my balance in full.

They told me if I would keep my account open they would only require the principal balance of $780 and would waive interest and late payment fees. I mailed them the check (to their PO Box in Orlando) that day (20 April). They processed the check on 28 April, and it cleared my bank on 29 April.

There is no way to get a mailing address on their website. I do not know what my full account number is. They will not discuss this with me on the phone. I have mailed copies of front and back of checks to all three credit reporting agencies. How do I get GE MB to acknowledge this or contact me? There are THOUSANDS of complaints about GE Money Bank - is there anything anyone can do?

However, Between Friday May 22 approx. 7am to 10:30pm(CST) they called 4 times, 4 different people, and it continued today(May 23, 2009) beginning at 8:00am and I just got another call at 2:00pm(CST) which makes for a Grand total of 9(NINE) CALLS WITHIN 36 HOURS, There's got to be something wrong.

Any other Suggestions

As many others have stated, GE money bank lowered by credit limit on my Amazon.com account. My credit limit was 400 and it was lowered to $150.00. This also happened with an account that I had with Linen N' Things (which is out of business now). I am going to pay off my Amazon, and Walmart accounts and I will in the future check to see what bank a companies credit cards are linked with before I apply for credit.

GE MONEY BANK is the administrator for several credit card affiliations for prival label credit cards. Wal-Mart, Sams club, Lowes, JCPenney, Dillards, Belk, American Eagle, Kirklands, Lord and Taylor, Gap, Old Navy. Be aware that if the company goes in and closes or reduces your limits or makes changes to one of your accounts or any kind of activity, the will go in and make changes to other of your GEMB accounts.

Most regular custonmer service reps are not cross trained on any other GEMB product, however, the department that makes changes to your account status such as limits, and severe account changes, those individuals have access to ALL of your GEMB accounts with all the other clients. I had a problem with one of my accounts, and GEMB went in and CLOSED every single account that I had with them. I had never been late or over my limit or any derogatory marks.

GE Money Bank serviced my HH Gregg credit card I used for my special in-store financing. I have done this with other stores without any problem. With GE Money Bank I had two payments drafted in one month, the next month the due date on my payment changed, and I managed to incur two $39 late fees (which I have never paid a late fee before) If you try to contact them you are routed through an automated system into who knows where to never receive an answer. I WOULD NEVER SUGGEST ANYONE USE THEM UNLESS YOU REALLY WANT A DING ON YOUR CREDIT!

I do not have great credit like alot of people who have comments on your site. I have several credit accts. being paid through a consumer credit organization. I kept my Sam's Club Discover to have a credit card for my use. I have been paid on time except for twice. In the last 4 mos. I have paid $1300 towards the acct. But in April was my 2nd late pymt. in 12 mos. so they raised my finance charge from 9.87% to 27.97%.

I talked to several people in customer service who apologized but said they couldn't do anything but that if I paid on time 12 mos. in a row the rate would be lowered. My finance charge amount went up from $39 in Apr. to $107 in May. That is an increase of $67. In 12 mos. that equals $804. I can't affort that & asked if someone could help by lowering the interest rate. I was told no that no one could do that & when I asked for the person I was speaking with's email address I was told they don't give those out I would have to send an e-mail through their website. They also have lowered my credit limit 2 or 3 times.

Anyway they are the worst company I have ever dealt with involving credit card services. I will be cancelling my Paypal Buyer credit and Lowes card and will not accept any credit offers from anyone who ses GEMB. They also outsource their customer service and you get a foreign call center with people who do not even speak or understand English. I am glad to be rid of my relationship with GEMB.

I received a letter in the mail today that GE MONEY BANK has reviewed my recent payment hisory on my Amazon.com store card account and made a decision that my charge privileges have been withdrawn and my account with a $600 limit was closed. It goes on to say that the number of dishonored check payments made to my account has reached an unacceptable level.

When I first opened the account last July I made a typo error entering my payment bank account information for electronic payments which caused a returned check payment. It was my fault and I contacted them to apologize. I also made good on the payment before it was overdue. In September 2008 I also had a returned check payment for $12.00, but it's been so long that I can't remember why that happened. I also made good on that payment before it was overdue. Other than those two incidents I've always paid on time and usually more than the minimum.

I first spoke with "Sheba". I believe she was in a call center somewhere in India due to her accent. I asked to speak with a supervisor and was transferred to a woman who answered the phone "hello." I explained my case and was told there was nothing she could do. I asked her why my account was really closed as these returned checks were made good on before the payment was late. She would only repeat that my RECENT dishonored check payments had reached an unacceptable level. The last incident happened in September.

I will be closing on a new home in 3 weeks if this doesn't put a huge bullseye on my back before it happens.

I started increasing my minimum payment by 50%. I also began looking at my bill a little closer and see that I have been charged 39.99 in late fees and 72.00 in finance charges. I call them and of course I get transferred and wait, wait and wait. When someone answered they informed me I have late fees because of my due date and they could not change it. I said well it was initially on the 1st of the month so you had to change it! My arguement is my history shows I have been paying on the first. They changed my due date to the 29th. So, they are changing due dates to set up the consumer for late fees.

Secondly my initial rate was a reasonable percentage for the time I had the account. Yet as I looked at my statements I saw that my percentage rate was 29.99%. No notification, no nothing and her reasoning was because of the late fees and they canged the due date and set it to an odd day forcing the consumer into late fees.

Lasty, what they do to your credit report seems vendictive in a since. As you are racking up late payments because of the due date change, your credit score in being murdered. How are these customers ever going to be able to pay these people off or know thier actual balance with GE MONEY BANK?

P.S. They do not have any contact numbers for anything but customer service. My credit score decreased of course and because I am paying 2-3 days after every month and gets lower and lower affecting my quality of my life. I am stressing because in this economy I thought I was doing a good thing by increasing my payment and I am being punished for it!

I sent my payment in for April by check. My account was debited for the payment, however, my statement from ge money bank did not show a credit. Contacted the company, and they have no idea what happen to my check..they stated they never received it. Had my bank mail the copy of the cancelled check. Ge Money Bank states they will look into it but it could take any where from 10 to 15 days. In the mean time my account is going delinquent. Asked to speak to Corporate Headquarters, but all the individuals I spoke with stated there is no phone number for Corporate Headquarters. They're telling me there is no other place I can go to get this matter cleared other than I need to wait.

Oct 2007 my card was stolen in Sam's Club. Someone charged $501. on my card. I reported it and they investagated it and said It would b taken off. They took off the interest and never the $501. Again they investagate no reply. I call every month and they say they'll take care of it and they don't. Now the Fraud Dept is investagating (I didn't know it wasn't in the fraud dept hands before)...I don't know where to go from here

My Lowes credit card is owned by GE Money. If I mail in a payment, which I did GE has no e-bill record. Therefore they charge me a late fee, and then they use my payment and late fee for a debit, insurance fee and what ever I sent in is not applied to my payment and late fee so they stack on more late fees. And you are never aware of this. I owe more now than what the stove cost. I have a letter from Lowe's that has payoff ammount. GE Money says no way.

My score has increased 50 points since getting the card! They have now slashed my husbands credit limit and I'm sure will soon follow with a card closing. We have worked hard over the past two years to increase our credit scores and I resent anyone making a unilateral, unjustified action that affects our scores! We will be paying off my husbands account and not using GEMB or LOWES at anytime in the future.

I have been a paypal customer (Gebank) for about 10 yrs. The last 2 mos. they changed my payment due date causing late fees. how can they legally do this after all this time. I am on a monthly pension and can only make payments on the 3rd of the month. Do I have any recourse. Cannot get through to them using their phone#.

Almost every time I call to make a payment, they change their practices on what vehicle I can use to make my monthly payment. I do not have a bank account because of identity theft, I paid off my credit cards because I was tired of getting taken advantage of. My vehicle of choice is a Visa debit card, prepaid to avoid excess fees. I was allowed to use my debit card to make my monthly payments since approximately September of 2008.

Now all of a sudden they decide that no longer can I make my payment using my debit card, I have to send it Western Union. That adds over twelve dollars to my payment,not counting the inconvenience of having to wait in line, the added cost of having to drive to the location of a Western Union, etc. My only alternatives are sending a check in the mail or using a credit card.

I can't get a reasonable explanation from anyone and I'm just really sick of dealing with GE Moneybank, but I have no choice, because since I was financed through them I have become unemployed and cannot get refinanced by a more credible financial institution. I don't understand how they can expect people to be consistent when you don't know from one month to the next if you'll even be able to make your payment or not due to their practices.

Ge money bank is a joke I pay them on time and just like everyone else they **** on ya and cut your limit.I had a 500 dollar limit on my walmart card and made double payments then I get a letter in the mail that my credit limit was cut to 390.00 How convenient since my balance was 386.00 I guess as I keep pay-in it down they will keep dropping my limit till there is nothing left.The way I look at it,Its one less card I have to pay interest on.If that is how they want to treat the consumers that's fine they are the ones who are gonna go bankrupt not us so we should be glad.That's what you call free credit card counseling.Then you hear about the people going through ccc and ge sueing them.Since when is that against the Law?

On or about December 3, 2008 Triad Appliance Center closed their doors and filed bankruptcy, leaving patrons without merchandise they had paid for. I later discovered that they charged my account for merchandise I had not ordered, but had only received quotes for. I contacted GE Money Bank immediately to inform them and to dispute these charges. I received a letter dated December 11, 2008 acknowledging my account was in dispute. It further stated that I should not make payment on the disputed amount and that this would not be reported as delinquent to the credit reporting agencies, and that no attempt to collect would be initiated. The letter indicated that I would be notified in writing when the matter had been resolved. I have never heard back from GE Money Bank as to the status of this dispute.

In early March 2009 I started receiving calls from a collections agency concerning this account, at which time I told them the amount was in dispute and should not have been reported. I cited the content of the letter I received from GE Money Bank. I immediately called GE Money Bank and asked to speak to a supervisor to ask why I had been reported and was told that the initial dispute letter was not the one I should have received. Another letter was sent to me dated April 10, 2009 acknowledging that I made contact with GE Money Bank to dispute these charges, however, this letter, unlike the original one, requested further information about the transaction. I submitted the requested information along with all pertinent documentation. I have continued to receive collections calls and a letter from GE Money Bank attempting to collect on this debt, all of which is contrary to the promise contained in the earlier letters that said this would not happen while this account is in dispute.

In early May, 2009 I started receiving collections calls from an out sourced collections service attempting to collect on this debt. Out of curiosity, I checked my credit with the three credit reporting agencies and saw that this account had, in fact, been reported to the 3 major reporting agencies, contrary to what I have been promised by GE Money Bank account supervisors and the letters I have received from GE Money Bank. On May 13, 2009 I received a collections call from an out-sourced agency and when I explained that the account was in dispute the person that called told me this dispute had been resolved on May 5, 2009. I told her that I had not been notified of any resolution.

Again I called GE Money Bank and asked to be escalated to a supervisor to try to resolve this issue. The supervisor told me they have received all the documentation I have submitted, and on May 6, 2009 I received 2 letters from GE Money Bank acknowledging this account is in dispute and that no payment is due on the disputed amount, and that this account will not be reported as delinquent and no action to collect on it will occur.

I am eager to resolve this issue and I feel like I have been fair and cooperative with all parties concerned in this matter by complying with all requests for information.

Even though I pay on time, Late chargers are be added to my bill. Not just once But twice already!

I purchased some pirated software off of ebay. As soon as it arrived I filed a complaint with Paypal. This all happened in Feb. 2009. Currently, May 2009, Paypal has yet to resolve the issue with the seller even after I filed a police report, FBI report, etc.

GE money bank has been calling me sometimes 12 times a day trying to get me to pay them their money even though they are very much aware that the purchase is under investigation from Paypal. I have spoke to several of their representatives and managers over the last three months and they just don't care and want their money.

One of their managers told me I was stupid and should have know it was a fraudulent purchase. Just today one of their representatives told me that there is a process and that I had to pay them and they would refund me the money. After dealing with them and their representatives I don't know that they are smart enough to get me my money back.

DON'T EVER USE PAYPAL or GE MONEY BANK!!

Then he hesitantly told me that due to the economy, GE Money Bank was lowering credit limits on some cardholders' accounts. I said no one informed me that they were reducing my credit limit. He said you should have received a letter or notice. I said that I had not received a letter. Why would I have paid the $1000 if I knew they would slash my credit limit? That made no sense. He says it shows here that you were sent a notice. I said I did not receive a notice. Now the first lady told me I would receive a letter and she couldn't tell me why my credit limit was lowered, but the second guy told me that it showed I had been sent a notice. Apparently he was reading notes the first lady made on my account that a notice was sent out. They did not inform me that they were lowering credit limits at any time before I made the payment.

I made the payment to help my credit score, but now my credit score will lower because my available credit on the card is only $43 and the balance is about $1100. When I made the $1000 payment on the $2100 balance, I had over $1000 available credit and my balance had been reduced at least 50%. Now my debt ratio on this account is higher because they lowered my credit limit.

I have a credit card through PayPal that is with GE Money Bank. Avoid those clowns at all costs. My credit has been cut the last few months from $1400 to $700 and now $130. I was never late on payment and usually paid off everything in full or much greater than the minimum payment. I'm not aware that there would be problems elsewhere with my credit. They've been a joke all along.

I took a loan to get laser surgery on my eyes. This was in 2007. I am up to date on my payments however every single payment they take a $91.00 finance charge out of a payment of $127.00. Currently my balance is only down to $3,569.00 after paying for two years. This is just so wrong! What can I do?

I went to make a payment on my GAP credit card & noticed that my credit limit went from $450 to $100. I then noticed on my Banana Republic that it went from $450 to $200. While I have never been late with either and have been a LOYAL customer for over 2 yrs. now, they have adversly affected my credit score. When I called customer service they told me there was nothing they could do. It had to do with my credit scoring. The fact is my credit report is in much better shape now than when I first applied for the card. There should be something set in place so that credit card companies are not allowed to do this to those of us who work hard to pay on time or carry little to no balances on our cards.

Every credit card that i have from GE Bank the credit line has been cut or canceled. I have never been late with any of them. That's alright because i am going to file bankruptcy to start all over.

The payment was due 4/18 which was a Saturday. The statement says in 2 places "PAYMENT DUE BY 5 P.M. ON THE DUE DATE". I went online Friday evening 4/17, paid & my confirmation verifies that. My May statement came with a $39.99 late fee. I immediately called & "Sylvia" told me payments made after 5P.M. don't get credited until the next business day which would be Monday and my payment was made after 9P.M. Friday evening.

Nowhere that I can see in the small print, does it say that so I asked her to direct me to that rule. She said it says it when you pay online so I made a mock payment & it isn't there, either. Furthermore, the statement shows my payment as posting on the 19th which was Sunday and a late fee being assessed on the 18th, Saturday. It's just very wrong!! She did credit the fee saying since it's the 1st time I had a late fee she is authorized to do that. But, it's not over for me. Their operation is very unethical and I want everyone to know.

I started using this company's online billing after more than one occasion of them "not recieving" my payment, and charging me late fee and raising my finance rate to an unbelievable amount. I had copies of checks sent and date, according to them the U.S. post office must constanly lose their mail.

Recently, I went to pay my bill online, only for their system to tell me I was entering either the wrong account info or password. I tried using the system to reset these, buthad the wrong account info as well. I tried contacting them via phone and after many times of being put on hold for up to 45 minutes; they informed me my password can only be changed online and couldn't even give me the account number (not the password) after verifying SS#, address, phone and anyother personal info I could think of. They only could tell me to reset it online, but I can't reset it online without at least the account number, just one huge loop.

So, what's the outcome; they'll send the info to me via mail. The problem, the payment was now 2 days late( it was due on a Saturday, and the aren't there to talk to till Monday) and BAM!!! more late fees and right to credit reporting agencies. a large factor in lowering my credit score and now I'm having trouble getiing a mortgage.

I was shocked when I received a letter from GE Money Bank stating they were lowering my Sams Club Credit card to $100.00. I have never been late with a payment and always make a payment greater than the minimum. Luckily, I haven't used it lately so when they dropped my credit amount, I didn't exceed the petty amount they decided I am worth. According to them, my "credit characteristics" score is below other customers. I guess the fact that you pay your bills and are never delinquent just isn't enough. What a pathetic way of doing business.

I received a letter today that our Lowe's card had been closed. We have been Lowe's customers for years and always paid off our balances well ahead of time. It's not like we need to use the card all of the time, but I guess if you don't carry a balance, you're not valuable to them.

Our credit report will reflect that the account was closed by the guarantor which will impact it negatively, even though we were never deliquent. This is a travesty. It's difficult enough to maintain a good credit score with the current economic climate, then when companies like this piece of resort to tactics like this, consumers are being punished for GOOD payment practices. Of course, we're at their mercy and there's absolutely nothing we can do about it.

Word of advice to all consumers...do not do business with stores using GE Money Bank as their guarantor for credit accounts. You will ultimately wind up regretting it if you do. If you are doing business with them, pay off your accounts and close them before they have a chance to close them for you. Your credit score will take a hit, but not as badly as when they close them.

Partial list:

Care Credit

As i was watching an advertisement on the local television channel, I thought it would be a good idea to purchase a GE money bank card. No overdraft fees, what could be better?Please friends, let me explain to you the havoc that I have had with Ge bank. When I first purchased the card I made a 15.00 gas purchase. When I checked my balance a few days later, I was informed that the retailer automatically charges 15.00 for any debit tranaction and it would be refunded within 4 days. This was not a problem, however I would have had liked this information to be clarified in the contract or some type of document. I then beagn to think about the struggling economy and the single moms who would have needed that 15.00 to purchase food or milk for their babies.

I was informed there was no way this money could be refunded, I was told that once my personalized card was recieved, i would no longer have a problem. When I recieved the personalized card, I decided to deposit my payroll check onto the Ge money bank card. WHAT A BIG MISTAKE !!!!!!!

After noticing my balance was negative, I called the customer support center. The center's calls are handled out of India, so it is very difficult to understand the representatives. I was informed that a representative inadvertently spelled my last name incorrectly and due to this errror, my card was blocked, I must fax documents with a copy of my driver's license and SS#. I did this three times only to be told they did not recieve it.

After the fourth time, it was confirmed that the fax machine was in need of repair. At this point I had been on the phone for 3 hours. I asked if everything was ok, and was assured the funds would be on my account in the following morning. I checked my balance the following morning but was informed that the block was still on the account. I requested a supervisor who informed me once the block was lifted, I would have to activate the card and the funds would be placed on the account. However, she would disable the card once the funds were removed.

After activating my cards, my balance still indicated a negative balance. When asked to speak to a supervisor I was transferred to Customer Support to Lost Management 6 times for an average of 2 hours on the phone. I Began to think someone was playing a cruel joke. I had three supervisors place me on hold, then simply hang up after waiting 20 minutes for each one.Each time I was told I was in the incorrect department and assured that the supervisor would hear my concern without disconnecting the line.

After the 8th hour a supervisor informed me that although the block was lifted, when the deposit was madethe block was on the account, therefore the funds were rejected and would not be returned to the payor until 2 business days. I then called my payroll center who advised me that it will be a 50.00 fee for a reprinted payroll document in the form of a check. I was devastated. I was then charged a 3.00 fee for a card that was disabled.

I had two monthly statements for GE Capital (due to one optical company being taken over by another). Each month at the same time every month I wrote a check with one total amount - indicated in the notes section for them to put "X" amount to one credit card and the other "X" amount to the other card. I was thrilled when I paid them off in January of this year. However, I keep getting monthly bills from GE Money Bank showing late fees. I have called and written them. I told them today that I was going to file an "unfair business practice" complaint abuot GE Money Bank.

I have been reading from time to time about how GE MoneyBank has been screwing hard working AMERICANS who pay GE's bills by doing business with companys who have credit cards through GE and I decided that even though they havent decreased or changed my Sams Club account I nolonger can do business with such a corrupt company like GE. Beware GE not only will we hurt GE money bank but we will stop purchasing GE products as well

I have been reading from time to time about how GE MoneyBank has been screwing hard working AMERICANS who pay GE's bills by doing business with companys who have credit cards through GE and I decided that even though they havent decreased or changed my Sams Club account I nolonger can do business with such a corrupt company like GE. Beware GE not only will we hurt GE money bank but we will stop purchasing GE products as well

I had 3 open accounts with them, I paid off one account and then they closed it. The other two accounts they cut my credit limit in half, all of the accounts were in good standing and opened for long periods of time. Now my credit score is falling because of it. It is not fair that they can do this because they can. My accounts were always paid and in good standing.

I've had a Chevron/Texaco card for years. I had a credit limit of $1500. G E Money took over their accounts and my credit limit was lowered to $1396. I called to ask why and was told that a credit check was requested and now my credit limit is $360. Have paid on time(always) and usually for a minimum of $500. GE Money does things on whims of their own to mess with peoples lives. Would never deal with them if given the chance.

Late last week I received letters from GE Money Bank about my Gap and Lowes credit cards. Gap lowered my limit from $900 to $100 or $8 over what I currently owe and Lowe's simply closed my $3000 limit account which I owe $46 on. I contacted customer service for both cards and was told they could do nothing for me because the action was take on my credit report. That is fine, however, if I call and they both say "Thank you for being a card holder in good standing since 2000" I would think that they should know that I have never been late on either card, never been over the limit, or had any other problems. I have always used my Lowe's card if I needed to make an appliance purchase (washer/dryer/microwave) and the Gap for Christmas presents.

I was told to write a letter to consumer affairs in El Paso Texas, a department which has no phone and no names of people so I can track my letter(s) requesting assistance in reopening the account and/or increasing my limit to avoid over the limit fees on both accounts. I know my credit history is not stellar at the moment, but it always has been. I have been trying to pay-off and recover from the $25,000 in medical bills not covered by our health insurance incurred by my 2 year old son last year for 3 surgeries.

I paid that off and in November all of my cc companies started lowering my credit lines (causing me to go over limit on all .. one lowered the limit by $10,000 to force me to go over) and hiking my interest rates (GM Card to a whopping $31%) and montly payment amounts. This spring they started playing havoc with due dates and all. But GEMB has been the worst about my situation especially since I didn't owe them more than $200 between the 2 cards when this all happened. As of the closing of the account, my total amount of credit has droped by another $4000.

I sent out a payment for the full amount. My check was conveniently misplaced. When I called, I was told to just send a check for the balance. I did that. I was then charged 375.00 in interest fees for sending payment after expiration of the promotional period. After several written letters I have gotten nowhere. The interest is now up to 400.00. After hours spent on the phone they will not remove the finance charges. I paid the balance in full. But now because of an error on their end I am gettin hit with charges which I will not pay.

The complaints continue with this company but they seem to be able to get away with destroying peoples credit. I had a Dillards Card that i really cherished because i used their Travel Agency. Had the card since 1987 and it was a Dillards Elite. Always paid on time and more than minimum. Had $7500 credit limit. One day out of the blue my credit limit was lowered to almost what my balance was leaving $128 credit. I was shocked and wrote and called them but no one cared. my minimum became too much due to lowering of my credit limit. Then they insulted me again by lowering it another $100.00 saying how much they value my business. I have never been so hurt. How can they treat people like this? How can they get away with it?

hsn used gemb for there charge co at the time i opened my account 12/08. During the same time they sold there business to world financial bank and that is who i made payments to . I have no balance and no past dues with either company but Gemb is showing my closed account on the credit bureaus as 120+ days past due and is destroying my credit scores and fico score. I have called at least 12 different #'s and no one will help me and refer me to the new co. severe credit damage/will not correct any credit bureaus even after months of trying and letter writing. have been denied credit and can't get a good mtg. rate.

GE claims I missed a payment on 4-05-09 which I mailed on 3-29-09. I got a call from GE saying I was late, I called the bank and GE had in fact cashed the check 4-03-09, I have a photo copy of the check. They still claim that I,m late doubled my interest rate and charged me 49.00 late fee. I have never missed a payment before and according to the canceled check I,m not late.

I purchased a mattress at Sleepy's and took advantage of the free interest financing promotion. My original monthly payment was $55.00. After 3 months, the mattress was defective and I picked out another one which was more expensive. They adjusted my monthly payment to $70.00. In a mixup of switching the mattresses, my monthly payment was late by 2 days. When I called GE they said that the promotion was terminated because of that, and I would be charged interest. I contacted GE in June to tell them I was leaving the country for 3 months and how do I handle the monthly payments. They told me to mail 3 separate checks post dated for the 3 months before I left. I did such, but they deposited all 3 checks at once and applied the payments to only July.

The next months I was charged late fees and interest. I contacted them several times to review this and was told that they can't look up previous notes and they only can see what the balance due is with any fees. They disconnected me when I always asked to speak to a supervisor. In December of 2008 I spoke with them and they said the balance due was $1490.00. I decided to pay it off, instead of dealing with their incompetence. I continued to receive bills for amounts I did not know what they were for.

When I contacted them several times again, they could not look back at previous phone messages but said that it was interest and late fees. One person told me I owed $45.00, so I decided to pay it to end this, which I did in March 2009. I am still receiving notices that there is a balance due and refuse to mail in a payment which I feel I don't owe, as well as, be diconnected and ignored when I present my problem.

I was alerted by equifax credit watch that there was some information reported by GE. I called GE and was told my account had been closed on 3/28/2009. The representative stated it was due the payment history reported by equifax. I told her there was no negative reporting history and why did they close the account. She stated I must contact equifax. Never late according to all reporting agency. Credit Limit 13000 and Balance due 4681. No notifcation from GE now I have a negative report closed by grantor.

Is this legal? This is terrible. What can i do who do I contact regarding this. Can I get an attorney

I have a credit card with GE money (master card) and when receiving my statement for this month, I found that my credit limit had went from 1,500 to $100.00. its a good thing i only spent $33.90 from the card. I called and customer service was very rude and told me it was because of my credit. I have excellent credit and for it to remain that way, i have cancelled the card altogther. Because of this action, this could have damaged my credit score if i would have spent more money on the card.

This past summer i pulled a loan for lasik eye surgery. The first few months i recieved invoices. The past few months i stopped getting them. I have called several times to make the payments and had asked to please send me the bill once a month. I even suggested that every other month i pay twice so that i would only have to deal with there crap every two months. In all my expirence i would suggest that no one goes through GE Money. The company is directed to F your credit score.

So far they haven't touched my Lowes or Walmart probably because they have a balance and the other two did not. They are lowering my credit score by closing these accounts and continuously checking my credit. We cannot refinance our house now because our credit scores are too low and I know it is GEMB that did this because all of this happened within the last few months and my credit was fine before this. Lowering my credit score; causing us to not be able to refinance our house now.

So now it is going to look like on our credit card that we have maxed it out, and will probably screw up our 700 credit score. The notice said it was decreasing the credit limit due to glitches in credit, Um, hello i just looked up our credit score last week, before we bought a new car and everything is perfect on there, We can get a loan for a car, but GEMB decreases our limit. Makes no sense! I will be paying this card off asap and closing the account, We have great credit and i am not letting GEMB screw that up.

I received my most recent credit card statement on 4-21-09 and was surprised to note that the due date had been arbitrarily changed to 4-30-09 rather than 5-10-09 and the interest rate increased to 26.99 APR. I have an outstanding balance of 1223.38 and have been making monthly payments of $100.00 or more on this account. I have one occasion of a late payment received one day after the due date when I posted it electronically. This occurred in November, 2008. I contacted them by phone and was told that they would remove the $39 late fee from my account. What I didn't know is they increased my interest rate from 20% to 26.99%.

I phoned them today to request a change in the due date of my account and a reduction in the APR interest rate. They accomodated my request to change the due date to the 2nd of the month; however, they said they would not consider a reduction in the interest rate until December 2009 at the earliest and they would not accept any request for a reduction any earlier than December, 2009.

I am concerned that the additional interest charges are excessive and will negatively impact my ability to pay off the remaining balance on this consumber credit card. I'm also concerned that had I overlooked the change in the due date, I would have incurred additional fees in the form of a late charge. There are pages of complaints (recent complaints) against the practices of GE Moneybank. They are an organization that does not seek to assist consumers in any fashion. I felt my request was reasonable and their response unreasonable. I will be doing all I can to pay off this account and will cease from doing business with any company which is owned / operated by GE Moneybank. I am concerned that their practices are having a negative impact on many consumers - some who may have few optionsa available to them to pay off their accounts quickly. What a gouge to the consumer!

I got this card because of some dental work I had done. Had approximately $800 in svcs done. I have had this card approximately a year and a half. I have paid them every month since I got these svcs. Well, I get paid on the 20th of every month and that is when I pay my payment online. I have never looked at the statement until a couple months ago, wondering if I was almost done with the balance. There due date was the 18th--I got no grace period-I know its my bad for not looking, but I have always paid.

They will not issue any credits and they wont change the due date for me. I have asked repeatedly. I have paid about $500 towards my balance and they have charged me about $585 in late fees. I cant believe they can do this! I am so frustrated by this, because I am not a dead beat. Dont they have to have some kind of grace period? This is so unfair, I am just sick that I did not notice this sooner. My bad for paying online and never looking at the balance.

supervisors wont help. Out of $585 charges in late fees, I got 2 credits for $39. I cant believe they can get away with this. They are ripping off the consumers. They should have to have a grace period.

I opened an account with Paypal..initial credit line of $220.00 since my credit history is less than perfect and this is one way of fixing my credit at a small scale..After paying my account deligently and sometimes ahead of schedules of payment..Iwas notified by mail that account was being cut down to $120.00 Naturally,I thought all along that i really tried so hard to show this financial company that i meant to fix my credit by paying on time every time..

My credit is continually getting hurt by their insensitivity and callous action towards the consumers.. Pay your bill on time and you still will be hurt by them. They go back to your past credit history and which they knew off hand when they granted you credit.

GE MONEY CLOSED my PC Richards Account for not reason. I was on time for payments and actually was paying more than the required minimum. I never received a letter from them stating that they closed my accounts I was notified via my reporting systems / TRANS UNION / EXPERIAN.

I called the (LACK OF) Customer Assistance line and they told me it was due to something that they found on my Equifax Report which is in DISPUTE.

I asked to speak to a supervisor which I was placed on hold for over 30 Minutes. She got NASTY with me and would not answer quiestions as simple as, "What is the name of the CEO of GE Money" she told me to just send a letter in to "To Whom it MAy Concern".

Now I have a black mark on my credit reports and they refuse to change it from "closed by Grantor" to "Closed by Consumer"

Now in a effort AVOID FURTHER DAMAGE FROM GE MONEY BANKS - I have closed all accounts with them. This includes WalMart / Ebay / Lowes / and a few others that I need to identify.

GE Money Bank sure had NO PROBLEM taking the BAIL / T.R.A.P. Money from the Govt and the taxpayers and it had no problem handing out bonuses to the Executives. I think that Bank such as GE Money Bank that do take these fund and turn around and stiff the consumer be looked into further and as for further action they should not be allowed to receive any further assistance or funds being they have lost the "PUBLIC TRUST."

Along with my actions I have written my House of Representatives, Congressmen, the White House to express my view and your should too.

To add I have filed complaint with the FTC, OCC, and BBB and those companies that are associated with them well I AM BOYCOTTING THEM UNTIL they sever ties with GE Money Bank.

IT IS TIME FOR CONSUMER TO BE THE CUSTOMER AGAIN AND STOP THE PILFERING OF THE CONSUMERS!

STAND UP FOR YOU RIGHTS AND TAKE ACTION!

Sorry for any mis-spelling but I am FUMING! ONE ****** OF TAXPAYER AND CONSUMER!

I noticed on my latest statement that GE Money Bank who runs the credit services for the Lowes Visa card, changed my due date without notice or warning from the 4th of the following month after the statement issue date, to the 30th of the SAME month of the statement issue date. I had automatic payments set up through my bank's bill pay to pay the bill at least two days prior to the due date, which was on the 2nd of the month. The due date usually fluxed from the 4th to the 6th.

I unfortunately did not notice the date change, which I'm sure they were hoping for, and charged me a 39.00 late fee and jacked the interest rate up from 4.99% to 19.90%. They bought the Lowes credit card services from Capital One about a year and a half ago. It probably drove them crazy I had such a low rate. The reason I had such a low rate is because I have an EXCELLENT credit record.

I did miss a payment back in October. They told me this is why they increased the interest rate. I still have not found that statement in my records, so I may have misplaced it or it got lost in the mail. After that, I set up my payments on a regular schedule instead of waiting for the statement. That is how they got me. My payments weren't on a set date before. They knew I was going by the statement. Once they knew I was on a regular schedule, they got me by changing the date to four days earlier which was two days prior to my scheduled date through bill pay.

I am upset I have lost the great interest rate on that credit card. I will not do business with them anymore. In one way they won, but in another way, they lost. I am paying off the balance and closing the account. I am also going to inform Lowe's of GE Money's business practices. I think it is a disservice to Lowe's customers.

I am concerned they might submit a bad report to the credit bureaus. I will submit a letter to them, but am not sure if that will be enough. I have a good credit score, hopefully it will not be tarnished by this.

She had no clue so I asked for a supervisor. Said the same thing to her and she stated to wait for the letter from them to see what was weighted. Well like everyone else the report came from Equifax and it stated #collection accounts (which I am paying one acct currently in collections), average credit utilization on revloving trades(no idea what that means) and age of oldest bankcard trade(again no clue). She said I could dispute the change by sending in the documentation to prove my case. Kind of hard to do when I have no clue as to exactly what they are looking for. My account with PayPal Buyer credit was only $250 not $2500 and they dropped it to $100. I just don't get it - I guess at this point there is nothing I can do.

From what I read on this site I guess this will have a negative effect on my credit report and I won't have the ease of making purchases with companys I order from on a regular basis.

Just like everyone else here, I have several accounts through GEMB, mostly retail credit cards. I ALWAYS pay well before the due date and more than the minimum amount due. Well I went online to check to see if my latest payment had posted yet to my GAP account and low and behold, my credit limit had been dropped from $1200.00 to $100.00. My balance at the time was only $32.76. I called to ask why and got nowhere with the robot on the other end of the phone. I politely asked her to close the account. She states that there is no fee to keep the account open. I told her for what? What can I buy from the GAP for $100.00? I have always paid you on time and more than what you were requesting and you reward my being a model customer by lowering my credit limit to almost nothing. No thanks, I will shop elsewhere and you can have the credit card. I then went on line and paid the balance off and I'm done with them. If they lower any of my other cards which all have $0.00 balances then I will just close them as well.

I have an account with Ge Money for CareCredit. Recently I wnet to the dentist to have some work done and tried to use muy credit card and was told that it was declined. As soon as I got home I looked online at my account and the credit available had been changed to $0.00. I have always paid on my account as I should. I was not given any notice that my account would be closed.

When I called the lady told me that the company had closed the account and it would appear on my credit report as Credit Line Closed-Closed by Credit Grantor. Which will be a negative thing on my report. Then she stated that I should have received a letter in the mail, well I didn't. I informed her that I would be filing a complaint with consumer affairs and the BBB even if it doesn't change anything the company will have a complaint in the BBB system against them. She asked if there was anything else and hung up the phone.

I opened my Chevron account it started with $500.00. Over time they increased my credit line to $1500.00. One day I received a letter for GE Bank that handles Chevron credit cards, stating that my line of credit has been dropped to $100.00, emphasizing that my account its still open. What is going on, the balance on my account it was $0.00 why the decrease credit line on a paid off account? Naturally that question was not answered when I called GE Bank.

Negative impact on my credit score.

i opened a care credit acct thru gemb back in 2008. i have just received a letter from gemb that they have closed my acct due to delinquencies and some other nonsense. i have made all of my payments on time. i even check on my credit report and there is not 1 late payment. they have now reported this acct to the credit bureaus as closed by them which will greatly affect my credit score.

GE Money Bank sent their first message, stating they were lowering my line of credit for my Walmart card by half. Even though I was paying the minimum or more by bill pay at my bank, they continued to take another payment out, causing, at times, for my checking account to be in overdraft. I have never had any luck in contacting them, yet Walmart says they don't handle their payments.

Two weeks ago, after making a pay-off payment, they again attempted to withdraw a $30 payment on a checking account I staarted to close, causing 3 overdrafts (as they attempted 3 times, then sent me a letter saying they'd closed my account for good due to multiple overdrafts. I will never shop Walmart again.

I have been on medical leave of absence for 3-4 months, and am receiving only 1/3 of my normal pay. I would certainly have paid my bill with online banking ontime. This will hurt my credit rating and I've been working hard at building it up.

Stay away from GE Money! They will always try to swindle you out of any amount of money on top of the fact that they are lowering limits like crazy right now. I bought an Outlander 800 back in September of 2008. Everything was fine, and I then proceeded to purchase a Snowplow and winch. With that cost being around $850, I figured I'd pay that off with my tax money. Not so easy! I first called and talked with a representative, and they stated that they will allocate any additional amount sent in to cover the higher interest rate amount of $850, which sits at 17.9%.

So I send in the amount of $1543.51 on Feb 27th, 09, and an additional amount of $1500 on 3-10-09. NEITHER WERE re-allocated to the higher interest rate. Now what is 4 phone calls later, 5 representatives later, I have no confirmation that this is going to be done, and Lannette, the second to last one that I spoke with got mad and HUNG UP ON ME!

I then called back and spoke to ROSE, employee ID 600779, and she had a very calm and sweet voice and said she would take care of everything. I re-explained what I wanted done, and there was still no confirmation that they could do anything, but that I will be able to see it on my next statement. Are you kidding me? I have to wait again? What about the $100+ in finance charges from that higher interest rate? Money that I lost now.

Just stay away from GE MONEY. Go to your local bank or anything but doing business with them. Save yourself the headaches, and don't buy in to their bad business. They are a loser company, that needs to be put out of business.

They should be closed down.

GeMoney Bank is a real ripoff!

I hit the roof when I discovered the amount of interest that I had paid during 2008. With me being so busy working and paying the bills as they arived, I had no idea that I was being screwed by GEMB at the same time. I was trying to get the loan paid off as quickly as possible by paying from $500 to $1000 per month. Little did I know the reason that my balance wasn't dropping like it should especially when I was being taken for around $175/month in interest.

It should be against the law to be able to charge someone such a high interest rate like 28%'

Companies like this should be the ones going out of business, not the hard working individuals who keep them up.

I have always made all of my payments to Lowes Credit on time and had a $5,250 credit limit. Over the last year, I noticed that as I paid my credit card down, my credit limit would decrease. I paid my card off at the end of March of 2009 and went to use my card today (4-16-09) only to find out that they had closed the account with a $250 balance due. Without any notification what so ever, my account has been closed, which effects my business since I used this card to purchase materials for various construction projects.

The closing of this account without any notification has caused a decrease in my credit score by decreasing the amount of credit available to me. I would like my account re-instated at the $5,000 credit limit.