On December 14, 2010 I was offered a payment plan by GE Money Bank/(GE Capital Retail Bank possible name changed effective October 1, 2011). GE Money 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 at 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 regard 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 arounde $475.58 when the original balance on December 14, 2010 was $237.90. I immediately asked the representative to explain why the balance was so high. The representative indicated that $35.oo 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.oo monthly from my account? Then, I asked for the manager and the manager indicated this $35.00 charge was included in the initial plan. This statement is totally incorrect. It was never notified by GE Money Bank of the $35.00 deduction.
At this point GE has charged an extra $315.00 that is, $35.00 each monht and plus taxes starting December 20, 2010. I have attempted unsuccessfully to resolve this matter. GE Money Bank is charging money without people's consent or without providing any written notice. At this jucture, I have invested a lot of time and energy with GE Money Bank without a resolution. I have requested GE Money Bank to stop the $20.00 payment monthly that have been deducted on time every month and to stop taking money out of my bank account or stop using any card provide in the past for payment due to this issue.
As a result, I have decided to sue GE Money Bank in order to obtain justice. GE Money Bank has only provided an address which located in Atlanta, GA. It has being hard to find out if they have another address within the six district in Long Island or within the five borough in New York. I would like to find out what would be the correct location to make my complaint to the court of small claims. If you can help please e-mail me at firstname.lastname@example.org.
Thank you very much,