Complaint Rating:

Company information:
GE Money Bank / Care credit
United States

I have posted this on Consumeraffairs.com, have filed a complaint with the BBB in El Paso Texas, and I'm just warming up!!

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.
Now, here come's my real complaint!!!
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 representatives, 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!!


Economic damage: $15.00 and many hours of MY wasted time with GE Money Bank.
MILLION'S of dollars ripped off from the American public who actually struggle to pay their bill's on time only to be charged bogus and unfounded fee's by creditors!


MY opinion as posted on the consumeraffairs.com website