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GE Money Bank review: Cheating customers! 571

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12:00 am EST
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My promotional purchase (fees for dental service) was to become due on June 6/11/06. On 5/14/06 I had my credit card send an electronic payment for the entire principle of the loan. I have the confirmation number of this transaction. For some unknown reason, which GE Money Bank has refused to explain, this payment was returned to my credit card. Immediately upon the notice of its return, I sent a letter to them asking for the reason for the return of the electronic payment. I have the letter from my credit card company to substantiate this rejection. I then replied with two payments within the specified time. I was overseas at the time, and although I immediately made payment, GE Money Bank did not credit the payments to my account until June 17, 2006. Of course, this made the payment APPEAR to be delinquent. Since then, I have sent at least 9 letters, including documentation, called their toll free number numerous times. Each time I called I was told to put my complaint in writing. Each written response was followed with a form letter asking me to phone their toll free number. One representative suggested that I might FAX the information. I did this TWICE and never received the courtesy of a reply. Meanwhile, the account has been referred to a collection agency and finally to an attorney. The total amount GE claims that I now owe in finance charges and late fees is $2,126.76 ALL IN INTEREST and LATE FEES. Although the federal and state consumer regulations state that the creditor must answer written complaints within a specified time, this has yet to be done.

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571 comments
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Kim Kelly
GARDEN GROVE, US
Oct 05, 2010 11:51 am EDT
Verified customer This comment was posted by a verified customer. Learn more

To whom it may concern:

The reason for this letter unfortunately is not to tell you that I am not a satisfied customer. I had the pleasure of meeting your sales associate Matt on September 26, 2010 where I found a stainless steel counter-depth refrigerator, washer and gas dryer that I fell in love with. Matt was very helpful in explaining all the features as well as getting me setup for what I thought would have been a seamless delivery.

On October 3, 2010 at 3:43pm I received a phone call for the driver of your delivery company to inform me that they were near by to complete my delivery. I was excited and had a friend at home waiting in my garage to greet them and direct them to the appropriate rooms for delivery. The delivery had already began when I arrived approximately 8 minutes after the initial phone call, I proceeded up stairs in order to speak with the delivery men about the process. I was greet by two men who did not introduce themselves and when I asked about them possibly wearing booties, they responded because due to my wood flooring that would not be possible for safety reasons. I completely understood that portion, the men then proceeded to install the refrigerator and then began to bring the dryer up first. When they got the dryer into the laundry room they also noted to me that my drip pan for my washer was incorrectly installed from the builder. I was not happy about that and called my agent right away. When I spoke with my agent she informed me that she would take care of that portion and for me not to worry, but if I wanted to buy one and install it so that they can install the washer that I would reimbursed. With that being said I contacted my father-in-law who was able to drop it off, but not knowing how to install. I asked the delivery men there if they would be able to install the drip pan and they informed me that would not be possible. I conceded to the fact at that point I would not be having my washer installed on that day. The events that followed however that lead me to believe that had I been a man or perhaps Latino I would have been treated differently. While the men continued to install my dryer they informed me that they also had a delivery across the drive way with a neighbor who happened to be a Latino male that was also having a washer, dryer and refrigerator installed. When the men were almost complete with the install of my dryer they found that the dryer did not work at ALL! No POWER what so ever! When that was discovered it was simply said to me " good luck but you have to get customer service to come out here an help you, there is nothing left for us to do." When that was said I proceeded to walk down stairs to get some fresh air and I began to watch as they delivered my neighbors appliances, and when getting to the washer install they ran into the same problem. Only this time my neighbor went and got a drip pan, which I physically saw the delivery guy take inside and state in spanish that he would take care of it for him. This shows me that if I had been not only a man, but a Latino man I would have had my washer drip pan installed. After sitting in my car and attempting to call customer service with no success, the head of the drivers sent his co-worker over to speak with me, I suppose I was not worthy of his conversation. And the driver who had no idea on where, what or why I was signing asked me to sign papers with no explanation. I then asked them what the papers were and what should I do with my dryer that was BROKEN and my washer sitting in my garage, his response "I don't know, let me ask." The driver then walked to the lead driver and again instead of coming over to talk with me he sent the driver that had to customer service experience it seems to relay a message from him stating that "he did not know and I needed to find the number to customer service on my own and call." At this point the only thing I could do was say ok before I burst into tears based on my frustrations.

The following morning I called customer service again with having success this time I was given the number to a repair facility with the words being stated to me that there was nothing else that could happen except for me to call for repairs. I then asked to be transferred so I could file a complaint and I was hung up on. I then called back and spoke with a customer service person that before I could ask his name, I was transfered. To then be put in contact with another person who began to ask me a question and before I could answer I was transfered. To then the last young lady I spoke to and she stated her name was "Ally" with a very rude tone. I then proceeded to explain to her what I had just been through and she began to tell me "life is hard bad things can happen there is no need to complain". I was so upset at this point and I stated to her that "I am sorry that I have had a horrible experience and I am trying to explain it to you and it seems to be a bother to you.' Her response being that I was frustrating her and she placed me on hold for FIVE minutes to only return to ask me "are you calmed down now?" Wow I could not believe I was being treated like this by someone who is a part of a company that I paid for a service. In the end she told me I need to call the outlet store that there was nothing she could do and then hung up the phone without a simple good-bye.

I then phone the outlet store in which I made my purchase and thank heavens I finally spoke with someone who cared about me and wanted to help and apologized. Heather the manager at the Santa Ana location who was warm friendly and informed me that I could exchange my washer and dryer for a different set and that she would make sure that I was well taken care of, after I had rambled on about my experience. What a relief, but I must say that this would lead me to re-think my future purchase coming from Sears or Sears Outlet if this is how people are treated. I work for BMW and if we treated people that way we would not be one of the top luxury brand makers in the world! I do not expect people to wall over fire-pits for me, but to treat me the way I treat them with respect and if I am a customer that is a little disheartened and I do not swear at or threaten the employees should be willing to do what it takes to make a customer happy. This was not the case in this situation and I have great reservations about the products now that I own. The economy now is not the best so to spend this much money on appliances says a lot about a person, but will definitely affect my future purchasing thoughts. I would like to be contacted by a manager or above regarding this matter. I have been treated like a peasant, like I stole these items and did not pay for them and regardless if I spend $20, $2800 or $28000 people who are customers should all be treated with respect and like human beings!

Sincerely,

Kimberly V. Kelly

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EMMA
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Sep 09, 2008 10:35 am EDT

I have try tree times to buy the correct ge part for my diswhaser, one instet of a electronic key pad, they send me a [ [ [kik plate.] ] ] ]
The next time i call and explained the part that was needed and these time they send me, a module control asm,
And that is not the description a gave.
The description is. [:: the electronic touch panel, the one that gives the comands to the machine to :: off on, wash, fragil circle havy duty, etc.In the top of the door. It is like the touch panel in the telephones, the only thing is large and conects to the internal module.
And please i need a email to send you a picture of the part that i need. But in any place can i find a email that i can whrite to.
These is the first time i have a compling to ge other time i have excent serevice.

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B. Parks
Newton Hamilton, US
Feb 19, 2010 9:58 am EST

For almost a year now, I have been getting harassing telephone calls, evey 2 hours 7 days a week from GE MoneyBank. This is ridiculous.

First of all they made the error by taking a payment off my account which was supposed to be credited to my husbands account. Supposedly they corrected this, but they never did.

Now they are adding fees you wouldn't believe, over 20% interest and threatening me.

I am so sick of this outfit I could vomit. They should not be allowed to do the unorthodox things that they do, but, so far no one seems to be able to stop them or care enough to do anything about it.

Isn't there some "watchdog" to monitor lenders of this type or are we all just "victims" of their greed.

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Dane Emmel
Pueblo, US
Mar 04, 2009 3:11 pm EST

We have been a business customer since 1997 and although we are certainly not one of their larger customers we still have spent over $150, 000 in the last two years. We shop at Sam's and Wal-Mart because of the lower cost to us.

However, a situation has taken place that has put our company in jeopardy.

Our credit line is $25, 000 and for the past 12 years we have paid by receipt rather than by statement. This has always been beneficial to us since we pay all of our bills at the end of each week rather than a 30 or 45 day basis. We have always felt that Sam's as a company would benefit from this payment schedule because they would get their money that much sooner.

Approximately a year ago we noticed that the balance on the statement was always rather high and that there was always a service charge, we contacted GE Money office and they sent out several years of statements for us to reconcile with our records. What we found is that although we had paid all invoices we hadn't paid for annual card fees. We subsequently sent payment for said fees.

The first of March one of our employees was in a Wal-Mart store to purchase items for one of our residential homes (we employ developmentally disabled adults and have 8 residential homes for some of them) and was told that we have exceeded our credit limit. Our credit limit is $25, 000 and we just recently sent payments totaling $8, 188.77. I called their office and was told that yes they had received payment however since we send payments more than once a month our payments are held for 6 to 7 days. they have never had a problem with any of our payments for all these many years and we always thought that they as a company would benefit from such prompt payments and we had been completely unaware of the hold. The other problem is that service charges have been accumulating upon service charges since we pay all our invoices when incurred.

We are a company that relies on products from Sam's and Wal-Mart for much of our daily business. Apart from the residential homes and manufacturing facilities we have a full service snack bar at the company and furnish product for 300 employees as well as full service restaurants at a governmental facility and a state hospital.

We have been penalized for being a good customer. We don't understand their attitude, if we as a business gave the same lack of customer service we would be out of business in a heart beat.

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gudr
, US
Feb 01, 2011 1:29 pm EST

GE Money is disgusting.They design their bill so that you dont notice that your promotional deferred interest is about to expire..if they were decent they would alert you in a manner that draws attention on the bill one or two months before... instead the information is difficult to understand, see...they need to post a big red exclamation warning on the bill the month or two before that expiration date.

I wasnt even aware that I had one of these deferred interest accounts from that disgusting store Sleepy's who I had to fight with the CEO of that disgusting company who failed to replace a defective bed that I bought for my elderly parents. I owed all of $250.00 from an original bill of $1400.00 paid faithfully and because I didnt see the January 9th expiration to pay the final $250.00 off, GE MOney grub Bank charged me $204.00 additional dollars Now I owe $404.00 instead of the final $250.00..

GE disgusting bank should redesign their billing statement so that you dont miss this crucial information instead it looks so generic all I see is the remaining balance. How many millions of dollars are they making on people who dont understand or miss this information because of the way they design their bill? They are evil deceitful, mean spirited, unethical hated.If there is a Higher Power I have no idea why it lets these evil people get away with this and all the other evil people who are getting away with the worst sinful behavior

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Kyle in Waco
Waco, US
Jan 09, 2009 11:46 am EST

I had worked out a plan with my dentist to do $21, 000 work to restore my wife's mouth and teeth. The dentist, Dr. Cutbirth, is a wonderful man and his office employs wonderful people. I'm retired Navy and my Tricare Dental -- by the book -- is supposed to cover 60% of these costs. But once the initial payment was made, I only get reimbursments on my wife's check-ups. Bottom line, I am paying most of this payment. Something ain't right, and I will find out what.

Shame on you GE Money.

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Patricia a Wallace
, US
Nov 03, 2009 8:53 am EST

I opened an account with Rooms to Go and they use GE Money. When I tell you they are ripping us off please believe it. I paid my account off only to receive a bill in the mail with a late fee. I called and after a very long conversation with Bob I relunctantly went online to pay it off thinking this was a done deal. Two months go by and I get another bill in the mail with late fees and finance charges. When I called them and stated that I had paid it two months prior I was told that what I had paid previously was paid to different accounts that I have with them, even though two of the accounts don't even have payments due until 2010 and that it was my fault because I didn't call them to make sure my money was going to the right place. They were not going to take the charges off and I should make my payments on time instead of assuming that they were going to the right account. (GREG) Are you kidding me? They failed to do their job now I'm being penalized for it. When I called them back for the 4th time last night and asked where the other funds went since the payment had been split, I was told that the payment had not been allocated correctly but they refused to correct their mistake and take of the charges.

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Marsha Garmon
Lilburn, US
Aug 27, 2009 1:40 pm EDT

I recently used my Care Credit card for the first time in the amount of 556.00. I had faithfully made the payments early and had no problem till I had noticed the bill had been misplaced accidentally. I found it on the due date and decided to send the payment on line to Care Credit. I had no problem sending the payment and it was to be credited for that day. When I received my next bill I had been charged $43.00 late fee and it was placed on my account the day that my bill was due and my payment was not credited until the next day! This is a very disappointing practice! I thought computers payments were to be accepted the day they were received. I am planning on paying off the account and cancelling.

Marsha Garmon

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J Iglehart
Houston, US
Aug 12, 2016 5:34 am EDT

Payments submitted for late fees were not being applied to the late fee charges. According to the Billng Rights Summary, the consumer has to call and request allocation of payments to the late fee charges. My Jan 09 statement had a $58.27 purchase charge for late fees. I called and had an allocation for this payment applied to these charges. The following mos after that, charges appeared, customer service said they were handling it. Today, June 17, 2009 @ 6:40 p.m., a very rude young lady from the Dispute Dept talked to me as if I was a dog off the street, and I am 61 years old. She told me she couldn't see my information from Jan 09 on her screen, and no where in the statement of summary is she required to answer any of my questions. She continued to interrupt me and I continued to answer her back, she would not stop talking and then hung up in my face stating she wasn't going to argue with me.

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Sandy, Pittsburgh PA
Pittsburgh, US
Aug 11, 2016 7:20 am EDT

I too have had the same issue. I had 3 accounts in good standing with GE Moneybank, not missing one payment and one card was completely paid in full. Received letter that they are now closing all 3 cards due to Consumer Reporting Agency information, which I have no current deliquencies at all. Reason stated certain trade-lines close too limits. I guess paying bills every month on time means nothing any longer, you pay something off, gets closed. Yet we are bailing out everyone who took out bad loans, not paying credit at all, and banks that stole and gave bad loans. They should get NOTHING, all this has done is hurt all of the average middle class people that are paying bills on time suffer, while executives are partying at our expense. SOMETHING truly needs done with this. Pretty soon I guess credit score will have to be a perfect 850 to qualify for anything, meanwhile, those are the people who really do not the credit anyway. What happened to freeing up credit, seems banks are closing credit lines to the people who have done everything right. HELP US ALL

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Richard Maier
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Aug 10, 2016 5:52 am EDT

Lost my payoff payment of my account totaling $2239.76. Cashed it and now says they can't find it. Noone to talk to to get any satisfaction.

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Brooke Miller
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Aug 10, 2016 5:51 am EDT

GE Money Bank is the most unprofessional bank I have ever done my business with. I purchased a Four wheeler and the finacing was done through them. It was a disaster from the start. I bought the four wheeler a year ago and they are now finally sending me my first account statement.I had called several times(5-6) in the course of 6 months and they kept giving me excuses why I wasn't getting my bill. So since I wasn't getting a bill in the mail I would have to call and make a payment over the phone, which cost 10 extra dollars. I was told by the customer representative that was "helping" me that I couldn't pay the extra 10 dollars right then, that it would have to be added onto the loan.(so they could get interest on it) So basically they wouldn't send me a bill so that they could get extra money from me. The representatives were very rude and unhelpful. It was always very obvious to me that I was bothering them with my problems. Among this there were many more incidents. I will NEVER do business with this company again! They are liars, cheaters, and unprofessionals! Everyone I come in contact with will hear this story and I will guarantee will not choses to use this company also!

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Ri
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Aug 10, 2016 5:51 am EDT

I was suckered into this account by American Laser Center. Worse mistake ever. The girl at ALC told me my minimum payment/month would be $65 - uh YEAH it WAS for about 2-3months then it shot up to $95! WTF?! On top of that, I discovered that only ~35% of that minimum due payment was going toward my balance! The other 65% was FINANCE CHARGES! The APR is extremely high on this card as well.

I just recently had a problem with CC/GEMB. I made an e-payment to them for $95 & they sent me an email confirmation for the payment. I must admit, I was about 2 days late on the payment. However, about 4, 5 days later, I kept receiving these calls - they show up as 'Unavailable' on my cell (go figure). I answered the phone & its GEMB calling about a payment that hasn't been made. I told them I have made that payment; he said he would make a note of that & the call was ended. In the next week, they called my d#$n phone about 6 times, harassing me about a payment that I MADE already! Everyone says they'll "make a note of it". Obviously you're NOT making ANY kind of note if you keep CALLING ME! >:-( So they called me so much that I started wondering if I DID make the payment so I made another on for $98. Thats $193 in 2 weeks! Again another confirmation email! They continued to call me about these payments until I finally got fed up! Basically, someone on their end had not posted these payments to my account & thats when I realized that these fools hadn't even taken the money from my account! After I informed them of this & expressed my distaste for the continuing phone calls, they deducted the whole $193 from my account. What a HUGE INCONVENIENCE! If someone had been on their JOB & credited the payments in the first place this wouldn't have happened! Another problem I have with CC/GEMB is that - and this is by NO MEANS meant to be offensive & if it is, I am terribly sorry! - the callers that they have working there don't really speak English well, they all have heavy accents which makes it difficult to understand. If I, or anyone else calls in with a problem, we're already ticked off & to have someone talking to you that you don't understand & they don't really understand you is a nuisance sometimes & exacerbates the problem.

This company is a rip-off, so if you can avoid dealing with CC/GEMB, by all means AVOID IT! American Laser Centers as well! They trick you into these contracts & you're stuck with a multihundred/thousand bill with a high a$$ APR!

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Dave
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Aug 10, 2016 5:51 am EDT

I have been a long time jc pennys costermer. Faithful NEVER LATE AND UTILIZED MY CREDIT WISELY AND OFTEN. i HAD A 2650.00 CREDIT LIMIT WITH A 1600.00 BALANCE. I was notified they will be dropping my limit to 1325.00 . I have no lates and had no problems with them or any one else. I am now over limit and when i called they said its already been reported over limit.

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ursvon
Windham, US
Aug 10, 2016 5:51 am EDT

Sam's club converted personal charge card to a membership type card, yet kept charging interest and credit card insurance to the account. Has any body experienced this

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CIci
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Aug 10, 2016 5:51 am EDT

GE MONEY- Possibly the worst lending agency in the world. i have recently missed the first payment ever on a loan which the balance could be no more than 600. The monthly payment is 40euro (i keep meaning to clear the balance in full) and i recieved a phone call today saying i now owe them 100 euro because of the bounce! thats double my monthly payment. i am in shock. furthermore the way i was spoken to on the phone you would think i was in massive arrears wit them. my partner has also encountered severe problems with them and their lack of ability to help customers out during hardship.
Customers beware- they are a hard company to afiliate with and will have you black listed while your scratching your head...

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shoemake10
El Paso, US
Aug 10, 2016 5:51 am EDT

I have had a discover card with GE Money Bank for 3 years, never late on a payment. The renewal approached and they decided not to renew my card since my husband and I have graduated college in the past 24 months and are income has increased by 5 times we have more revolving accounts and have a higher debt with an over 800 credit rating. I guess I am not deserving of there over 20% interest rate when all my current are zero to six percent. I guess the companies that reward increased income and good credit are those who do not need to rip me off or maybe its because I pay off my credit cards and do not carry long term balances that was an inconvenience to this company.

Beware!

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Ottoniel Hernandez
Hollywood, US
Aug 10, 2016 5:51 am EDT

I need some dental work to be down and dental office toll me about gemoney. Helthcare credit. long story short I got the credit whit one year not interest but for some reason my peyments are allway late.
I send the check 10 days before the due day and like magic gets there a day after. they are charging me $39.99 of late fee every month and $2.00 on top for minimun interes charge, I call the nunber and they can only say your parment is late sorry I can't help you . I was planing for automatic payment but after reading others complaints I don't want then to have acces to may bank account .
my account was open july 19 and total fees charged in 2010 is $123.97 they are a company of theif. hope my story can help somebory to not do busines whit GEMONEY...

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JAMIE BOWMAN
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Aug 10, 2016 5:51 am EDT

I HAVE BEEN ON HOLD BECAUSE I HAVE NOT BEEN CONTACTED BY MAIL OR PHONE CONCERNING THE VOLUNTARY REPO I HAD PARTICIPATED IN. THIS BEING MY THIRD ATTEMPT TO CONTACT GE MONEY CONCERNING MY ACCOUNT I AM CURRENTLY ON HOLD AND IT IS NOW AT 1 HR AND 15 MINUTES AND I HAVE YET TO SPEAK TO SOMEONE REGARDING MY ACCOUNT. I THINK IT IS RIDICULOUS FOR SOMEONE TO BE PUT ON HOLD FOR THAT AMOUNT OF TIME AND IT IS MAKING ME EXTREMELY UPSET.
WHEN I CALLED ANOTHER NUMBER TO SPEAK TO A REPRESENTATIVE ALL THEY DID WAS GIVE ME A DIFFERENT NUMBER TO CALL.

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Kate
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Aug 10, 2016 5:51 am EDT

In March 2008, after determining my account balance, I paid off my balance to zero and requested they close my account. I was not late making payments previous to this time nor I was just paying down/off bills. In April I received an email that my new bill had arrived, I went to the website and confirmed my balance was zero and thought, must be when you are on an email billing list you get a bill whether you have a balance or not. In May - I get another email and I ignore going to the website because I know I've paid it off and the balance was zero in April when I checked it. In June I get a notice that my credit has been negatively reported..I say by who? they say we can send you a report...so..it's Care Credit. Sometime earlier than March when I paid my account to zero, they posted another customers payment of $100 to my account. It's not a new charge by me..it's a mistake. Does anyone call me or notify me in any manner that they make a mistake and misposted another customers payment to my account? Nope. But now they have charged me late payments and finance fees, which were waived with the first phonecall to Care Credit. What has me sideways is Care Credit reported me to the three credit reporting agencies. I bet they didn't report the poor ### that had their $100 posted to my account when I asked what my payoff was. I bet the guy at Care Credit who didn't close my account as requested because the service rep didn't want to lose the account on his watch. 7 years this late payment stays on my credit history. I had a 20 minute conversation with a young man who only wanted to argue with me that it was my responsibility to pay my bill monthly. If Care Credit had closed my account as I requested when I paid the balance to zero in March I bet have taken the extra step in some manner to contact me but it is the total lack of integrity that they are able to rescind the negative report and refuse to do so because it never would have happened if they hadn't mixed up my account with someone else. I asked who within the organization had the authority to do so and was advised there is no one..I asked who their director of customer service was. He laughed at me as said there was no such thing.

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Chelley
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Aug 10, 2016 5:51 am EDT

STAY AS FAR AWAY FROM THIS COMPANY AS POSSIBLE! They will LIE to you, verbally abuse you, and take you for EVERYTHING you have! Yes, I am speaking from personal experience.

I was granted a loan through my dentist's office to cover the cost of some major oral surgery that my insurance didn't cover. For years I prayed for the opportunity to have this work done, and now I regret doing so more than I've ever regretted anything in my life! This company is brutally, thoroughly, and repeatedly RAPING me financially, and there is seemingly not a single thing I can do about it! I was instructed by my dentist's office to produce a voided check to set up the auto debit, which I did, and was informed that the payments would begin being deducted from my checking account 30-32 days after the check was processed. The check was processed 3/26/08, making my regular payment date (or so I THOUGHT) around the 26th of the month- perfect- I could swing that no problem.

I'm a single mom on disability, so it was imperative that the payment date be scheduled according to when I have money in my checking account. My dentists office went above and beyond to set that up for me, and were told by GEMB that doing that wasn't an issue.

Well, the payments are NOT being withdrawn the 3rd week of the month- they're being taken out the FIRST week of the month- usually the same day my rent comes out! This has resulted in my checking account not only being over drawn every month for the last 4 months, but also racking up $35 overdraft fees EVERY FIVE DAYS until I'm able to deposit money in my account. Since May 6, 2008, I've paid $312.00 toward the loan, and $263.00 in overdraft fees and $28 to put a stop payment on the auto-debit preventing them from taking anymore payments. They screwed me so bad this month, my rent that's due TODAY is not going to get paid, and this may well result in my being evicted from my apartment in short order! These parasites are literally going to cost me everything.

I have called them numerous times, and been told a different story every single time. Most told me I have no say in when the payments are taken out, and there's no way to change the date, one told me I could if I fill out a form- which she mailed to me, and it makes absolutely NO mention about changing dates- it only asks for your billing information (My luck, if I'd filled it out and mailed it back, they'd be taking payments TWICE a month!) My dentists office called them last week on my behalf, to be told "sure we can change the payment date, all she has to do is call us." This after I'd spent literally ALL MORNING on the phone fighting with them to do so, and being told I couldn't. As I said, I put a stop payment on the auto debit preventing them from withdrawing anything else from my account... when I informed the horrible deceitful woman I spoke with I'd done so, she told me "That wont stop us from taking the money. Theres NOTHING you can do to stop those payments from coming out. We WILL take the money out, not only will we take it, but I'll make sure you're hit with returned check fees AND late fees in addition!" Like so many others who've posted here, when I asked to speak with her super, I was told there isn't anyone else I could speak with- she was it. Another woman I spoke with actually told me- verbatim- "your payment is scheduled to come out BEFORE THE DUE DATE." When I repeated that statement back to her, she immediately transferred me to the woman who threatened to not only take the money anyway, but slap me with additional fees.

I've read several of the posts from other infuriated consumers who've dealt with this company, and can honestly say I am scared- REALLY SCARED.. there's no doubt in my mind this is going to get MUCH MUCH worse! I was absolutely miserable before having all this work done- more miserable than anyone can imagine-- but now I wish I'd just left well enough alone and dealt with my misery... it was far less crushing than what I'm going through now. I have no idea how I'll ever get out from under this mess! These people NEED to be put OUT OF BUSINESS immediately, if not SOONER! The question is-- where to start? Do we have ANY options? ANY recourse against these people?

As I said-- STAY AWAY FROM THIS COMPANY-- do not under ANY circumstances do business with them, or any of their affiliates/aliases!

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WILLIAM BEACH
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Aug 10, 2016 5:51 am EDT

I made a $1,300.00 payment in October on my Wal-Mart credit card on time, as always for the past three years. I then made my November payment, early mind you. I then find out twelve dates later, that they have graciously lowered my credit limit for what they state as derogatory information. Thing is, there is absolutely no new information on my credit report How does this happen, and why does America allow people like this to stay in business...

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dianne g mitchum
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Aug 10, 2016 5:51 am EDT

I was called today by GE Money Bank..stating that i was $17.00 late for september payment... i told the agent that i would gladly make the payment but not he late fee as i had not received a bill... he stated to me that not only was there a $29.00 late fee but also another $10.00 added to make the payment..I asked to speak to a supervisor as i was prepared to pay the entire amount due and have 0 balance but was not going to pay the $29.00 so called late fee and additional charge... he stated to me that he would and could arrange additional fees to be added..i was so angry by this time and asked for his supervisor... but he disconnected me immediately... I called back and asked to speak to a supervisor and reported this so called JERK! I was greeted by a Ms. Amanda Breland who was very interested in what i had to say and what had transpired with the so called JERK of an agent for GE Money Bank... she handled my complaint and posted my PAY OFF and took off the additional so called "late fee" and in turn told me that my bill had been sent out 9/7 and today is 9/11 and i had not even received a bill..at this time, i thanked her for her attitude and helpfulness in settling this matter for me... she informed me that this incident would be handled in an appropriate manner and i feel that it will be and this JERK Agent will be in the unemployment line and maybe someone like him will be calling HIM for a late fee and payment in a threatening manner in which he deserves... HAHAHAHAHA, what goes around comes around! I hope that anyone that experiences this type disrespect... immediately call back and report the incident and clarify ASAP! Also, NEVER deal with GE Money Bank a total RIPOFF!

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Ron Thibeault
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Aug 10, 2016 5:51 am EDT

This company has been calling our house every night and insisting on speaking to a woman who does not live at this number. When I tell them this they say they will take care of this. This has not happened.

Tonight I tried to contact them they refused to speak with me and hung up three times. They then put me on hold when I asked to speak with the manager. I am currently on hold waiting on the manager again. I am not hopeful at this time.

How do I get these calls to stop. I am tired of being harassed by these people for something I haven't done.

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wrangler00gurl
Salida, US
Aug 10, 2016 5:51 am EDT

I have been a loyal customer of JCPenney credit card for over seven years. I have never been late on a payment and I always pay more then the minimum amount due. A few days ago I received a letter from GE Money Bank stating that they are no longer looking at my credit history with just my JCPenneys card but my overall credit history. Based on my credit report they were lowering my limit to the exact amount due. The reasons they listed as to why they were lowering my limit did not match what was on my credit report. I think they were just making up reasons to lower my limit on my card. Now because of what they have done it is going to damage my credit report and make it look like I maxed out my card. I called JCPenney and they said "to bad, so sad, what do you want us to do about it?" Unbelievable, I'm never going to shop there again and I'm paying off my card and closing the account. Cardholders beware, they are messing with your accounts!

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kalpeshneelam
, IN
Aug 10, 2016 5:51 am EDT

Hello Sir/Madam,

My Mom is using GE Money Credit Card from past 3yrs and now she wants to get rid of it by making full payment of the due amount left to be paid on it.

Everyday the agent from GE Money gives a call saying that this much is the amount due & today the cheque collector will come at home to collect the cheque. But the person doesn't show up at our house to collect the cheque from past 1 week.

The agent from GE Money says that amount has to be paid by 8 of each month but the cheque collector comes after 22 of each month because of which we are getting charged by Rs.350/- each month for making delayed payment.

This is not over fault of delaying GE Money. The GE Money Cheque Collector says that we get the details for collecting the cheque after 18 of each month.

And now when my mom is saying to come and collect the cheque then the GE Money Agent says that if cheque collector is not coming early then drop the cheque in GE Money Cheque Drop Box. This GE Money Cheque Drop Box is not there in mulund, mumbai. The people over there say that it's not here from past 2years. when we ask the Agent of GE Money for the nearest Cheque drop box, then he says that please check it's there in mulund itself.

I & my Mom are totally pissed off by such service which is bein rendered by GE Money.

Please advice what to do...

Thanks & Regards,

Kalpesh Solanki
+[protected]

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KindelBooth
Liberty Hill, US
Aug 10, 2016 5:51 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Purchased new home in 2006. Put all GE Profile appliances in kitchen. Microwave quit the day after we moved in, it was in the repair shop for 2 weeks. The dishwasher makes a growling noise and the repairman said he really didn't know why but he could try a new pump for $350 but no guarantee. So we just wash dishes in the middle of the night so the noise does not bother us. The refrigerator is the worst. Lowes has sent so many repairmen and replaced our icemaker 3 times. The waterline runs behind the vegetable drawers from the water filter over to the water dispenser in the freezer door. The line freezes up, all fruit and vegetables are ruined and then everything defrosts on the freezer side. It then forms a huge icicle in the freezer. On days the line is frozen we cannot get water out of the water dispenser and the top of the freezer is warm so we don't have ice either. GE offered to "SELL" me a replacement for 1/2 price. GE is junk, don't waste your money. My Stainless Steel dream kitchen became a nightmare.

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Paul Hubbard
Hardin, US
Aug 10, 2016 5:51 am EDT

GE. money bank isthe worse financial institute I have ever dealt with. They never sent me any paper work for my contract and what the due date was. I have 2 acounts in my name.One I signed for my daughter for eye surgery and the other account for 2 chairs I bought. They harrass you from 8am to 9pm by phone.I tried to get when payment was due, no response. I called to get a live person to straighten the mess out and all I get is somemone in India barely speaks english. They won't let you talk to a supervisor. When I sent a payment in they would add it to my daughter' s account, making me late and charging a $20. late fee.I send in payments and always the balance is higher than originally.Finally after daling with the furniture store again they decided to pay the account off for me and drop the late fees. My daughter got on the internet to see her balanc and to pay it off and they gave her account the credit for my payments. I will NEVER use them again. they are nothing more than legalized loan sharks. Buyer beware and stay away from this company.

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Maryanne Lynn
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Aug 10, 2016 5:51 am EDT

I've been getting too many sometimes 5 phone calls a day from GE money. I want it to stop. It's only 9:00 am here in Calif. and I've already received two calls, one an 866 area code and one a 330 area code that shows
an eastern area when I looked it up in my phone book. They ask for me and my husband (who passed away two years ago) and it upsets me.

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Ildi
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Aug 10, 2016 5:51 am EDT

I recently was at the dentist office and was told that I need over $2000 in dental work. At that time, I decided to put some of it off, but did have three procedures done, totally approximately $400. I was told by their staff that I was eligible for a credit card and could put the services on the card. I declined, letting them know that I did not want a credit card, that I had my own, and that I had insurance.

Several weeks after this I receive a bill from GE Money/ Care Credit in the amount of $2545.43. Apparently the dentist office used my personal information and opened an account, AND CHARGED ME FOR THE SERVICES THAT I DID NOT EVEN HAVE DONE! If this has happened to anyone else... PLEASE CONTACT ME... I am currently working with an attorney to clear up this mess.

What a scam! Both the Dentist - Allcare and GE Money, who I presume has made Allcare an Agent!

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Sherry Turner
Los Angeles, US
Jul 15, 2016 7:28 am EDT

I have a dishwasher that has required repair at least 9 times since 2006. I have currently been waiting since 1-14-10 for repair of my dishwasher and keep getting one excuse after another. The resolution dept. states there is no one higher that I can speak with regarding this matter but I refuse to believe that. Is there anyone that I can speak with or email to try to get this matter resolved. My name is Sherry Turner, Contract #[protected]. Model #PLD3465REC. Sureway Contract service by GE Service [protected]. My contact # is [protected]. my email address is Devinique13@aol.com

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Leo K
, US
Jul 12, 2016 6:01 am EDT

The owner of the business that holds the Sam's account changed her address. So Sam's/GEMB chnaged mine to the same address. My bills were sent elsewhere. Thus I did not pay them. ~09/01 numerous hang up calls from GE MONEY started. on the 7th a message said the call was about Sam's credit card. Returned call. Usual obnoxious bill collector. Verified address problem and changed it. Immediately sent check. Assured all was well, no penalties accrued. A letter of explanation would arrive shortly. Shopped Sam's on the 13th, ~$188 worth. Credit was denied. Very nice & helpful customer service called GE. Usual badly accented english said account had been closed on 09/09 and a letter would be sent explaining why. Left cart. Same day got email that that 2 of my credit reports where posted with negative info. Got a bill from Sam's on the 15th for amount of check which included an undisclosed ~$16 late fee AND $1.79 interest. Wrote immediately wrote letters to Sam's & GEMB explaining incident. 3rd credit report negatized on the 19th. On the 23rd GEMB called to say they'd get back to me within 14 days. On the 28th GEMB called again. I returned the call. After the usual BS about recording the call for quality assurance a real person answered the phone. When I told her I was also recording the call she said the aren't allowed to speak to anyone RECORDING A CALL! So a letter will be sent in 7-10 days. I have yet to receive either of the two previously promised letters. And so it continues.

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dniece68
Bayville, US
Jun 06, 2016 4:56 am EDT

I have one account which I have set up for an automated payment. I have been trying to add another account on. I contact them to tell then that I can't do it. So the women walked me through all steps and I was unable to get anywhere. I said I should be allowed to get into my accounts. But No I can't so I asked her if I make a payment over the phone since your site is messed up she told me I would be charges $10.00. WHY! It is not late and it will not cost them athing since I can do it from my computer on my first account FREE... This is bull ### and all needs to stop...

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richaRD MATUSON
EXTON, US
Jun 06, 2016 4:49 am EDT

I started out with my son co - signing for credit limit of 5, 000. Then they dropped it to 3400. Yes i was late couple times but always made payment. Then received bill with 762. 00 credit left then turned around and no credit at all then account closed by them. On top of that they are charging me 29%interest. Called them and told them they got to give in on something or else i wasn't going to pay off balance. / . / they said sorry / that's the way it is. . So guess what they can do what they want i am not paying them balance 2600 dollars and anybody that joins this company is crazy / they are rip - offs and clod bloodied. . Well hope every body sticks them and we'll see what happens.

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Aldon
Kalamazoo, US
Jun 03, 2016 8:24 am EDT

On January 7, 2011 I mailed GEMB two checks. One was a personal check in the amount of $73.96 to pay off a deferred interest account that expired in December. The other was a convenience check from Fifth Third Bank in the payoff amount of $1197.25 for the October 2010 deferred interest promotion due to expire in April. When I received my February statement, I noted that the bill for the larger amount was still outstanding. In the Transaction summary portion of my bill, the amount of $1197.25 was debited and listed as a “corrected payment.” I called the company and was told that there must have been something wrong with the check. I called Fifth Third and they assured me the check should have gone through and it had not been returned to them. I called GEMD again and I was told they would look into it and get back to me. I never heard from anyone again and the amount was still outstanding on my next bill. When I called this time I was told several things – the check never came; maybe there was something wrong with it; even that the check had been destroyed! They ran a search on the check after I gave them the routing number – still nothing. Finally, someone got back to me saying the check had been found. Now we’re at the month of March. The convenience check I originally sent from Fifth Third was for a special no-interest balance transfer for 18 months promotion that expired in mid-January. Not only could I now not take advantage of that promotion but I could not write another check on that account because the required funds were no longer there. That amount would take me beyond my credit limit. I called GEMB back to see what they would be willing to do since the whole situation had been due to a colossal error on their part. The best concession theywere willing to offer was no late charges and to extend the deferred interest for another six months. The way this situation was handled was reprehensible and their solution is unacceptable. To add insult to injury, on March 14 I received a copy of the original check in the mail from them!

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Valerie
, US
Oct 21, 2008 8:20 am EDT

I have received two letters from them stating that they have looked into my credit, and because I am having an issue with a credit card that has nothing to do with them. They are lowering my credit limit. The first one pissed me off but it was a card I hadn't used in years. I wrote them a letter of complaint then let it go. Then I received another letter yesterday concerning a card that I do use. They lowered my credit limit which will now put me over the limit. I feel they should pay the fees.

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moneydad
Westampton, US
Jun 06, 2011 6:09 pm EDT

I went through most all of what I read about this abusive company. Here's how you get resolution. File a complaint with The Office of Thrift Supervision of the US Department of the Treasury. I did and they folded like a cheap suit in no time flat. GE Money is afraid to have to take these complaints to an agency who will hear the merits of both sides. They know they will lose not only that one complaint but will be forced to settle up with the thousands upon thousands of people they scam.

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godara
, IN
Dec 29, 2011 3:28 pm EST

i purcased a AIWA music system on hire purchase agreement with ge countrywide consumer finanacialservices limited delhi 110034.i took consumer durable loan of Rs 30870/- from above company. company took fifteen advance cheque from me on account of repayment of said loan and additional security purpose of repayment of my 15 EMI's company demanded for promisorry note for Rs 30870/-. so i gave to the company fifteen advance cheque for repayment and made a promissory note in favour of Ge Countrywide...ltd for the Rs 30870/- as a additional security for my fifteenth Emis.after that i paid all the fifteen EMI's to the above company(Rs.30870) now i have fifteen receipt which shows that i paid whole the borrowing money to the company. i also get N.O.C. from Ge countrywide. after that Ge countrywide send a notice (after year and year )through leagum associates (chamber 457 western wing tishazari court delhi-64 from rajiv narain advocate) for demanding outstanding amount241311/-in against borowwing loan amount 30870/- which borrowing loan amount is fully paid by customer previous but company didnot update the client loan account no. RZX000001247. CLIENT DEmanding the zero leder balance copy from company but company failed to update loan account with receiving cash entry so that the actual reason .the ledger show five outstanding EMI @1715/- against customer. company donot liten customer voice and donot delivered z leder balance copy and donot returned promissory not to the customer after whole dues is paid by customer and customer get the N.O.C. FROM COMPANY .SO SUGGEST ME IN WHICH WAY I GET BACK MY PROMISSORY NOTE FROM ABOVE COMPANY AND IN WHICH WAY I BOUND TO THE COMPANY FOR ISSUING THE ZERO LEDGER BALANCE COPY DELIVERED TO me. My id sp1godara@gmail.com

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Denni
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Dec 26, 2007 12:00 am EST

I was called be GE Money Bank on 10-27-2007... actually, I was called by somebody over in India representing GEMB stating that I was late on my payment for my account. I asked the person to tell me the balance of my account and he told me the amount. I then said I'd like to pay it off in full instead of just making a payment. He took the info and I asked specifically if this brings the balance to zero and he had said yes. Then this weekend I got a copy of my credit report (annually thru state of CO) and it showed a negative mark on my credit from GEMB and it showed a balance of $45. I immediately called GEMB and spoke to someone in India and told her that I paid it in full in Oct. and she said that there was a $35 fee that was on my account which has since had a $15 late fee attached on to it. I told her I wanted to speak to a manager regarding this and she sent my back stateside to a customer service rep named Dawn. I told her the story and she said the $35 fee was put on on 10-24-2007. I told her that I paid off my account on 10-27 so there should be a $0 balance. she said no there is a $35 balance and that there was nothing she could do. I asked to speak to her manager and she said there is no one else and that she was the only one I could deal with and that there was nothing that she could do. I at this point was getting very upset that she was unwilling to listen or help out in any way and she said that there was nothing else she could do so she was going to hang up. In which she did do. I called right back and was put thru again to India and told her of my situation and asked to speak to her boss, she then sent me stateside AGAIN and low and behold who answered the phone... DAWN! She was very smug when asking me if she can be of service to me and I said I want to speak to someone else and not her. She said that there was NO one else for me to talk to and that I would have to deal with her and her only. I said then forget it and then I hung up on her. I have never in my life encountered such a unprofessional person. Why would I make a payment for exactly $814.17 and then leave a $35 balance?!? If a situation comes up and you are offered a loan thru GEMB... RUN LIKE HELL!

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Austreberta Alvarez
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Apr 29, 2008 1:10 pm EDT

Hi! The bank GE put my credit on deliquent score because they say that I did not make my payments . They received my checks, but someboby of this bank was steeling my money, and they call me really angry several times saying that I was not paying. So know I have a deliquent credit score, no one wants to give credit.

I keep sending my payments with the bank I have my accounts, but I am not sure if this GE MONEY BANK is going to really received my payments or is going to continue steeling my money.

I call them many times, but they just dont answer the telephone.
PLEASE DONT MAKE ANY DEAL WITH THESE BANK OR WITH THE STORES THAT HAVE ANY AFILIATION WITH GE MONEY BANK.

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