GE Money Bank review: Cheating customers! 571

The credit union should be able to provide a copy of the front and back of the cleared item to submit for payment research. Once that research is substantiated and applied, if found a company error then the account would be adjusted accordingly.

I don't see anyone stating they double-checked or ACTUALLY read their contract before signing up. Most of the time if they just take a moment to contact the company, appropriately, many of the issues and misunderstandings could be avoided.
The world is not like "instant Martians" where you just add water and POOF solution happens-larger companies have more procedure built in, which can make it smoother and sometimes causes delays.
Also, the nastier you are to another human at the end of the line-may that negative attitude you apparently are broadcasting come back at you tenfold! No there is not an excuse for a rude interaction with customer service at any level, but there is no excuse for behaving with less understanding and humanity than you would in a face to face exchange. Go ahead and be a hostile demanding caller and every call will be notated for the totally insensitive and uncooperative nature you present and each associate that reads it will be instantly on the defense towards an awful individual that obviously cannot be pleased without being told exactly what they want-WAKE UP! The world does NOT work that way. Pay your bills on time and within contraints of your agreements and get a life.

been online at ward to buy c.d.radio but it so high for me this 107.95 my name is gary bruce evett 10021n.e.12st midwast city oklahoma 73130

You are not alone. Rest assured, they received your payments. This is a running scam with CareCredit/GE Moneybank. Also check out www.pissedconsumer.com. There are several class-action suits being started against them...check your state.

DOCUMENT EVERYTHING!

When you pay, log your check # or transaction #. Get printed copies of everything. No use sending them as documentation to CareCredit/GEMP, they will claim not to have receievd them...just like the payments.
DO NOT BE INTIMIDATED! DO NOT PAY ANY LATE CHARGES OR PENALTIES! Let THEM take YOU to court...then i'ts on their nickle when they lose as you have the proof.

GE Money Bank
PO Box 960061
Orlando, Florida [protected]
[protected]

For all the complaints listed above. I feel that lawsuits are in order, that is if you have all the paperwork, all the documentation, take them to court and also contact the BBB. The politicians that we have elected are suppose to protect us from this filth, the credit card companies do everything in their power to make sure that at least one of your payments will be late. They do this so as to increase your interest rate and charge you outragious fees, write your congressmen and senators.

I have a GE Money Bank that had been paid in full for a couple of years. When I got married and bought a new house, I decided to use the card for new furniture. The purchases were made during a promotion of NO INTEREST/ NO PAYMENTS FOR 12 MONTHS. Fine. I've got one year to pay it off before any interest accrues. Well, the first bill I received had a minimum payment due and interest charges applied. I called immediately. They said not to worry, they would fix it, it would be fine on the next statement. Needless to say, I was on the phone again the next month. Not only was the the bill not fixed, I had accrued LATE FEES FOR THE LAST BILL NOT BEING PAID. Of course, they SAID they would fix it. It is not my job to spend two hours on the phone EVERY SINGLE MONTH to explain to them how to do their job. It is absolutely ridiculous that my time be wasted like this. They finally got the statement to say " NO PAY /DEFERRDED INTEREST" yet I am still being billed and receiving late fees. (Which are 39.00 by the way). Oh yeah, I also have an added purchase on the statement of $31.11 with a finance charge. Trust me, there is NO WAY I would subject myself to doing any further business with this company. NO WAY. But, to dispute the purchase, I have to hand write a letter to them and send it to them. Yeah, that's real convenient. I'm looking at my statement right now. The entire statement contradicts itself. "NO PAY/DEFERRED" but I have late fees because the minimum paymment wasn't made. This is asign of pure incompitence. Why can't they get it right.

GE Money Bank has been cheating me on my credit card. My credit limit is $275. I have recently paid $75.00 on the balance, making it NOW $193. I have called the customer service number, and they say that my available credit is 0! How can that be?! I am sorry, but !93 subtracted from 275 DOES NOT EQUAL 0! Did the people even graduate from the second grade? Can they not add! And what about my $75 dollar payment? Wouldn't that mean that I would have at least $75 available?
This is a piece of CRAP!

To

Quality Manager

Compliance Manager

GE MONEY Intergrity and Compliance Officer

Customer Service Senior Manager

And Collections Issue and Resolution Manager

Hi All,

I worked with GECIS during the time of Tiger, where the values, intergrity and customer first were etched on rock, I am not sure if this still followed by ONE of your Senior Manager "Mr. SURAJ MISHRA" (phone# [protected], 040-[protected]) from Collection Team based at Hyderabad - INDIA. He behaved very rudely on the phone call with me on last friday (11th April, 2008).

His tone of words and voice and language was very abusive. He did not ask me what was the issue. Or seeked any clarification for what I have said. And started his blurt of stupid words which did not make any sense. I was flabbergasted on why a Man at his stature would stoop to such a low level. He should first seek clarification from me. Instead he took a call from Kelvin (his associate) and started abusing me. Incidentaly Kelvin the assoicate never told me that he is transfering the call to Mr. Suraj Mishra a Sr. Manager. The Sr. Manager - Suraj Mishra with his dehydrated thoughts and constipation of commonsense, started a slavo of hell fire from his bitter mouth. He threatens I should not use any references. Which I never did. I never refered any one. All I said was I spoke to some in GeMoney but there was no help can you please assist me. Saying this is incorrect. Please tell me?

Ok, please ask Mr. Mishra, is it his prerogative to say that he can remove another Assistant Manager from the job with GEMONEY, simply because I stated that I met that person few days back but there is no help from the concerned Assistant Manager, thus can anyone please assist. I said on the call I beg please help me to close the account. Instead of this he threatens that he can play spoil sport with another person career in GEMONEY. IS MR. SURAJ MISHRA SO POWERFUL. HOW DARE HE UTTER SUCH WORDS.

WHO IS MR.SURAJ MISHRA 'S MANAGER. WHO ARE HIS VP OR AVP OR SDO INCHARGE. ARE YOU PEOPLE SO THICKSKINNED, CAN'T YOU CONTROL MANAGER FROM UTTERING SUCH WORDS CUSS WORDS AGAIN.

HE THREATEN IF I DID NOT LISTEN TO HIM AND SETTLE THE ACCOUNT FOR Rs. 25, 000 (i had asked for Rs. 20, 000 settlement) he can move account to recovery and ensure that I faced music that is unbearble for me in future. what the heck he means. I am not coward to fall down to such threats, even fly by night operators never use such curse words, but this is GEMONEY, WHAT CAN I SAY MORE.

I am very disturbed by his words and behavior and such people should be stripped of their positions. And people who recruited him and promoted should be questioned.

All I called was to settle my account for good and was doing pesuvasive negotiations to have better deal. i came to close the account. Mr. Kelvin (assoicate with ge moeny) and Mr. Suraj Mishra had made me understand the hard way that human beings who owe money should be treated with contempt and abused like cattle.

I ask Mr.Suraj, what sin i have done that you were shouting at me literally like a mad dog. are you human?

My GE CASH CARD# [protected].

Sir/Madam - I do not to be harrassed by your managers. My Managers at GECIS in hyderabad were very cool and smart, they never abused me. Now I am your customer you can not do this to me. AT LEAST WITH RESPECT TO GE VALUES WHICH ARE TIME TESTED OVER YEARS ONE SHOULD PLEASE ADHERE, IF AT LEAST AS FELLOW HUMAN PLEASE BE COURTEOUS BECAUSE NOT ALL HUMANS ARE CHEATERS, NOT ALL ARE TERRORISTS AND NOT ALL WILL TAKE ABUSES LYING DOWN.

Thank you for YOUR patience.

hope god give guidance to Mr.Suraj Mishra.

Regards

Sagar

[protected]

If you really want to go after GE Money Bank, here are some facts and some ideas:

Some facts:
1) Bank Name: GE Money Bank
Address (for main office): 4246 South Riverboat Road, Suite 200, Salt Lake City, Utah 84123
Classification: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)

2) GE Money Bank is headed by Mark Begor - mark.begor@ge.com . Email him.

3) GE Money Bank is chartered in several states, Ohio and Utah seemingly being the principal and most important states that host this monster. GE is headquartered in Connecticut.

4) File complaints against them in Ohio, Utah, Connecticut and your own state

5) File complaints against them with the OTC:
Office of Thrift Supervision
Office of Consumer Programs
1700 G Street, NW
Washington, DC 20552
[protected]
www.ots.treas.gov

6) Responding to complaints costs them money. File repeatedly.

7) Write to Senator Christopher Dodd. He is the Chairman of the Senate Committee on Banking, Housing, and Urban Affairs. His posistion on these types of credit card issuers is one of wanting to reign them in and stop them from abusing consumers. His web site says that he will only respond to residents of Connecticut, but write to him anyway as Committee Chairman. Also write/e-mail your own senators. A list of all 110th Congress Senators is at:
http://www.senate.gov/general/contact_information/senators_cfm.cfm

8) Get even and start causing them to spend some of the dollars they stole from all of us. Go to the web site of your credit card. (In spite of how the card may be branded, its GEMB in the background). Start doing things like requesting historical copies of your statements for as far back as the system will allow. This will cost them processing money and postage.

Doing some of these things will assure that ### like Mark Begor and the rest of his "management" team get challenged, get less bonus, have higher operating costs, and get forced into the light and exposed as the criminals they really are. Of course, these tactics can apply to virtually any credit card company as they all engage in predatory practices regarding interest rate manipulation, egregious late fees, over-limit fees and practices which manipulate and deceive.

I agree with every page of this and would join a class action suit in a minute. I had very similar results, recd a check 1 day before my promotional deal was up from my refinance company, called GE and was told if they did not have it in there hand by next day that it was too bad. This was not possible for me, so the result is an additional 1500.00 of finance charge, tho they were aware that I would be paying it in full as soon as I got the check as they were contacted the month prior.

i just don't know how they get away with this can i file a small claim suit against them to recieve any kind of justice because they 're claiming they haven't recieve my payoff either i have a copy of the check in which the payment was made

GE Money Bank is the Devil. We have been paying on our motorcycle for almost 2 years and we even have the canceled checks to prove it, guess what a repo man now wants the bike, ge money can not find our money but we have copies of the cashed checks with their account number on them. We had to get a lawyer, they are even got mad due to the several different answers they have recieved. I have called but my calls go to India, they gave me a new number, it ended up being a persons home phone number. As of now April 5 2008 they are going to take the bike and sell it at auction even thou we can prove all payments have been made. What to do?

There is ONE call center in India. Several others in the states. Get the hell over yourself. Oh you had to wait? POOR THING! Guess what? SO DOES EVERYONE ELSE! It is NOT a personal vendetta against you... nor is it all about ripping YOU off. And if you are going to complain about people not speaking english, perhaps you ought to learn to SPELL proper english?!

Call customer service and ask for a dispute form. Its all you have to do. Unless you ENJOY paying extra for an attorney.

The words that come to mind are "class action suit now"

Buyer beware! GE Money store is very shrewd and will stop at nothing to squeeze you. Their tactics are misleading, the reps I've dealt with rude, and the interest rates are worse than a loan sharks. Without going into detail, my story mirrors the others.
I knew I couldn't be the only one but what is amazing is that they are still out there, left to their own devices, all set up to screw the next poor slob.

I am in the same boat as many of the people that have complained. I purchased a Select Comfort bed along with some accessories in July 2006 which was financed through GE Money Bank. The bed was supposed to be delivered within two weeks and the rest of the merchandise was taken from the store the same day. Following a week after the purchase, I was notified by my unit that I was going to deploy in the beginning of August 2006 so I called Select Comfort and cancelled the bed delivery along with my account and asked how to return the merchandise I already had. Select Comfort sent me free shipment labels and informed me that they credited back the Bed purchase and no delivery fees where posted to my GE Money account and once they received the rest of the merchandise, my GE Money account balance would be zero. Select Comfort received the remaining merchandise during the month of August 2006. I deployed on the same month and returned on October 2007. I started receiving calls from GE Money bank telling me I owe them $500.00 dollars. When I informed them that my account had been cancelled in August 2006 and that all merchandise purchased from Select Comfort had been returned on that same month, they told me I actually only owed $300.00 but they couldn't exactly tell me why I was being charged that amount. I disputed the charges and refused to pay until they made an investigation. I also called Select Comfort to verify that they had received the returned merchandise. Select Comfort was able to confirm receiving their merchandise and assured me that I had no outstanding balance with them. When I told them that GE Money bank was trying to charge me $300.00, Select Comfort sent them the information. Since I do not owe GE Money Bank anything, I have refused to pay them. The late fees have been adding on and on. Now Encore has been involved and I am being harassed on a daily basis from 6 in the morning to midnight. I don't know what else to do...

I am looking for anyone who has been getting harrassing phone calls from GE Money Bank especially after they were told to stop. This is illegal according to the FDCA. I am being sued by Ge Money Bank and I would like to bring some people to court as witnesses to this fact of harrassment. I know I have a fairly good case because of all my documentation. It would just be some icing on the cake if I have a line up of witnesses to really kick them where it counts. Please contact me at CTKFCMedia@aol.com.

Thanks.

I contacted GE Money at least six weeks before by payment was due. I asked to verify the payoff date and I was given a date three weeks beyond the actual payoff date. THEREFORE, I was assessed interest from the time the purchase was initially made. Hearing nothing from them since the middle of December when I paid off my account I thought I had fulfilled my obligation. WRONG. On February 22, 2008 I received a nasty e-mail stating that my account needed immediate attention as it was past due. I contacted them immediately and, after much discussion, decided it would be best just to pay the interest and put the issue to rest. However they would not give me my account number over the phone. So I gave them my bank number and they immediately took the money out of my bank account -- only to credit it to the account in which I owed nothing. Again I notified them of their error and, after quite a lengthy telephone conversation I was told the matter had been corrected and I had a zero balance. NOT SO. I began receiving telephone calls stating my account was overdue. I am still in the process of trying to get them to straighten this matter out. In the meantime the are still applying interest to an account that was paid back in February in which I should not have had to pay in the first place. I will never do business with them again.

5/1/08 To Supervisors and Managers: On 1/11/2008 I bought two disc drives from Geeks.com. They ‘baited’ me with a PayPal Pay Later (PPPL) account where I could get the drives interest free for 90 days. I thought, “OK, I have done business with Paypal via Ebay for about a decade now. Sounds good. Lets give it a try.” I was approved. I got my drives. Geeks provided EXCELLENT customer service. A month later I had some cash. I went to the PayPal website to pay my bill. The site was ‘buggy’ and it would not allow me to pay my account. I thought, “That is strange. I’ll try again in a day or two.” At this time I still trusted Paypal’s competency. The second time I tried to pay online via my PPPL account – the amount that I owed ($64.98) was no where to be found. I thought, “Ghez. This is starting to cut into my time. This is starting to get frustrating.” So, a week or two later I called PayPal to speak with them about the problem. I was put on hold. It took at least 10 minutes to talk with an ‘agent’. This was way too long. The agent was of no help whatsoever. He said that he could do nothing ‘at that time’ because all of the machines ‘had just gone down’ and that I should call back later. My time is worth a lot to me. My time is money and this stupid little bill had cost me a bunch of money already via time spent trying to resolve the issue. So, after several times of me trying to make this account right via PPPL – I simply called Geeks.com and spoke with the customer service manager (his name is Brian and here is his extension #312 and Geeks phone number – [protected]). In less than 5 minutes I had given him my credit card info and had him PAID IN FULL. Geeks does their job very well. They just should NOT use PPPL as it is a nightmare and I will be sending them a copy of this letter. I apologize Brian if given them your ext. # is offensive. Thank you Brian. Please feel free to pass this note onto your supervisor. I will be the first one in line to suggest you get a raise in salary! I am not a first or second time computer shopper. I have been buying things via the net for over a decade. I have literally bought thousands of dollars of products both new and used without any problems. This PPPL thing has been the biggest problem I have ever had as it relates to internet shopping. This being the case, CANCEL my card, I will NEVER use it again. Keep my normal Ebay PayPal open as we occasionally shop at Ebay. Saturday (4/29/08) I get a paper statement in the mail from PPPL stating I owe them $64.98. This made me angry as I had paid Geeks in full myself two month’s previous as PPPL kept ‘dropping the ball’ and NOT GETTING THE JOB DONE. SO, ONCE again I called and ONCE again I was put on hold. Except this time it was even longer and WORSE. I was hold for at least 20 minutes. I told the PP agent – just let me talk to a supervisor. He has to get ‘info’ from me first. More of my time wasted. He tries to tell me a phone number to call. I do not want to be put on hold for 20 minutes again. I have a young family that I needed to spend time with. I tell him, “NO! I’m holding the paper statement in my hand as we speak – I ALREADY dialed the number that is printed on the PPPL statement – isn’t there anybody there in charge who can quickly resolve this simple problem for me?” He says he will put me on hold and get his supervisor. Ten minutes later, I am still on hold and I have still spoken to no one. This was too long and ridiculous and I had stories to read to little girls so I hung up the phone having never gotten a chance to speak to the so-called PPPL supervisor. Therefore, the problem remains. (Hint, PPPL – visit with Geeks about how to ‘do’ customer service CORRECTLY!) Here is the big picture I have tried several times to be responsible and pay Geeks via PPPL as agreed upon. PPPL keeps messing up and taking my time which is also taking my money because time is money. I ‘went around’ PPPL and paid Geeks myself because PPPL was so incompetent. I will not call and be put on hold again. And, if this charge is not removed from my account and ‘push comes to a shove’ – you will hear from my attorney. If you’d like to call me about this matter - email me FIRST regarding the time you will call me and/or call my wife. I am DONE being put on HOLD FOREVER with PPPL and getting nothing but frustration for all my attempts. I expect the charge of $64.98 to be removed from my PPPL account immediately and I expect to the account to be closed immediately. I will never use it again and will tell everyone I know to do the same. Stick with real cards from real banks that offer real customer service. I will be emailing and snail-mailing this to all affected parties. Regretfully, Dean Welsh A former PPPL account owner PS: again – I will NOT call you about this – you can call me and have I put YOU on hold for a refreshing change. Email first if you like to set a time to discuss this nightmare. tamwelsh@yahoo.com my cell: [protected] my wife’s (Tammy): [protected] Call between 500pm and 700pm CST as we both work. It would be best to call her. If you need to speak with me – so be it. Let’s just get this simple mess cleaned up ASAP. If you call and leave a message – please have the common courtesy to leave me a phone number with a NAME and a DIRECT extension number (again – learn from Geeks how customer service SHOULD be done.).

This is my actual email to Old Navy, whose card is funded by GE Money Bank. There is no end to their lousy services and their inability to answer questions for what they do!

----- Original Message -----
From: Robbi
To: customerservice@oldnavy.com
Sent: Friday, March 28, 2008 10:32 PM
Subject: You have a problem

I am forwarding three emails I have reveived from Old Navy which state my online payment cannot be made. The emails state Old Navy received a notice from my bank with each attempt stating the payment has been rejected. I have contacted my bank, and they do not show any record that these payments were even attempted, much less rejected. There are however other payments from the same account that have been successful in the last three months. Whatever the problem is, it is on YOUR end and I request that it be corrected. My banker requests that someone from Old Navy call her to verify the funds are available and that the issues causing non-payment are NOT originating from my account or CNB. Her name is XXXXX and her number is XXX-XXX-2121.

Thank you,
Robbi McCormick

Since GE MoneyBank is such a PAIN to deal with, FILE A COMPLAINT WITH YOUR STATE'S ATTORNEY GENERAL! If enough people do this then something will be done. Until everyone stands up for what is right and quits just shrugging off the illegal activities of these companies, the ABUSE WILL CONTINUE. That is what it took to get GE MoneyBank & HSBC to leave me alone.

These ###s are trying to take me to court now. I had financed tires through GE money and after about a month I never recieved a bill so I tried to find a number to call them and these people are idiots. This is my second go round with these people and on the last loan I had to get a lawyer to get them to mark my account as paid in full. I sent them 3 checks which they claimed they never recieved so meanwhile my account kept building up late fees and interest. What a joke - lets do something about this!

We take these situations very seriously and would like to investigate this matter. However, we are unable to do so without your name and account number. Would you please contact me directly so that we can further investigate?

CareCredit Customer Care Leader
[protected], Ext 4122

I personally have several accounts through GE that I have never had any problems with, but I wanted to share some information with those of you that have or will post complaints on here. I personally make all of my payments online via www.geonlineservice.com. Paying online is much more accurate and effective than mailing payments via check. It amazes me that anyone sends checks when you can pay something online the day before or on the day it is due. Not only do you ensure accuracy that a payment is received but you get confirmation. Not one credit card company is as leniant as they used to be. I remember the days when you had a 3 day grace period after the due date before your payment comes late. Every credit card that I presonally have has no grace period which means I either pay it before or on the day it is due or I am assessed a late fee. If you are paying online be sure to read what the time frame is for same day posting. If you don't, then it is your own fault for not reading the guidelines. I see many complaints on here about people not being able to get late fees removed and I am amazed. On one of my accounts I completely forgot to make my very first payment and was assessed a late fee. I simply called in to cardholder services and told them that I never received the bill and they happily credited the late fee. Because of that missed payment I did receive a call from collections and do admit they were rude, but let's face it all collectors are rude no matter what company it is.

The best advice I can give everyone is to "READ YOUR BILLS" and never set up automatic payments. If you let a system automatically pay your bill every month so you don't have to worry about it and mistakes happen, it's your own fault. Stop blaming someone for your laziness.

For those of you that are new to these types of finance programs I encourage you to make sure you understand the details before you agree to a promotion. Keep in mind that most promotions are not interest free. They are in fact deferred interest programs. A 12 month no interest promotion is in fact interest free, unless you miss payments and lose the promotion. A deferred interest promotion only means that during the 12 months interest will accrue but is not due until the 12 months ends or you miss payments and lose the promotion. Also, most people don't realize that your promotional period expires exactly 12 months from the date of purchase (using 12 months as an example) regardless of when your payment due date is. For example: I make a purchase on 3/20/2008 on a 12 month interest free promotion. My monthly payment is due on the 25th of every month. To avoid finance charges I must have the entire balance paid in full by 3/20/2009 even though my payment due date is the 25th. If you read your statements there is a promotional purchase summary that clearly explains all of this.

If you apply for one of these accounts and don't receive a card or bill within 30 days call the business that you made the purchase from. Don't wait until you start getting harrassed by bill collectors to mention that you never received a bill, frankly they don't get paid to care but to collect your money. The company that you made your purchase from can provide you contact numbers to get these situations resolved. Remember, sometimes the reason your promotion is wrong is not because GE is trying to screw you but because the company you purchased from processed the sale incorrectly.

So, with all that being said by no means am I defending GE or any other credit card companies practices. If you truly think about it many of the errors are simply due to our error or human error of customer service reps. We should be petitioning these companies to pay their employees better and bring jobs back to the US so there are less disgruntled employees making a company look bad. Many of you may not realize that the reps we scream at only get paid between $8 and $10 an hour to listen to us ###. Would you care if that's all you got paid? We should put as much effort in to fighting to bring jobs back to this country as we do in these complaints that we write about poor customer service.

I think GE Money bank has the rudest people in the world handling their customer service. I was making my normal payment every month only to find out that they were attaching interest to the account which has made my account fall behind and now they say I am in the rears. I think GE Money is a bogus institution and should be looked into by the attorney general. They are making way too much money off of people . People don't find out until it is too late that they have fallen behind due to interest. Your balance never goes down it continuously goes up.

Ditto! to everything you said. Pretty much the same thing happened to me with a 12 month no interest account. I have since paid off and cancelled every account that was managed by GE Money Bank.

I have never had an account with GE money, but they claim I owe them money, after calling and waiting on line, [protected], I explained that I was getting billings from a creditor and did not have an account with them.

The person just hung up!

I called back, the guy goes, '"this is antony, can I have your acount number?" I said I needed help. He hung up.

This is not service, this is insulting and rude behavior.

I am in the middle of a nasty fight. I sent them a cashiers check for $1271 to pay off an account. They cashed it and one week later still say they have not received it. "Paul" said he can see the check in the system and that it was credited to the wrong account. He told me to call back 4 days later and that the system would correct itself. Today I called back and spoke with "Sandra". She said they don't take cashiers' checks...even thought they cashed it. The "escalations" manager named Dawn was extremely rude. She hung up the phone. After calling back, I was given another "escalations" manager named Steven who told me that "Sandra' was wrong and that they did take cashier's checks. But he also told me that I would have to go to Bank of America and get a copy of the cashier's check fornt and back and fax it to them. I just did that and they now tell me that it will take 10 to 14 days to rectify the problem...all the while, my payment is due.

They have my money and they are holding it hostage. Their incompetence is amazing.

I just called GE Money Bank and was Rudley hung up on by a bon ya ta named Laura, which is in Ohio. I was upset because everytime I try to get online to view and pay my bill, the system locks me out. I called back and ask to speak to the manager and I am put on hold for a long time. GE Money Bank needs to learn how to treat their customers with RESPECT or else, they will go else where. If you dont take care of your customers, someone else will. Every time when I get a RUDE customer service agent thatis rude with me, I will plaster their name here on this site. Then maybe the company will get the big picture then.

I have kinda the same thing going on, I had a rather large dental Bill, so I got a carecredit account in Febuary of 2007 . I pay $1500.00 a month because I only have 18 monthes of interest free. But I have to send 3 money orders of $500.00 each to make that payment, New York money order limit is $500.00. In Sept of 07 I sent 3 money orders for $500.00 each and was only credited with 1,000 not the 1,500.00 I had sent it is now March of 2008 and cannot, for the life of me get them to credit my account the 500.00 that I do have proof of and have sent to them 4 times. I have mailed it, I have faxed it and Ihave called them at least 15 times they are rude and have no clue whats goin on, everytime I call no one knows whats going on and they all say" I dont have any answers for you" so i ask for a supervisor again , dumb, dumb, dumb and rude as they come, as if how dare I ask for what I have coming withProof I might add. They make you crazy and exhausted. You shouldnt have to fight so hard to get them to do the right them, no ones being held accountable there, it 's just pathetic

Let's start up a class action against GEMB! Can anyone help me with procedures? This company is worst than the old Mahia, who created a problem, then turned around and offered to protect you from that problem for price. Oh wait! May they aren't so old and outdated, looks like they may have reinvented themselfs in GEMB! GEMB has taken corporate crime to a whole new level. They must be stopped!

My horror stories mirrors everyone elses, so I won't go over it again, just make your self a note to close any open accounts you are not using, all those connected with GEMB, do not open any account with JCPenney, Sears, Lowes, Dilliards or Macy's. Watch your credit report very closely. Maybe we should all get in our cars and tape message boards to the doors about this company and parade arount the different stores involved so we can help stopped further growth of this problem. I personally am copying many of the different complaints from this message board and handing them over the the store managers of my local stores. This make me feel a little better. Maybe I can stand outside these stores and hand out flyers?

DON' USE GE MONEY! I had one more payment to go before my no interest no payment promo period ended. I have the statement that indicated full payment needs to be recieved by 02/08/08 to avoid the finance charges. I did this and was still handed the finance charges. I called and could not get anyone that spoke clear english. I was told that I should have paid the bill on time. I told them that I did and they disagreed. I had the statement in hand and the one from their own web site which showed the due date was the 8th. They stated it was the 3rd. I was told that I could not dispute finance charges so I just needed to pay it. I then asked to speak to a manager, who was of no help either. She did tell me that I could send a letter of dispute, which I did. I got a generic letter in the mail telling me how finace charges are calculated and what I owe. I was told to call the 800 number if I needed further help, which they were not in the first place. Really bad experiences with them. Go elsewhere.

No offense but you failed to pay it off during the promotion period... it is your fault. Not GE's.

Yeah a 10.00 fee to make a payment over the phone. ALL COMPANIES DO THIS. However you represent the worst america has to offer. Credit is a privledge, not a right. Terms and conditions for credit... you are aware that this is a LOAN from a 3rd party financial institution. Yeah sometimes they'll waive a late fee, for a legitimate reason. You are responsible for paying the credit card, not them. Learn responsiblity

After filing complaints with the State of Connecticut DCP, BBB, and attorney general's office, I received yesterday 2 checks from G E MoneyBank. Not only did they finally return my overpayment from 1/4/08, I was also refunded my $15 electronic payment charge.

I would encourage every single person posting feedback to take the time to file complaints with your local Department of Consumer Protection - Banking Division, The Better Business Bureau and your state's attorney general's office.

SEND A WRITTEN COMPLAINT TO G E MONEYBANK - very important - send it certified so that you have a record. Make sure you cc every single agency listed in the paragraph above. Send a copy of that letter every week until you get results. I've used the same process when Jennifer Convertibles refused to provide a refund on a defective couch. After 2 strongly worded letters that had all of the state agencies cc'd, I not only received my refund, but also the delivery charge was refunded and a letter of apology as well.

If you do not complain in writing, nothing will be done. Let your voice be heard so that others may benefit. Shut down GE Moneybank and send 'em packing!

I mail a check in the amount of $100.00 to HHGregg to pay a bill, which all of their payments go throught GE Money. When they received the check they electronically debited my bank account for $1000.00 which of course caused a negative balance in my account which in turn cause other checks to be returned. I have contacted GE Money on several occassion about this error. They agree that the error was made and still have not returned me my money. This has been 11 days ago. Each time I called the 1800 # I get a different person and have to explain the situation all over again. I have asked to speak with managers and still no assistant. They are know telling me that they have no idea when I will receive my money back. If anyone knows of someone on the Board of Directors or the CEO's phone number please contact me with that information. I am a single parent and can't afford to wait until they feel like returning my money. They are still getting interest off my money and that is not right. 334/538-3926

One oversight I see from GE Money Banks website is your inability to see your statements and also view when your promotional date will end. All other credit cards allow you to download them. I just see this as one more way GE is trying to get you to pay the interest in full. I just started on a tv i bought, I'll heed all these warnings and make sure I pay in full, early.

This company has reported a bad debt against me and ruined my credit. They harass me constantly. They financed a course through CBT Direct that I returned within 30 days of receipt over a year ago! I am STILL receiving harassing calls from collection agencies and lawyers. I DO NOT HAVE THE COURSE. I DID NOT TAKE THE COURSE. I RETURNED THE COURSE WITHIN 30 DAYS OF RECEIPT. GE Money Bank needs to go after CBT Direct unless they are part of that rip-off company. The first thing they need to do, though, is remove this claim of a bad debt from my credit history. I had good credit until these people ruined it. I don't have the stupid course and I didn't take it. They need to check their facts. Obviously, from all the complaints listed, I am not their only victim.

I had a $1350 remaining balance for laser hair removal with them. My promotion ended two weeks ago, but I thought it was due at the end of the month. I went to pay the balance in full today and noticed that they tacked on a $620 finance charge! I thought it was a mistake and called them and they said sorry it's deferred interest charges from your original transaction date. I'm going to file a suit/complaint today for unfair practices and usury. I think we should all unite in a class action against them. If you are interested in joining me, please send an email to my personal account: Prsnlily@aol.com