After falling behind on ONE payment of approx. $25, GE Money began calling me upwards to 10 times a day. I finally spoke with them and explained my current situation; they seemed recptive and even "reversed" the late fee. I pre-authorized a payment for August 7, 2009, only to find out they took it out on August 4 instead. Not only did this cost me $70 in NSF charges, but they charged my another late fee AND a $10 fee for a "phone payment."
I spoke with them today and explained that this whole ordeal has just cost me $120 in unneccessary charges, and that I wanted my $70 back, the late charge reversed, and also expect reimbursement for the $10 phone payment fee, that I was never told about.
I was told that the manager was going to "review" my phone call and determine whether or not I truly did request the payment to be on the 7th, and to call back NEXT WEEK!
For God's sake, I could have went online myself and made the payment for FREE. This is just crazy! Fortunately, my bank (who said they have heard of several similar situations with GE Money) graciously agreed to reverse ONE of the overdraft charges for me.
I can't imagine that GE MONEY will admit their wrong doing, even if they do bother to "review" my phone call.