GE MONEY / Bad customer service and fraudulent charges!
I HAVE FILED A COMPLAINT WITH BETTER BUSINESS BUREAU... If you have experienced similar problems, you should too!!! I applied for a Care Credit credit card approx 4 years ago and use the card only for my sons dentist and ortho bills. In 2006, I asked for an increase in credit limit to allow for my sons braces and it was granted.
In Dec. 2006, I found that every time I made a payment of $78.00, my balance was going up, not down. I called Care Credit very upset about this, and no one could help me, nor understand me, nor could I understand them. I stated stated that I was considering closing my account.
A few months later, when calling in for another reason, I found that my account had been closed per my request. I never requested this, however because the representative, who can not speak nor understand English, decided that this is what I wanted, this is what happened. I told Care Credit that I did not request this, and they have told me, as they have everytime I have called them for any reason, that there is nothing they can do.
On July 9, 2007, I called Care Credit because I found once again, that I am paying $120 per month and my balance continues to go up. It seems that they tacked on a deferred interest amount that brought my card over the limit and they are charging me $29.00 in over the limit fees. So for each $120.00 payment I make, the balance goes up by $15.00. As you can see, these amounts will get larger as time goes by because it adds to my balance and I am getting charged interest on interest. I asked to speak to a supervisor on this call as well, and was told I could not. No one was available. I was then told that some one would call me... no one did.
I called back on July 9 to pay off my card with a credit card that I wanted to transfer that balance to so that it would not be a financial hardship on me. I was told by Care Credit that they could not do this because it had to be from my checking account. My guess is because they want to make it as hard as possible to get out from under the card because they are gouging their customers and this is the way they make their money... so why would they make it easy for you to pay off the card!!
On July 11th, I called and spoke to a supervisor named Natasha. I was told that she was sorry, there was nothing she could do. I explained to her that I did not request this account be closed, and she stated she was sorry, but it says I requested it. I explained that I did not request this, and she stated I could re-apply. I would not have a problem with the account being closed if it did not impact my credit score. However, it does. I don't feel that a representative from India who can't speak our language should have the power to affect my credit score because he thinks I said something that I did not say, but because he typed it into the system, it is what stands.
I do not feel that Care Credit / GE Money treat their customers fairly. I don't believe they should be able to impact my credit score based on what a representative THOUGHT I said, or decided possibly that because I was upset and threatened to close my account that they could take it upon themselves to just do so. This was not my wish and was not my intent at the time. Only a thought.
I do not believe that they should be allowed to deny payments of any kind.
They need to give better customer service.
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