GE Money Bank
United States - 06828
GE Care Credit issued credit in my name to an ex-wife of mine. Candace Browder and I had been divorced for 15...
After paying my account off in full, I was about to buy a watch. I called to see if I could get an increase. After going through several automated menus, I reached the 'credit' department. The person asked me a few questions, then hung up. I called back [again after navigating through numerous sub menus] and was told my account was locked out. I was told I would receive a letter indicating what steps I would need to re-activate my account. Subsequently, I received a letter indicating what steps I would need to take. I sent in the required information. That was a month ago. My account is still locked and I have not received any correspondence or acknowledgment of my letter.
Basically, there is no customer support. The only option is to send a letter to a PO Box in Texas. There is no phone# to call and lodge a complaint. The associates that you do speak to aren't authorized to give any type of answers. I have had an account with GE Money for over 5 years. Overall, I would rate their customer service at -10. Having dealt with numerous banks and credit card companies, I would say GE Money is on par with Aspire Visa [on par as in same poor level of accessibility]. If you have a problem, you are out of luck.
I received a bill for my membership to Sam's club. I did not want to renew it, do sent a letter to GE Money indicating I would not be renewing my membership and cancel my account. The fee was 40.00. A month later I received a letter confirming cancellation and informing me my balance was Zero. Within 2 months they reported to the credit bureau a 40.00 delinquency and reflected it as a "charge off'". I challenged the issue through my crediting reporting agency, who questioned GE. Their response was "it's accurate". No change on my credit report. I then sent a letter directly to GE and they didn't even have the courtesy to explain the transactions, only sent me copies of the statements, one reflecting the 40.00 and they other zero. So, do they expect me to pay for something I didn't want and told me so. It's still on my credit report as delinquent.
I also have a problem with this company - but my approach is different. It won't do you much good to...
Loan companies love late payments and hate online banks. GE Money Bank has solved this problem by simply issuing false billing statements and illegally obstructing the victim's efforts to resolve the 'error'. In my case GE flatly denied receiving a payment sent them online by direct deposit from a reputable bank.
I opened a credit card with GE in Dec. 06 with 0% interest on transfers for one year. I programed my bank to automatically pay them online every month and the first payment was received and credited correctly by GE's computers. On the very next statement, GE declared that no payment was received in January 07 and immediately hiked the interest from 0 to 24.99%. (All subsequent payments were processed correctly.) I called GE (twice) to report the "billing error", the second time with the confirmation codes in hand. GE customer service flatly refused to accept my call. I asked them to do a elementary computer search which could find the 'lost' payment in five minutes. I was told "That is strictly against company policy. You must submit a written letter with a bank transcript." I sent a letter and it was ignored, as I knew it would be. The moment that GE refused my call I knew the billing statement was a lie. (I know enough of computers to know that online banks don't make mistakes.) I trust that you know how a 'letter runaround scam' works. and I refuse to play this sucker game any further. I did some investigating that confirms my suspicion of fraud. The FBI told me that GE could have used the codes to find the 'lost' deposits in ten minutes. My bank informant explained that GE needed neither codes nor transcript to fix my account. GE has records of the money they received from my bank account and are refusing to consult those records, demanding a transcript under false pretenses.
On examining the evidence (I have documents) there is virtually no doubt that GE issued a false billing statement with the intent to steal, breach a contract under false pretenses and defame my character. (Their dishonest customer service policy removes all any doubt that the false statement might be an 'error'.) But note this: GE's obstruction of my report may be more than an "unfair billing practice": it is probably a criminal act. Most states (if not all) have laws about "misplaced funds", such as a check that is cashed but not properly credited to an account. The law obliges an honest company to restore a misplaced fund to its rightful owner by any means necessary, whether he complains or not. Any company who willfully interferes with such a report by a client with the intent to pocket the money is guilty of obstruction and theft. That is clearly GE's motive and such a dishonest customer service police shows this company capable of issuing false billing statements. It also shows that my case is not isolated: GE must be doing this to people on a systematic scale, by the hundreds or thousands. GE Money Bank is a criminal operation.
I submitted this case to the Office of Thrift Supervision (Dept. of the Treasury). I don't know their reaction yet.
I ONCE HAD A SEARS CARD THAT I OPENED UP WHILE IN FLORIDA FOR A SUMMER AT AGE 20. AFTER THAT I WAS UNABLE TO PAY ON THIS CARD BECAUSE I MOVED TO ALBANY, N.Y. FOR SCHOOL AND MY BILL WAS BEING SENT TO MY HOME TOWN IN SYRACUSE N.Y., THIS LED TO ME NOT PAYING ON TIME AND RECIEVING LATE FEES AND OVER LIMIT FEES THAT I COULD NOT PAY. AFTER DISCUSSING THIS WITH SOMEONE FROM SEARS THEY SAID I COULD JUST PAY IN THE STORE, THIS WAS NOT POSSIBLE BECAUSE I DID NOT HAVE A CAR WHILE IN COLLEGE AND THE ONE SEARS IN ALBANY DID NOT HAVE DIRECT BUS ROUTE. I HAD A BALANCE OF ABOUT 300-400 AND DID NOT HERE FROM SEARS FOR A LONG TIME. WITHIN THE LAST YEAR I STARTED GETTING LETTERS AND CALLS FROM SHARINN& LIPSHIE AND THEY TOLD ME I OWED OVER 800 DOLLARS, DOUBLE MY LAST BALANCE. I TOLD THE AGENT WHO CALLED ME I WOULD LIKE TO START PAYING THIS OFF. UNFORTNETLEY, I COULD NOT AFFORD TO GIVE THEM THE CLOSE TO 300 DOLLARS AT THAT TIME, THEY WANTED TO PUT ME ON A PAYMENT PLAN. FAST FOWARD TO DECEMBER 2007 AND THEY NOW WANT ME TO GO TO A CIVIL COURT IN A TOWN I DON'T EVEN LIVE IN ANYMORE.
On 12/16/07, I attempted to make an online payment using GE Money's web site, paying the balance in full roughly one month prior to the end of the promotional period. In noticing the payment did not clear my checking account on 12/19, I contacted the Customer Service area and spoke with a representative. In reviewing the payment information, he indicated that (per his records) the ABA routing data was correct, but per his file, I had inadvertently (or had I?) input an incorrect digit in my account number. He indicated that he would make a note of the input error in the file, and did NOT indicate that a fee would be assessed. He also offered to make the payment for a fee ($15) over the phone, but he confirmed that the payment did not have to be received until mid January to avoid finance charges, so I opted instead to use a statement I had and mail a check in, which I did immediately following my conversation, still with WEEKS to go before expiration of the promotional period.
On 12/20 the above referenced account was assessed a $29.00 Returned Check Fee related to the attempted online payment, despite my having spoken to them on the 19th.
As the information to post a correct entry was provided to GE Money Bank on the 19th, AND I expressed a willingness to have the correct transaction processed at that time (but not for an additional fee), I have been attempting to contact the customer service area to reverse the $29.00 fee upon receipt of my check for the ORIGINAL balance (pre $29 charge) to clear the account balance. At this time I am still trying to make contact with GE Money Bank, but based on others' complaints, I hold little hope for a satisfactory resolution. It appears that they thrive on making it difficult for customers making on time payments in full, and interestingly, afford customers no way to reach customer service online via email, instead forcing interminable waits on their "customer (non) service" line.
I am even wondering whether I actually made an input error, or if GE Money Bank intentionally created the error to generate a return item fee (and possibly finance charges and late fees had I not noticed the error until receipt of my bank statement in January).
I paid off a one year interest free account. This month I had another statement arrive reflecting the...
• December 2006: In response to an ad for a free exam, I called Dr. Donald M Fox’s office (915 Court St, Clearwater, FL) to make an appointment for my daughter. Debbie Fox answered the phone and urged me to come in right away even though I told her I wanted to make the appointment for January after daughter’s 12th birthday.
• At the “free exam”, Dr. Fox examined daughter and presented a report. Debbie explained the report; she stated my daughter would need an expansion retainer then braces to correct her teeth and that it would take 18-24 months.
• Debbie asked about insurance. I explained that I am a low income customer and my children were covered under the State of Florida Healthy Kids/CompDent Plan and that I had checked to see that Dr. Fox was on the list of approved providers. Debbie said that treatment isn’t covered by CompDent, however, their office would give us a 25% discount. She said the “free exam” was now a “consultation” which is not free. She charged $198.75 which I paid in full by check. She referred me to Care Credit by GE Money Services to cover the treatment cost. I told her I’d like to get an estimate from more than one credit company.
• That afternoon, I applied for two credit accounts and was approved by both companies. Debbie was notified of the approval and called me right away to come in and sign paperwork for CareCredit. I told her I wanted to use Capitol One because it had a lower interest rate. She told me that she was not happy with that bank or their terms and encouraged me to go with CareCredit by GE Money Services because they are easier for her to work with. I was reluctant, but agreed to do what she wanted because she was so adamant.
• Debbie explained the total cost for treatment was $6,420, but Dr. Fox would honor a 25% discount since I was a low-income customer. That brought the fee to $4,815, but then she added on $433.00 (not sure for what – can’t read her handwriting) so the total was $5,248.00 which they charged my account in full right away January 11, 2007 even though I had not received services yet.
• In mid-February I received a phone call from the CareCredit GE Money Bank collections department, notifying me that my account was past due. I told the customer service representative that the account was brand new and couldn’t possibly be late. I had not used the account yet and I had not yet received a statement. She verified my address, etc. I continued to receive phone calls from CareCredit collections dept over the next few weeks. I told them I still hadn’t received a statement and asked if I could view the statement online. They said I was not allowed to create an online id to view my statement since the account was in default. I worried it wasn’t really them, but a phishing scam so I refused to pay via telephone.
• Eventually, I received my first statement. It was dated March 3, 2007. The account was delinquent and overlimit (with fees). Furthermore, my interest rate went up from 11.9% to 28.990%. I tried resolving the issue via letters and phone calls, but had to give in and pay what they demanded for fear of reporting to a credit agency.
• Meanwhile, daughter received an expansion retainer February 26. That is the only service we’ve received from Dr. Fox. A $5,248.00 upper expansion retainer.
• I have written letters, made phone calls and sent extra payments to Care Credit. They refuse to lower the interest rate or acknowledge the first statement was not received by me.
• Recently, I called to complain again and beg for a lower APR. I asked to speak to a supervisor, Kim, who asked me what does “being a single working low-income mother” have to do with my “delinquent account”. I explained to her that this account is unfairly expensive to those who can’t afford it most. Furthermore, it is common sense that a person in my situation has very limited time to deal with even this type of injustice. Dr. Fox’s office knew I was a low-income single mother with no support and it was reflected on my GE Care Credit application. The GE Money Bank account representative working with Donald and Debbie Fox was fully aware.
• My account is not in default, nor has it ever been in default according to my records and the credit agency records. I did not receive statements in a timely manner, I was not allowed to sign up for an online account right away. When I did, I signed up for the automatic payment…which conveniently never happens. Furthermore, I’ve sent way more than the minimum payments even though I cannot afford it, in an effort to reduce the amount of unfair finance charges.
• Most importantly, it was not clear to me, the low-income consumer applying for a loan to cover a necessity for my child, that a payment received 1 minute past the due date would result in a 28.99% APR that lasts the life of the account. I agreed to accept this loan on the basis of an 11.99% APR and a fixed payment of $138.00 per month for 4 years. My credit reports correctly show this account has never been 30 days late.
My mother has had a insurance policy thru her JC penny's credit card. She has made the payments for the insurance faithfully for years. In July my parents had to file for brankrupcy. She re-affirmed the JC penny's account and continued to made the payments for the insurance. Come to find out JC Penny's closed her account without notice and instead of re-laying the payment to the insurance company they just credited it to a closed account. She had made two payments toteled and none were sent to cover her insurance policy. Now her accident insurance has lasped and she is not covered even thuogh she has paid. The insurance company states that they want a double payment to re-instate her policy and JC penny's through GE money Bank just give her the run around on the refund of the payments she did make. Why did JC Penny's cash her checks in the first place if the account was closed?
I just found out how unethical GE Money Bank is. I purchased a DRpower grader though Country Home Products about a year ago, approximately 6 months after the 6 month free trial, I started receiving phone calls from GE Money stating that I was behind in my payments. I stated that this was impossible, because all my monthly payments where made on time every month though my bank online.
To make a long story short.. I was told by GEMB that I was not paying off the purchase quick enough and that the had raised my payment from $30 to $84 a month. As of today, I'm $384 behind in late fees. It will be a cold day in hell before I give GEMB anymore money, I will be contacting my attorney to see what recourse I have to put a stop to this rip-off.
One of the reasons I purchased the DRpower grader, was the advertisement on Country Home Products website **Flexibility to make low monthly payments or pay in full. (see below)
I will never do business with GEMB again!!!
DR Credit Card
Make No Payments / Pay No Interest for 6 Months
Pay for your order with DR Credit and you won't have to make any payments or pay any interest for 6 months!
Make No Payments for 6 Months (with $300 minimum order)
Pay in full at that time and you’ll avoid all interest charges too!
**Flexibility to make low monthly payments or pay in full
No money down
No annual fee
No prepayment penalties
No application fee
GE Money Bank d/b/a Care Credit Cards has quite a bate and switch going. They tell you all about deferred...
Similar to others, first billing had a late fee and finance charge. Three phone calls, unable to reach supervisor, finally reached supervisor who had an attitude.
Care Credit is GE Money and GE Money is owned by GE. I have emailed them at https://www.ge.com/contact/contact_form.html
as I suggest we all do. Maybe when GE gets enough email about their rogue company, they may be inclined to at the very least to correct complaints coming to their email.
I mailed payments for my account on November 3rd. I have always made payments on time and usually made more...
Good God! I thought I was the only one that had a horrible experience with these ###. It's like this. I...
Ge MoneyBank has turned over a debt of 1311.00 to this company NCO collection agency. I have only had the paypal credit card for a few monthas and have eben trying to pay. I guess trying doesn't count. The minmum payments increased and they charged me $50 late fess this past month. I took out a cash advancne ,big mistake, to help save our house which increased the bill. They harass you over the phone a well .I read all terms. They closed my Paypal Credit card and I cant' use it. It didnt expire until July of 2008. Sure I ran a little behind but doesn't everyone at times? I received no warning this would happen.
Recently on 10/6/07 I was in my local Belk store & as they always do, I was asked if I'd like to open a Belk charge to save on my purchases. I was making a large purchase so said OK. I got my temporary card# and the cashier said oh I'm sorry and withdrew it advising I would get a letter of explanation in the mail. I got that letter yesteray, 10/20/07. It directed me to contact GE Money Bank, apparently the backer for the Belk CC. No number was give and the reason given for declination was UNABLE TO VERIFY IDENITY. Well, having never seen this I called Belk who could not believe there was no ph# for GE Money Bank, after reading their complaints on line I see why. Belk though called them while I was on the line, they put a rep on the line who was nice & said he'd try to get this approved & that they had attempted to call me on the home ph# 3 time to verify my identity. I told them I was at work & have an answ mach & no messg left. Asked why they didnt call the other 2 #s one of which is my cell & w/me all the time. He said there were no other #s on the application. I told him I was looking at my application & indeed all 3 #s were there. I asked how he confirmed someone called me and he said b/c it was written on my file. I told him if anyone called they didnt leave a message and could we verify it now, he went to a supervisor & put him on the phone, a guy NAMED ERIC. He sounded more like one of those bill collectors...you know the type you hear about on the tv ads....he said he WAS NOT GOING TO APPROVE IT NOW BECAUSE I DIDNT ANSWER THE FIRST 3 TIMES THEY TRIED TO CALL. For goodness sake, I work during the day....I will write a long letter to Belk on Monday and suggest they look on this webiste (complainsboard.com) and perhaps look to another vendor to handle their credit cards. Thank goodness they didnt approve me so I didnt get hooked up with these sheisters and liars.....
I have had a ge money bank care credit account for 2 years now, i have made payments for those 2 years and...
This is regarding: GE Money Bank
P.O. Box 960061
Orlando, FL 32896
I have bank documentation (cancelled check) that I paid off my account in full on July 15, 2007 ($203.93). I received a statement on Aug. 8 reflecting my previous balance ($203.93 plus a $29 late fee. I called the company upon receiving the statement & was told to mail a copy of it to them. I mailed a copy of the check on Aug. 6. I received yet another statement on Sept. 17 again reflecting the original balance owed plus another $29 late fee. I called the company on Sept. 17 and spoke with someone named Ecarney and told her about mailing my cancelled check. She claimed they had not received it & suggested I fax the cancelled check to "payment research." I did that promptly on Sept. 17. I called on Sept. 20 & spoke with Jeff. He gave me yet another phone number to try to resolve this issue.
I called the number he gave me [protected]) & spoke with Miriam. She said to call back next week and that I could not talk to anyone in the "payment research" dept. Everything was done by fax. Meanwhile, another letter came in the mail dated Sept. 23 saying my acct. was deliquent. I called yet again on Sept. 25 at 2:30 p.m. & Jessica put me in touch with her supervisor, Robert. He claimed it could take up to 30 days to solve this dispute and in the mean time, nothing could be done.
The company called me at home on Sept. 28 at 6:10 p.m. I spoke with Dwayne and he said he would let "payment research" know about the problem. I received yet another statement on Oct. 14 claiming I owe them a balance of $316.69. I called the company on Oct. 14 & asked to speak with a supervisor. I spoke with someone who identified herself as Jenny Brown and she indicated the number I had faxed the information to on Sept. 17 was incorrect. She gave me yet another number [protected]). I have not yet faxed anything to this number because I don't know if this one is correct. I filed a complaint with the FTC (Federal Trade Commission) on Oct. 15 (ref. # [protected]). I have called GE Money many times regarding this matter, but they will not investigate it. Instead, they keep sending me letters & statements saying I owe them money and I have not paid them. I feel like this company is not taking me seriously and not researching this mistake. I do not want my credit ruined for this.
I financed a Tempur- Pedic mattress from Rooms To Go with interest free payments to be made to GE Money Bank. GEMB issued a credit card to me with my name shown incorrectly on the card. I have made THREE attempts (since 9/17/07)to get GEs error corrected and I can't even get a response. I canceled the card and have yet to elicit a response from them.
Are they too big or just TOO BAD...