88 Comments Add your own

• 1. phillip c wilson    May 12th, 2009 at 4:22 pm

  Two years ago I co-signed for a loan at GE Moneybank for my daughter and son-in-law to buy my two grandsons dirt bikes. The total came to over $12,000.
  One of the bikes was stolen two weeks later and the insurance didn’t cover the full cost to replace the bike. The dealership didn’t have the same bike in stock so they bought a more expensive one. I also co-signed on that loan. My son-in-law bought the disability insurance, Debt Security, on this 2nd loan, which is quite expensive. He’s been paying on it monthly for 2 years and is currently paying $60 a month. The dealership, for some reason, listed me as the primary cardholder on the second account. About 2 weeks later I received a credit card and the first statement. I gave the bill to my daughter, cut up the card and, called GE to change the mailing address, which they did but, it still came in my name.
  My son-in-law had an accident at work and is on Workmans Comp. He filed a claim with Debt Security.
  A week later I received a letter from Debt Security saying they wouldn’t pay because I was the primary cardholder and not covered under the policy, although everything was in my son-in-laws name.
  I talked to 17 different people in one day after I received this letter, some at GE, some at Debt Security. They kept transfering me back and forth..Debt Security said they couldn’t pay because the account was in my name and GE said it was up to Debt Security to settle the issue, since they were the policy holder. That was four months ago. Both my daughter and I have been trying to fix this proplem with no luck. No one has the power to change this.
  Does anybody know where the Corporate office is? Does anybody know of a branch of GE and it’s location? I am retired and willing to drive anywhere I have to in order to talk to someone that doesn’t have their head up their ass. I don’t care if it’s the CEO or a branch manager. I can’t seem to get anyone that can help me. If I can’t get this resolved who do I call. The Better Business Bureau or my Sate Representive or who?
  Please help.
  Phillip C Wilson
  Kalamazoo, Mi

• 2. Bobby    May 12th, 2009 at 9:07 pm

  I called to have my paypal buyer credit canceled, and had asked them for a written statement that it had been canceled and that they let the credit bureaus know that it was at my request that it was closed. I just hope they stick to their word and that it doesn’t affect my credit / FICO scores. I am just trying to be responsible and close down the accounts I know I will never use and have never used in the 1 1/2 to 2 years that I have had the account

• 3. Sara in DC    May 14th, 2009 at 1:36 pm

  I’ve been reading and feel a bit redeemed since I’ve had very similar dealings with Care Credit/ GE Money. When I began the “loan” process for dental needs in October 2007, I received no receipt or paperwork (I’m trying to get this from the dentist now). BUT they mailed bills to a wrong address just like others have reported here. The dentist has a proper address, so why would they use a wrong address? I now believe this is a scam that Care Credit must be doing to try and bring in more money. This also lowered my credit rating because it appeared that I wasn’t paying my bills for several months. I learned of this in January and I complained loud and often enough to wipe out the late fees but damage was done. No one ever told me that I had 12 or 18 months interest free, and I have just learned that I am now paying finance charges on the balance. I lost my job last fall and began paying a reduced amount above the minimum via their online automatic payment process. Their customer service is terrible and talking with them only makes me more upset. I will likely be transferring the balance to my Chase credit card, but I am trying to tell others to beware. I plan to close the account before they do more dirty work.

• 4. allen H.    May 17th, 2009 at 9:39 am

  On Saturday, November 15, 2008 I went to Triad Appliance Center, 2566 S. Stratford Rd, Winston Salem, NC to get price quotes on appliances for homes I have under construction. The sales person I spoke suggested I apply for a line of credit, so that when I was ready to furnish the completed homes with appliances all that would be necessary for me to do was to call with the product line of my choice and the appliances would be billed to my GE Money Bank account. In mid November 2008 I requested price quotes on several product lines. On or about December 3, 2008 Triad Appliance Center closed their doors and filed bankruptcy, leaving patrons without merchandise they had paid for. I later discovered that they charged my account for merchandise I had not ordered, but had only received quotes for. I contacted GE Money Bank immediately to inform them and to dispute these charges. I received a letter dated December 11, 2008 acknowledging my account was in dispute. It further stated that I should not make payment on the disputed amount and that this would not be reported as delinquent to the credit reporting agencies, and that no attempt to collect would be initiated. The letter indicated that I would be notified in writing when the matter had been resolved. I have never heard back from GE Money Bank as to the status of this dispute.
  In early March 2009 I started receiving calls from a collections agency concerning this account, at which time I told them the amount was in dispute and should not have been reported. I cited the content of the letter I received from GE Money Bank. I immediately called GE Money Bank and asked to speak to a supervisor to ask why I had been reported and was told that the initial dispute letter was not the one I should have received. Another letter was sent to me dated April 10, 2009 acknowledging that I made contact with GE Money Bank to dispute these charges, however, this letter, unlike the original one, requested further information about the transaction. I submitted the requested information along with all pertinent documentation. I have continued to receive collections calls and a letter from GE Money Bank attempting to collect on this debt, all of which is contrary to the promise contained in the earlier letters that said this would not happen while this account is in dispute.
  In early May, 2009 I started receiving collections calls from an out sourced collections service attempting to collect on this debt. Out of curiosity, I checked my credit with the three credit reporting agencies and saw that this account had, in fact, been reported to the 3 major reporting agencies, contrary to what I have been promised by GE Money Bank account supervisors and the letters I have received from GE Money Bank. On May 13, 2009 I received a collections call from an out-sourced agency and when I explained that the account was in dispute the person that called told me this dispute had been resolved on May 5, 2009. I told her that I had not been notified of any resolution.
  Again I called GE Money Bank and asked to be escalated to a supervisor to try to resolve this issue. The supervisor told me they have received all the documentation I have submitted, and on May 6, 2009 I received 2 letters from GE Money Bank acknowledging this account is in dispute and that no payment is due on the disputed amount, and that this account will not be reported as delinquent and no action to collect on it will occur.
  On May 16, 2009 I received a letter from AlliedInterstate, Columbus, Ohio stating that this account has been turned over to them for collection. I have prepared a letter to them, containing all documents I’ve received from GE Money Bank.

  I am eager to resolve this issue and I feel like I have been fair and cooperative with all parties concerned in this matter by complying with all requests for information. I will pursue all steps necessary to restore my credit, and will share this story with anyone interested in hearing it.

• 5. Jason    May 20th, 2009 at 6:13 pm

  I bought a $1200 TV at Wal Mart in preparation for Christmas and having family over - this was in November of 2009. At the suggestion of Wal Mart, I opened a credit account, which I now know is from GEMB. My credit limit was $3000. The TV was the only item on the account, and I’ve been paying it off at a rate of $200-300 every month, and now in May of 2009 I got it down to $114 left on the account. I got a letter in the mail a few days ago that my credit limit is now $300. I’ve never been late, my FICO is around 720 on all 3 bureaus and they haven’t run a credit check since they opened the account. The information I’ve been able to find is that they are just shutting down a lot of accounts for no reason other than they really don’t want to be in the consumer credit business right now and have too much exposure to it.

  All this is only mildly annoying to me - I’m not really hurt by this and have other credit cards with $20k limits, but I feel a bit abused.

  For those of you who may have a legitimate claim against them, drop me a line and I may be able to give you a few pointers…I’ve got years of experience filing suits in state and federal court against credit card companies and other lenders; note I’m not trying to sell you a service but I wouldn’t mind helping you if you’ve got real problems with GEMB…jasonatktrk-tv.com is my email.

• 6. Mr & Mrs C W S    May 24th, 2009 at 12:53 am

  After reading so many” Ive had nothing but TROUBLE with G E MONEY card ” I now know it’s not going to do any good to complain, they don’t care. Why don’t every one get together file a class action suite …quite paying until they do something or your case is herd??? THIS COMPANY SUCKS AND SO DO THERE EMPLOYES,THEY ARE THE SAME ONE’S THAT CRY WHEN THIS HAPPENS TO THEM BUT WONT HELP YOU OUT BECAUSE THEY ARE THE SAME KIND OF AS#$%HOLES THAT THEY TRY TO DEAL WITH! JUST TO STUPID TO SEE. WE ARE DONE WITH THEM DONT JUST WRITE TELL EVERYONE YOU KNOW AND PAY THEM OFF AND THEM TELL THEM TO @#$%^&*( OFF!!!!

• 7. john t, gaston    May 24th, 2009 at 11:11 am

  just applied for credit at lowe’s and was turn down. thank for this information , i’m glad that i was turn down and i going to stop shopping at lowe’s until they change their’s way of dealing with this company. maybe lowe’s don’t care about theirs customers to do anything about it and lowe’s approved of the way this company does business. any way you look at it something have to be done and NOW not later. this will cost LOWE’S around $20,000 to $30,000 as i going thru a re-finish of my home (re-during my home from top to bottom) i hope this will open their eye’s —

• 8. Biddy    May 30th, 2009 at 10:41 pm

  I work for Lowe’s and if any customers ask about the credit card aps I tell them not to cause GEMB sucks and they will pay for it in the long run. I know this sounds counterproductive, but I’m honest with my customers and actually look out for them

• 9. Kathy E krafft    June 3rd, 2009 at 8:41 am

  I have had exceptionally good luck with GEMoney Bank, I wrote them a letter. Explaining how I wanted my payments applied so that fee and finance charges would not accrue and not only did they do as I asked byt they refunded over a thousand in fees to the account. My whole family is using them as a means of establishing lines of credit to build a good credit history before leaving home.
  I think the idea is to head off trouble before it starts. I have had extensive dental work done since 2007,over 15000.00 worth and I made it a point to take the 0% for 18 months option which meant I had several lines of credit through the same provider, I paid 100.00 a week until recently when I saw that a finance charge had accrued despite this action, I just called in and asked for it to be removed. It was and promptly.
  A couple of months later it happened again and I was refused. This time I wrote a letter requesting the fees be removed and outlining a plan in which I paid the total monthly amount due the first payment of the month and then weekly 100.00 to be paid toward the principal, they did not reply to this letter. They just went ahead and did as I requested. I am so satisfied with CareCredt and GE money bank. I also let them know I knew what I was asking was possible as I had worked in collections for many years and was a member of the CareCredit advisory team. I’m sorry everyone else is having trouble I LOVE GE MONEY BSNK

• 10. Ray Holm    June 6th, 2009 at 1:25 am

  I thought I was the only one having trouble with GEMB. Judging from the amount of complaints out on the net — I am not alone. I’ve had my Sam’s Club credit account credit limit cut twice within the last six months. What did I do to deserve this? I paid this account on time every month — never once was I late — for years! But suddenly, I’m a bad credit risk according to GEMB. Well, since there are other clubs around (BJ’s and Costco) — I’m cutting the cord to Sam’s. I’ve informed them of such as well as GEMB. I figure that I don’t need to do business with ANY company that allows their good customers to be treated poorly. GEMB needs to be taught a lesson here. Loosing customers, getting a bad rap with their business clients, getting a bad rap with the Feds and class action suits can go a long way in terms of accomplishing this purpose.

• 11. Liza    June 9th, 2009 at 7:26 pm

  Have anyone ever heard that landing institution withdraw from the check less than the face value? That is exactly what GE Money Bank did and make me late on my final payment on no payment no interest plan. My fight with GEMB is still not over. I am closing all my cards with this institution and I hope when it will go bankrupt, which will certainly happen, our government will not bail it out using our tax money!

• 12. Deb    June 12th, 2009 at 1:14 pm

  They need to be put out of business. If anyone knows of a petition or anything please post it. They are the biggest crooks. They say your late and you know your not. They just post it late. They closed some of my accounts and it wasn’t fair but they make up a lie. they are shasta heads.

• 13. Julia    June 16th, 2009 at 11:34 am

  I guess I’m not alone. We have had credit with Lowes for decades, before their credit accounts were backed by GEMB.

  We don’t tackle major home improvement jobs every year, but when we do, it was convenient to go to Lowes, charge the materials, then pay off the balance over 90 days.

  We received a letter from GEMB that our Lowes account was being closed. I didn’t understand the explanation they gave, but when I called, it all boiled down to not carrying a balance. That’s a pretty poor reason to close a credit line to good customers with a good repayment record.

  We plan on reroofing our house next spring. We’ll be purchasing what we need at Menards using a line of credit issued by our bank.

  I would also advise all consumers with credit accounts funded by GE money bank to pay off and close those accounts and use your bank issued credit card for purchases if you must patronize the businesses that use GEMB. Personally, I’m going to make it my mission to not purchase anything at stores who use them. Consumers can make a very loud statement by doing the same.

• 14. Mel    June 24th, 2009 at 12:18 am

  I paid off a $3,000.00 credit line on June 11, 2009 and do you know that those bastards decreased my credit line to only $500.00 after I paid them off. The funny thing about it is that I started with a $1500.00 credit line and I was never late. GE Money Bank/ Walmart Discover sucks.

• 15. Betty    July 8th, 2009 at 9:05 am

  I did not know that this company was such a rip off. Everyone understand that people are having hard times making ends meet, but this company is just a long shark.
  I don’t have a problem paying a late fee, if I am late, but go up on my ARP from 11% to 30% this is just highway roberry.
  I will never use this company again, and if anyone ask me about using them, I will point tell don’t do it. I am trying to find money to pay them off now because what they are doing is wrong, but they are now getting away with, but once the new law is passed, they will no longer be able to use this as an excuse to stela money from people.

• 16. Michael    July 14th, 2009 at 3:47 pm

  I just got a Pre-Qualified notice in the mail. I’m sure glad I read the fine print and said to myself…what’s this GE Money Bank crap about? Then I looked it up and found these posts. Wow. It goes to show you should look up anything NEW you’re not sure about.

• 17. ahwooten    July 21st, 2009 at 10:57 am

  who are these crooks named GE money bank
  i can call them that i have first han knowledge
  credit card proctection is a scam

• 18. cole    July 25th, 2009 at 11:46 pm

  I have many accounts with GE money bank and they are all paid on time or paid off with every use. I have not had some of the experiences that you all have had. But, I have had GE to lower the limit on my Gap card after I used it around Christmas time. I had no previous balance on the card and did not know of the reduction until I received my bill and my limit wasreduced to $1 more than what I charged. When I called to inquire about the change the rep told me it was based on my credit, but I have an excellent credit score. A manager called me back and I pulled current reports from all 3 credit agencies with scores and faxed them over to her. She said she didn’t know why there were inconsistencies in their system but there was nothing she could do at the time. She said she would review my accounts the following month and get back with me. I never heard from her. But my problem is around Christmas I opened an Amazon card at the same time they reduced my limit and they did not reduce limits on any of my other cards. As a matter of fact they increased the limits on two other cards. So the process is flawed. I recently purchased a house and they approved an account with HH Gregg with a large limit, but my Gap card which has been paid off since the month after my purchase still has a tiny limit and no one can explain to me why. I don’t charge often; I have always paid my bills on time, they are still extending me credit. I just don’t understand. There is something within the system that is not consistent or fair. When my credit limit was lowered for no apparent reason it made me feel as if I did something wrong and I did take it personal. I guess I wasn’t as mad as some of you, but I would be willing to take part in any type of action that can repair the system.

• 19. Stefanie    August 12th, 2009 at 2:10 am

  I had a Mervyn’s account and obviously they went out of business. I attempted to pay my bill in may and couldnt access my accnt online anymore so i thought maybe i had paid it off cause that was my intention the month before but couldn’t remember and I let it go. about 2 month ago i received phone calls from this GE Money Bank trying to collect my debt and explained what happend. I explained my husband was out of work and Id make the payment as soon as i could afford it and i would contact them at that point. I dont even know how they received my cel phone # cause Ive never given it to any one except family and friends. I asked if I could pay in person somewhere or send a money order or pay online so i have some kind of a receipt and they refused sayin i had to pay over the phone. I refuse to give my bank info over the phone so i have yet to pay them anything. for the past 3 weeks I receive about 60 calls a day (no exaggeration here at all!) starting from 7-8 am til 8-9 pm. all come up unavailable. when i do answer at times they hung up on me when i say hello. after gettin into a yelling match with a lady i said to stop harassing me and she said she would call me in 2 minutes after i hung up. they are all rude @$$holes.when i asked for an adress she gave me a bogus kansas address! what can i do to stop this harassment i dont want to have to change my #. any info u have will help pls.

• 20. hashfisti h. scratchi    August 16th, 2009 at 4:16 pm

  Thieves, all of them

• 21. Kathy    August 21st, 2009 at 3:38 pm

  Don’t bother trying to find a phone number, unless you actually have a credit card or bill — it’s supposed to be on the back. However, file a written complaint to the Texas Better Business Bureau, 1005 La Posade Drive, Austin, TX 78752. Would you believe they rate GE A+? And file another with your state Better Business.

• 22. CECIL TURNER    August 22nd, 2009 at 5:25 pm

  GE IS A CORRUPT ORGANIZATION- DOING BUSINESS WITH IRAN
  AMONG OTHER THINGS
  SHAME ON ALL OF YOU

• 23. Carol Moore    August 25th, 2009 at 8:25 pm

  I just spoke with Alfred the idiot in India re my closed Mervyns acct that GE Money Bank has taken over. The due date on my last bill was changed and I didn’t know or realize it since I set up all my accts with special due dates so that I won’t be late. They charged me $39.99 because it was due on the 9th and they received the payment on the 10th. After much logic and also screaming, Alfred agreed to adjust $10.00 of the $39.99. WHAT, ARE YOU KIDDING? Adjust all of it or you will never see it. I promise that I will pay off everything except $29.99 and they can take me to court over that. Another thing, GE( General Electric) has always been an American based company; I just looked for the corporate office and found out the headquarters are in the Phillipine Islands. So much for American business. We ought to raise hell over the way that we are being treated as Americans by these foreign based companies and also by our own goverment.

• 24. May Lim    August 27th, 2009 at 11:12 am

  Can anyone provide a toll-free number for GE Money Bank? I received some correspondence in the mail but I never applied for anything related to GE Money Bank.

  Thank you very much.

  May

• 25. Wendy    August 27th, 2009 at 6:38 pm

  I have been trying to contact this company all day and only get the old “all the operators are busy”. I closed out the account I had with them in 2007 after they double charged me for dental services. Somehow they now think that I am still their client and have raised my interest rate to 29.99%….on what??? When I called the (877)317-5544 phone number listed by Google I am told to give them my 5 digit zip code. From just this information they told me that my last payment was $728.30 on 2-1-07 and my balance was $0.00. OK so by just entering a 5 digit zip code they can tell me this information (which is wrong by the way) but they can’t figure out that I closed the account not only by phone but also in writing. What is wrong with these people????

• 26. Ray Holm    August 29th, 2009 at 2:33 pm

  Thieves and lairs. Time for a big time class action suit against GEMB, methinks.

• 27. LADYG    September 23rd, 2009 at 3:58 pm

  GE Money cancelled my lowes credit card. Their reason was I had too much credit. Even though I had no late payments on any of my accounts. That’s fine if they want to do that. I told them to never contact me again with any promos and don’t add me to any of their mailing lists. Not only did I get a flyer from Lowes, but GE Money sent me an email promo about their new Lowes credit card website. I sent them an email telling them I no longer want to do business with their company. Lo and behold, I get a phone call the same day from GE Money apologizing for the inconvenience. If any of you really want to contact them directly you can email them at media.relations@ge.com. This is their Lowes acct management info. You can also find the other credit card companies at www.gemoney.com. Hope this helps.

• 28. Ethel    September 25th, 2009 at 3:13 am

  I filed a written dispute in April 2009, here it is Sept 2009 and I have not heard anything from them since May 2009 which all they told me then was that it may take 2 billing cycles to resolve the issue, when I called them in Aug 2009, the lady on the phone could not help me and acted like I was the idiot.

• 29. sistacee    September 27th, 2009 at 8:07 pm

  Wow folks, there are a lot of us. We are all over the net. Why is no class action being mounted on our behalf? Other credit frauds and duplicitous practices have been successfully prosecuted, why not this? Are they simply too large and intimidating?
  My own situation mirrors many of what I read here, payments were not credited properly resulting in huge fees and charges. I’m headed to small claims court. If we all go, they have to hear. Our complaints are timely, the government is on our side and I think well documented, well presented cases will be heard and some justice may be served. Take action

• 30. M Compton    September 29th, 2009 at 2:25 pm

  It seems GE money owns everything. I am so ticked that I have vowed to get rid of every card owned by them. My husband has an account owned by them . He is filing bankruptcy so now they reported it a joint account which it isn’t..Now that he has filed it seems that this account is all mine and only mine. They have taken his name off and I had to give permission for him to talk to them about the account. HELP! What do we do about them?

• 31. LisaLisa    October 5th, 2009 at 2:38 pm

  May Lim, GE MONEY BANK is the Financial Institution for Mervyns, JCPenney, Lowes, Dental Care Credit, and Chevron Oil Company - One number you can start with is 866-396-8254

• 32. CJ in NM    November 3rd, 2009 at 7:06 pm

  I was recommened by my lasik surg. to go thru GE MONEY BANK. I was one payment behind and I lost my 1 year no intrest charge. I did continue to pay on time but the intrest is very high for that one time late charge. I have spoken with them and they will not work with you in any way shape or form. This company SU— EGGS.
  If you don’t have the money to pay for it DON’T GET IT.

• 33. Heidi Jacobson    November 12th, 2009 at 1:00 pm

  Credit Bureau’s for Fraud Alert

  Equifax – 1-800-525-6285 or www.Equifax.com

  Transunion – 1-800-680-7289 or www.Transunion.com

  Experin – 1-888-397-3742 or www.Experin.com

  ——————————————————————————–

  PAYPAL
  FRAUD DEPARTMENT
  DIRECT NUMBER:

  877 – 969 – 1126

  GE MONEY BANK FRAUD DEPARTMENT DIRECT FAX NUMBER:

  877-318-1549
  ——————————————————————————-

  They conducted a fraudulent transfer, their line staff is highly rude, GE MoneyBank opens credit cards WITHOUT NOTIFYING YOU, they screw up your credit reports, if you are a victim of identity theft, ACT NOW.

  I have had my identity stolen, accounts opened and closed, access denied to me, told I could NOT know information regarding my OWN ACCOUNT?? Told they have NO PHONE NUMBER TO REACH THEM, NO WEB SITE, NO FAX NUMBER, NOT EVEN A REAL MAILING ADDRESS! WHAT?!?!

  Lucky for GE I am close with some at the SEC and DOJ, have worked directly with one of my state’s attorney general’s in regards to white collar/ organized crime cases, and after a year of dealing with their ridiculous front line staff, they WILL be hearing from someone — funny how I just recently got a voicemail from someone at GE’s coorporate Department who (slowly and repeated 3x along with phone number) is “very willing to be happy to help me on this issue and would like to get this moving as soon as possible to remedy this ’situation’”

  Really?

  I already took a year, I can wait longer.

• 34. Gorski    November 17th, 2009 at 8:20 pm

  recently I noticed charges on our Lowes credit card for charges that we did not authorize for some kind of unemployment protection, life and something else. We have tried to call lowes credit and they tell us to call Ge Money, we call Ge Money and they tell us to call Lowes, does anyone have a direct number to their corporate offices so we can get this charge removed.

• 35. Leslie    November 30th, 2009 at 1:32 pm

  60 Minutes, Dateline anyone…
  Seems it’s time for the FTC to become alerted. Have similar problems due to Lord & Taylor/GEMB card in which they prompted me to open a second card and then mixed up the account numbers so that credits were not applied correctly.

• 36. pugcrazy    December 3rd, 2009 at 11:47 pm

  GE Money has screwed my scores; they have slashed about 12K in credit lines. My Gap card, closed. Dillards, closed. Paid off a Bassett furniture card and a month later was told they were closing to minimize risk. Paypal was dropped to 100 dollars which was the balance at the time. The coup de grace was my line of credit account….slashed to max it out. Paid several thousand down and tried to borrow 500 for my dog’s surgery. They denied me saying my accounts were maxed (all are balance chasing.) I told the guy to close the account and since I needed to free up cash and had already paid back the principle and plenty of interest I would no longer be paying them and told them to put that in my file. The next day I met with a lawyer who will handle these people (he has beaten everyone except Citibank, who has not screwed me over. Yet…)

• 37. Ron    December 28th, 2009 at 5:31 pm

  Stay away from GE Money bank. They are liars and thieves. They charged me late fees after I payed off my account. Apparently they do not know what paying of the balance means.

• 38. Michele Magni    December 30th, 2009 at 7:51 pm

  I’m trying to pay my mervyns card but don’t have a site for it.

• 39. jon    January 4th, 2010 at 3:07 pm

  macys card was sued for almost 300k in a class action law suit for changing rates,dates,and not showing bill,they have been sued lets do it again please contact me @ jjacobsladder@yahoo.com

• 40. Jo    January 5th, 2010 at 8:40 pm

  I have a Paypal Credit Card which is part of GE and I absolutely hate them. They are the most frustrating, unhelpful people I have dealt with. The left hand doesn’t know what the right hand is doing and you get lost in their automated system forever.
  Does anyone know where to write a formal complaint about Paypal/GE Credit Card?

• 41. Sooners    January 9th, 2010 at 11:49 am

  Contact your State’s attorney general. Fill out the information, PLEASE. If everyone will do this, things should start happening. Take the first step. Get the card taken care of and cut it up and throw it away.

• 42. C S W    January 17th, 2010 at 1:55 pm

  I have pristine credit and recently had two late fees on separate accounts owned by GEMB. It wasn’t until I thought about it that I realized they were store cards owned by the same co. I did pay the balances electronically on 12/31, but the payments didn’t post until 1/5. It was partly my fault for waiting until so close to the due date (1/3 for both, which is a Sunday). Even though the one card’s payment didn’t “post” until 1/5, the company indicated on its site that the payment was received on 1/4, which was the first business day after the 1/3 due date. I went ahead and closed one of them, but I love Gap, and I am hesitant to close that one out because of the perks they offer.

  The only thing I can say is, make sure you pay your bills well ahead of the due dates (7-10 days). Even though the website comes up with the due date as the payment date, as the default…do NOT accept that default.

  My problem was that I initiated my electronic payments through my financial institution with a date of 12/31/09. You’d think that an electronic payment would be made and received by the receiving company on the same day. Apparently this is not the case.

  Just be careful with this stuff!

• 43. Im ready    January 24th, 2010 at 4:46 am

  I have a load from care credit for 4200 dollars that I have been paying on for almost a year and a half. My 0% intrest rate just got raised to 29.99% for a late payment I don’t know about. Suddenly my bill as of this month is 3,771 dollars when I have already paid over $1200. I had no idea why this was happening and have to wait until monday to call and try and see what is going on. I decided to look on the net for reasons, and now I’m sweating perfusely just reading all of the comments on multiple web sites. How are these crooks allowed to get away with all of this? I can’t believe this is happening…

• 44. cecil    January 25th, 2010 at 12:17 am

  well im a or was a prepaid walmart card holder till i checked my money balance one night on jan,23rd i decided to double check my money blance to only find out the automated service told me to pick an option to actovated my card that is allready actovated i said to my self there has to be a mistake well i call back just to find out the automated massage tells me to punch number one to actovated my new walmart prepaid card now i have an issue with this there in other words telling me i have no money now things gets worst on in this now my girdfriend has a prepaid walmart visa credit card so she decides to check her money blance and things really gets very interested when the automated service tells her that this call from now on will cost 5.49 cents each time a person calls this telephone number that has allways been tole free the automated service says that customer service has moved to navada now i like they are out of there mind in thinking on who in there right mind is going to pay 5.49 cents to obtain there blance this is messed up now i called a walmart store was suposed to be a night manager and wanted to know was it possible that there could be a computer erro and every thing is going to be ok well now i was told that walmart was like the middle man and this ge is the one that i needed to get hold of but the thing now is for me to possibley talk to customer service at this same number that was toll free now for me to talk to customer service im going to have to pay 5.49 cents what a customer service when you got to pay for this now i do not know if this applys to every one in the united states mabe if you live closer to the ge customer service buiding a person would not have to pay for the call to just find out how much a person has after the fact that i pay walmart a 3.00 service charge for loading my money in the first place now they want me to pay this 5.49 cents a call all that i know my girl friend gave me a telephonme number that has an telaphone number of 101-515-8000 and the old number was 1-877-937-4098 when i was just paying 3.00 dollers for loading the cad from walmart that has a walmart logo on front and a visa card symbol on bottom now there is ge even another one all i can say i used to like ge products that i was used to seeing years ago now here is this banking called ge whats up with this ge and it’s hard for me to belive that walmart did not know that this was going to happen and why in the h////// if they did why was no body notified either by email letter or posted this number change at a walmart cutomer service area window or location stateing if you decide to check your card that this number wont or is no longer toll free im pi///////// now im very unhappy over this this is putting it mildly now when i get my telephone bill the automated service at 1-877-937-4098 that was that at this moment as far as i know beinging changed to 101-515-8000 service cutomer center where is my money/////////////////////// and who is going to pay for attempted calls to so called ge service number to chec my blance does any body care if this has just happened and who is going to pay my bill what makes this worst we are both disabled who ’s taking this to heart were are money ’s spent at our expense beware pensacola fla, and any others that call for there money blance you might get a extra charge or you will on your telephone bill i fell for people that dont know this as of yet they will/////////////////////////////////////////////

• 45. leanna    January 25th, 2010 at 12:46 am

  i’m a customer of walmart/ GE…..walmart visa debit card i am so appalled by the way GE money bank credit card company is running there franchise i’m cecil’s girlfriend and yes i am very upset about this hole ordeal. i am certian that there is many others out there that has not voiced there opinion yet because they don’t know what to say or do about this but i will tell you anybody out there that is having this problem no matter if they are disabled/ or/ not that this is not right . some of us and or all of us need to put our foot down and say NO!!! we are not going to let this happen anymore something GOOD!!! NEEDS to happen about this b!@#..s$%^!!!!!!!!!! does any body understand that this is barbarick what this so called company is doing to us in the USA and other countries?most likely what will happen with this ordeal is nothing unless we stand together and say NO this is going to change and for only the good.. but it is not going to happen unless we put a stop to this in a law abidding citizen way that’s the only way this will get done everyone needs to speek out and voice there right for a better way thank you!!!!

• 46. Lisa & Ron O'Neal    January 26th, 2010 at 8:40 pm

  Bought two mattresses from Sleepys who deal with GE Money Bank. Monthly pymts were late on two occasions - one time one day late and one time two days late. We recd bills late due to mailing to physical address not PO Box. Post Office doesn’t always honor physical address. Anyway, no bill for December. I went to Sleepys when I discovered we recd no bill to try to find out why. We called when we got phone # only to find out our promotion we recd through them with Sleepys had been revoked. So, now they tacked on the interest which then made us owe more than we did when we originally purchased the mattresses. All pymts we had made since June 09 were now rolled into interest and we owed more money. We have called these jerks twice to explain why the pymts were late (due to addr) and to ask for our promotion to be reinstated. Nothing but ignorant people not willing to work with customers. We are now paying 30% interest. Rest assured we will never fall into this trap with these people again and we will be refinancing this loan. We have the money to pay our bills and our credit report is good. That flat out refuse to work with us. I hope they crash!!!

• 47. Silkstocking    February 1st, 2010 at 5:19 pm

  Here’s a CareCredit via GE Money Bank HQs given to me in Feb. 2010 to get the negligent medical account issue resolved:

  P. O. Box 6150
  Rapid City, SD 57709
  Phone: 866.519.6450

• 48. scott    February 8th, 2010 at 10:53 am

  The trick is to NOT rely on these as#holes or respond to any other credit card offers. the best way to get revenge & to take back controll of your life & have a more fulfilling life style is to STOP THE MADNESS by pay them all off! And buy EVERYTHING w/ CASH! Come on people you KNOW THIS! If you can’t pay for it with cash don’t buy it. And PLEASE DON’TCOSIGN for ANYONE. Not even your kids. How did our great grandparents do it? CASH!!!!!!! They made it ok. And guess what! They were on to something.. Yes they didn’t have access to credit like us but they made it ok. But enough about them. WE as a people have got to stop shooting ourselfs in the foot by PAYING for our own hard earned money! (things are already too expensive) All the while these top CEO’s are reaping HUGE profits litterly on OUR accounts! So if were so smart (or smarter then the old fasioned grandparents) why do we do this?????? PAY THEM ALL OFF! And don’t go back! I DID IT AND I COULDN’T BE HAPPIER. Not because i’m debt free but because THEY aren’t taking COMPLETE advantage of ME anymore!!!!!!!!! It’s all consumer cocain anyway. Were all DUPED into thinking we need the next best thing for ourselfs or little johnny! These retail marketing SHARKS are already programing or (targeting) the KIDS now by making games such as monopoly for example a game where you can buy boardwalk on CREDIT!!!! WHAT is THAT! It doesn’t have to be a runaway train. THIS is what’s wrong. So to be totally honest, it’s not that marketing sharks fault. He’s just trying to earn a living. Can’t blame him. Nor is it GEMB’s fault. THIS IS STILL A NATION BULT ON FREE ENTERPRISE isn’t it??? Sorry folks but it’s YOUR FAULT. WAKE UP AND STOP THE MADDNESS!!!!!!!! I’m just sayin’

• 49. Dan    February 8th, 2010 at 1:54 pm

  I worked for GE and I would warn all of you if you have a charge card that is back with GE to close it now. How this company is in business is beyond me. They have no protection for their customer. They always make mistake and it get reported onto people credit. I have things that would blow your mind. So if you hold a Bay card a JC Penney BestBuy Dillard just to name a few close them now while you can before they @u@k up your credit and your life. This company should be shut down

• 50. Dani Seucan    February 10th, 2010 at 5:58 pm

  It is very sad that such bank is still allowed to do business in this country. I have read most of the complaints and more I read into more sick to my stomach I feel.

  I will start with the dentist, which seems to be associated with this Bank. On 2006 and January of 2007 I had dental treatment performed, part of which has been covered by my two dental policies and part as out of pocket expenses upon an agreement with the dentist. I have paid as agreed up to the last penny. I have records that I have issued payments in the amount of $ 4, 500 and the insurance issued funds to this doctor in the amount of $ 7400. Having this said, on January of 2010 this doctor sends me a bill for $5000 as a balance for treatment provided in 2006 and January of 2007 which on a first look, seemed to be just a erroneous statement on their end, and to which I had responded, stating clearly that I do not have anything outstanding and politely requested them to clear this amount from their system. Upon the receipt of my letter, they even had the nerve to call me and request this non-existing overdue balance according to their calculations at which I hung up on them not being interested to listen after three years of the date of treatment to anything they had to say. Just to clarify here, upon the last visit in January of 2007 I had everything settled with this doctor, and there were neither any phone calls nor bills sent to me within this past 3 years (not that I had expected any … but I’m stating this just as a fact).

  At this point, GE Money Bank, through their CareCredit business becomes a factor. Out of $ 4400 which were my out of pocket expenses, I had paid $ 2260 via this credit card, which I was lured to apply for by this dentist while going for treatment. There was a 12 months interest free promotion on this card, so that’s why I had accepted their business. I had paid the full amount within 8 months, so there was no way they would get me down for any interest or any finance charges. After reading all the statements on this forum I do consider myself very lucky here. However, it never crossed my mind to cancel this card, and I had never used since … and that was a big mistake, because, upon my letter to the dentist office from January of 2010 responding to their inaccurate billing, this office had contacted customer support at CareCredit, which … and this is mind bugling to me, gave them the green light to charge my credit card in their file for treatment provided even prior to the date when this credit card account has been opened (not that I owe anybody anything, but hypothetically speaking, even if I would, that doesn’t give them the right to fraudulently charge my credit card with no consent). I have called their customer reps numerous times, stating that this is a fraudulent charge, and there was never a consent/authorization on my end, therefore they should cancel this transaction immediately. They were very rude, and had told me to go to the police and wait 8 to 10 business days for the “dispute form” to arrive by mail, after which I could follow up into this matter. I was even told to make sure that they will get this dispute, which I found it nerve wracking. I have sent all my correspondence with certified mail, so they had no choice and acknowledge my dispute with a letter on their own, where instead of a re-assurance that they will investigate in their customer’s best interest, they warn me of “delinquency” and “action to collect” unpaid funds. They have even sent me the very first statement, which has a balance due on it! It is so frustrating and I’m filling complaints everywhere from the “Office of Thrift Supervision” at Washington, to the “Office of Atty General of NY” to their CEO Mark Begor, to their main offices … and this is just the beginning.

• 51. jacqueline    February 12th, 2010 at 1:16 am

  Hello there,
  just got a letter recently warning me that GE CONSUMERS FINANCE opened up an account under my name but different address, but I DID NOT OPENED ANY ACCOUNT with this company. Im very wooried about this, cuz a couples months ago , lost my ca driven license , and i have suscpiccious that someone else is using my name to openning credits accounts. PLZ i really need help on it. Im tryng to call this company and nobody answer, just a recorder machine. If any person from company read my post plz contact me to my email .
  thank u very much!!
  Jacqueline

• 52. Upset customer    February 12th, 2010 at 5:52 pm

  I was told that I had two late payments, the first one was due to me making to payments which got credited to one billing statement. Non the less, GE terminated my promotional rate 4 months later. When I inquired not only did I speak with the rudest “account specialist” whom hung on me, but when I told them I would pay the balance in whole, they told me they would not remove the finance charge…. note to self, don’t make extra payments to such a crummy company!

• 53. Ray Holm    February 16th, 2010 at 10:37 am

  @Scott,

  No — it’s not all of our fault. While I do agree that getting out of debt is the best way — and — I am working towards that goal — how GEMB conducts itself as a company is wrong. Even for those who have maintained their accounts well — GEMB has screwed them. As well, GEMB’s business practices are hurtful to the companies that use them to extend credit to their customers. GEMB should be put out of business — plain and simple.

• 54. Mary W.    February 21st, 2010 at 6:05 am

  My problem with GE is the excact same as No.39
  I have made 2 payments on line and neither one has been posted to my account. I called to find out why, and was told that WE HAVE A LOT OF COUSTOMERS AND CANNOT CALL EVERYONE. GE claims that my account No was wrong and then it was my routing No. that was wrong. I would gladly join in a class action law suit.
  No matter when you mail in a check it’s always late..

  When you see the word GE RUN!

• 55. Kathy    February 22nd, 2010 at 6:00 pm

  I have filed for bankruptcy and have been trying to notify GE of my attorney’s name and number. Every time they call me, which is at least 5 times a day, I try to give it to them but they hang up on me half way through. They even call me at work after they have been asked not to.

• 56. C.Roberts    March 1st, 2010 at 2:34 pm

  I am furious w/GEmoney. My husband and I purchased eye glasses at Pearle Vision for $325. Took out the GE money card. Now they say we are behind in our payments and owe $1200. I am angry and confused . Put me on your class action suit list. Thanks.

• 57. A Nimmo    March 3rd, 2010 at 6:04 pm

  I had the same issue as #22, I paid my JC Pennys card in full on Feb 26, it was due Feb 27. I did an online payment through my bank as I have always done and they have always made it on the day I specify. I purpously put deliver by the 26th as the 27th was a weekend and knew it would not go. My bank does not even allow it. So to check to see if my balance was paid in full on March 3rd, found out there was a late fee assesed plus interest charges. The payment was taken out of my account on Feb 25th, bank said it was received by JCP on Feb 26, but they so nicley posted it March 1st, making me late. When I called JCP they told me the bank was lying to me that they did not receive it until Monday, but I will reverse the charges and your balance is now paid in full. So is this a ploy to get more money, and ruin everyones credit so they can charge higher interest rates. I say so, well glad I have opted to pay cash for EVERYTHING now… SO sorry credit card companies, your ploy will not work for me…

• 58. Nikki A.    March 6th, 2010 at 8:05 pm

  I just got off the phone with these disgusting thieves! This is criminal!

  I have had a GE Money Bank line of credit for 4 years now. My limit has always been $7,500 and I am NEVER late. I always pay about $250 a month and my combined fico score is over 700.

  I am an ideal customer! Seriously, I pay my bills straight away.

  I noticed something weird on my credit monitoring where my credit to debt ratio took a hit……
  THEY NOT ONLY LOWERED MY CREDIT LIMIT TO $2600 (which is all that I owe) BUT THEY ARBITRARILY CANCELLED MY ACCOUNT!!!!

  The excuse, like they gave many others, is that GE pulled my credit and I was a risk. REALLY?? Cause my credit monitoring shows I am LOW risk AND I was just approved for a 400K house!

  Am greatly concerned about my credit rating taking a hit. Another co HSBC (thru best buy) did this to me as well but the amounts were a lot smaller.

  This was my emergency account anyways but I am more worried about the impact with my credit rating…

  They cut our limits to adversely effect our credit ratings… once that happens our interest rates can go up. shameful and shady companies!

• 59. C Mann    March 6th, 2010 at 9:07 pm

  I have gotten along with them just fine. Just make sure you make your payment on time.

• 60. Ray H.    March 8th, 2010 at 5:23 pm

  @ C Mann,

  Just you wait — your time will come…

• 61. DeloresSpickler    March 9th, 2010 at 5:16 pm

  I didn’t get a bill and was charded 39dollars for late charge. Ihad paid $50.00. Minimum payment was $16.00. Didn’t get another bill & was put as late;they said it was sent;i still haven”t got this months. I think they should be sued.

• 62. Scott Ridinger    March 12th, 2010 at 8:24 pm

  I have to write here. I also have had problems with GE Money. And as others, I feel that they are not a very moral company. But I also have issues with many of the people leaving comments. Such as Sal who left comment number 8. He states at the end that the operators that answer can’t speak English. I have found that to be true…but Sal you really need to learn to type English. If that is the way you talk, no wonder they can’t understand you. Read your letter….I found 23 grammical errors as I labored to read your comment. I have English for Marines…a book to help non English speaking Marines..what is your address Sal. I will send it to you…courtesy of a US Marine. Please, just type your address…nothing else. I really can’t take reading more of your non English ranting. Thanks.

• 63. Frances Powell    March 15th, 2010 at 6:44 pm

  My wife and I just bought a solar hot water heating system that the selling company financed through GE Money Bank. The sales slip written by the seller says the interest rate will be 11.9%. The week of March 7 a GE Money Bank representative called us to go over our account with us and verified that the interest rate would be 11.9%.
  Today, Monday, March 15, 2010, we received a notice from GE Money Bank, the first correspondence we’ve received from them, with no return phone number or address, telling us “sorry if this is an inconvenience to you” and enclosing a pamphlet saying our interest rate would be 26.9% interest.
  We have yet to receive a bill or any other document from GE Money Bank, but the hot water heater and solar panels have already been installed and we’ve already received the rebate from the local electric authority which was applied to the purchase price. We’ll still owe GE nearly $10,000 until the rest of our rebate comes later from the state government and a larger amount next year from the federal government.
  On top of this outrageous misrepresentation, our credit rating dropped four to six points, just based on the inquiry to the credit agencies from GE Money Bank. GE Money Bank does not have a good reputation, and my experience with them in the past has not been good. This experience certainly does not appear to be a representation of “truth in credit.”

• 64. keith    March 16th, 2010 at 8:48 am

  I have a GE Money Bank Honda card , I have not had one problem since account was opened ….

• 65. Kelly    March 16th, 2010 at 4:25 pm

  GE Money Bank, is a mess, you call to talk with a customer service agent and they sound like they are from a foreign country, when you ask about your payments (such as on a bill with two Promotional expiration dates, I asked if they apply my payment to the one that expires first and they are not sure, then I was told I need to call every time I make a payment and tell them to apply the payment to the one that expires first, sounds like they don’t know what they are doing and they really don’t understand the job very well. You have to stay on top of them, today I had to call six times before I received the help I needed.

• 66. Tina    March 16th, 2010 at 4:26 pm

  I purchased glasses through Lenscrafters who finance through GE Money. I have called 8 times trying to get a bill. GE Money from India finally called me today and I could barely understand the woman on the line with me. She said there would be a 39.00 late fee because I did not make the payment. I asked for a statement to be sent and she started repeating “pay your bills” . I hung up and called 866-519-6450 and talked to someone here in US and resolved the problem. They are removing the 39.00 late fee and are going to send a bill. I would recommend no one deal with a company that does not have US reps to talk with or that will tack on a late fee when they haven’t sent a bill.

• 67. Heidi    March 20th, 2010 at 8:39 pm

  Oh, we will get our come uppin’s, as will either the fraudulent folks behind GE, or PAYPAL/CARE CREDIT/or people in SHANGHAI you WAIT. CLASS ACTION LAWSUIT HERE WE COME!!!!!!!!!!!! If you are interested, please email me with your name and STATE. I do NOT need your contact info and AM NOT ASKING FOR IT so please DO NOT send it to me!!!

  Best,

  TO US!

  Heidi~*

• 68. DeeDee    March 26th, 2010 at 7:31 pm

  Wish I had found this forum before I opened a revolving line of credit with these scammers. Have never been late on payments and never requested access to my available credit, which was almost the full amount of my credit line, until a few weeks ago. Bam! Not only did they run a credit check but surprisingly I was refused. Since my credit has always been excellent and the rep could barely speak english, I decided to call back. BIG MISTAKE!! Would you believe the next idiot ran another credit check?? Again I was refused. Well I’m now looking at my statement, shocked that they actually cut my available credit in half!! I have yet to receive some letter the second idiot referred to which will supposedly explain the decision, so now I have to wait to see what they’re trying to pull. It makes me ill that a company with so many complaints and seemingly unethical standards is still allowed to operate. Oh and FYI to #112- Scott P.- do us all a favor and step off the soapbox. This is not a forum on the rules of proper English nor a place for rude, ignorant and unwelcome critiques of our comments. Thanks in advance!

• 69. Harry    March 30th, 2010 at 5:27 pm

  3/30/10

  last week asked about he buy down amount
  Raised me to 17% 6-8 months ago - 1 day late - I didn’t check the back of check since I don’t get them anymore.

  Just got notice:
  balance on other accounts too high - [I;m at my lowest in years]
  oldest account opened too recently [???]
  No Mortgage Trades [??? - I own - no debt]

• 70. mike    April 7th, 2010 at 12:28 am

  my credit score is 750 (excellent) with no latenesses in 360 months (30 years)-my line of credit was 10,000, I have not touched it becasue it was up around 9100, I have it down to 5500 now-and they just closed the account. I had about 1500 on a Lowes, paid it off because they raised it to 24%-I had a Paypal, paid it off (3200) when they went to the mid 20% range-these greedy bastards need to be taught a lesson, I am in any suit and will follow this up with calls and written complaints to any federal and state agency and web site I can find.

• 71. ROY    April 8th, 2010 at 5:36 pm

  I RECEIVED A LETTER FROM GE MONEY BANK TELLING ME THAT BECAUSE “OF NO ACTIVITY” THEY ARE CLOSING MY ACCOUNT. THERE WAS NO TELIPHONE NUMBER IKN WHICH TO CONTACT THEM. I FEEL THAT ANYTIME A COMPANY DOES NOT LIST IT’S TELIPHONE NUMBER ON IT’S STATIONARY THERE NOT TO TRUSTED. THANK YOU FOR CLOSING MY ACCOUNT. DON’T CALL ME I’LL CALL YOU..

• 72. Defrauded Customer    April 21st, 2010 at 12:03 pm

  Care Credit is a huge scam. They claim the cover services on their website but DO NOT! Their reps will lie to you on the phone and through live chats. We have spoke to 7 reps now through customer service and they all claim the proceedure we signed up for which is Fertility is and will be covered and that our docotr can become a provider. All 10 of the reps are liars or extremely mis informed. Their website even states they cover fertility. Guess they shattered our dream by misrepresentation!

• 73. Jim    April 23rd, 2010 at 12:09 am

  I have several cards from GE bank and so far have not had any problems. One reason people are seeing credit card limits cut in half or so is strictly due to the ammount of credit owed vs income ratio,
  This happened to us through Sears MAstercard.
  We have to use credit sensibly.
  When I pay online-it clearly asks for dates and always allow 2 -3 days to process. The bank payments are always listed as day to process and date to deliver by.
  I do not ever have any problems —sometimes people spread themselves too thin on time and money.

• 74. Heidi    April 25th, 2010 at 11:26 am

  Okay

  First thing first –

  Close your PayPal account AS SOON AS POSSIBLE.

  Notify ANY of your creditors with all information as possible as stated on the back of your statements (even if it is past the 30 day period) that there is an error with them sending you the information.

  Go to the BBB website at BBB.ORG and make a complaint there.

  File numerous complaints with the FTC.

  File a Police Report. You will need this for EACH of the following below:

  If you have complaints regarding identity theft, follow the FTC’s links to the identity theft website regarding what to do with that. Don’t forget a copy of police report.

  If you are strictly dealing with fraud, contact your state’s DFI, they should send you some papers for the SEC that you will fill out (does not take long unless of course you are one of us :/) and include any and all information (COPIES keep originals) and send it to the stated address which should be located in Washington D.C. Don’t forget a copy of police report.

  As you wait for response, stay calm, try to stay in little contact as possible with these people. If they hassle you, always ask for a name, their employee info such as a number or title. If you can speak with their manager/higher up/ who is in fraud department etc. Keep a record of all dates/times/information etc. This is VERY important as these fraudsters move about the country, sometimes WORLD, and its the only way to track them — and believe you me they DO mess up.

  Til then, stay tuned….

  Heidi~*

  p.s. If you feel you have a case, know you have a case (I KNOW I do per the ppl who faught paypal in 2002 and won), and have the resources, hire a lawyer. I am unfortunately not one with resources so must wait for attorney state general and such. REIMBURSEMENTS could SO HELP in this economy of ours!

  At least my fico score went up a couple points, there’s an upshot

• 75. Rob    April 26th, 2010 at 11:08 am

  PayPal Credit card, underwritten by GE Money Bank closed my account when I complained about their poor customer service… screwed me out of 10,000 plus points I had earned… Do yourselves a favor: close your account with them and move to a local bank. You can’t even understand half of these customer service reps. especially a skank named Vivian. VERY RUDE and confrontational.

• 76. Dona C Racine    April 26th, 2010 at 12:18 pm

  I received a letter from GE Finance GE Noney Bank
  c/o cardholder operations P.O. Box 9811127
  El Paso Texas..stating “thank you for your application for a GE Money Bank Midas account. Regretfully, your reqyest cannot be approved at this time. I NEVER APPLIED FOR A CREDIT CARD, AND THERE IS CORUPTION AT WORK HERE. I DON’T KNOW WHAT THEY ARE TRYING TO DO…BUT THIS IS A TOTALLY FRAUDULENT COMPANY..I CAN’T EVEN FIND IT ON THE INTERNET….THROUGH THE PHONE COMPANY…HOW DID THEY DO THIS?

• 77. Jose    April 29th, 2010 at 12:07 am

  Recently I decided to zero balance my credit cards before they gotten out of hand. Some were dicover/ Sams, JCPenney Lowes all handled by GEMB. Well without notification they had reduced my discover credit limit by 50% needless to say that put me over the limit and you pay penalties over that on top of the normal finance charge.
  My store cards got zeroed and with notification they were closed……according to them by the consumer. Never sent a request for that.

  So I check my FICO score and found it reduced because of closure of accounts and credit reduction. I tried to reopen the JCPenney card and escalated to the manager and I requested to see a letter with my signature requesting closure of account, so decided on the spot to re-open the account just to get a letter 4 days later it can not be done after they ran my credit score from Transunion and through their formula of some kind and determined I am not a good risk.
  I check my Transunion credit score today and it is up to 735 and I am a bad risk.

  GE Capital and all of its business units are bunch of crooks…..they are the people who say outsourcing is good for business. Most of they service call center goes to a third world country, GE has lots of interest out there.

  They have no problems degrading your credit rating, over charging you interest and so on if you can avoid doing business with them do so….get a credit union card or some other bank that still has calling centers in the USA.

  Maybe by doing that we can screw Ihmelt out of his bonus.

• 78. Heidi    April 29th, 2010 at 2:56 pm

  same thing happened to me — the receiving notices that I was denied of their lines of credit while simultaneously I was supposedly opening SEVEN credit card accounts in ONE day!

  Anyway, good news! OTS mailed me back and within 60 days will get back to me (my investigatory skills must have developed over time, for indeed, I did have the evidence that they in fact are fraudsters!!)

  As for closing all paypal accounts… I cannot due to other reasons in which numbers must be changed, likely so, and done.

• 79. thomas coleman    May 3rd, 2010 at 8:16 am

  GE Money Bnak is crazy, they issued a law suit against, and they got the wrong person..

• 80. Linda rios    May 19th, 2010 at 7:49 pm

  I have an account with conns’s/GE last august 20-2009 someone from conns withdrew 200.00 form my checking account with a debit card that had been expired. I went to the bank the bank called Conn’s manager they said that they would take care of it. As of this date I never received any word from conn’s and they do not show that my conn’s bill was pd twice. But my bank statement sure shows that they withdrew 232.00 the first time and then 2 days later another 200.00 again. I am so upset with conns that i will never purchase anything from them again. And I had been a faithful customer for 6 yrs. never again. All my card amounts have been decreased. i am so unhappy with GE

• 81. Jean    May 29th, 2010 at 2:44 pm

  I cancelled my own…ge walmart discover card. I was doing allright paying my bill. Than I was put on a hardship program.
  Than it got to the point . I could not even do that. Because of
  all the late fees. Also charged me for overdrafts. Which thier
  charges that they occured. Causing the over draft fees.
  So what’s up with that?

  So I contacted…..careone debt solutions. They have been very
  helpful. Set up a plan

• 82. bill thomas    June 16th, 2010 at 2:00 pm

  Have had some problems with GE and decided never to use them again. Unfortunately they are everywhere. When you get credit make sure it is not financed with them.

  I am making a list of all businesses that use their services. Someone mentioned Lowe’s. I no longer buy through them because I don’t feel I can trust GE with whom they have some arrangement.

  Another local company, a furniture store, proved to have financing through GE. I paid the bill super fast and made a note of the store so as not to patronize them again. There are other options so far as furniture stores are concerned. The local store has lost my custom.

  My wife got some dental work through GE Care Credit. Again we paid them off quickly and sent our last payment via US Post Office Express Mail with cerification. it is worth the cost.

  If you are billed flasely and receive your false billing through the post you can ask to lodge a complaint with the Federal Mail Fraud Department. In my experience businesses are scared tarless of this Department. They have come through for us three times already.

  As for a Class Action Suit, keep meticulous records. I think most people are waiting for someone else to start the ball rolling. Once it gets going I should think it would be a sensational case.

• 83. Sharon    June 19th, 2010 at 6:36 pm

  2009 must have been Lowe’s/GE Money let’s tell our customers what we think of them for their loyalty and financial diligence for I too enjoyed a credit limit of $2800 ,never had a late payment, had a high credit score, been a credit card holder of theirs for over 10 years …etc… and then low and behold, my credit limit was dropped to $320 which happened to be my credit card balance. Was told I was a credit risk and there was nothing they could do.

  On another note, today I’ve was accessed a late fee BEFORE my due date! Today is 6/19/2010… My payment due date was 6/19/2010. On 6/16/2010 went online and queued up my payment for 6/19/2010. I’ve been making online payments for years now. Payments are drafted from my Credit Union checking account the same day or the next depending on the time of day I make my payment.This morning i went to Lowe’s to make a purchase and used my Lowe’s credit card. It was denied. Perplexed and embarrassed for my purchase was less than my available balance which didn’t even include my 6/19/2010 payment. Checked online and saw that my payment was in a pending status and there was a $30 Late Fee posted on 6/19/2010. Called customer service and was told that since my due date is on a Sat. and since there wasn’t a payment made BEFORE Saturday, that they charge a Late Fee which will be processed Friday night. The Late Fee will be backed out once they receive payment on Saturday. I was taken back this new practice and told the CS rep such. She just said that’s the way their system is. She assured my that my credit will not show a late payment but right now it’s too soon to tell.

• 84. wisening up    July 4th, 2010 at 1:29 pm

  Thanks to all who have left comments about GE Money Bank. Was wondering if I be at all concerned about GEMB canceling an account “due to lack of activity”. I think GEMB did me a favor but must make sure the action has not messed a 750+ credit score. . .

• 85. Heidi Jacobson    July 10th, 2010 at 9:27 pm

  thomas coleman

  Oh speak more!

  For they keep digging their own!

• 86. Nelda Grier    July 14th, 2010 at 4:14 pm

  Thanks to all of you for your negative comments on GEMB.
  Today, I too was denied credit from Discount Tire Co.
  I already had a paid out account from a previous purchase
  of tires, and paid on time. I also have a Lowe’s card (
  on it’s way out too). I have already had a run-in with them.
  Making payments on time really does not matter.How do they get away with treating people this way?Please, before
  you buy, ask if these people finance, and if they do, run
  don’t walk, the other way. You won’t be an exception
  to the rule .

• 87. Heidi    July 15th, 2010 at 4:02 pm

  750+ credit score? And you are worried? I do not think so. In this great great depression, the average score is 599. SHOCKING I KNOW. I went from an 805 down to a 500 something!!! I told them to take them ALL OFF. Little did I know more existed than I thought!! NOT SEVEN, TRY ELEVEN! YEAH. MY whole credit was overhauled. Sittin’ on a sweet, well, I wont share. Let’s just say I’m in the ’safe zone…’ ANY WORD ON A LAWSUIT? I just do not have resources! I am a single young mom on welfare gosh darnit… who (typical) ‘baby daddy dont pay child support) sooooooooo… Whoever starts it gets the most plus they get reimbursed anyhow. (For legal expenses.). I have the proof people! I have proof for literally every credit law available! Woman tried to tell me I was incorrect about something and to fax it to her. I faxed her a print out of TILA and wrote on the cover page : I’m not dumb. I know my rights.

  ANYWAY, so yeah I am so procrastinating…

• 88. HEIDI JACOBSON    July 18th, 2010 at 11:52 am

  GE MONEY BANK
  170 West Election Road, Suite 125.
  Draper, Utah 8402

  /\/\/\/\/\/\

  That is their address.

  Why does the OTS keep saying my complaint/ application is ‘active’??? IT HAS BEEN FOREVER!!!

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