GE Money Bank
Reviews and Complaints

We bought furniture back in October 2017 no interest for 12 mos I make my payments with money orders in Feburary 2017 i mail a money order to GE Money Bank for 100.00 they made the mistake of posting it for 200.00 and then they tried to charge me for a bounce check and return the money back and they charge me a late fee of and a return check fee for 39.00 I tried to call several times to get this straighten out and they could give me a direct answer of what happen. They said the money order was return. I never did recieved the money order back so I put a stop payment on money order and the money order company sent back a copy of the cashed money that was cashed by GE Money Bank. It has all the stamp on the back with there LOGO and it wasnt late.

Thank You,
Mr. James K. Anderson.

This is by far the worst company I have ever dealt with! To say I hate GE MoneyBank would be a huge understatement...I have been charged several late fees for "promotional no payment plans". When I've called to complain and ask for credit of the fees, they only say they can not do a refund because I've already had a fee waived already this year - and yet it was waived because of a mistake on their part. This company is predatory and fraudulent and something needs to be done - Thankfully, I paid off and closed my account and I am hoping to never, ever have to deal with them again. I wanted to fight the charges and send a formal complaint but for my peace and sanity, I have to be washed of this terrible company.

I have used Care Credit (GE Moneybank) account for about 4 years for dental work (I am on diaability and have no dental insurance) - they gave me a limit of $1000 to get dental work done. For the first two years, I had no problem with them (paid off one round of dental work and was paying on another, along with having eye exam/eyeglasses) This account had a special interest deferred rate, and had approx. only $236 on dental and $604 on eye charges to pay at the beginning of 2017.
I am on disability and receive it on 3rd Wed of month. I noticed a problem in early 2017 with my due date (around 10th of month) when I usually get paid on 15th-20th of month - I called to see if I could change the date to the any date between the 15th-20th, so I would not be late on my payment that next month, and was told I could not change my payment date. I subsequently was late on the payment (only by several days) and was charged a late fee. When I was sent the next bill (also, please note: did not always receive the bill in a timely manner/ sometimes not at all/company took very long to process the bill - credit my account), so I had to resort to paying it online.

My main complaint is that they still kept saying on the bill that my payment due was only around $35-$47 (even though they were charging me $39 late fee each month/about $32 interest and when I got to the $1, 000 limit - $30 overlimit fee). Each month they would say this same amount, never addressing I needed to also pay the extra overlimit/late and fiance charges to be current and not be charged again next month for these same fees again. Beng on a limited income, I was paying the minimum amount they were requesting - about $35-$47 a month (up to $90 a month). I thought I was reducing my debt, but i noted last few months, it seemed to be going up (as of today - 3/19/09 - my balance should have been only $836 balance, it is now $1, 332 because of their fees). Since March 2017, I have paid them over $600 that has only basically gone to fees/interest and not towards their balance, and my balance due has actually increased by almost $500 - to a balance due of $1, 332.
My main complaint is that when I started being charge a late fee ($39) the first month, THEY DID NOT CHANGE THE AMOUNT DUE TH NEXT MONTH SO I COULD TELL WHAT I NEEDED TO PAY TO BE CURRENT (their bill to me each month is about 4 pages long, even when you have not charged on it, so to try to ascertain what they are doing to your account takes some research). So when I paid them the monthly payment amount they had requested, I was not paying down my balance, I was in fact acrueing a higher balance or amount owed to them. Being unaware of this, I hit the overlimit amount in a few months (and then was also charged an additional $30/month fee), and on top of $30 late fee, and also found out that my interest rate also went up because I was overlimit (ex: 0/18/2017 charges - $30 overlimit fee, $39 late fee, $32.35 interest - minimum payment requested: $47).
Also, I believe that in the past 1-2 years, I should have at received one letter stating what my situation was (incurring more charges than what I wasy paying each month), what I needed to do to rectify the situation, which included: the overlimit amount, how much they were charging each month in extra fees and finance charges, and how I can get my account current and be able to pay the balance down. Instead, I feel they were "hiding" this situation from me because as I stated, they got $600 in "free money" from me and at tyher same time, increased what I owed them by $500.
It took me a while to research this problem on their online site, but to understand what exactly they were doing, I had to call their rep. (taking at least 15 min. to get a physical person to talk to). After some discussion, I was dismayed to conclude that this has gone on since early 2017, and even though I paid the minimum amount each month that they requested; that the $600 I have paid them since 3/23/08 (payment history online only goes back to this date) has basically gone to fees and nothing has gone towards balance and that I even I owe them $500 more).
I explained I had tried to change the due date each month when I started having a problem two years ago with it and was told I couldn't.
Miraculously, today, I was told they could do now change my payment date to the end of the month (30th) and did so today, when they wouldn't even consider moving it even 5 days later 2 years ago.
I then asked the rep. if they could defer any of the interest/late/overlimit fees, especially since they would not let me change my due date to remedy this sitation 2 years ago; was never notified at any time by letter about this sitation and my increasing balance due; my statment for two years never changed the minumum amount due to show me how much I need to pay to rectify the situation; and even the website has no clear way to ascertain this. I also explained I am on a very fixed income (disability) and in these economic times, maybe they might be able to help me. I was told the only way I could stop the overlimit charges is to pay the $332 amount it is now overlimit, plus the minimum due this month ($47), then I will stop incurring the fees. She did reduce my interest rate down to 10% though.
I am very disappointed with this company, the omission/deception of not telling the customer what they beed to pay to be current (so they can make as much prift from you by charging exorbinant fees), the inflexibility to help alleviate the situation and understand that most people can not pay that amount. I, at most, will take at least 3 mos. of $150 a month to be current, and this is an incredible hardship.
In turn, I will close this acoount when it is paid and all accounts I have that have a relationship with GE Moneybank, and never do businees with them again (and not recommend them to anyone).

Monies paid are not"processed" through their bank unless and until it suits what you owe and when your payment is due in a manner that causes either an extra payment leaving them to hold your money collecting your interest or by causing you a late fee. On top of this, all you get to talk to are foreigners who could care less about the situation and don't listen. There are two aspects of doing business; either legally or morally. If businesses are "legal" then they do not have to be moral. This is the kind of business practice rampant in the world and will be noted in the history of this world as a determining factor in it's demise; which is fast coming. GREED!

I placed an order with TV Authority on December 26, 2017 for a flat panel TV and used their promotional financing through GE Money Bank. After two weeks, when the TV order had not been filled or shipped, I canceled the order with TV Authority, who had already (illegally) charged the new GE Money Bank account. They said that the charge would be canceled. GE Money Bank refused to cancel the charge. TV Authority is now out of business. I have filed one dispute after another, because GE Money keeps closing them due to "insufficient documentation". Now they are saying that I cannot reopen the dispute because more than 60 days have passed since they mailed the first statement. They are requiring me to pay for an item I never bought.

Beware!

I had major issues with these people as well. I checked my account every month because they changed the due date every month, even though I was on a direct pay through my bank, I was being charged late fees all the time.

I have no idea where their customer service is actually located, but one day I happened to luck out and get someone in Texas who (surprisingly) was extremely helpful. We made an arrangements for the next three months in advance. The first month came and the payment was withdrawn. Two days later I received a call from a law firm in NY who claimed they were representing their client Arrow somebody, and that I owed them not only the base amount that had been negotiated with GE Money Bank, but also all the past fees (which was hundreds more) and that I had to pay them immediately.

I did the freak. I explained that wasn't possible, that GE Money Bank had just taken their payment 2 days earlier and that I had never heard of Arrow whatever. They ignored everything I said and reiterated their demand for money. They called on a daily basis until I wrote a letter to their firm outlining the entire agreement with GE and proving that they had taken not just 1, but also the 2nd payment agreed upon. I was told that GE had sold my account for the inflated amount BEFORE I had even made the first payment. I told them so sad too bad, I'm going to continue to honor my verbal agreement that was made over the phone, and that they had to get their client's money back from GE, NOT ME!

I haven't heard from them since, but if I do, I plan on sueing GE Money Bank for ruining my credit rating. Ever since this happend to me, all my rates have skyrocketed.

My advise to you is borrow the money you owe GE from someone else and pay them off immediately and NEVER USE THEM AGAIN FOR ANYTHING.

Best of Luck!

What can be done about this company and who do we contact to represent us legally? I was tring to build up my credit but this company is hurting my score.

G. E. Money Bank is not sending me my bill in the mail and though I have called several times and written twice, they are still not sending me the bill. I do not do online banking. I have no problem receiving other credit card bills in the mail. What is their problem?I now have to call in to see when my payment is due as they switch the dates around every month. This has caused me to get late charges on my bill. G. E. sucks and as soon as they are paid off I am dumping them.

right!

I worked for GE in Australia. We should spread the word! Thier bonus structures are based on ripping people off. Get the fat cats fatter and have all of the workers get nuthin. ### GE fraudsters, should be shut down and given no federal funding.

I have been paying my required payment monthly on line. These payments are not posted in a timely fashion and I am regularly being charged a $39 fee. Then they want me to pay another payment 'to bring it up to date' and charge me $10 for making a phone payment.

They claim that I make mistakes in the account number and/or the routing information. I have given them that information more than once. I have just writte3n them another letter in this matter.

I have also sent them a copy of the complaint report that I have sent to the Florida Attorney General's office.

We had a Lowe's credit card for years. Not much only $500.00. We paid online and when we changed banks, I was not familar with the online banking time. One payment was late one day and they cut my credit in half. So still needing it for home repairs, we ket using it and paying before time We just received a letter from GM bank that they have canceled our card. Not because our payments were always on time, but because of other credit reports, not because of our record with Lowe's. I'm not paying anymore payments. Let them turn it in to the other credit reporters, it doesn't seem to make any difference anyway.

nows thats 100% B.S i have a JC pennys credit card very low credit line never been late on this card pay the bill right at the store i got a letter lowering my credit limit because of score my cedit score is 800 how much higher do they want it its excellent GE mneyhas done this to me many times i n the past if a law suit was against them for aything have to do with custermors releations i wouls be the first one to sign i truly hope thing go truly bad for them they loose everything goverment can take over and the big fat cats that work for them loose all they have too

ge money bank sucks

They did nothing wrong and I applade GE for taking some finacial responsiblity. They needed to lower the credit limits for people that had credit cellings way beyond their earning potential. I also don't understand while you would leave an open line of credit through Husquvava, how many lawnmowers do you plan on buying per year? Ofcourse they would close it do to inactivity, you should have closed the accout if you were not going to use the line of credit.

I do congraduate you for being ficially responible and paying your balances off every month, but why keep multiple lines of credit open if you don't need them. That in its self will hurt your credit score. GE lowered the credit limits on millions of customers during the economic downturn not just a limited few that you happend to get lumped with. Class action lawsuit? Keep your litigation to yourself and let these companies correct there decades of mistakes.

what a coinciident I stop reciving bill for over a year thinking that they were sending the bill to my son who is now in the army i only have 1 thousand to go when i when to visit my son his wife told me that she has not recived the bill and they send the bill to a collection agency but she found no way to finish paying the bills my credit score got worse and so is my son we are trying to get this over but really dont know what to do or how . If anyone know haw I can get rid of this bill please contact me by replaying to this email.

Is it an India man with a heavy accent I jus got scammed yesterday i want to bring this out and shut them down if the guy is supposedly legitimate i don't remember the name of the guy couldn't understand him but i have two numbers and I located them they were both numbers to a home in LA and in Minnesota. They took my last 80$ i could have fed my family with but was promised my money would be in my account in 10mins after they swiped it off a green dot card...

I know that the service reps are non-customer friendly and useless. Also CANNOT believe with all the technology today that the consumer is unable to make a payment on line! Although we love the Yamaha products we have not been thrilled with the employees of GECRB/ Yamaha installment pmt division in Atlanta, GA. Be it noted though we have several other accounts affiliated with GE Capital and have not had any thing but positive and customer-friendly responses. Think Synchrony needs to CLEAR house in the office in Atlanta and rehire customer-friendly personnel.

Respectfully written...

ok ... not going to go into what everyone else has said because i've gone through it as well as has thousands of others. but, seriously, after all the the 16th century payment methods of stone carvings, spitting on hands and pony express stuff i've had to endure, you're going to charge me late fees even when you take money directly out of my account? you're kidding right? no really, you're kidding? you're not kidding ... ok, let me introduce you to my lawyer.

if we were to circle the main office with all the yamaha's and their riders that have been wronged by this company, i believe we would stop traffic until at least two counties out.

1939 Orizaba Ave
Signal Hill, CA 90755
rynegriswold@verizon.net fax: [protected]
07/19/2013
Margaret M. Keane
GE CAPITAL RETAIL BANK
Consumer Complaint Division
PO BPX 530912
Atlanta, GA
Dear Margaret M. Keane,
Re: [protected]
On 12/20/2012, I purchased a 2012 Kawasaki ZX10R at Long Beach Motorsports (3291 Cherry Ave Long Beach, CA 90807) and opened an account with GE CAPITAL RETAIL BANK.
Unfortunately, your Retail/Financing Bank’s service was inadequate because they customer service staff are unhelpful, lazy, and/or rude. All but one customer service representative were unhelpful. She informed me that all representatives had knowledge to fax numbers and all appropriate numbers and information. However, 90% of them did not have proper information and proper training. I am disappointed because I am being charged $10.00 service fees to make automated payments over the phone or $15.00 to speak to a “human”. I have been with many banks over the years and have had multiple accounts with Wells Fargo, Farmers Insurance Credit Union, Washington Mutual, and recently Pen Fed Credit Union. All of the following Banks that “finance” vehicles do not charge outrageous fees even close to what you are charging. I work for an insurance company and we charge at most for service fees $5.00. I am currently financing a car through Nissan/Infiniti Finance Corp. and they to only would charge $5.00 if I did not have automatic payments. I do however have automatic withdrawal payments with the above listed companies and NEVER pay REDICOULOUS SERVICE FEES! All of the banks listed have ONLINE capabilities to make payments, YOU DO NOT!
Friday the 19th of July I did make a payment for $250.00 over the automated phone and was never charged $250.00 for the payment and $10.00 service fee to make a payment with an automated system that costs you no money to use other than for the phone line and electricity. You are a multi-billion dollar corporation and you still have prehistoric ways of making payments? Is this how you generate so much money is charging these ridiculous fees?
To resolve the problem, I would appreciate it if you refund me my last late fee occurred this month. Enclosed are copies of my bank account information to withdrawal money from my account every month along with a voided check like I have so previously faxed and mailed multiple times, yet I continue to receive unable to enroll you papers.
I look forward to your reply and a resolution to my problem and will wait until 08/19/2013 before seeking help from the Board of Governors of the Federal Reserve System, a consumer protection agency, and/or the Better Business Bureau. I will also encourage fellow friends and customers to be more opinionated on the services which you provide them as well. Please contact me at the above address or by phone at [protected] or email me at rynegriswold@verizon.net if you know how to use an email.
Sincerely,
RYNE A GRISWOLD

We called to pay off our loan and was told 27 late
Fee where added to the loan in which we paid
On time and with western union and called each
Time with the payment number never called no paper
Came to our home for the late fees I am contacting the
BBB and FTC and everyone else I can find this needs
To stop and this company needs to be in the court
Of law to be put out of business this is my stand
Every call the FTC in let's get this company to pay
Us back all what's due and let them be fine

I have to wonder how much we (the taxpayer) get hosed by GE because of all the business the government does with them?

GE Capital is a joke. No online payment! It is 2012 isn't it. My only option now is a 10 dollar phone fee or 40 dollar late fee. I will never deal with GE Crapital again.

I am refinancing. It's taken me two months to get completely fed up. I'll get better interest rates, a grace period better than GE (it's not hard to beat a zero day grace period and a 40$ charge per day), and online bill payment! Everything I've read on the Internet is all completely negative about these people, and I refuse to continue paying interest to them. I'd rather a higher interest rate than deal with this. Good riddance.

I absolutely hate these guys. Outrageous interests and they claim that you miss payments when in fact you do pay on time. I would like to see a class action lawsuit immediately!

Bate and Switch: The same thing has happened to me. I paid off the promotional balance, on time with money drawn off my Health Savings Account on time-in plenty of time to not incur the interest on the medical bill. They rejected the payment without my knowledge. About two weeks after I paid off the bill, I get a "courtesy" call stating that I had missed a payment. I was flabbergasted. I called the company. The customer service rep was an idiot, telling me that GEMB does not accept payments from Health Savings Accounts. When I asked to speak to a supervisor, she hung up on me. You don't hang up on me unless you want to hang yourself. So I have filed three complaints to the BBB. GEMB also conducts business in multiple states, so the consumer doesn't know who to deal with. I have had communications from them from FL where you send your payment, to OH where you send in complaints that fall on deaf ears, and now from some woman in SD(Darcey Segatti West, Corporate Specialist, Consumer Relations). The latest communications I received from GEMB states, "unfortunately, GEMB does not accept payments from HSAs submitted as a debt" even after I called my bank. My bank told me that I can use the money in my HSA to pay off any bill I want. The designation HSA is only for IRS purposes, not GEMB's purposes. It's simply a checking account. Money is money. My bank resubmitted with the very same account information I sumbitted to GEMB on 04/14/2011, and GEMB took my money from the very same account I used the first time. So which is it? Do they accept money from health savings accounts or don't they? This is just another example of greedy credit card companies engaging in unethical billing and collection practices, trying to stiff the consumers. I am warning everybody, "Do NOT get talked in to using a GEMB card to pay any doctor or dentist." It isn't worth the harassment. Medicaid patients don't have to even pay a copay if they don't have the money, so why are working class consumers being forced in to contracts with companies like GEMB? To Mary K: GEMB doesn't have to cancel my card, I cut the blame thing up and threw it in the trash!
Please send my any email communications to tmcnei50@yahoo.com if you have any more hassle from GEMB. I think a class action law suit against the company is in order mys elf after reading that suggestion on this board. Apparently, GEMB is engagin in unethical billing and collection practices across the board. I will NEVER use that card again and stick with my own money market account at BB&T, a bank that I trust and knows me.

I AGREE...GE MONEY HAS BEEN CALLING ME FOR THE PAST MONTH SEVERAL TIMES A DAY..I JUST LET THE ANSWERING SYSTEM ANSWER FOR ME..

I worked for GE in Australia. We should spread the word! Thier bonus structures are based on ripping people off. Get the fat cats fatter and have all of the workers get nuthin. ### GE fraudsters, should be shut down and given no federal funding.

Complain to their regulators- The Office of Thrift Supervision (OTS) and your congressman/woman. They did the same thing to me and I refuse to let it affect my credit rating. I paid off no interest accounts early and then one month later they "reviewed" my account and decided to close them. I had tried to close them myself but could never get through the 5+ minute wait time.

Don't let them win- be a thorn in their side until they relent...I know I will

This same thing just happened to me. I had a Paypal Plus credit card through GEMB. My initial credit limit when I got the card almost 4 years ago was 4, 000.00. I have never been late with a payment, always pay much more than the minimum and paid the card off in Aug. In Sept. of '08, I got a letter stating that they were lowering my credit limit to 2, 600.00. So, I decided to just only use the card if I wanted something on ebay, and would pay the balance off in full at the end of the month. I used the card 3 times since Sept. '08 always paying the balance in full each month. Well, last week I received a lovely letter telling me that 'due to things in my credit report' they were lowering my credit limit to 190.00! Oh my goodness! I have NOTHING negative, no late payments, no judgements, NOTHING negative on my report. So, I called and closed the account. I also have an Old navy card through GEMB, initial high limit was 4000.00, they lowered it to 2, 610. in Oct.'08. Never late, paid off card in Oct.'08. Then I received a letter in Jan. that my credit was lowered to 1090.00. I called on Friday and closed the Old Navy account as well. I just wanted to be done with GEMB. They are crooked liars who lie and cut the throats of their good customers. They need us way more than we need them. I have 2 Citi cards and Citi has been wonderful to deal with. No ugly letters, no lowering of my credit limits. I know closing my 2 GEMB accounts hurt my FICO score, but I figured it would look better on my credit report if it stated 'account closed by account owner' rather than letting GEMB close it for no reason. I just cannot believe that GEMB is treating their customers like criminals. This will all rebound, the economy will pick back up and GEMB will be left with NO good customers. I will not go back to them for any reason whatsoever. I did everything that I was supposed to do and they betrayed me. I am done. It did feel really good to take control of the situation and close the account so they could do no more damage to my credit score. My score will rebound (it is 770 since closing the accounts and the lowering of the credit by GEMB) and I will never make the mistake of being a customer controlled and hurt GEMB ever, ever again.

This same thing happened to me . I had a HH Gregg card that has been paid off for over a year and last week I got a letter saying GE Money had closed my account...Why would you close an account on someone who has paid there bill on time and has a zero balance. I will NEVER deal with this bank again I have great credit and they just lowered my score...This is terrible and this is not fair to be punished for having good credit!

I got the same letter last week. However the week prior I had requested an increase in my limit to cover an elective surgery and was approved. I scheduled my surgery, put down my $2, 300.00 deposit in cash(I was using my care credit account to cover the additional $3, 000.00 of the surgery). The surgery must be canceled two weeks prior to surgery in order to not loose some of my deposit and sadly the schedule date is next week so now I am out money. I would never have schedule this surgery with out the increase being approved. Now my credit is affected and I am out of money(I found out today just how much I am loosing) there should be some law out there to protect the consumers not just the credit companies. They told me that they canceled my account because Equifax told them to which is not true a credit reporting company does not approve or disapprove a credit app. they supply your credit history to the lender. By the way my credit score is a 785 with a co-signer on my account that has a 730, now I am not the smartest person out there but I am pretty sure those are fairly good scores.

Ge Money Bank did the same thing to me. I was never late with a payment. I never went over my limit. One account had a zero balance. Then I got a letter from my Macy's Visa and they lowered my limit from $5, 500 to $3, 000. I was never late with them either. In fact I've NEVER been late with any of my credit card payments. I figure the economy will eventually get better and the the credit card companies are going to be recruiting again but I will use these companies again. By the closing lines of credit and lowering credit limits the in fact destroyed my good credit. I don't see how consumers can ever trust them again.

I got the SAME letter this weekend. It makes me SO mad! I am working on re-building my credit right now, and I have been paying for my sons braces through this account...always paying on time...always paying more than I needed. 1st, they cut my credit limit, and then they completely closed it. The thing that makes me angry is that it is going to report to the bureau as "closed by credit grantor", which will affect me negativly. They could at least have the decency to have it state that it was "closed by the consumer".

Steal your money? Remember the adage "If it sounds too good to be true, it is." You got burned because of your own wishful thinking. You took out a loan; it you didn't bother to look at the terms, that's your own fault. I'd like to be more sympathetic but I've been on both sides of the finance business and this is a standard marketing technique.

"fraud and breach of contract" HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA! oh god u are stupid.

GEMB has the has the right to close your account at any time.

they are required by law to send you an adverse action letter when an account is closed due to info in your bredit bureau report. they did... you just didnt read it. (or the lovely post office didnt do their job... again)

credit is a privellege, not a right, get over it!

I just received a letter today stating the same as above. In addition, "total balances on retail trades" and "age of oldest trade". I havent had a payment since Oct. 2008 in which my card was completely paid off and without missing a payment.

Happy 4th for me!

For six months I had a Pay Pal Buyer Credit account through GE money bank. My credit limit was $300 and I always paid on time and paid more than twice the miniumum amount.

Suddenly I received a letter from GE Money Bank telling me that my limit had been lowered from $300 to $100. The reasons:

1) average credit utilization on revolving/open-ended trades.
2) highest credit utilization on bank revolving trades.

What in blazes does that mean? I called GE and was told that they get monthly copies of my credit report. Monthly? What kind of paranoia is that?

When my account is paid off I will ask them to close it and state, on my credit report, that the account was closed at the consumer's request.

I don't need the grief of dealing with such people.

GE Money owns all the credit cards JC Penny, Discount tire, Lowes, They have lowered all of my accounts and closed one of them. This will bomb your credit rating because when they lower your limit it looks like you have maxed them which is bad. None of my cards were maxed and I made my payments now my score is down the toiet. When things get better. Don't support the companies that allowed GE MOney to do it Shop Home Depot Nordstoms any place that doesnt use GE Money. If they don't go under, I thing when we st op using them they will!

I also recieved a letter today that my inactive account was being closed. I just paid it off 4 months ago... This is going to negatively effect my credit. I purchased a bed, paid it off in 6 months and never missed a payment. My plan was to build my credit history, not make it worse. The world is topsy turvy isnt it?

There are alot of complaints and I sure hope a class action suit is brought up against this company. I dont know the legalities of this but hopefully some legislation can be passed to protect consumers. They think they can pick off honest people who pay their bills. Just remember that united we stand, and divided we fall.

I can certainly relate to you. I just received a lettr today that they closed my account for same lame reasons. This comes after paying them a $900.00 payment one month ago to pay off the account withint the deferred interest time period. You are right that it will affect our credit reports when it's termed that the account was closed by credit grantor. I am not going to let them destroy eight solid years of perfect credit for me.

your'e upset they want 2.5% of your balance every month? you realise thats normal right? what would you prefer? paying 0.5% of the balance and making payments on it for 150 years?

and how is fully disclosing the minimum payment clculations in the terms and conditions before you even applied, "socking it to the consumer"?

and why do you feel it's GEMB's fault you took a gamble on your future? maybe you should have thought about "providing for your family" before you racked up 21K in debt! this is why america is in such a bad spot! we want something we cant afford? CHARGE IT!

get over yourself, you messed up. take the shame mate!

This same situation happened to me...My balance was $1, 200.00..i sent out 3 money orders..two for $500.00 and one for $200.00...only $700.00 was cashed. All in the same evelope and mailed. Its been over two weeks and still the other money order fro $500.00 has not been cashed.

If you live in Oregon and even if you dont email heather.j.mcfarlanemartinez@doj.stste.or.us with your complaints.

This is the Department of Justice in Oregon who are the only ones who can deal with this terrible company.

R

TO CARE CREDIT PETS are MORE IMPORTANT than the [humans] THEY
need to survive!
(LOL Care... Right) 3/28/2009 chaorai35@yahoo.com

Hi, My name is Chuck. 33yrs Male, Florida. I have worked since Age 14./ Recently I needed
a Root Canal. Cost: $1900. In this economy I just do not have it.
All in all I Need Braces...Badly & I've never had a cavity until I turned 30yrs old.
Anyways, due to my financial status right now I could only afford to get the tooth pulled for $245.
I'am currently on Umemployment and my Fiance works 2 jobs to keep it all together for now.
With her 3 kids and our 1 yr old girl together we're just making it. At the end of 2008 she applied
for CARE CREDIT for the kids and was turned down.
NOTE: She holds 2 JOBS & is a HOMEOWNER by Private Lender who doesn't report to
credit agencies.
I myself who has a better Credit Score than she does 662+.. 700+ at other credit reporting
agencies, was turned down by Care Credit. Therefore resulting in an Exstraction instead of a root
canal saving my rear right Bicuspid. YOU WILL NOT BELIEVE THIS!
What they don't know is...
My Fiance is a Vetinarian Tech who deals with applying with CARE CREDIT on a regular
basis. She told me, recently a man came into the Vet's Office with his dog who needed a $300. job
done. My fiance applied for CARE CREDIT for him there in the office and they gave him a $4000.
Credit Limit. THE REASON WHY SHE APPLIED FOR CARE CREDIT: The man stated to her that
"He had no money what so ever.".. "Because he just got out of PRISON serving a 5 YEAR TERM
& he didn't have a job at all...? I have credit. I pay my credit cards on time. I've NEVER
been Arested for anything! SO TELL ME... CARE CREDIT... HOW MUCH ARE YOU
GETTING FROM THE GOVERNMENT FOR DILENQUENT ACCOUNTS.
FROM PEOPLE YOU KNOW WILL NEVER PAY 1 PAYMENT.
I'm not one to point fingers but someone Needs to investigate
CARE CREDIT's FRAUDULENT ACTS against the American Taxpayer.
BERNIE MADOFF WITH MY TEETH.

This is one reason why we America is in the hole we're in.. RIGHT NOW!