Walmart
Reviews and Complaints

sounds like you need to clean up your act. you probably was acting stupid. by the way you wrote that complaint i can almost gaurantee you was being a idiot when the situation happened. grow up you [censored] [censor]

someone is always kicking the black, huh. get some damm learning ! pull up your pants & quit talking like you are from another planet. you must be as dumb as a box of rocks ! you were never a slave & neither were your grandparents, so get off your pity-poty! start acting like you have a brain, you [censored] ### !

wow I have been reading all these for awhile now and I think you should go shop at the walmart where the white woman was accosted by a black lady that asked to see her receipt.(which is NOT uncommon) I bet you 10-1 that man was an older man. He meant nothing about the color of your skin, and everything about the aura of idiocy that was probably emanating from you. You can be an idiot in any color.

Wait...is this a joke...lmao

Well, I was going to leave you a comment on how stupid you are, but it seems like that's pretty much been covered... Maybe you don't need to go to college but you do need to go to first grade; I could barely understand what you were saying.

What a total, and complete idiot.

TYRONE,
REVIEW WHAT YOU WROTE.
NOW, DO YOU HONESTLY THINK THAT YOU'RE ILLERATE? PRETTY MUCH.
YOU TALK ABOUT PAST HISTORY.. THAT'S WHY IT'S IN THE PAST. GO TO THE PRESENT AND FUTURE. WHY? BECAUSE THAT'S ALL YOU HAVE TO LOOK FORWARD TO.

NOW MAYBE, JUST MAYBE, YOU HAVEN'T HAD THE OPPORTUNITY TO PROCEED WITH A HIGHER EDUCATION. NEWS FLASH...OPRAY WINFREY, MARTIN LUTHER KING AND MANY OTHERS SUCCEEDED. THEY DIDN'T WANT PITY. SELF PITY HAS A TENDENCY OF BRINGING DOWN YOUR OWN SELF-ESTEEM. DON'T LET THAT HAPPEN! PROVE NOT ONLY TO YOURSELF, BUT TO OTHERS THAT YOU ARE CAPABLE OF CONROLLING YOUR OWN LIFE. ACHIEVING. YOU'LL FEEL BETTER ABOUT YOURSELF. THERE WILL BE A LOT OF RESPECT NOT ONLY IN YOURSELF, BUT BY OTHERS.

AS FAR AS THE WAL-MART ISSUE GOES, HE'S OBVIOUSLY NOT A PEOPLE PERSON! YOU'RE GOING TO BE RUNNING INTO THESE HUMANS ON AN EVERY DAY BASIS. GET USED TO IT. THEY'RE THE ONES WHO ARE IGNORANT. NEXT TIME, ASK HIM IF HIS BLOOD IS RED. ASK IF IF HE CRIES. AS HIM IF HE ENJOYS TREATING OTHERS IN THIS MANNER. AFTER THAT, LOOK AT HIM STRAIGHT AND TALL AND ASK HIM WHO THE STORE MANAGER IS. YOU'D LIKE TO SPEAK TO HIM OR THE SUPERVISOR. DON'T LET PEOPLE INTIMIDATE YOU. THEN TAKE CONTROL OF THE SITUATION AND DON'T LEAVE HIM WITH OPTIONS. YOU'RE THE CUSTOMER. YOU GET WHAT YOU WANT.

YOU BEING AFRICAN-AMERICAN WAS NOT YOUR CHOICE. NOR WAS I BEING A WHITE LITTLE BUTT-HEAD.
BEST TO YOU!

Troll.

plz don't be stupid. my guess is, the crotch of your pants was around your knees and the chain on your neck weighed more than your shoes, and you looked like a wannabe thug, which is precisely what you sound like. He gave you some good advice when he said you need to go back to school. It was in no way a racist remark. Get over yourself. I mean, you weren't even alive before slavery was abolished. You have more laws to protect your rights than anyone, besides immigrants. If you didn't ACT LIKE A IDIOTIC THUG, you COULD get into college. Grow up and stop playing the race card. its really getting old.

What? I agree you dont need college you need to start over maybe with the first grade. I am so sick of black people thinking everyone owes them something, i am by no means racist, but people like you are the reason so many black people receive racist remarks. I am proboly wasting my time because im sure that you have no idea whta i have typed unless you have gone a friend who has passed the third grade reading this to you.

I had problems with my oil being changed at walmart also. Different problem though I told them the type of oil . I would have never known any difference, except they left half a quart of oil in my floor board. I ask them after getting in it what was this ? There reply oh thats rest of your oil we could only get 4 and a half quarts in it . My car holds five. I made them take that oil out and watched them put the right oil in and the right amount in. Lesson learned I have not taken my car back to them since for a oil change.

For the past 2 months I have been trying to get a refund on a Wal-Mart Money Card I purchased that was lost. I gave the rep ALL receipt info at initial claim and was told that the card had not been activated nor used and a refund would be investigated. I requested at that time that the card be frozen from activation and use as it was no longer in my possession. I have followed up in two week increments and given three different claim numbers and nothing was done except noting frivolous notes on each account to justify closing the claim. For the first time on 1/3/2017 I was asked to fax the receipt in which I did within 1 hour of the request. I faxed it three times from two different fax machines to ensure receipt. I saved my transmission confirmations. On 1/5/2017 I was told that no fax had been received. I found out two days ago that that card has now been used and was given yet another claim number because the card had been used. I was AGAIN asked to fax receipt. On today, 1/7/2017, I faxed the receipt again plus the three previous fax confirmations. I realize that the Wal-Mart Money Cards are outsourced which I am sure Mr. Sam Walton would not appreciate as he would also not appreciate this lack of customer service I have been provided. Sometimes it is not worth the savings to outsource. Wal-Mart needs to take interest in its affairs in other countries that affect Americans. This was my thirteen year old daughter's money she earned dog sitting in which she was going to use to purchase i-tunes and online games.

At first the wal mart money card was an exxcellent idea. No papers to fill out direct deposit use it any where visa is excepted, but now you have to pay to reload everytime, monthly membership fee s apply monthly( no problem) but then you load money and can't get money off. You try to call customer support and they charge you for that too. Come on now its our money not yours and we pay to use the card. So, how is it fare to us. That's not saving money Wal- Mart, that's spending more than you sve.

I was in search of a pre-paid VISA card that could have amounts of over 500.00 on it. My father had just passed away so I wanted to send my mother on a all expense paid trip to Gatlinburg to relax and heal a bit. So someone suggested the Wal-Mart money card. I went to Wal-Mart and purchased three..two with 500.00 each on them and one with 400.00 on it. My aunt and brother(who would their driver) was accompanying her. So I got the cards and activated them online. I thought all was good until I got a call Sunday night that one of the cards was not working at a gas pump. This was the night before they left. They got it straightened out. The next day after getting to Gatlinburg they went and had a nice meal. Well...none of the cards worked so my Mom had to pay for the meal. We called Wal-Mart(they had to conference me in) and they said there were blocks on the cards due to some information I entered incorrectly for just one. They also said all three cards would be terminated completely in 2 weeks even if the money was not spent. The blocks were lifted and I thought all was ok. So today I get another call from my brother...blocks had been put back. We got on the phone with them again. I said this has to stop. I want my mother to have a good relaxing time. They apologized...said the blocks were lifted..yada yada. Not 10 minutes later...the blocks were back on. I got another call. So we called them back. This time I had to shut the door to my office for fear I was going to start yelling I was so frustrated. I told them if the blocks happened again I'd be hiring an attorney that this was beyond ridiculous. My brother, aunt, and mom are 300 miles+ away from home with limited personal funds and this was all they had.
I told my brother to withdraw what was left off of each card so they'd have the money they needed in case the a block was put back on again.
This crap has completely ruined my week. I'm a widow of under 2 years out myself and know how badly my Mom needed this little break and these idiots put a major damper on it. She swears it is all ok but I know it had to have taken some of the fun out of it. I will NEVER set foot in that horrible place again nor will ever purchase a Money card from them. I will just stick with the VISA gift cards from now on. The extra expense is worth not having the stress associated with a Money Card.

I fell for this also, I Cancel my last transaction on my credit card

Yes I fell for it to. Thanks to my computer, I was warned that it was faulse. So immediately canceled the transactions on my credit card. I can't believe this crap is still allowed on the internet. We really are not protected from any of this.

I received a Walmart money card for a gift, but do not have the receipt with activation number. How do I get this card activated?or am I out the money. Not happy. What can I do

Go to the walmart money card web site- that is where you activqte it. That is also where you check your balance and avoid extra fees!

I felt harassed, as the checkout person asked to ID me for purchasing a bottle of wine, when I am 58 years old. There is no way that she could not see my age (that I am over (40), unless she is blind, in which case she should not be put on the register . It is HARASSMENT.

they told i wont be charged until i receive my gift card ...but they have charged me 1.95$

regecte to chash ceck

is it wallmarts customer service policy to discrimanate against the disabled and handycaped? wallmart in bellingham wa. will not let the disabled take electric cart out of store make them put all goods in cart and wheel them out holding there cane or wheel chair this is not very good customer service if wallmart dosent want us handycaped & disabled in there store you should post sign on door no handycaped or disabled may shop at this wall mart.

They have to ID anyone who looks under 40...take it as a compliment and move on.

um, you didnt happen to be drunk when you wrote this eh? you spelled walmart wrong...
lol

Some places card everyone to ensure there cannot be discrimination allegations that would be brought up against anyone.

Please go away. You do know that the store and individual get fined HEAVILY and can lose their jobs if they serve to underage individuals? Better safe than sorry, some people just card everyone.

Quit your crying, drink your wine and it will all be better.

Are people really this stupid in California?

I hear ya! What a rip in the shorts...lol

Not only are the "associates" clueless on how to bag groceries,
the "management ", block the aisles on their 4pm walk-about.
Training and common courtesy please!

My boyfriend and i recently went to the walmart in oshawa located in the north end. We went to the photo place to print off pictures of our new born son. We spent well over 200$ there and the woman who was working was VERY rude. She was telling us not to come there and use the machines if we were going to be printing as many photos as we did and that her shift was over in less than an hour from the time we started printing and the pictures would take over an hour. First off, the pictures were done about 10 minutes before her shift, secondly, we always went there to print our pictures and because of that we will no longer be coming to print pictures or even shop at walmart because of the discusting and rude attitude we got. We spend a great deal of money at walmart every week, we dont deserve to be talked to the way we did, we should have been treated like a costumer should.

More than likely my comment will be deleted by wal-mart. I work for them and their management practices are some of the most abusive. No wonder people can't bag your groceries right! They are constantly being sent to do jobs they clearly were not hired for and moved everywhere in the store and if you don't, they call it insubordination by management. The stores are constantly understaffed but lots of management walking around doing nothing and what few workers they have working are doing the jobs of 3 or 4 people but for a low wage of one person. Your complaint is very valid I feel and so is mine!

I dont know if Walmart reviews these complaint on this board, but I would love to be contacted by a walmart executive about an experience I had in one of their stores. Its really one of a Human rights issue. I could not beleive how poorly one of their managers had spoken to an empmloyee in front of my wife and myself, I contacted a back office manager and he seemed somewhat indifferent to the situation, and I didnt pursue it further but I should have. The experience was rather incredible. contact
sandraliebling@gmail.com

WORST PHARMACY SERVICE IN OLD BRIDGE, NJ WALMART. RUDE INDIAN LADIES' GANG WHO DO NOT FILL UP MEDICATIONS. INSTEAD MAKE EXCUSES AND LIES "TO COME BACK TOMORROW." THEY SHOULD BE FIRED. WAL-MART NEEDS TO HIRE BETTER PEOPLE. ..HOPE YOU GUYS READ THESE COMPLAINTS. WHEN I ASKED FOR THE MANAGERS NUMBER, THEY ALL DECIDED TO GIVE ME THEIR FRIENDS NUMBER SO I WOULD NOT BE ABLE TO CONTACT THE MANAGER OF THE PHARMACY TO COMPLAIN ABOUT THEM. I WILL NOT EVER GO TO THAT PHARMACY AGAIN UNLESS THEY WERE FIRED. ALL OF THEM!

Don't worry it really is procedure to check all boxes and containers whatever going out, just that the manager could of mentioned it a bit privately to the associate

Call 1-800-WAL-MART for complaints.

I agree with the bad food. I will not buy any meat at Walmart again. I live 20mi. from Walmart and I've had spoiled mt. on several occasions.I only go there once a week or so . They tell me you can not get a refund on food after 7 days of purchase . Now with the price of gas I am not going to make a special trip 20mi. to get a refund on $4.00 mt. I was there on the 8th. day then did give me a refund but not with out an arguement. This is Feb. 26th I opened up a package of sausage for supper spoiled, the exp. date reads March 8th. So no more Walmart mt. Thats not all I have gotten there that has expired dates on them, a person shouldn't have to go into a store and check every item for expiration dates or you would not get out of there. Between hunting for everything because they move everything around every other wk. and long waits at ckeck out lines . I and alot of other people I know are sick of Walmart . I am going to do my shopping else where.(Hy-Vee)

store on North Point Blvd. dirty bathrooms and at least one toilet always clogged up. Floors through out the store dirty and out side there are always parked in FIRE ZONE .Can this be FIXED

Panorama city store is extremely filthy and not fit for human traffic! This store should be condemened and shut down!

Panoram store has filthy restrooms, dirty store floor, empy shelves, broken up parking structure. Where is Building and safety people?

this Is what happens when a company gets too big for their britches good management starts from the top forget all those daily meetings with the associates the store manager needs to be meeting regularly with the assistant and co-managers the first thing he should address is the need to greet each and every customer throughout the store, a friendly hello, that all. Start with the management staff where that quality of friendliness is sorely lacking. some of the associates actually do acknowledge the customers and that is while they are trying to stock 8 to 10 hours worth of work in 5 hours or less of actual stock time overnight the management is many times just walking around talking to each other, discussing the game or whatever, all the time IGNORING the customers the next issue to be brought up is how they degrade the stocker in the presence of others, customers included that's going to make a better stocker out of someone, right? why not actually work alongside a new associate and show him or her the tricks of the trade? faster ways to open a case, how to stock 4 bottles of ketchup, six bottles of salad dressing etc, in one motion unless they themselves don't know how then commend, commend, commend the stocker most humans will work a little harder if they feel appreciated, in contrast they may even slow down if they have the what's the use attitude which brings me to point 3 how many times do you see a member of management walk by a piece of paper on the floor in action alley? set an example instead of giving the impression to the associates "you don't care, so why should I?" Number 4 stop lying to the associates in the nightly meetings telling them how hard they work and how much they mean to you then the next night haul them back one at a time and either coach or fire them say what you mean and mean what you say or don't say anything remember who you are-----a leader---=--a leader leads the way, does not send the group flying in all different directions management if you cannot or will not do these things for those in your care, go away you should not be welcome at walmart or anywhere else wearing the distinctive badge of manager

I agree Samhung. Looks like we have any another troll on this site.

The Walmart in Hanover, Maryland is one of the WORST I have seen. What's more, it is relatively new. I took some guests there from New York and was thoroughly embarrassed! It was dingy, dirty and disorganized. To top it off, the FEW staff members seen seemed very nonchalant. I think the General Manager needs to be held accountable. This is not acceptable!

Is there a Target in your area or a local grocery store? You can shop at the mall too. But like the above commenter said, you will end up paying more. To some people (me included) cleaness and helpful service without the attitude is worth it.

I used to spend several hundred dollars every week at Wal-mart. I now go to HEB because they actually stock their stores, clean their stores, hire FRIENDLY people who will come and get you out of line to take you to a shorter line, bag my groceries, and just treat like they are glad that I am spending my hard earned money at their store! Sometimes the prices may be hirer but it is worth it to me because the store is clean and if I have a problem they listen and fix the problem. I WILL NOT GO TO WALMART !

I also bought a 50" rca dlp in dec of 08 lamp went out in three month's took two month's to get a new one have replaced it siw times at a $150.00 each last time it went out threw it out on the street for garbage. over a $1000.00 plus the lamps out the door. yes I am in on lawsuit against rca and walmart.

Lets go to court

I bought the rca 50" dlp in december of 2008 The lamp went out in 7 mounths took 3 mounths to get one from rca. got no help from walmart. now in the two and a half years I have had it I have replaced the lamp 4 times. At a $ 150.00 plus each time I think we should take walmart and rca to court.

Thompson sold RCA years ago under preasure from Wal Mart. Wal Mart wanted the RCA name for their store brand. Thompson sold the name to a Chinese company named TTE. TTE manufactured all of this junk that everyone is complaining about, not Thompson. Do you really want satisfaction for how badly you have been abused? Do not shop at Wal Mart any more. The dollars that you spend at Wal Mart have allowed them to do this to the RCA brand and others. Fight back with your dollars where it matters.

Consumers, stop buying all that Chinese made JUNK. If it says it is made in China, just walk away. You have to be smarter than the Chinese think you aren't. Or maybe not ! Stop buying on price...

Funny how Alicia is "14" in another post.

I bought my RCA HD50LPW175YX12 from BB, July 2006, Since then I've replaced 2 lamps, and the TV is now in the repairshop. I now need a color wheel, which cannot be found as the part is no longer being manufactured. I've been in contact with RCA/Thomson for resolution. I've faxed them a copy of my receipt and work order from the repairshop. I now have to wait 3-5 business days for them to further investigate and offer me some type of compensation. They say that it will be of fair market value. I'm interested in what the offer will be. I advise everyone to contact the company and stay on it.

I BOUGHT MY RCA DLP HDTV MOD#HD50LPW175YX1, 2006 MODEL, LAST YEAR THE LOUD HIGH PITCH NOISE STARTED, TOOK IT TO A DEALER TO BE FIXED, $600.00 LATER A NEW COLOR WHEEL, 2 MTHS AGO, THE LIGHT GOES OUT, FINALLY TOOK IT BACK TO A DEALER AND IT'LL BE $800.00 FOR THE LAMP... WHAT'S THE DEAL! RCA USED TO BE QUALITY... I HAD AN RCA FOR OVER 20 YEARS, REPAIRED ONE TIME., DUE TO LIGHTING DAMAGE! YES, THERE NEEDS TO BE SOME KIND OF ACTION AGAINST RCA, (MINE DIDN'T COME FROM WALMART). I SAVED FOR OVER A YEAR TO BUY THIS... NOW I'M OUT MONEY. AND BY THE WAY, I WAS ALSO TOLD BY THE DEALER IF I WAS TO GET IT REPAIRED I WILL HAVE THE PROBLEM AGAIN WITH THE COLOR WHEEL AND THE LAMP IN DUE TIME, LESLIE

same store same tv! I didn't get the warranty in the store I tried to get it through rca, but needed copy of bill. I called Walmart and they had no record of my purchase less than a month later mind you. Then less than 6 months later my lamp went out. I just got a lamp 2months ago now it's out again. I felt something was wrong when I first got TV. I too am calling BBB on rca and Walmart I feel they are running a scam. RCA doesn't deserve anyone's business. I have been given the run around since I bought this TV. I feel we should all ban together and demand not only a recall but a refund as well. I would also like to know the real reason they discontinued the sale of this TV. I will continue to fight until I am truly satisfied, and everyone should do the same. The more people the faster we will get results.

I have the same issue it is a hassle to deal with the people they have working on the 1-800 line for RCA. after many calls I am still waiting for the paperwork to come in to send out for the replacement and nothing. I also purchased my TV at walmart not even a year has pass and the lamp needs replacement.

I hope everyone who is thinking about getting a walmart money card or any card associated with GE money bank sees this site. I have a card. Have had one for a few months.

If you are planning to use the card for general purposes such as point of sale purchase or the occaisional cash back pos transaction you will be fine.

I want to make it clear that they shaft you in every way possible when you want to cash off the card.

If you go to an atm, there is a $400 per day limit.

If you want to go into a bank where they 'say' you can pull off up to $3000.00 per day, be aware that the transactions HAVE to be in $400 increments. this doesn't work so well when you only need $600 or $700 dollars or don't have the funds available to DO 2+ $400 transactions. also be aware that you have to pay GE a $3.50 fee for EACH trans. IT'S RIDICULOUS!
Not to mention that some banks won't even ALLOW non-customers to pull off more than $500 per day.

If you think your card is going to be 'convenient' for things such as paying at the pump...WRONG! they've taken that ability away as well. YOU MUST GO INSIDE TO PAY. so much for the awesome modern convenience of 'paying at the pump' with your visa.

I had this card and it's 'convenience' pushed on me each time I did a transaction at customer service and read through the documentation trying to make an educated decision about getting the card...no where do they tell you about the 'inconveniences' of using this card.

I recommend using a different method...carry your money in your shoe if you have to...you'll end up less screwed in the long run.

thanks for heads-up - so long GE and Wlmart - hope you are successful in Phillipines ?

Had same experience. How I finally got to a real person was to call the GE money bank number and pushed the numbers to tell them my card was stolen and that the balance didn't match. I then was connected to a "Real Person" within 5 minutes. The person I talked with then gave me this number [protected]) which got me in contact with another real person (this took 5-10 minutes) who was able to cancel my account. Hope this informatino helps someone else.

Wal-Mart Money Card is part of GE Money bank. Read below:

a.k.a. GEMB, GE Moneybank, GE Money, CareCredit, Kwik Comfort, JC Penney Credit.

The first thing to do is go to www.complaintsboard.com. Do a search on CareCredit, GEMB of GE Moneybank. You will notice they have a running scam.

1) Their offer is for interest free financing if the balance is paid in full after x-months, usually 18-24.

2) No matter if you mail in your payments, have autopay from your charge card, or direct debit from your bank account, GE will ALWAYS claim they did not receive your payment, or received your payment late. Why? Then they can add late charges! And of course, your last payment is always lost, therefore “you did not pay-off your balance in the predetermined time frame”. Then they try to collect a huge interest payment effective from the inception date.

3) You cannot contact the company via e-mail; they ignore e-mail.

4) You cannot get a response via snail mail; they ignore your letters.

5) If you are willing to sit on hold for 45-60 minutes, and punch in your account number countless times, you may be able to reach a person with a pulse. In most cases, the employee speaks/understands English, but are not overly bright.

6) Said person will claim your payment was not received, or received late.

In my case, I had electronic records of every payment. I also paid extra every month. When asked that I provide the proof, I faxed copies of the electronic transaction records as well as e-mailed same. Of course, they "never received it" despite the fact that I was holding the FAX confirmation in my hand and looking at the e-mail receipt.

Advice:
If you have entered a contract with these scammers, beg, borrow or steal whatever amount of money you owe them. DO NOT PAY INTEREST OR LATE FEES (unless you actually were late). Send a CERTIFIED CHECK, RETURN RECEIPT REQUESTED FOR THE AMOUNT YOU CHARGED less any payments already made.

If you did direct debit or credit card payments, close the bank account or cancel the credit card IMMEDIATELY AFTER the check has cleared or the withdrawal is posted. They tend to post charge card debits almost immediately.

Check for class-action suits in your area; there are many going on nationwide. Save all your evidence if they come after you. However, they won't because they would lose; I am telling you from experience. I threatened them with court and was refunded all interest and late fees.

Best of luck to you!

To Whom It May Concern:

The purpose of this letter is to file a formal notification of complaint alleging numerous violations of the Consumer Credit Protection Act (15 U.S.C. 1601) on the part of CareCredit, in that CareCredit, aka GE Capital Cons Cardco aka GE Capital Consumer Card Company. GE Capital Consumer Card Co. is a ""creditor"" by definition of 15 U.S.C. 1601-§103-f (Consumer Credit Protection Act) and therefore falls under the federal jurisdiction of the Federal Deposit Insurance Corporation (FDIC). GE Capital Consumer Card Co. has knowingly and illegally: - made a promotional offer of ""interest-free"" or ""deferred interest"" which, by its actions as enumerated below, it had or has no intentions of fulfilling, said offer falling within the definition of Section 226.2 of CCPA.

- levied late fees and finance charges when payments were actually received - and deducted from my bank account - PRIOR to the due date, - charged illegal and exorbitant ""account security"" fees without any form of legal disclosure or explanation as to what those charges may be, constituting a ""surcharge"" under sections 103 and section 167 of the Consumer Credit Protection Act (15 U.S.C. 1601), hereinafter referred to as CCPA. - has instituted retroactive ""terms and conditions"" without proper notification, in violation of § 226.7 of the CCPA. - has provided such ""terms and conditions"" in a format that appears to be a third- or fourth-generation unreadable photocopy consisting of print so small and faded as to be illegible, in violation of § 226.5.

- has made it virtually impossible for customers (clients) to contact them in a timely manner by failing and/or refusing to answer telephone calls for periods of up to 7.5 hours (by placing the customer on hold for such lengths of time) and by failing and/or refusing to provide any means on its web site of contacting CareCredit by email or any other means than an unanswered telephone line. - has acted to quash any meaningful payment inquiries by refusing to provide requested information to the bank upon which payments were drawn, in addition to failing to provide telephone-answering staff as alleged above. DETAILS: Application for the above-referenced account was made under a ""promotional offer"" (Exhibit A - promotional offer), which provided for no interest if the account was paid in full within 48 months.

This agreement was for the issuance of a ""medical credit card"" issued by GE Capital Consumer Card Co, 5300 Kings Island Drive, Mason, OH 45050, to cover dental (oral surgery) expenses in excess of that which were to be paid by the payee's dental insurance. The debt agreed upon was to be $1, 500.00. The first payment was due September 4, 2004 (Exhibit B - statement of payment due).

Payment was received via electronic funds transfer on September 2, 3004 and was deducted from the payee's bank account prior to 2 pm the following business day, September 3, 2004 (Exhibit C - email from USBank, formerly and aka Firstar Bank). The minimum payment on the above account is $45 per month. The defendant states that ""payment is due by 5 pm on the due date"" to ""avoid additional finance charges."" Payment was received and cleared well before that time.

Electronic funds transfer payments through USBank is guaranteed to arrive on the date specificied. This form of payment was chosen specifically to ensure timely receipt of payment, since US Postal Service delivery to and from payee's address is often very unreliable. In four years, I have had no problem with electronic funds transfers reaching their destination late.

The payee then received on Sept. 13, 2004 a ""late notice"" (which bore no postmark and was, in fact, bulk mailed - Exhibits D-1 and D-2 - envelope and late payment notice) claiming that no payment had been received, when in fact, it had. In addition, the payee was informed that a late fee of $35.00 and an ""account security fee"" of $23.25 had been charged additionally. In a document received Sept. 13, 2004, after the contract was entered into, labelled ""Account Security Debt Cancellation Agreement"" (Exhibit E), there is no mention whatsoever of any ""account security fee"".

Payee contends that this ""account security fee"" constitutes a hidden and therefore unlawful interest or finance charge, in violation of federal law. On that date, Sept. 13, 2004, payee attempted to call the phone number provided [protected]) and was informed by a voice recording that ""due to a high volume of calls"" there would be ""a lengthy wait time"". Payee kept the line open and was on hold for 3 hours 47 minutes before finally giving up, unable to speak to single human being during that time.

Additionally, the payee contacted the bank (Exhibit F - email) to notify them of the allegation by GE Capital Cons Cardo that no payment had been received, even though existing bank records clearly documented otherwise. USBank aka Firstar Bank responded to the payee on Sept. 14. 2004 (Exhibit G - email) that it was investigating the matter, then followed up with another communication - also Sept. 14, 2004 (Exhibit H - email) that ""GE Capital Cons Cardco will not discuss customer accounts with third parties"" and suggested that the payee call [protected] - the same phone number which GE Capital Cons Cardo will not answer.

An additional payment of $55.00 was made by the payee and received September 17, 2004 and deducted from the payee's bank account on Sept. 18, 2004 for the payment of $45.00 due October 4, 2004. No statement was received for a November payment, due Nov. 4, 2004; however electronic payment was made and received Sept. 29, 2004 in the amount of $100.00 (Exhibit I - details of USBank transaction printout), even though the payment due was $45.00. For the December payment, due Dec. 4, 2004, an electronic funds transfer in the amount of $100.00 was scheduled to be received Nov. 18, 2004, though the amount due was $45.00.

On November 12, 2004, payee received a statement from GE Capital Cons Cardco (Exhibit G - statement) claiming no payment was received for October and that a late fee of $35.00 had been assessed, as well as a ""finance charge"" of $106.64 and an ""account security fee"" of $22.38. The payee was also informed that the ""promotional offer"" had expired on an unstated expiration date, in violation of the agreement made and the promotional offer (Exhibit A). Also on November 12, 2004, the payee again attempted to call both toll-free numbers provided and was informed by a recorded message that ""due to a large volume of calls"" there would be a ""long wait time."" After 2 hours and 17 minutes, the payee again gave up, and on November 13, 2004, sent this document with a certified letter to the defendant.

In summary, payee has so far paid $400 on a $1, 500.00 debt and is informed the balance is $1, 563.13. All payments have been made and received before the due date. The payee asks for full restitution of the unlawful and exorbitant fees in the amount of $463.13 charged by GE Capital Cons Cardco, as well as all attorney fees and costs pursuant to this matter, and for full reinstatement of the ""promotional offer"" terms which were, and are, part and parcel of the agreement between the payee and GE Capital Cons Cardco.

The payee hereby notifies you, under the requirements of the Consumer Credit Protection Act. [15 U.S.C. 1601], that the aforesaid charges of $463.13 are contested for the reasons outlined above and that no such charges will be paid in the future. Payments will be made to repay the original amount of $1500, as contracted, in the time length necessary to avoid interest fees, per your ""promotional offer."" It is my intent to file legal action - as a class action suit if possible - and to seek full restitution and double damages as provided for in the Consumer Credit Protection Act

Though I don't have first hand experience of the kind of racial profiling that this Pudgy is complaining about. I don't have first hand knowledge of racist attitude and comments being displayed by Black Walmart employees towards Caucasian customers on several occasions at several different stores in my area.

So, after the first incident why go back to that store? Have you learned yet that the only thing important to Walmart is to take our money and kill any form of competition? Walmart will be the death of what was a strong US economy.