I applied for a GE Money credit card to purchase brand new tires for my suv. The promotion stated that I would not be charged interests as long as I make the minimum payments before the due dates on the bill and if I paid the full balance before the promotional expiration date of april 16, 2008. I make each payment by the due dates... right on time. This one payment was paid on time (Dec. 2007)... the next statement (Jan. 2008) even states that it was paid. So I was shocked when they send the February statement, stating that not only did I not make the January installment, but they also charged two late fees of $39. each (total of $78).. plus a $29 charge for return check fee. This makes it a total of $107 in fees that accrued. NOT FROM MY ERROR. I sent payment... the money was in my checking account. I visited my bank to see what happened to that check. The bank tells me that the check never came through. It never went to my bank to be returned / rejected. Why are they charging me $29 for a return check fee??? Late fees of $39... TWICE. I wasn't late. They sent me a statement saying they got the check. But somehow from getting my check... they either lost it... THEIR bank lost it. Or they just decided to shred the check... make believe I never sent it in, and started charging me all these fees totaling $107. SINCE I always make payments on time, they weren't going to earn any extra money from me in finance charges, so they have to make it up with these bogus fees. It wasn't an error on my part. THEY SCREWED UP. Why should I pay for their mistake.

So I send them a letter explaining my position with proof (copies of all my statements)... they send me a letter saying they will not remove those charges. This company sounds very unprofessional and I want to lodge a formal complaint. I have proof that I made payments ON TIME. I should not have to pay an extra $107 for THEIR MISTAKE. Thank you...

I'm in California but they list this address:

GE MONEY BANK
P.O. Box 981127
El Paso, TX 79998-1127
(General Correspondence)

GE MONEY BANK
P.O. Box 960061
Orlando, FL 32896-0061
(Address to mail payments to)

GE MONEY BANK
P.O. Box 981438
El Paso, TX 79998-1438
(Billing Inquiries)

Customer Service (1-866-396-8254) - no live person!

contact me at [email protected]