I received my June 2009 Chevron/GEMB statement and noticed a $29 late fee despite the account having been paid in full. Upon my inquiry as to the late charge, Chevron/GEMB informed me that my paid in full check was one day late. I disputed their claim and requested the $29 late fee be removed. Chevron/GEMB refused to remove the late fee despite the fact that my account had been paid in full and that my account history clearly detailed my account had been paid in full each and every month for the past 6 months and beyond. Chevron/GEMB did offer me a 10 cents per gallon reduction on my gas purchase for 30 days, but I refused and requested the $29 late fee to be removed to which they refused.

With the decision by Chevron/GEMB to not remove the I closed my Chevron/GEMB credit card, requested that they remove me from their mailing lists and to not contact me whatsoever. Additionally, I discussed the matter with a large local law firm as I am seeking to resolve this matter in court in a class status. I would encourage everyone who has an account with Chevron/GEMB and or GEMB to close their accounts with this business as they cannot be trusted. The consumer controls 70% of GDP, so lets send them a message and put this irresponsible bank out of business!

I opened this account in January of 2007 with my father as a co-signer. I paid a few dollars more than the minimum every month by the due date until August 2008. In August 2008, I began experiencing money shortages. My payments were no longer made by the due date, but the payments were made within 30 days. My father was a cosigner on this account and it was imperative that I stay as current as possible. I let other accounts go deliquent before I let the Care Credit account lapse. In February 2009, I took the family in for their semi-annual cleanings at the dentist. My preferred dentist is not in my dental insurance network and I use the Care Credit account to cover the difference. When I attempted to pay my bill, my account was denied. I contacted Care Credit dba GE Money Bank in order to determine the cause. GE Money Bank closed my account due to deliquencies on my other credit accounts; not remotely related to GE Money Bank.

My financial difficulties continued and I needed to reduce my monthly payments. I knew that the credit companies offered financial hardship programs for deliquent borrowers, but the only way to qualify for the program was to be deliquent. Therefore, I allowed the Care Credit account to go 60 days late. This, of course had an adverse effect on my father's credit. My father had two other lines of credit with GE Money Bank. The company closed his long standing accounts because of the deliquency on the Care Credit account. After being 60 days late, I qualified for the hardship program, but only after creating an adversarial relationship with my father.

The company has told my father that it will remove the adverse information from his credit bureaus and that he can apply for new lines of credit after the adverse information is removed. We, as consumers, know that factually accurate information cannot be removed from our credit reports and that the adverse information will keep him from qualify for any further GE Money Bank products.

I understand that my deliquency affected him, but I also hope that he can understand that GE Money's business practices will continue to adversely affect him regardless of my account status.

As a Service Connected Vetran I have had a Lowes credit card since 1998, Built two homes and furnished them, Bought enormouse amounts of tools big items as well and paid cash for it all never using my credit card only for emergency use only.
Never been late on a payment nor have I went over my limit, But GE Money Bank sent me a letter they were closing my account.
All my bills are paid on time, and I find this to be very disturbing.
I JUST WANT ALL VETRANS TO BE AWARE OF THIS MATTER AS FOR EVERYONE ELSE.
BOBBIE WHITMIRE
P.O. BOX R
GAINESVILLE, GA 30503
[email protected]

We made a purchase a year ago on a GE Money Bank loan. The loan was no interest or payments for 1 year. After that year it will go to the adjusted rate for interest. Well my husband and I sent in our final payment to payoff the loan before the due date. GE Money Bank claims they never recieved it. I found all this out when I recieved a bill in the mail for ALL the acrewed interest over the year of the loan. I immediatly called them and asked what happened. They said, " they never recieved the bill and that we owed the entire amout of interest $1300.00. I told me that I did send the payment, they did not seem to believe me or care at all. I spoke with the supervisor who was very aloof and dissconected from the world. His attitude was " too bad for you". I immediatly made an electronic payment on there web site for the entire amount owed. I also stopped payment on the check that I originally sent it. I mailed all this info with a letter explaining what had happened. I got a letter back stating, "who cares". I am just amazed at a company that would be so unforginving and with no understanding of a certain situation. I will never do business with GE Money bank and I will tell all of my friends and family not to as well.

I signed up for GE MoneyBank's CareCredit card for my dental procedures (braces). I was recently looking at my statement online and I noticed that they have added "account security fees" which was around $80 EVERY month since December 2005. When I asked the customer representative, she gave me a different number to call. Since today's a holiday, I will be calling them tomorrow... I am waiting for appalling answers.

Additionally, their collection agency calls and promises that they would waive the "pay by phone" fee if I make a payment over the phone with them. But when I look at the statement online, the pay by phone fee has been applied and not waived. When I asked the reps about this, they inform me that I should be aware that every time I make payments over the phone that there will be a charge. But I told them that wasn't my concern. My concern was that I am promised that the fee will be waived when in fact the statement says otherwise. To this, the rep said that the fee was assessed by the collection agency and that they should not have misinformed. I told the rep to file a complaint about this and that I needed a letter stating that this was done. But she said that she cannot provied a letter of a formal complaint. I feel violated!