they have and are still chaging me late fees on late fees and finance charges on late fees total right now as of 3-9-09 $246.63. I originally took this credit out from Hugh's floor covering in charlotte, NC for $8500.00 equal payments for 24 mos. I paid this off three mos early due to their change in my monthly payments. I made payments to them totaling $8569.00. I have sent 22 letters to them including the CEO and numerous phone calls only to get transfered and hung up on. They have sent this to 2 different credit agencies and numerous calls to my home. I have never not paid a bill as you can see from my credit reports i have excelent credit and now I have this as a negative on my report.
Cathleen Petersen

I was NOT able to pay on line!

They sure make it difficult to make payments it is true they just want you payment late to charge you late fees!

On July 29, I was called by a GE rep that informed me that they had not received my July payment. I immediately made a payment by phone, for which I was charged a 10.00 fee for the trouble. I checked my bank statement when I got home and found that they had received the payment and GE cashed the check on July 9. I called them back and was told to fax the statement to 866 260 0767. I checked with them two weeks later and was told that �these things sometimes takes 3-4 weeks� and to call back the following week. I called on Aug. 20 and was told that they had never received the fax and to refax. I confirmed the number, refaxed the information and asked for a confirmation call, which never came. I called on Aug. 28, I was told the fax machine was �down� and I would have to send it by mail. I did a search and found an account of this same scenario from 2007 along with tens of thousands of other complaints about this company. I mailed the information on Sept. 2 and it was signed for on Sept. 8. I spoke with a rep on Sept. 15 and was told that the payment would be applied on the Oct. statement. When it did not appear, I called yet again and was told by an �Escalation Specialist� that it would take 1-2 billing cycles. I called on Oct. 20 and Chris #7099 confirmed that my July payment had been applied to a different account due to a scanning issue (the scanner misread the account number that a GE employee had recorded on the check). He said it would be put on a priority status and would appear within 30 days. I paid off the entire balance on Nov. 4 and sent a letter stating that the final payment had been made and the account was paid in full.

I called on Nov. 12 to check the progress and was told by Pam #71549 that the processing of research had JUST been started on Nov. 11. with no explanation for why. On Dec. 1, I spoke with Steven #74202 to check progress and was told it would be another 1-2 billing cycles and that nothing could be done to rectify the mistake they made. I reminded this rep that the balance was paid and the only outstanding was money they already had. He said that until they resolved it, I would be charged with late fees and possibly reported to a collection agency. On Dec. 12, I spoke with Barbara #BFA who guaranteed the payment would be posted by midnight that night. I called on Dec. 15, and not only had it not been applied, I now had a 39.00 late fee attached. I spoke with Nate #74227 who informed me that they had just sent a letter to me requesting a front AND back copy of the check along with a letter from my bank. When I asked why this had not been the request back on July 29, there was no reason given. I reminded him that GE confirmed back on Oct. 20 that they knew they had the money and even knew the account to which it had been applied. It made no difference to this company.

I got the �proof� they requested and sent it with a four-page letter from my lawyer threatening legal action if they didn�t get their act together. I finally received a letter on Dec. 30 with the resolution and a half-hearted apology for �any inconvenience this may have caused.�

This company is expert at lying and giving its customers the runaround. It would seem that there is a script they follow to make the process of correcting their mistakes as long and as frustrating as possible. It took five months, over 20 phone calls, research and a scathing letter from my attorney to get them to correct the mistake they knew they made. This letter was also sent to three CEO;s, Mark Begor, Jeff Immelt and William Cary. I have not had the courtesy of a response from these three gentlemen. Judging by the amount of online complaints, I can only assume that they have too many to respond personally. I was never allowed to speak to anyone in the Research Dept. Their customer reps were rude and condescending. I am recommending that the physician who set me up with this Mickey Mouse company find another bank to provide credit to his patients. I would suggest that anyone with a dispute, get an attorney on board immediately, keep records of whom you speak with and what you are told.

I am at my wits end looking for solutions to ongoing credit card late fees. I have a Care Credit medical card -- financed though GE Money Bank. I have since learned many things in dealing with these people. We as a family have 4 cards that are financed through GE Money Bank, and are diligently working to get them all paid off and closed. I REFUSE to give anymore of my family's hard-earned money to these villainous snakes.

When we got the Care Credit card, it was to help with a surgery we could not foot the bill for all up front. We thought it was a good idea at the time, because we could pay off the balance and keep it for emergencies. I set up the account for online access, so that I could pay online and not have to worry about sending in checks, etc.

When I first set it up online, you could make your payment at any time the day it was due, and it would still post in time, no late fees. However, they changed this somewhere down the line, with no notification to me the consumer, of course! So, when I logged on one evening to pay that month's bill at around 8pm (when the kids are in bed and I have some me-time to actually sit down and get online and pay bills) I thought nothing of it. I had paid close to 11pm before, with no problem and no late fee.

However, I noticed a week later when I was checking my account online, I had a late payment of $39! I called GE Money Bank about this and asked what the deal was. This is when I was informed that it "states on the website payments made before 5pm EST will post the same day, otherwise they will post the next business day." They were actually nice and refunded the late fee because it had only posted ONE day late and since I didn't know they had changed the guidelines and implemented a cut-off time, they obliged.

A few months down the line, it is now February 2009. Valentine's Day fell on a Saturday this year and coincidentally, that is when my payment was due. I remember thinking that I should pay it Friday in order to make sure it went through, because I wasn't sure what their policy was for weekends. I checked the website, and it did not say anything about weekend payments, so I thought, I'll be safe making this payment the day before.

WRONG. I logged on today -- February 16, which is the Monday after Valentine's Day (Saturday, Feb.14) and I see another whopping $39 late fee -- and GET THIS: It says the day the payment posted was FEBRUARY 15. A SUNDAY.

SO... let me get this straight: You don't process payments after 5pm EST until the next "BUSINESS" day, so that was the justification for charging me a late fee -- since you wouldn't process it on a Saturday because that's not a business day. BUT... Sunday isn't a business day, either... as far as I know, right? EXPLAIN why you can't process it on a Saturday (even though I made the payment a day before it was due) so I won't get a late fee, but you can miraculously process it on a SUNDAY.

Again, I called GE Money Bank customer service about this, and after hemming with some Indian guy that doesn't even SPEAK ENGLISH, I asked to be transferred to a supervisor. The next person I talked to was actually American... and get this... "Because you have already had a late fee refunded, I can't do anything for you on this one."

I closed my effing account right there. I refuse... REFUSE to give GE Money Bank ANY MORE OF MY MONEY.

This is THE WORST customer service and blatant abuse of credit card late fees I have ever been a part of. Not even 24 hours late -- how inconvenienced they must have been in that short hourly time when they CHOSE not to process my payment in order to assess me a late fee that was a mere $3 less than my actual payment. MIGHT AS WELL HAVE NOT MADE THE STINKING PAYMENT!

@(@*&#(*@&#(*@&(*&#$(*#@!!!

BACK IN OCTOBER 08 I ENTERED IN TO A HARDSHIP PROGRAM WITH GE MONEY BANK.WHICH I WAS SUPPOSE TO PAY 3 NOTES OF 1621.00 A MONTH FOR 3 MONTHS TO PAY OFF THE NOTE IN FULL. BUT AFTER I PAID THE SECOND NOTE I LOST MY JOB SO I CALLED THEM TO ASK IF THEY COULD SPLIT THE LAST PAYMENT IN 3 PAYMENTS TO FINISH THE CONTRACT AND GOT THE OK FROM SHAWN A SUPERVISOR. BUT ON JAN. 20TH 09 THEY WITHDRAWED THE WHOLE PAYMENT OUT OF MY ACCT. SO I CALLED THEM AND THEY PUT IT BACK IN BUT ON THE 26TH THEY DREW IT OUT AGAIN I WAS UNAWARE OF THIS SO I STARTED PAYING OTHER BILLS. THEY CAUSE ENOUGH OVER DRAFTS TO TOTAL 2500.00. SO THEY TOLD ME TO SEND THE BANK STATEMENT AND THEY WOULD REIMBURSE ME EVERYTHING. THIS HAS NOT HAPPEN. TIMES ARE HARD WITHOUT A COMPANY TAKING ADVANTAGE AND STEEL YOUR MONEY FROM YOU.HOW CAN A COMPANY LIKE THIS BE ALLOWED TO STAY IN BUSSINESS. BETTER BUSSINESS HAS LOGGED OVER 6000 COMPLAINTS AGAINST THIS COMPANY. CAN SOMEONE HELP I NEED MY 2500.00 BACK. NOW I CAN'T EVEN USE MY BANK ACCT I HAVE TO MAKE MONEY ORDERS FOR EVERYTHING --HELP GETTING READY TO LOSE EVERYTHING