insurance of 2000 dollars now i owe over 3, 664 thank to care credit training program they keep going to my files with more collection and i cant get a credit card anywhere.

WARNING: If you have credit through GE Money Bank, do your best to close this account as soon as you can. They will find a way to mess up your account and make your life miserable!!! I apologize for how long this is but this has been over 9 months of horror.

GE Money Bank, led by Margaret Keane in the USA, has to be the worst case of bigger is NOT better. They handle revolving credit for several retail shops (Lowe's, Wal-Mart, Sams etc) as well as their own branded credit. This company out sources their collection operations to India and to a company called Allied Interstate. There are certain things that can be outsourced but customer service is NOT one of them. Apparently this company is so large that there are no clear lines of communication and no one take responsibility for their actions or cares. I have spoken to over 15 people at this organization and its affiliates and each time I either get transferred, disconnected, told to call another number or told that the issues has been resolved.

Over the past 9 months I have been harassed by this company and it affiliates for an issue they caused internally. I made my payment in full on a Lowe's credit card. However, I inadvertently made it to an old account number. Once I discovered this, after several messages from their India operations, I called and explained what happened, the rep transferred the payment to my active account and it was resolved...or so I thought. 15 days later, I get a call from the US customer service asking about the balance. I rehash the whole thing and they tell me it has been resolved. 30 days later, I receive a check in the mail for the amount I had paid!! 10 or so days later I receive another check for the interest that had accrued on my account! I could not understand what was going on. In May, I called the US operations again, rehashed the whole thing and was assured this time it was resolved. Today, October 20, 2010 began the 3rd round of calls from collections in India (called incessantly until I finally gave up and answered...this should be ILLEGAL!) After demanding to speak to someone who spoke English, they concluded they could not help me (as has happened 3 times before) and gave me another number to call. When I called that number I go customer service in the USA. After looking at my account they told me they could not help me and gave me yet another number to call. The third number is for Allied Interstate, quite possible the WORST customer service group around. They would not tell me where they were so I could file a better business complaint. When I gave the rep my info, he said, sorry we called, we have it documented to not call you. Please give us 24 hours to get it out of your system. Never did he try to resolve the issue!!! I called back to customer service in the US (Atlanta, GA) and spent 45 minutes as the supervisor reviewed my account. He was dumbfounded by what was going on but kept saying "we did this and we did that" and my response was "exactly, you did it now you fix it". This was the 3rd time I have been through it.

I did not choose to do business with this company. Lowe's sold their credit card portfolio to GE Money Bank, a company I will never do business with. GE Money Bank obviously put profits before customer satisfaction. They outsource many critical aspects of their business in order to cut costs, however the result is incompetent, unreliable results that in the end cause them more $ to resolve!! This is an example of a USA company that should be employing US citizens to do this work.

As it stands today, October 20, 2010, I have been assured (for the 3rd time - the first was on March 31, 2010, the second was on May 15th 2010) that the issue has been resolved. I will wait and see. In the mean time I will continue to write about my horrible experience with this behemoth of a company!

These thieves and idiots administer financial services and credit card services for retailers and consumers; they do not bear the direct blame and responsibility for putting into practice policies and procedures for which they have been directed by their clients, the businesses themselves. The DO, however, have the responsibility to rectify wrongs in billing and collection policies, and in perhaps unethically changing terms of service and practices with their customers, the businesses for whom they are clients, and the consumers and clients who equally are as important, whose payments allow GE Money Bank to be in business in the first place. MY experience is two-fold: 1)They pass-the-buck and responsibility when burden and agreement is made with inept unqualified phone reps who cannot perform a simple task such as crediting my account, not-calling me every day despite NO current fees or amounts owed - I simply call block them or when told by their rep they are recording this and trying to collect and I agree to know the call is recorded I reply by saying they agree to the upcoming verbal abuse from me; 2)the businesses and retailers they represent and service need to be informed the GE Money Bank often (by hiring substandard employees) hurt their business ultimately because they should be contracting (and contacting GE Money Bank) they expect FLEXIBILITY and COURTESY with clients/consumers who are trying to pay or adjust a bill or amount due. A lot of it is miscommunication. Simply fire the administrators and CEOs of GE Money Bank and get people-oriented persons in leadership; simply tell your retailers and businesses through which one has a GE Money Bank contract for goods or services that their contract with GE Money Bank should be terminated due to violation of consumer protection laws and unethical/illegal behaviors by employees of GE Money Bank. GE Money Bank can help many people not HURT them, simply by have pleasant legal guidelines and people-oriented business and employee behavioral conduct and practices. Revising (firing, with no benefits or unemployment) their employees from the administration to the non-administrative employees will allow GE Money Bank to receive more compliance and cooperation from the consumers, and allow for benefits to increase to the businesses and companies they represent in financing purchases and services.

I recived a letter stating that I had applyed for credit, I which had never applyed for credit with GE Money Bank Nor Pay Pal. I think that you have a alowed a fraud appliction with my personal information to be processed. I am look for some answer!

GE Money Bank of GA.They are a very bad bank, I have a loan with them and have watched my principle go up! They will wait till the very last day possable before your late to post your payments, So the daily intrest raises my balance. My payments are due the 11th of every month and my payment will not post till the 25th or even later. I have fought with them for the last time after 3 loyal years of payments. I find it almost insane that a 95.00 payment is the greatest hell in my life, my damn electric bill is more than that and yet pay it every month hassel free. I hope this bank rots in hell.