ON 01/04/10 I PAID THE BAL OF 695.10 ON MY ACCT SO THAT I WOULDN'T OWE PROMOTIONAL FEES. I HAD ALREADY PAID 6, 000 TWO DAYS PRIOR TO THAT. THE COMPANY IS NOW TELLING ME MY ROUTING NUMBER FOR THE BANK WAS INCORRECT. THE ACCT NUMBER WAS RIGHT BUT NOT THE RTG. THE RTG NUMBER BELONGED TO THE ACCT I USED TO PAY THE 6, 000. WHEN I SUBMITTED THE PMT ONLINE, THE PAYMENT TOOK AND SHOWED AS BEING PROCESSED. I RECEIVED NO MESSAGE STATING THAT THERE WAS WAS AN ERROR. THEY ALSO HAVE MY EMAIL ADDRESS, NO ONE CONTACTED ME ASKING FOR THE CORRECT INFORMATION. BUT THEY WERE SURE TO TACT ON A 39.99 FEE FOR RETURNED CHECK AND A 390.00 FEE FOR PROMOTIONAL FEES NOT PAID BY 01/04/10. IT WAS AN HONEST ERROR AND I HAD ALREADY PAID 6, 000 . MY ACCOUNT WAS IN GOOD STANDING. I HAD NEVER GIVEN THEM A BAD CHECK. WHAT HAS HAPPENED TO GOOD CUSTOMER SERVICE. THE CUSTOMER SERVICE AGENT TOLD ME IT MY MISTAKE AND NOTHING COULD BE DONE. THIS MAKES MAKES ME TOTALLY SICK. THE REALLY SAD THING IS THAT I'M AT THEIR MERCY. I WILL NEVER DO BUSINESS WITH THEM AGAIN!!!

We financed a bedroom set through GE Money, we were told we had to go through them from our retailer. We were given a 3yr, no interest promotion. We financed $2, 500.56.

We ran into issues with their online payment program. My wife attempted to make an online payment, and we would receive a confirmation number for our online payment. We were given no notice that there were issues with the checking account we gave. We just get the next statement showing a late fee and a returned check fee. We try again online per the customer representative we spoke to, got a confirmation number, but again the same treatment. I called to dispute the fees because there was some confusion with the checking account number we processed. However, we successfully processed our checking account number, and would receive confirmation numbers for our payment request. I told them that it was clear we were attempting to make payments on time, and that we wanted to have the late and returned check fees credited. They did that, and we went forward with just mailing checks. Everything was current and consistent on a monthly basis.

We just received our latest statement. We were being advised (no prior notice) that our promotion was being terminated and finance charges of $363.60 were included in the latest statement. I called to find out why, and the manager I spoke to said it was because we had a couple of late payments throughout the history of our account. I explained that there was confusion with their online payment system and we called consistently every month, and everything was taken care of in September. All the "manager" could tell me over and over again was that the termination is valid and she could not change it back (her name is Amanda). Amanda claims we received a mailing in September, warning us our promotion would be terminated. We never received such a mailing nor did anything like this show up in our September statement. Also, we never received an email from them or a phone call from them advising this.

In summary, we thought everything was corrected with the online payment issues and confusion, and GE Money has made a backhanded decision, so they can squeeze money out of us. It is the most disgraceful example of customer treatment I have ever had to experience.

It was only $82.00 but to all of you out there trying to manage your debt, stay away from this company. To begin with their late fee on anything over $250.00 is $39.99; one penny shy of $40.00!

Be sure you understand that even though they say interest free that does not mean that you don't have to make a payment. I did make payments on their online services site. I owed $1291.92 and divided what I owed into three payments which I made monthly within the 90 day period. Funny thing is, though that the last payment never showed as being made. Because I made the first two without any problem, I failed to make a copy of the last one. Shame on me I guess, but I got a call about a week after it was due telling me that I had not made the payment. and that I then owed the $39.99 late fee and interest on the ENTIRE $1291.92. And I thought I had done everything right. I know I made that payment, and am going to try and get one of our office IT people to see if there is a way to retrieve the screen to prove it. THe whole experience feels like I have been a victim of a scam, like I have been slimed, really.

Just be careful out there, this is not my first experience where a credit card company has lied. When I used to have a mileage plus account with VISA, they would continually tell me that my check would not arrive in time even though I would have mailed it over a week in advance and it only went from CA to NV. Apparently I was not the only person to have had this experience because a class action suit was brought against VISA for this very thing.

DON"T USE CREDIT CARDS UNLESS YOU ABSOLUTELY HAVE TO.

This company lied to me on setting up a loan for siding on my house. The compnay Percision Siding set up the loan and told me that the loan was a fixed one for 5 yrs at 9.99%. The loan will not go up unless the payment was 30 days pass due. There has never been a late payment pass 30 days. Two at 2-3 days late due to mail system. I have gone through all of the channels and my final results is sorry that I have to deal with the original company. This is BS, GE set up the account and now are lieing about the requirements. My rates have jumped to 29.99% and late fees fluxuate up and down. I am going to make it my business to spread any way I can, to alert people to this BS company--internet, tweetier, facebook whatever way works.

Tom Zeigler
box 754 Lolo Mt. 59847

GE Money calls our house 20X per day looking for someone who DOES NOT live here! The kicker is, they speak in spanish right off the bat! & we only speak ENGLISH!!! I've yelled "speak english" and sometimes they speak broken english and I explain theat the person does NOT live here and please remove the number! But the calls continue... HELP!!!