In November of 2008, I agreed to have GE Money finance a new air conditioner for my condominium. The agreement was to pay six months with no interest charges. Once I received an actual credit card, I cut up this card and disposed of it since the purpose of having this account was to only pay off my air conditioner and not use it for future purchases. I was also given the option to make "paper-less" payments via online and I made monthly payments via their web site.

Once the six months of free interest expired, I wanted to transfer the remaining balance to another card. In order to do so, I need the GE account number. I never noticed before, but my online statement does not provide my actual account number except for the last 4 digits. I called a representative to help me get my account number, however, I was told that my number cannot be given to me over the phone so I was told that I would receive a new card. I believe I made that initial contact around June 15. When I called about a week later to let them know I hadn't received it, a representative decided to cancel this account number, shut down access to my account, and send me a new card with a new account number altogether. I remember then calling yet again because a payment was coming up and I was wondering how I was going to make a payment without any access to my new account. A representative did take a payment from me over the phone and did not charge me a telephone fee due to my unusual circumstance.

On July 2, I made, what I thought would be a final plea and asked to speak with a supervisor. This supervisor told me that she had no record of having a card sent to me prior to June 26. I told her that I had called GE a week prior to the 26 and she accused me, and I quote, of "exaggerating". I was incensed by her lack of sensitivity and I ended this conversation promptly. I decided to call again and make yet another attempt by speaking to another representative. I spoke with a representative by the name of "Michelle" and I was told that I would receive this new card no later than July 7. Today, Thursday, July 9, I have yet to receive this new card because I just spoke with a supervisor by the name of "Lillian" and now she tells me that a card for this cannot be issued anyway. After all of my phone calls to different GE Money representatives, I come to find this out today! GE never sent me any letters or made any attempt to contact me and let me know that an actual card could not be issued--even though I did receive one back in November. I have never heard of such a thing, but nevertheless, I told her that all I want is access to my account number so I can transfer the remaining balance to another account, which I have every right to do so. I let her know that GE cannot force me to be its customer and I demanded that my account be closed today. According to Lillian, she did say that my account would be closed today and that I would receive a letter in the mail with my account number printed. I have already filed a complaint with the BBB and to please be my advocate so I can receive my account number and have this matter settled. It's absolutely disgraceful and vile how, I once believed, such a reputable company can engage in such corrupt business practices.

Payments submitted for late fees were not being applied to the late fee charges. According to the Billng Rights Summary, the consumer has to call and request allocation of payments to the late fee charges. My Jan 09 statement had a $58.27 purchase charge for late fees. I called and had an allocation for this payment applied to these charges. The following mos after that, charges appeared, customer service said they were handling it. Today, June 17, 2009 @ 6:40 p.m., a very rude young lady from the Dispute Dept talked to me as if I was a dog off the street, and I am 61 years old. She told me she couldn't see my information from Jan 09 on her screen, and no where in the statement of summary is she required to answer any of my questions. She continued to interrupt me and I continued to answer her back, she would not stop talking and then hung up in my face stating she wasn't going to argue with me.

I HAVE BEEN MAKING MY PAYMENTS PLUS MORE...THEN GET THIS MONTHS BILL & THEY ADDED ANOTHER 777.00 IN DEFERRED FINACE...IF I WOULD OF KNOWN THAT I WOULD OF PAYED THE WHOLE 940.00 OFF...TO AVIOD PAYNG SO MUCH MORE ..IT WAS FOR MY HUSBAND TO SEE CHIROPRATER...WHICE HE DIDNT EVEN GO MOST OF THE TIME...BUT HE SIGNED UP FOR CREDIT CARE AT 29.9 INTREST...WHICE HE HAD NO CLUE...ALSO THEY USED HIS MOTHER CREIDT AND THEY PUT HER ON THE BILLS AS THE PRIMARY..AND SHE HAD NO IDEA THAT THEY DID THAT...I THINK THEY ARE RIPPNG PEOPLE OFF BAD..AND ITS NOT RIGHT..NOW THE BILL WENT UP AT LEAST DOUBLE..DEAR GOD WHAT NEXT..ITS HARD ENOUGH THESE TO EVEN LIVE..AND THEY WANT MORE MONEY THAN MY HUSBAND EVEN SEEN THE DOCTOR...THIS IS WRONG AND THEY SHOULD BE STOPPED FROM TAKING PEOPLES MONEY FOR SEVICES THEY NEVER RECIVED...IT VERY UPSETTING TO ME TO THINK THESE PEOPLE CAN DRAIN YOU OF MONEY YOU NEED TO PAY FOR YOUR KIDS AND OTHER NEED IN LIFE..SO I DONT KNOW WHAT TO DO..IF MY HUSBANDS MOTHER WASNT ON THERE I WOULD PAY THEM THEM REMAINING BALC.OF 704.00...AND BE DONE WITH THEM...AND WILL IT BE ANOTHER 700.00 A MONTH..I HOPE NOT BUT I GUESS I WILL HAVE TO WAIT AND SEE..THIS IS JUST SO MINDBLOWING THAT THEY CAN DO THAT..AND HOW DID THEY GET AWAY WITH GETTING HES MOTHER ON THE LOAN..SHE HAD NO CLUE..PLEASE KEEP ME INFORMED...

I SEND TWO MONEY ORDERS IN THE SAME ENVELOPE. ONE FOR $500.00, AND THE SECOND ONE WAS FOR $200.00. ONLY ONE MONEY ORDER WAS RECEIVED ON APRIL 1, 2009. IT IS UNBELIEVABLE, IMPOSSIBLE, AND INCREDIBLE THAT GE MONEY RECEIVED ONLY ONE MONEY ORDER. GE MONEY IS CHARGING ME STILL $500.00 DOLLARS. WHERE IS THE $500.00 DOLLAR MONEY ORDER IF IT WAS IN THE SAME ENVELOPE. HOW CAN THIS BE, I DON'T UNDERSTAND.

GE Money has lowered the credit limits on all 4 of my good accounts with them; they also cancelled one fully paid up account that I used for repairs to my home. They claim it was due to a review of my credit report, which until they upped the "good" credit numbers, was fairly good. This damaged my credit score and report because they lowered my credit limits to the current balance amount, so that rather than being at a reduced debt:limit percentage, I am now at maximum. I am told there is nothing I can do about it. I would happily join a class action suit for arbitrarily damaging my credit.