Disputes Department
GE moneybank
PO Box 981127
El Paso, TX 7998-1127

Re Account CareCredit xxxx xxxx xxxx xxxx


GE failed to send correct statements so the bill could be paid completely within the promotional period. Then, they applied all payments to interest, nothing to principal, thus the account balance grows larger, despite on-time monthly payments.

On 5/27/2010 I called for the payoff date and amount for the promotional period. They claimed I was not listed on the account, so my wife called and corrected their records. I called on 5/31/2010 and again requested payoff information. The date provided by GE customer service for the expiration of the promotional was 04/10/2010.
I again requested copies of the transaction history for this account – the response was that it would take 30 days. It never arrived.

In response to several letters to their dispute department, I never received a response.

On 4/7/2011 I called and was twice disconnected by your CSRs. I requested the payoff amount and date for the new promotional period. The CSR could not provide the correct amount due, minus finance charges, nor provide confirmation of the total amount paid. I again requested a complete register of charges and payments The CSR indicated that it would be sent to me by 4/30/2011. As of 5/3 nothing arrived. Icalled again - Chanda in S.DAKOTA was unable to check that info is sent, and will not provide a name and telephone number for me to call.

GE continues to add on finance charges during this period. On 5/3 I called again. This time the supervisor offered to resend the account billing information, but could not follow up to ensure it will be received by me, nor do they have a contact name or address/telephone number for me follow up with.

0n 5/23/2011 I was twice disconnected by Phillippines CSR’s, and finally spoke with TEMPE, AZ Janine, who was to transfer me to an account manager. Finally, after of more than 60 minutes on the telephone, I spoke with S. DAKOTA Marie 800-250-5411 8698.69. She agreed to waive the 2011 finance charges but only showed total payments of $3, 175.00 (when actual total payments equal $6, 014.00).
Therefore she showed a balance due of $ 6825 which I agreed to pay on 5/23/2011 to close this account. Since actual payments equal $ 6014, the actual balance due was $3986.00. Your company should have charged me $3986.00; however your company has overcharged me $2839.00.
Correct information In-Correct information
Total Due 10000.00 10000.00
Total Paid $6, 014.00 3175.00
Payment 5/23/11 6825.00 6825.00
Grand Total $12, 839.00 $10, 000.00
Amount Overpaid $2, 839.00

Again, I called today and was disconnected when speaking with Jessica in INDIA, but was finally able to get through to Alicia in INDIA, Stephanie in OHIO, and Amanda in S.DAKOTA . None could resolve this overcharge, nor provide a name for me to address my complaint to.

I requested that they send my refund immediately by return electronic transaction or certified check and confirm that this account is paid in full, and now has a zero balance.