I was never sent a statement so by the time i realize it, i was in collections and my amount was over $400, then i lost my 6 months no-finance charge, and now they refuse to get it back for me because "it was my responsibility to question their bad sense of communications" with their customers. I don't have time to sit on my ass and wonder where the fuck my statement is. It is their responsibility to get me my bill to me, and if they keep getting returned mail, why the hell didn't someone call? they got my mail to me the first time with an intro letter. I say this is FRAUD. they're trying to get me to pay more.

Please help or advise.
I have had a account with GE Moneybank for over 3 years now, with just 1 late payment{ when we had to move into a hotel due to a house fire}.
Every month I pay my bill on the 29th of the month. I did the same for April then noticed I was being charged a late fee.
It turns out that they, for no apparant reason have changed the date to the 27th...I admit I didn't notice but it was not easy to spot.
Also they have put my interest up to 26.99%, with daily interest my balance is going up daily.
I called them and had to hold for a ''escilation specialist '' for 45 mins. The man I spoke to was VERY unhelpful, he could not give me a reason for the date change and refused point blank to remove it.
I am at my wits end, I feel my only option is to stop paying.
Any advice would be greatly welcome.

I have used Care Credit (GE Moneybank) account for about 4 years for dental work (I am on diaability and have no dental insurance) - they gave me a limit of $1000 to get dental work done. For the first two years, I had no problem with them (paid off one round of dental work and was paying on another, along with having eye exam/eyeglasses) This account had a special interest deferred rate, and had approx. only $236 on dental and $604 on eye charges to pay at the beginning of 2008.
I am on disability and receive it on 3rd Wed of month. I noticed a problem in early 2008 with my due date (around 10th of month) when I usually get paid on 15th-20th of month - I called to see if I could change the date to the any date between the 15th-20th, so I would not be late on my payment that next month, and was told I could not change my payment date. I subsequently was late on the payment (only by several days) and was charged a late fee. When I was sent the next bill (also, please note: did not always receive the bill in a timely manner/ sometimes not at all/company took very long to process the bill - credit my account), so I had to resort to paying it online.

My main complaint is that they still kept saying on the bill that my payment due was only around $35-$47 (even though they were charging me $39 late fee each month/about $32 interest and when I got to the $1, 000 limit - $30 overlimit fee). Each month they would say this same amount, never addressing I needed to also pay the extra overlimit/late and fiance charges to be current and not be charged again next month for these same fees again. Beng on a limited income, I was paying the minimum amount they were requesting - about $35-$47 a month (up to $90 a month). I thought I was reducing my debt, but i noted last few months, it seemed to be going up (as of today - 3/19/09 - my balance should have been only $836 balance, it is now $1, 332 because of their fees). Since March 2008, I have paid them over $600 that has only basically gone to fees/interest and not towards their balance, and my balance due has actually increased by almost $500 - to a balance due of $1, 332.
My main complaint is that when I started being charge a late fee ($39) the first month, THEY DID NOT CHANGE THE AMOUNT DUE TH NEXT MONTH SO I COULD TELL WHAT I NEEDED TO PAY TO BE CURRENT (their bill to me each month is about 4 pages long, even when you have not charged on it, so to try to ascertain what they are doing to your account takes some research). So when I paid them the monthly payment amount they had requested, I was not paying down my balance, I was in fact acrueing a higher balance or amount owed to them. Being unaware of this, I hit the overlimit amount in a few months (and then was also charged an additional $30/month fee), and on top of $30 late fee, and also found out that my interest rate also went up because I was overlimit (ex: 0/18/2009 charges - $30 overlimit fee, $39 late fee, $32.35 interest - minimum payment requested: $47).
Also, I believe that in the past 1-2 years, I should have at received one letter stating what my situation was (incurring more charges than what I wasy paying each month), what I needed to do to rectify the situation, which included: the overlimit amount, how much they were charging each month in extra fees and finance charges, and how I can get my account current and be able to pay the balance down. Instead, I feel they were "hiding" this situation from me because as I stated, they got $600 in "free money" from me and at tyher same time, increased what I owed them by $500.
It took me a while to research this problem on their online site, but to understand what exactly they were doing, I had to call their rep. (taking at least 15 min. to get a physical person to talk to). After some discussion, I was dismayed to conclude that this has gone on since early 2008, and even though I paid the minimum amount each month that they requested; that the $600 I have paid them since 3/23/08 (payment history online only goes back to this date) has basically gone to fees and nothing has gone towards balance and that I even I owe them $500 more).
I explained I had tried to change the due date each month when I started having a problem two years ago with it and was told I couldn't.
Miraculously, today, I was told they could do now change my payment date to the end of the month (30th) and did so today, when they wouldn't even consider moving it even 5 days later 2 years ago.
I then asked the rep. if they could defer any of the interest/late/overlimit fees, especially since they would not let me change my due date to remedy this sitation 2 years ago; was never notified at any time by letter about this sitation and my increasing balance due; my statment for two years never changed the minumum amount due to show me how much I need to pay to rectify the situation; and even the website has no clear way to ascertain this. I also explained I am on a very fixed income (disability) and in these economic times, maybe they might be able to help me. I was told the only way I could stop the overlimit charges is to pay the $332 amount it is now overlimit, plus the minimum due this month ($47), then I will stop incurring the fees. She did reduce my interest rate down to 10% though.
I am very disappointed with this company, the omission/deception of not telling the customer what they beed to pay to be current (so they can make as much prift from you by charging exorbinant fees), the inflexibility to help alleviate the situation and understand that most people can not pay that amount. I, at most, will take at least 3 mos. of $150 a month to be current, and this is an incredible hardship.
In turn, I will close this acoount when it is paid and all accounts I have that have a relationship with GE Moneybank, and never do businees with them again (and not recommend them to anyone).

I got suckered by Lenscrafters into using ge moneybank. Ge money bank is as crooked as they can be. I started with a $327. charge made payments for a year and now owe $358. I recieved bill in mail last week, same day I get a phone call from ge moneybank from India stating I am behind in payments and am being charged $29. late fee. The only way I can stop late fee is to make a payment over the phone with my credit card. I never give my credit card out to someone I do not know and did not call. They continue to call me 3 to 4 times a day. The big problem is that they dont speak intelligable english and dont understand english. I have not been late on any payment and have 8 credit cards with a total balance of under $3000. I am not sure what I am going to do with this problem but would not advise any one to ever have anything to do with GE. They are in financial trouble already by there unsrupulous operations. Gene

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