I have the unfortunate experience of being under the nazi tactics of GEMB.All of my payments were made on time and perfectly documented, although shortly after I received a bill two months later for a $30.00 dollar late fee upon which I called and asked why? There reply was,"There has been a mistake we apologize!!!, which is the only time that I have heard that!

After a documented 100+ phone calls,numerous letters,having my life put on hold,IT STILL REMAINS ON ALL THREE MAJORS CREDIT REPORTS AS OF 11/20/07. I have over a dozen letters from GEMB stating that it was there mistake and they have sent notice to me a the credit agencies but still after close to a year it still remains on there. I have realized why there are now multiple credit inquiries resulting in failure do to there f**kup not mine. DO YOURSELF A GIANT FAVOR, IF ANYONE IN ASK YOU IF YOU WOULD LIKE TO APPLY FOR A CREDIT CARD AND WE WILL TAKE 15% OF THE PURCHASE PRICE, ASK THEM IF IT IS GEMB? AND IF IT IS TELL THEM TO STICK IT DEAD IN THERE MOTHERS A*S! THEY NEVER TELL THE PUBLIC WHY SOMEONE WALKS INTO A OFFICE PARK AND STARTS KILLING PEOPLE, HERE IS A PRIME EXAMPLE OF HOW THINGS LIKE THIS HAPPEN AFTER HAVING YOUR CREDIT DESTROYED AND LIFE TURNED UPSIDE DOWN BECAUSE OF SOME MINIMUM WAGE ROBOT WHO CAN'T THINK OUTSIDE THE BOX.

THERE CUSTOMER SERVICE IS HANDS DOWN THE WORST I HAVE EVER DEALT WITH, THE END RESULT IS THAT THEY SAID THEY HAVE DONE EVERYTHING THAT THEY CAN DO AND IT'S UP TO ME TO FOLLOW UP WITH THE AGENCIES TO FIX THERE DOCUMENTED FU**UP!!! 11/20/07