And another consumer bites the dust thanks to GE Money Bank! So my case is actually PayPal Buyer Credit, which is furnished be GE Money Bank. I guess if you put two crooks together, you're going to get ripped off, and maybe I should have known better, but I didn't yet. You guys should love this one.
On 10-25-08 I mailed a payment to GE Money Bank on the Paypal Buyer Credit Account I had coming due. On 10/28/08 they reeive the payment, they post the payment, everything is good...the payment was even a couple weeks early. The next month comes, I make another payment, December comes, I make another payment. I go home on December 29th and see what appeared to be my statement from the above named bank, I open it up, and it is actually a letter stating that they never actually recieved the payment from me on 10/28/08, and they posted it in error, so they have now charged my account for the amount of the payment I made to them. Now my balance is higher than it was before I made my payment!
So I send them proof of the payment being made to them (copy of the money order after it was written out to them and the receipt from the money order, and the online statement that showed the payment being posted) all by certified mail with a letter requesting corrections and contact with me in regards to this error they've made.
By law they must respond to me in writing within 30 days, now it has been 39 days and I have not received a response, nor have they credited my account for my payment. However I did have another payment due yesterday, which I sent by certified mail and they received yesterday, yet thyey have not posted the payment and have charged me a $29.00 late fee! How can they charge me a late fee for receiving a payment on time?????????
When I called in and spoke to a representative, they passed me along to their supervisor who's name was Danielle # 2240 out of Kansas. Danielle tells me that they will not give me credit for my 10/28/08 payment unless I provide proof that they (GE Money Bank/ Paypal Buyer Credit) actually cashed the money order I sent them. She tells me it doesn't matter if they receive the payment or not, only if they cash it! As far as I know if you go to your bank, make a cash deposit, get a receipt for it, and then the teller loses the money that isn't your fault! So why do I have to come up with proof that these people cashed the money order I sent to them????????
Again, a class action suit seems to be a really good idea, and if anyone has any ideas on how to get one going so these people can't continue to steal from us please feel free to contact me at (((email redacted))).
Kendra
Sparks, Nevada
U.S.A.
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