• Report: #966572

Complaint Review: G E Care Credit

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  • Submitted: Thu, November 08, 2012
  • Updated: Thu, November 15, 2012

  • Reported By: jan — Richmond Virginia United States of America
G E Care Credit
P.O.Box 960061,Orlando,Florida 32896 Orlando, Florida United States of America

G E Care Credit Care Credit Lying, Cheating, Stealing Thieves Orlando, Florida

*UPDATE Employee: We would like to help

*Consumer Comment: Open Ended Account

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11/8/2012

Oh, how I wish I had the money to pay these people off right now. Technically, they have already been paid more than what I owe however they do NOT play by the rules!  I was charged a late fee months ago even though I proved the payment was made on time and they would not remove it. They also increased my interest rate from romotional 3.9% two months after I started using this line of credit to pay off my son's wisdom teeth removal by saying it was not pocessed in time. Well, who's fault is that?  I paid using Bill Pay via my bank 12 days before bill was due.  After that, I have been paying the bill on the 1st of the month even though it is ot due until the 28th.  After speaking with a representaive today, then a supervisor who told me I had to wait until AFTER the 5th OF EACH MONTH to pay b/c that is the billing cycle. WHAT???  So I am being penalized each month by paying my bill early!!  Is this illegal???? IT HAS to be!!!!!  My bill would have been paid off over a year ago, but b/c they keep adding interest, accrued interest, late fees, I am losing money each month by trying to pay early while maintaining good credit.  They have ruined my credit!!  Tomorrow, a call to the State Corporation Commission and a lawyer!  THIS HAS TO BE ILLEGAL!!!!!  And if you could only have heard how I was talked to...sure wish I had a way to record the calls!  Kiss my butt GE,GM,Care Credit,etc!   I will see you in court and I will make it a point that EVERY dental office and ALL my friends and the some know what a RIPOFF company you are!

This report was posted on Ripoff Report on 11/08/2012 04:24 PM and is a permanent record located here: http://www.ripoffreport.com/r/G-E-Care-Credit/Orlando-Florida-32896/G-E-Care-Credit-Care-Credit-Lying-Cheating-Stealing-Thieves-Orlando-Florida-966572. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

We would like to help

AUTHOR: GECapital - (United States of America)

**To expedite a response, please provide Reference code DM 111512_ror_jan**
 
Im sorry you have experienced issues with your GE Capital Retail Bank account.  We would like to try and resolve your concerns.  Please email me at gecapitalcares@ge.com with the following information:
 
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
 
For your security, please do not include your account number in your email.
 
Regards,
Nicole
GE Capital
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#2 Consumer Comment

Open Ended Account

AUTHOR: Robert - (U.S.A.)

So I am being penalized each month by paying my bill early!!  Is this illegal???? IT HAS to be!!!!!
- Actually there is a legal issue here, but not one you are going to like.  By law with an open ended account(which is what this credit is) a creditor must apply the payment to the same billing period it was received in.

Because your cycle beings on the 5th of every month, any payment received before the 5th MUST by law be applied to the previous billing cycle.  In fact if they "held" your payment for that extra few days they would be in serious trouble with the FTC.

Since your statement closes on the 5th, your due date is probably somewhere around the 26th of every month.  You didn't make a payment on that current billing cycle by the due date you are charged a late fee.  Again totally legal and in the terms of every credit card.

Now, you have access to your statements every month, by you reviewing your statement(which you should be doing as a rule anyways) you would have seen this the first month it happened and realized you still needed to make another payment for the CURRENT cycle by the due date.  Now if you did in fact read the statement and just "thought" that your payment counted...well you were unfortunately wrong.  And even if you beg them on hand and knee they can not just move the date your payment was applied.

Good luck with your call to the State and the lawyers.  But if any lawyer tells you anything different and says they will take your case.  If they ask for even a dime up front be prepared to truly get Ripped Off.
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