- Report: #868188
Report - Rebuttal - Arbitrate
Complaint Review: GE Capital Retail Bank.
GE Capital Retail Bank.P.O. Box 39, Roswell, GA 30077-0039 Atlanta, Georgia United States of America
GE Capital Retail Bank. GE Capital Retail Bank CardSecurity Denied Insurance claim for unemployment Atlanta, Georgia
*Author of original report: Terms of Agreement
*Consumer Comment: In effect...
*General Comment: ...
*Author of original report: Dear Ken
*UPDATE Employee: We'd like to help
*Consumer Comment: Sorry for your hard times, but, let's see, you admit you didn't read the terms,
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In May of 2011 I unfortunately lost my job through no fault of my own and was able to continue to make monthly payments until November 2011 when my unemployment ran out. I filed a claim for benefits under this optional Debt Relief Program that was offered to me, since I lost my job through no fault of my own.
I completed all the required forms that GE Capital Retail Bank Card Security sent to me and also provided them with proof of my unemployment status and copies of payments as well as copy's of my paycheck stubs from my previous employer.
In mid November I received a letter denying me benefits because I was quote: "Working on a part-time basis. The agreement requires that you be gainfully employed on a full time basis (30 or more hours per week) in a non seasonal occupation when the loss of employment occurs in order to qualify for benefits."
I disputed this with GE Capital and I was told "you should have read the fine print". GE Capital Retail Bank did not ask, nor did they know that I was a part-time wage earner; until I filed for benefits under the policy that was offered. As a part-time wage earner I was good enough to apply for and receive credit with two different retail establishments. I was also good good enough to be charged, and pay the monthly fee's for the added protection in the even that I lost my job though no fault of my own.
I continued this dispute with the Better Business Bureau, and GE Capital Retail Bank stated that as a honored card holder of Walmart that they would refund my all of my payments for their debt relief program to my credit card, however they still continued to charge me for the program, but deny me the use of its benefits. When I spoke to Walmart they stated that they have nothing to do with this and to settle my dispute with GE Capital Retail Bank. I called GE Capital Retail Bank, and they told me that they have nothing to do with the card security program; when I talked to the card security center they told me, oh well sorry.
Since then GE Capital has turned me over to third party collections. I feel that this is possible borderline fraud, and misrepresentation by GE Capital Retail Bank.
Anyone one have input on where I should prceed next? I am thinking about filing complaints with the Attorney Generals office where I live and in Georgia.
This report was posted on Ripoff Report on 04/13/2012 12:06 PM and is a permanent record located here: http://www.ripoffreport.com/r/GE-Capital-Retail-Bank/Atlanta-Georgia-30353-0927/GE-Capital-Retail-Bank-GE-Capital-Retail-Bank-CardSecurity-Denied-Insurance-claim-for-une-868188. 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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