Complaint Review: GE CAPITAL RETAIL BANK - Orlando Florida
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- Author Not Confirmed
- GE CAPITAL RETAIL BANK GE CAPITAL RETAIL BANK Orlando, Florida USA
- Phone: 1-866-571-3012
- Web: www.gcrb.com
- Category: Banks
GE CAPITAL RETAIL BANK unfair deceptive invasive unprofessional consent Orlando Florida
*Consumer Comment: What you believe is wrong...
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2014-06-14
Ge Capital Retail Bank; You must be aware of this companies practices!
This bank carries the credit card accounts for many stores and or services, Walmart and Pay Pal being two of them.
The reason I chose these two is because they are the two that GCRB have chosen to initiate negative action on without my consent! I believe this practice to be a crime against my privacy.
GCRB took the liberty of, (unknown to me the consumer) of looking into my credit history, then upon viewing it decided to lower my credit limit on the 2 previous accounts I have mentioned.
I may not have perfect credit, but I must say I was making every scheduled payment, even more on the accounts effected.
My question is why would GCRB decide to retrieve my credit report after all these years? Without my consent (illegally disreguarding my privacy). Especially since these accounts are up to date!
GCRB explained that the information they recieved was from Transunion Consumer Relations, whom I have not been able to get my credit report from, for many years I have been able to get my annual credit reports now I cannot.
Financial Institutions such as GERB have no reguard for thier customers. We are just pawns on thier chess board that can be manipulated, (illegally) with no recourse and they take what's left of our dignity and control of our privacy and stomp on it til it no longer exists!!!
It is sooo true the rich do get richer and the other classes just donot exist at all so who cares!!!
This report was posted on Ripoff Report on 06/14/2014 07:07 AM and is a permanent record located here: https://www.ripoffreport.com/reports/ge-capital-retail-bank/orlando-florida-32896/ge-capital-retail-bank-unfair-deceptive-invasive-unprofessional-consent-orlando-florida-1154773. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1 Consumer Comment
What you believe is wrong...
AUTHOR: Robert - ()
SUBMITTED: Monday, June 16, 2014
The reason I chose these two is because they are the two that GCRB have chosen to initiate negative action on without my consent! I believe this practice to be a crime against my privacy.
It is time to get a refund on your "Sub Prime Borrower's guide to what they think Credit should be" subscription because you are getting way too much misinformation.
Here are a few facts...
GE is a Sub-Prime lender, who caters to people who have had credit issues and therefore can not get a "real" credit card.
You also have to know what a credit line is. It is NOT your money, it is the amount of money a company is willing to let you borrow at any given time on the promise that you will pay it back per their terms. This is how every credit card and loan works. You have failed to do this with all of your creditors in the past, and is why you are with a Sub-Prime credit card.
Now, when you applied for the card YOU agreed to allow them to review your credit report AT ANY TIME for a periodic credit review. This has two purposes and is 100% LEGAL. Purpose one, to see if you qualify for a higher credit line. And I can guarantee you that had you been approved for a higher credit limit, you would not be here complaining, you would be here saying "what am I going to buy". Now, the second purpose is to see if your credit worthyness has changed to the point where they are no longer willing to risk the amount on you. In your case your history with the other cards made them decide to no longer allow you to use as much of their money as they once did. You are "lucky"(if you can call it that) as they also could have closed your card outright, requiring you to pay off what you owe.
And again...this is how EVERY credit card works and something YOU agreed to when you opened the account.
We are just pawns on thier chess board that can be manipulated, (illegally) with no recourse and they take what's left of our dignity and control of our privacy and stomp on it til it no longer exists!!!
- You have recourse. If you don't like the terms of the card then DON'T USE THE CARD. Simple...
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