GEMB (GE Money Bank) Ripping off credit card holders who are aged and disabled. Cannot understand foreign customer service reps. Orlando Florida

I am guardian over my mother's account. I have all cancelled checks showing where I paid in full her account. I advised a customer service rep that I could understand on August 12, 2008 that by the time mom's bill gets to her address and is then re routed to me from the post office I have only one week to pay the bill. The woman said she understood and would take off the late fees. My mother is disabled and in a nursing home, so I am paying her bills the best that I can. I have proof of paying the final 4 payments, and wrote on the last check that this is paid in full. It was cashed. Now the company wants to charge me $490 in finance charges, late fees, etc. because those last 4 payments were a couple of days late. I had explained this and called to get it straightened out again, but I cannot understand the foreign reps. and when I asked for a superior, it sounded like the same man with a new name! I give up. They also turned this over to a collections agency called ENCORE within one month of the first bill showing the finance charges. I will not pay this, and I see that there are LOTS of complaints against them. My mother has nothing, so they can take that from her.

Pam
Uhrichsville, Ohio
U.S.A.