Ge Capital Retail Bank
Reviews and Complaints
www.gecapital.com
Anonymous
Fremont, California
MURDER & RAPE OF THE CONSUMER CONTINUES
I have been reading all the complaints about this bank GE Capital Retail Bank, which deals with Pay Pal & EBAY. Don't waste your time or energy on filing a complaint with the Office of the Comp Controller, Department of Financial Institutions, The Federal Trade Commission, The Department of Justice & especially The Consumer Financial Protection Bureau along with The Better Business Bureau which the companies pay for a good review from the Better Business Bureau no matter what they have done. These government agencies can do nothing about what these EVIL & VILE corporations do because they don't get involved with the facts of any bank or credit card company & the consumer so just what the Helllll are we paying these *** government agencies for they are just taking our money & helping these three corporations with making their billions. The shareholders are just as EVIL & VILE because they want their money & don't care how they get it. The employee's of these three EVIL & VILE corporations are just as guilty because they help the corporations they work for RAPE & MURDER the consumer. The qualifications for working at these EVIL & VILE corporations are you have to be a good liar & have neither brains nor mathematical skills what so ever. If you wait for them to contact you you will die of suffocation so don't waste your breath!
Loss:
$7000
Melaina Xjb
Saint Cloud, Minnesota
GE breached payment cotract
Account number: last 4 digits: 1305Sams club card This is our THIRD attempt to reach GE Capital retail bank in writing, in addition to numerous phone calls made to your call center in an effort to resolve a dispute regarding our account. We have not yet received any correspondence back from your company. Frankly we are exhausted and DISGUTED at how GE Capital Retail Bank has mishandled our account and how they have treated us as customers. However, we will NOT be dismayed or discouraged. We will zealously fight this case till the last until fairness and equity prevails. We will spread the word far and wide of how callous and careless GE Capital Retail bank is and how unfairly you treat your customers. Not to be limited to Facebook, Twitter, all other forms of social media as well as the news media. If it means filing a suit against GE Capital Retail Bank, we are ready to take that on. After all this, it is only fair that the public know greedy, callous and disorganized company that GE is. Again, as I stated this is our THIRD attempt to contact GE in writing so I have attached all the other previous correspondence detailing the facts of the matter to this letter and Iโll just highlight the most pertinent parts in this letterOn or about September 26th, 2012, we entered in to an agreement with GE Capital Retail Bank ( "hereinafter GE") to enroll in a CAP program and pay a reduced minimum payment of $27 per month. At the time of the call, we also agreed to pay $197 to start the program and as consideration for the contract we provided our full Wells Fargo Banking account information and authorized GE Capital Retail to withdraw the initial one time $197 and subsequent $27 each month for 12 months. The authorization was for October 16th 2012. I gave and repeated our account number to the agent and confirmed all the details. We had more than adequate funds in the account to cover the $197 and subsequent $27. On November 19th, much to our surprise, we received a letter form NCO Financial stating that our account had been sent to their office for collections and that we had been removed from the reduced payment program. We started the investigation on what exactly had gone wrong. Initially, after numerous calls, were told that check for the initial $196 had been returned due to insufficient funds. That was grossly false and inaccurate. We contacted out Wells Fargo N.A. bank immediately and they confirmed and reassured us that no check from GE Capital retail bank had been tendered for that amount ( our bank has assured us that they will provide something in writing to attest to the fact that there in fact was sufficient funds in the account and GE never tendered a check for that amount. After rigmarole and misinformation from your agent, one agent we spoke with confirmed that the true issue was a missing or inaccurately recorded check number. We clearly know what our account number is so it must be the case that your agent over the phone recorded an inaccurate account number. In our previous letters, we have asked that we get a copy of the recordings to prove and verify where the error was made- but as I stated earlier, GE has not been so courteous and gracious to communicate back with us- we are not worthy. We have also contacted GE Capital numerous times. am sure your records will reflect all the times we have called in an effort to resolve this dispute. We have asked numerous times to get back on the program because the error was not due to our negligence but GE. GE entered into a binding contract with us and GE has breached that contract by arbitrarily taking us off the program due to your internal error and negligence. Now, our account has been charged off with and notification of a bad debt on our account. We will not settle for this. Our account was charged off unfairly and irresponsibly on GEโs part. We are ready to make good on our debt, like we have on our Wal-Mart account ( see below) Most recently, on April 17th, I spoke to "Fernando" a manager at one of the call centers and he specifically told me that I should have received a response to my letter within 10 days. Again on April 28th, I spoke with Raymond Cline in the Canton Ohio call center and he reiterated that he did not know what there had been no correspondence regarding this dispute. Raymond Cline provided me with the fax number : 186**** **** and advised I put it to the ATTN:CAP to ensure a response. PLEASE NOTE: At the same time, we entered in a similar agreement with GE Capital Retail Bank for our Wal-Mart credit card (last 4 digits account number: 6640) which at the time had a balance of over $1000. The Wal-Mart agreement was for a reduced minimum payment of $20/month. The checks for the Wal-Mart account have all cleared and we are HAPPY AND PROUD that our Wal-Mart account is almost paid off, with measly balance of $87!! Obviously, if you do the math, we paid more than the minimum amount in our agreement. We paid extra lump sums every time we had extra money because we want to be debt free. The same would have been true for Samโs club if GE would just work with us. We are not irresponsible citizens. We fell on hard times earlier last year and last October picked up the pieces and started back on a road to financial health and freedom. Entering into the agreement with GE for our sams card and Wal-Mart card was part of that plan but somehow, our SAMโs account fell through the cracks. we want the bad debt record OFF OUR CREDIT REPORT.!!!!!!!! WE are willing and ready to pay off this card and move on with our lives.
2 comments
Anonymous
Bank Harassment
While on vacation, I did not recieve a statement from Amazon.com store card operated by GE Capital Retail Bank so I missed the payment. The bank charged interest as would be expected. But, they also charged a $25 penalty! OK, so I was *** enough not to read the fine print, but I did not expect that. Then, the automated phone calls began. The phonecall was a recording with a message to call the bank. I did and held on the line for someone to answer until I finally gave up! Then the phone calls continued multiple times a day. Finally, I paid off the bill and cancelled the account. It is unfortunate this happened because I placed a lot of orders with Amazon and appreciated the convenience of the store card. But it definitely was not worth the ordeal! Shoppers beware!
Loss:
$25
Fernande Iqt
Cicero, Illinois
$600.00 payment was not applied to my account.
My name is Vickie Stevens, my email address Stevensvickie25@***.ocm On August 16, 2013, I made a balance transfer of $600.00 from my Chase Freedom Credit Card to my Sam's Club Credit Card through GE Capitol. I called GE capitol@***.888.733.7267 on August 29, 2013 to find out why the payment clearly received by GE Capitol as the detail listed payment received of $600.00 was not posted to my available credit balance on my account. The clerk Samantha told me " your account is new and the $600.00 was placed on hold because it could be a payment fraud". I ask to speak with her supervisor, Dan ID#43535 in Ohio came on the line heard my concern about my money and said sorry there's noting I can do. Your payment was place on hold for 7 days by someone for reasons he was not aware of and if I had a problem with what he is telling I could take it up with Sam's Club in Orlando Florida. Si instead on having an available credit balance of 689.00 I have a available balance of $-589.00 Both Samantha and Dan were unprofessional, extremely rude and do not have any customer service skills.
Loss:
$600
1 comment
Ai Xcd
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Verified Reviewer | Tallahassee, FloridaPayment application
I have made several attempts to get this matter taken care of, faxing this copy a second time, speaking to countless customer services representative, being placed on hold, being hung up on. I spoke with a Supervisor sometimes back in the month of May, and due to his assurance and knowledge of the situation I did not take his name or other identifying information. He assured me that the $418.53 would be applied to my account and the late charges that had incurred would be waived. He stated that because the money gram had my name listed as Patricia Scott instead of what is listed on my Old Navy card โPatricia Brown-Scottโ and only the last 4 digits of the ON card were listed on the money gram, it was unsure what account to apply the funds to. I recently received a letter that downgraded my credit limit due to this oversight on your part, plus I receives countless calls to โcontact you concerning my ON cardโ , and the number I am asked to call is not working numberโฆโฆ..
1 comment
Anonymous
Indian Trail, North Carolina
NonCustomer Harassed by GE Capital Retail Bank
WoW! So, I've reported GE Capital Retail Bank to the FTC for harassing phone calls that have been coming into my home for 3 weeks now every 1 to 2 hours per day. I have never had nor do I have an account with this company. Had not even heard of it until they began incessantly calling my phone number. I'd called them 2ce to thoroughly and firmly, clearly this information. The first time they hung up on me while communicating with them. I was not shouting or cursing, but firmly telling them "Do Not Call....." Yesterday, again, I spoke with a "Michael" and confirmed he got the information clearly and that I was not hung up on. The calls quit for the day. This morning they began again with 605-355-**** another one of the 4 different ones I've received calls from. Outrageous and Despicable Conduct GE!!!!! While I have not done business with these people, I want to warn everyone possible that if they harass people who do not have an account with them, surely it is ill advised to do business with them. Shame On You GE Capital Retail Bank!
3 comments
Joia Ixi
Raleigh, North Carolina
Ridiculously low credit limit
I have a credit score of 720 and all my 2 other credit-card payments are made on time 100% of the time. I applied for a credit card from JC Penny (GE Capitol?) and was approved for $150. This totally suprised me since I had already selected over $250 items to buy. The only reason for applying was the 20% discount they promise on purchases on the same day as the day you get appy for the card. I did not use the credit card that I was approved for and called customer service and closed the card right away. Stay away from this GE capitol credit card! Low credit limits are bad for your credit report.. Do not apply for this JCPenny credit-cards. My immediate loss is the number of points lost in my credit report from applying for this credit card!
1 comment
Anonymous
Chicago, Illinois
PayPal Smart Connect GE Capitol
I never applied for a smart connect account. I am paying double for charges. The employees at smart connect and paypal tell me they have taken care of the problem when they haven't. There are fraudulant charges on my account and they are swiping my bank account that was originally used when I first opened a paypal account years ago. As soon as my bank put a stop to it, they reported me late to the credit bureau and cancelled the smart connect account that I never opened so I can't check it now. The supervisor at smart connect was rude and insulting so that I had to just say I am reporting this to the Attorney General.
Loss:
$1000
1 comment
Anonymous
Washington, District Of Columbia
GE Cancelled my cards
I was randomly checking my accounts with GE and I saw that I had no available credit. This made me suspicious especially since I just paid $300 on my Walmart CC. Long story short they cancelled all 4 of my GE cards because they didn't "like" how I was using my other card. SERIOUSLY! I've been a great customer with GE they even just gave me a CLI on my HHGregg CC of $1000! I am beyond upset! I seriously can't believe them. I'm so upset! I've had good payment history on all my accounts I will never shop with them AGAIN!
Loss:
$2000
1 comment
Anonymous
Thornton, Colorado
Free pay online? Then why a $4.99 charge?
I received my first bill. It states you can pay on-line for free. However, after I went through the trouble of setting up my account, at the end of this process, it added a $4.99 fee for paying on-line. And here I was trying to save postage. I didn't complete the transaction. After reading the complaints that other people had, I'm a little concerned about this bill paying process and GE Capital Retail Bank Care Credit in general. I'll have to get my check in snail mail quickly. I also couldn't find a way to contact GE on their website.
Anonymous
San Francisco, California
LATE FEE REFUND from "CROOK A TITUS" GE /PAYPAL
You were charged a late LATE fee January 5, 2012 Mail picked up at 8:30 pm and you were charged a late fee. This is a PO Box. You need to get refunded that late fee as I did. Even if you don't have proof of delivery. Also if you were charged a debt cancellation fee because they withdrew more monies out of your bank account then authorized for a payment on your account check your card security fees because that is where they put it. Mine was $6.05 and doesn't change and has been on my account since 2011. Card security fees change according to your balance.
Loss:
$5000
Gryffin Fqp
Grand Rapids, Michigan
Non caring care company
Updated by user Mar 13, 2013
My spelling is very incorrect just to let everyone know before they read this :)
Original review Mar 12, 2013
So i have kept up on my credit cards due to the fact my credit is in great standing. I have 4 diffrent cards through GE capitol one in which is through Meijers. I missed one payment and a couple days late during a job loss.When i finally got the money i called to get back updated on my account the women i spoke to was very nice in asisting me and told me she would remove the two late fees as a one time service.She had told me in order to get up to date i would need to pay the past due of 123.00 i payed 125.00 and then i would be able to use my card again and payments would be regular the next month. Today tried to use my card it's closed hmmm i was paid up to date well Come to find out not only did she only remove one fee my account was closed and sent out to collections the same day within 4 HOURS of making my 125.00 payment and being told everything from then on out would be in good standing.Not to mention finding i indeed was sapose to pay 168.00 not the 123.00 i was told.My card balance is only 168.00!!! Not knowing this whole time i was put behind because i was supose to pay in full because the day i made the payment the billing went through as well as the order to close the account so made it look like i was even more outstanding because i didn't pay the 43.00 plus the 123.00, i didn't even know exsisted to pretty much pay off my card of 168.00. So talking to a supervior today needless to say got me no where i'm sapose to pay the 43.00 on top of another 43.00 in 3 days and it still would have been closed.She had told me the customer service rep on the 20th indeed didn't know it was to be closed after 5 on a friday and there was nothing that could be done.Sooo now my credit score is suffering big time from a closed account and i will not be paying them back until the future whenever i decide is convient to me :). Kinda sucks i have many cards with this company that i will not use anymore and indeed will pay them off and use cash or another card that doesn't have GE logo on it. Intrest was 7.00 a month what off rip of anyways. P.s. I have yet to get anything in the mail to tell me my account was closed and or i was needing to pay card off in full and it's March 13th this was Febuary 20th. I guess i'm supose to be psychic and just know.
Loss:
$70
mizdared g
Indianapolis, Indiana
Closed my account for inactivity, but when i monitor my accounts online, it still showed it active!!
for the most part, been happy with my other GE Capitol Consumer credit cards, but when i went to use a card the other day that i hadn't used in a while, i was denied. Talk about being embarrassed at the store (it was a high quality jewelry store, so i'm sure that had a chuckle about me as i left). Turns out it was closed for being inactive. Ok, fine, i understand that, but why in *** sam *** when i login to manage my bills on their website, it shows it as active, with the billing cycle and next bill due date in a few days?!?!?!?! I called customer service twice to try my answers, got the 'oh to bad, go reapply for the card again, we can't do anything'. Talked to supervisor or manager, same BS. It had only been two months since my card was deactivated, BS i know you can reopen my account, you're just to *** lazy to care or put any effort into doing it. I will not be reapplying for this card again or any other @GoGECapital credit card anymore. I would payoff and close my other accounts with you right now if it wasn't for the fact it might hurt my credit score.
5 comments
Sara M Gei
Sterling, Virginia
GE Capital Retail Bank - Customer Service
I am not a complainer by nature but I'm at my wits ends with GE Retail CC Customer service line!!! First Off, when I called for last 3 Months to check balance via phone from out of country where I didnt have internet readily available, each time they indicated my balance at ZERO Balance!! when I got home there is a delinquency notice for $65 Charge + $125 worth of Late Fees incurred in 3 months I was away!!! Fine, misunderstanding? ok. So I call their customer service which by the way they outsource to god-knows-what country and I swear I was in tears. A: I could not understand 9 out of 10 words they were saying!! The connection quality was like talking to middle east back in the 80's and I had to repeat myself like 3x. They could not understand my questions, I could not understand what they wanted me to do!! at last after being transfered 3x (from customer service to collection agency to Manager on duty) I was SHOUTING that I was ready to make a payment if only someone would get on the phone whom I could understand. After I made the payment I asked for confirmation # and I was Hung UP ON!!!! If I had not received the email the next day I could have sworn I was scammed by some company over-seas!!! GE - Are YOU SERIOUS???? with ALL the $$$$ you collect in US you cant afford a decent call center here? This is OUTRAGEOUS!!! I am closing 5 various GE Retail Accounts!!! Closing them for good. This battle with your Customer service is NOT worth the 5% I save on your card VS the 4% cash back and better points I get thru my normal Credit Cards!
Loss:
$125
2 comments
Anonymous
New Bern, North Carolina
GE Capital Retail and Belk Dept Stores
I have been a customer of Belk dept stores for many many years. I am an elite card holder. Thus I do alot of business with Belk. Alot of my business is online. In the last month or so GE Capital Retail Bank has decided to do business in an unscrupulous way. You place your order online. First they charge one dollar to authorize your purchase. (new charge) I had the credit so I know there was no problem. Then the charge is pending on your account and that amount is taken from your available credit. When the order is shipped your account is charged for the full amount of the order and that amt is taken from your available credit. But that is not the end of it. They leave the pending charge on your account for days which reduces your credit limit. If you do not keep up with the balance of your account and rely only on what you know you did, you may charge something and be denied. I was charged $144.97 on December 8, 2012. I have a pending charge for $144.97 and $1.00 since December 8, 2012. It is 8 pm on December 13, 2012. Thus, the pending charge has not fallen off. So I have been charged (amt. posted) Dec. 8, 2012 and I have said amt and $1.00 still pending. Shouldn't it be illegal to charge someone for something and still hold their credit hostage for the same amt again?
1 comment
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These are lawsuits against Pay Pal & EBAY there are more on the web for the same thing in your post.
Criminal organization is putting it mildly.
There are no words to describe what these "Crooks" have done & continue to do to this day.
EBAY forces its sellers to falsify feedback even when it is a scammer. All there comments are NEGATIVE. When you leave negative feedback you are suppose to pick the circle that is red with a minus (-) sign instead they choose the green circle with a plus (+) sign "WTF"?
You can view the documents on this site Pissed Consumer that I have posted.
And if you are interested you can view Rip-Off Report #114**** & the "Rebuttal" from a "Loyal employee" or you can just go to YouTube & type in GE Capital Retail Pay Pal & view my clip with the green snakes.
If you are interested you can also go on this site Pissed Consumer the uploaded documents you can review them on this website Pissed Consumer review post #602273. And if you want to know just how "EVIL & CROOKED" they really are.
On review #520251 & review #431442 & which are just a few of the many complaints I have posted on this site. You can also see just review #586688 how bad there Math Skills
Judge Allows Payment Monopoly Lawsuit Against eBay/PayPal To Proceed By Chris Morran June 1, 2012 Judge rules class-action suit against eBay and PayPal may proceed Plaintiff claims "buyer is always right" policy hurts honest sellers, helps dishonest buyers
If the call center associate processed the checking acct number incorrectly (human error), the company IS SUPPOSED te request the account be reassigned to GECRB and HONOR the cap program you had benn enrolled in; also, if you would have spoken to a manager he/she will have access to the call (ALL calls are recorded for situations as this one and for quality purposes) and will be able to help you out. As for what I read here, this is a quite recent issue, so they can still find a way to help you out. FYI: Sams Club Coll Dept phone # is: 800-568-****-hope this helps you