Anonymous
map-marker 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!
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Loss:
$7000
Melaina Xjb
map-marker 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 Iโ€™ll 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 GEโ€™s 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 Samโ€™s 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 SAMโ€™s 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.
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2 comments
Delores Klisiak

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

Guest

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

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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!
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Loss:
$25
Fernande Iqt
map-marker 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.
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Loss:
$600
1 comment
John N Mzy

Don't give the world your email address, especially on a public forum unless you like loads of spam.

Ai Xcd

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Tallahassee, Florida

Payment 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 โ€œPatricia 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 โ€œcontact you concerning my ON cardโ€ , and the number I am asked to call is not working numberโ€ฆโ€ฆ..
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1 comment
Delores Klisiak

This is how they make their BILLIONS! Please go and look at my documents.

If you really want them to know you mean what you say then please go to my posted complaints that start with "The Crook-A-Titus Disease and "The *** Titus Disease" and that "The Disease is Spreading" and read the documents that are from this CRooKEd BANK which has changed their name three (3) times from GE Money Bank, GE Capital Money Bank and now GE Capital Retail Money Bank. As you will see they do have the word MONEY in all three name changes. They just love that money, more money more money and more money and they steal and lie and that is the way they make their BILLIONS! Money is not the Root of all Evil The Root of all Evil is to love money" and they do that real well.

Not one single penny that they have made has been honest! This is the Worst Corporate America rip-off ever in this country the absolute worst! They have India, South America, the Philippines etc., etc. to help them make the illegal billions that they make!

File complaints with The Department of Justice, The Office of the Comp Controller, The Department of Financial Institutions, The BBB, The FDIC, The District Attorneys Office where GE's corporate office is located, The Federal Trade Commission, The Consumer Affairs Office for Unfair Business Practices and if you file with the wrong agency then they will tell you in writing what agency to send your complaint to. Don't file a complaint with The Consumer Financial Protection Bureau... they have no ClUe what they are doing they send complaints to companies not even mentioned in the complaint! Now how intelligent is that plus they can't read nor do math!

I have given The Consumer Financial Protection Bureau the name of "The Confused Financial Pissonyou Bureau! BEcause that is what they are CONFUSED! They DO know how to make MoRe MoNeY and they don't care how they get it they live and operate on their own rules always have and always will. In my opinion there is more going on here for this type of Corruption to be where it is now with this bank to be so bold as to just flaunt this type of business practice in people's faces which is as corrupt as it can be for it to have gotten to this point!

Yep, something more is going on here. GE has the disease of "Crook-A-Titus" and Pay Pal Smart Connect has the disease of "*** Titus"!

What is sad is that its spreading to other banks and credit card companies and starting to get out of control in the worst way.

Anonymous
map-marker 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!
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3 comments
Guest

Go online to the government website "Do Not Call" put there number in plus you can call it in if you can't do it on the web. Since you have told them so many times to not contact you and they do it again they will and can be fined up to $1,500.00 by violating your rights.

The note from Nicole below from GE Capital Retail Bank is a form letter they put on this site when they get complaints. Only problem is they waste your time because they don't do anything they just do this to make everyone who reads these horror stories look like they really care which they don't they are to busy raping the customer and stealing money all the time that is the way they make their billions. The Famous Form Letter with Nicole's name is on any and all complaints about this bank and I can guarantee you it is probably not her real name. This bank out of 99.9% actually give real names most are just made up.

If they had been given a name at birth they have forgotten it. The one percent that does you have to wonder if that is their real name. They DO NOT CARE!

Good luck maybe you can make some money by reporting these crooks who are allowed by state and federal government agencies to make up the rules and their own laws and regulations where other banks are not allowed this privaledge. You can file with the DFI, The OCC, The Department of Justice, The FDIC, The Federal Trade Commission etc.

Nicole Kgs

**To expedite a response, please provide Reference code DM 073013_pc_Anonymous**

Iโ€™m sorry you are receiving these phone calls. We would like to try and resolve your concerns. Please email me at gecapitalcares@***.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

Delores Klisiak
reply icon Replying to comment of Nicole Kgs

There you are again Nicole **To expedite a response, please provide Reference code DM 073013_pc_Anonymous**

This is the new name GE Capital Retail Bank is changing there name to SYNCHRONY . This is the fourth time they have changed there name.

They used to be GE Capital, GE Capital Money Bank, GE Capital Retail Money Bank, the only thing they didn't change is BANK! They need this word BANK so they can be in the banking business. You will find this Rip-Off Report being written in "Comic Font". This has gotten so out of hand that one can only laugh at what is happening.

I mean we have state & federal agencies we cannot rely on.

This bank that has changed it name FOUR times now they are changing it again to SYNCHRONY BANK! I believe they are changing to the letter "S" in the alphabet they need to get as far away as they can from the letter "G" in the alphabet. They have to get as far as they can from the letter "G" they don't want to get away from making lots of "G's" Illegally just the letter itself.

The letter words that start with the letter "S" this is also another reason I think they changed there name they want to continue the illegal business practices. They have to get as far as they can from the letter "G" they don't want to get away from making lots of "G's" Illegally just the letter itself. Words that start with "S" are Steal, Slaughter, Shittttt, Suckers & most important word that starts with an "S" SHEEP! All those SHEEP being led to another slaughter that have no idea about just how corrupt GE Capital Retail Bank & Pay Pal are & all that money that they will steal from the unsuspecting "SHEEP"!

They have made for sure that they can't get caught that is why they changed the Pay Pal page you can't see how crooked they really are pathetic not to mention EVIL!

If you have a Pay Pal Smart Connect Card they have now changed the way the site looks when you go in to look at your activity you can no longer go in & copy & paste anymore. They changed this so that you cannot see where they put your account "Overdue" days before it is. You cannot "View Card Details" either. Greedy make money anyway they can they don't want customers to see what they are really doing "Cover UP".

The letter from the Employee confirms this & lays it out why & how. You can read this employee's posts to me at Rip-Off Report#114****

You can also see actual documents that I have upload on this site. I have listed them here: The Review numbers are Review #: 483913, Review #: 397877,Review #: 403826, Review #: 408105,Review #: 478478, Review #: 483025.

It is faster when you read the documents that have been uploaded instead of reading all the posts. **To expedite a response, please provide Reference code DM 073013_pc_Anonymous**

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Joia Ixi
map-marker 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!
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1 comment
Delores Klisiak

Please read my posts & the documents that have been uploaded there are quite a few and they are all from "The Big Three" GE Capital Retail Bank/Pay Pal/PayPal Smart Connect & "The Stupied Three" the idiots, bimbos & *** on this credit card company GE Capital Retail Bank it is listed as "Crook A Titus" and "*** Titus" Disease. You can also look at all the documents that I have put with my complaints that are from this bank and this credit card company on their letterhead etc.

This bank/credit card are so "BRAZEN" in what they do you would think they were the Gods on Mount Olympus! Don't waste your time they are worse then CROOKS and THEIFS they are in a class all there own and they continue to get away with "FUTC" *** up the consumer) What ever you do don't waste your time with filing a complaint with the Consumer Financial Protection Bureau which was set up in 2011 to protect customers from credit card companies & banks. They can't read, they send complaints to companies not even mentioned in the complaint,they close out several different complaints involving other subjects and ball it all together and close the case. This agency was made by The Frank Dodd for Wall Street Reform.

Well, if this is what they call reform then we are definitly SCREWED because this agency has been *** up for over a year now and they continue to do so.

Who knows how bad it is I mean its unbelievable what they have done so far and gotten away with it. Maybe someone is getting paid on the side here otherwise why would this be so obvious?

Anonymous
map-marker 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.
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Loss:
$1000
1 comment
Delores Klisiak

Do you want to make a difference here when it comes to This CROOKED BANK and CREDIT CARD? Go look at my documents that I have uploaded and what I've been dealing with since 2011.

This is how they make their BILLIONS they just LOOOOOOVVVVVEEE all that money, more money more money more money. GE Capital Retail Bank who is the bank that Pay Pal Smart Connect is associated with has what I now call "Crook-A-Titus Disease" and Pay Pal Smart Connect has the "*** Titus Disease". They will lie to you in writing in emails snail mail and in phone calls. They don't give out names nor their real names 99.9%.

File your complaints with The Department of Justice, The Department of Financial Institutions, The Comp Controller, The District Attorney's Office in Santa Clara California where Pay Pal and EBAY are located, The Federal Trade Commission, The FDIC, etc., etc. This bank and credit card company are the most CoRuPtEd part of "Corporate America" and to this day they continue to RAPE the customers. They are so brazen that they actually LIE in writing when the evidence is right there in there face! They make up numbers charge late fees illegally, it just keeps on going.

What ever you do don't file a complaint with The Consumer Financial Protection Bureau ever. I now call them "The Confused Financial Pissonyou Buruea". This government agency sent my complaints on these CRooKS since 2011 that I have filed for various violations of my rights and the laws of this country to my Discover Card which is not mentioned anywhere in the complaint! Then when you send emails they don't read them they send back messages that don't even address the issues!

They can't read nor retain what they read if some can read. They send complaints to companies that are not even mentioned and close complaints with letters dated 2 years earlier which was sent to them with the other documents! THAT is what I'm talking about.

"Idiots Bimbo's and *** not to mention CRooKS! Good Luck!

Anonymous
map-marker 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!
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Loss:
$2000
1 comment
Delores Klisiak

If you really want them to know you mean what you say then please go to my posted complaints that start with "The Crook-A-Titus Disease and "The *** Titus Disease" and that "The Disease is Spreading" and read the documents that are from this CRooKEd BANK which has changed their name three (3) times from GE Money Bank, GE Capital Money Bank and now GE Capital Retail Money Bank. As you will see they do have the word MONEY in all three name changes.

They just love that money, more money more money and more money and they steal and lie and that is the way they make their BILLIONS! Money is not the Root of all Evil The Root of all Evil is to love money" and they do that real well. Not one single penny that they have made has been honest! This is the Worst Corporate America rip-off ever in this country the absolute worst!

They have India, South America, the Philipines etc., etc. to help them make the illegal billions that they make! File complaints with The Department of Justice, The Office of the Comp Controller, The Department of Financial Institutions, The BBB, The FDIC, The District Attorneys Office where GE's corporate office is located, The Federal Trade Commission, The Consumer Affairs Office for Unfair Business Practices and if you file with the wrong agency then they will tell you in writing what agency to send your complaint to. Don't file a complaint with The Consumer Financial Proction Bureau they have no ClUe what they are doing they send complaints to companies not even mentioned in the complaint!

Now how intelligent is that plus they can't read nor do math! I have given The Consumer Financial Protection Bureau the name of "The Confused Financial Pissonyou Bureau! BEcause that is what they are CONFUSED! They DO know how to make MoRe MoNeY and they don't care how they get it they live and operate on their own rules always have and always will.

In my opinion there is more going on here for this type of Corruption to be where it is now with this bank to be so bold as to just flaunt this type of business practice in people's faces which is as corrupt as it can be for it to have gotten to this point! Yep, something more is going on here.

GE has the disease of "Crook-A-Titus" and Pay Pal Smart Connect has the disease of "*** Titus"! What is sad is that its spreading to other banks and credit card companies and starting to get out of control in the worst way.

Anonymous
map-marker 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.
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Anonymous
map-marker 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.
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Loss:
$5000
Gryffin Fqp
map-marker 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.
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Loss:
$70
mizdared g
map-marker 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.
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5 comments
Guest

These are the most Corrupt Businesses in the United States not to mention the other Country's they hire out for help that give out names you know are not their real name. Did you know that they put your account on "Overdue" one to two days before the due date or more?

Well, they do. No matter how you send it to get it there in time they will not pick mail up everyday sometimes they wait for one, two or three days. Then you have to fight with them to get it taken off & then sometimes they don't take it off even when you have proof! No, wonder the United States Postal Service is suffering would you waste your money to send your payment pay extra to get it there before 5:00 on the due date & then they charge you a late fee?

Plus you have to fight with them wait on hold etc., etc. the people who work for these corrupt business should be ashamed of themselves for doing things like this to their fellow humans if they are even human who knows what they are!

Guest

I have always had a credit limit of $500 on my Paypal Smart Connect account, with GE Capital.

I use them for short term credit and always make very large payments, to keep my credit utilization ratio, low, as this accounts for 30% of your credit score.

This past month, I had made several payment of over $700 in payments and an approximate $750 in purchases. Before the billing cycle closing date I owed only about $50 and my credit limit was $450.

The next day, after the closing date, they reduced my credit to $100 !

This is a SCAM by GE Capital to punish consumers who don't allow them to charge much Interest.

This is against the Law and the government should sanction GE Capital for this unethical behavior.

Here is the PROOF that this is regular and a very consistent pattern by GE Capital. 1) This forum is full of countless similar reports of others who have had the same identical experience as I have and GE Capital gives them lame excuses, as to why they reduced their credit which is simply LIES, because if GE Capital would admit the true reason (their inability to charge interest for those making large payments) it would be against the Law and the Government would put GE Capital out of business, so GE Capital has to LIE and make up other untrue lame excuses as to why they reduced your credit limit, which all consumers here have stated, are simply not true at all. 2) Similar story here: http://www.pissedconsumer.com/reviews-by-company/ge-capital/do-not-make-large-payments-to-ge-capital-201203****6402.html http://www.pissedconsumer.com/reviews-by-company/ge-capital/credit-limit-reduced-201304****2549.html http://www.pissedconsumer.com/reviews-by-company/ge-capital/worst-credit-card-company-ever-201302****0924.html http://www.pissedconsumer.com/reviews-by-company/ge-money-bank/lowering-credit-limit-200904****7341.html http://www.pissedconsumer.com/reviews-by-company/ge-capital/worst-credit-card-company-ever-201302****0924.html And a MILLION others IDENTICAL story that as soon as you make a very large payment to GE Capital your are 100% guaranteed to get a reduced credit limit, as result.

This IS very clearly against the Consumer Credit Law! Any Lawyer who wants to make a a ton of money should initiate a Class Action Lawsuit against GE Capital

Guest

GE Capital, is indeed the worst of the worst.

It's obviouse from reports of many users here, that GE Capital has a Policy (which they will not admidt) that if you pay off a major amount of what you owe, the WILL ALWAYS reduce your credit limit.

For all those wodering why GE Capital reduced your credit limit, although you always pay your bills on time, don't belive any of the BS they tell you.

Here is the REAL REASON, why GE Capital reduces your credit limit.

The Real Reason is only because you paid off a major amount of what you owe!!!

GE Capital actually doesn't want you to do that because then they are not making any money or you, or at least they are not making as The GE Capital SCAM! BE WARNED!

If you pay off a major part of your Paypal GE Capital Smart Connect balance they are GUARANTEED (to come up with some lame excuse, which is a LIE) and WILL definitely reduce your credit limit, because as a result of you paying off your debt before the end of the billing cycle, they are loosing money on you, because they can't charge you interest (or can't charge you as MUCH interest). This is a major reason why NOT to use GE Capital, period. GE Capital is GREEDY and punishes consumers who pay off their debt early to avoid Interest. This actually against the Law!

But GE Capital gets away with it because they will never admit the real reason why they chose to reduce your credit limit. Most smart credit users know that a major factor in your credit score, is the ratio between your credit limit and the amount you owe and therefore smart credit users, make sure, to pay up most of what you owe, before the closing date of your statement. Unfortunately, this method works well with all decent and HONEST Credit Card companies, but NOT with GE Capital. If you pay up a major chunk of what you owe to GE Capital, before the statement closing date, you can be sure that GE Capital will PUNISH you by reducing your available credit.

GE Capital are NOT HONEST and they will never admit that this is the REAL reason why they reduced your credit limit. Instead GE Capital will LIE and give you lame excuses which are not true at all, as being the reason why they reduced your credit limit and they will claim that the fact that you had just paid up a very major chunk of what you owe and IMMEDIATELY afterwords your credit limit is reduced - this fact is merely "coincidental", they will claim. But most posts here, clearly reflects that this is a VERY consistent pattern of behavior, where GE Capital regularly penalizes anyone who tries to avoid being charged interest, by paying up, right before statement closing time. Most HONEST and reputable Credit Card companies do not engage in such unethical business practices, as does GE Capital.

My advice to everyone is to Choose any other company except GE Capital, if you can. Companies like Sears and many others are much better and much more honest at helping you rebuild your credit, while GE Capital will actually RUIN YOUR CREDIT, to all who patronize them, because when they reduce your credit limit (although you were never late with a payment) it reduces your credit score automatically because now the ratio of what you owe vs your credit limit, is far worse.

The Ratio of your credit limit to what you owe, actually accounts for about 30% of your credit score and you can thank GE Capital, for ruining your credit, for nor reason at all, except for their greedy lack of revenue, because your not paying them enough interest when you pay off early. This is an outright SCAM by GE Capital and the Government should investigate and sanction GE Capital for this unethical credit practice.

Delores Klisiak

I'm surprised that her name wasn't Carol they have lots of those in India, South America, The Phillipines and India even in the United States. Also, this website Pissed Consumer only takes PayPal Credit Card Smart Connect.

"THIS BANK PICKED UP MAIL AT THERE PO BOX USPS AT 8:30 PM ON THE 5TH OF JANUARY 2012 and charged everyone that day a LATE FEE ILLEGALLY. This bank and credit card are so crooked and so OUT THERE that I would not put it past that someone is on the take here. When you send a payment in with guarantee delivery before 5:00 pm on the due date the 5th and the usps makes an attempt at approximately 10:00 am and 11:00 am and then they pick the mail up at 8:30 pm at a PO box and charge you a late fee. If you were charged a late fee on January 5, 2012 you need to get credit for that because you were charged illegally.

You need to read my posts and those are "GE CAPITAL" "CROOKATITUS" and PayPal Smart Connect which I call "Idiotitus" as far as the Consumer Financial Protection Bureau that sends complaints to the wrong company well they have been givin the title "Confused Financial Pissonyou Bureau. This has been going on since 2011 and PayPal Smart Connect and GE Capital Retail Bank have not been penalized by any of these agencies state and federal which are The Department of Financial Institutions, The Office of the Comp Controller, The Department of Justice, The Federal Trade Commission along with the Consumer Financial Protection Bureau which I also refer to as "Confused Financial Pissonyou Bureau" because they don't read nor do they pay attention. This agency sent one of my many complaints since 2011 that only has GE and PayPal listed to my Discover Card! Need I say more.

Also, this website Pissed Consumer only take PayPal Credit Cards. They also lie about how much they take out of your account even when it is on your bank statement.

Someone is on the take here because nothing is being done to stop this illegal raping of the consumer when it comes to GE Capital Retail and PayPal Smart Connect. Also if you were charged a late fee on January 5, 2012 you need to get a refund because you were charged illegally they didn't pick up the mail at the PO until 8:30 pm on the 5th and they did charge a late fee.

Delores Klisiak

That nothing back in 2011 of July they put my account on hold with no monies in it and was suppose to take it off after 21 days while they made the interest on MY money. When I called up in January of 2012 and asked why my account was still on hold with no funds in it the woman I spoke to sent me an email stateing she took it off.

Then I get an email from a manager telling me that my account had been taken off hold back in August of 2011! My account was on hold for 7 months with no money in it. I informed her she needs to get together with this other *** and they need to get there stories straight. Because of what happened in 2011 I go into my PayPal account and copy and paste because they are NOTORIUS for playing with you account.

I'm surprised that her name wasn't Carol they have lots of those in India, South America, The Phillipines and India even in the United States. Also, this website Pissed Consumer only takes PayPal Credit Card Smart Connect. "THIS BANK PICKED UP MAIL AT THERE PO BOX USPS AT 8:30 PM ON THE 5TH OF JANUARY 2012 and charged everyone that day a LATE FEE ILLEGALLY. This bank and credit card are so crooked and so OUT THERE that I would not put it past that someone is on the take here.

When you send a payment in with guarantee delivery before 5:00 pm on the due date the 5th and the usps makes an attempt at approximately 10:00 am and 11:00 am and then they pick the mail up at 8:30 pm at a PO box and charge you a late fee. If you were charged a late fee on January 5, 2012 you need to get credit for that because you were charged illegally. You need to read my posts and those are "GE CAPITAL" "CROOKATITUS" and PayPal Smart Connect which I call "Idiotitus" as far as the Consumer Financial Protection Bureau that sends complaints to the wrong company well they have been givin the title "Confused Financial Pissonyou Bureau. This has been going on since 2011 and PayPal Smart Connect and GE Capital Retail Bank have not been penalized by any of these agencies state and federal which are The Department of Financial Institutions, The Office of the Comp Controller, The Department of Justice, The Federal Trade Commission along with the Consumer Financial Protection Bureau which I also refer to as "Confused Financial Pissonyou Bureau" because they don't read nor do they pay attention.

This agency sent one of my many complaints since 2011 that only has GE and PayPal listed to my Discover Card! Need I say more. Also, this website Pissed Consumer only take PayPal Credit Cards. They also lie about how much they take out of your account even when it is on your bank statement.

Someone is on the take here because nothing is being done to stop this illegal raping of the consumer when it comes to GE Capital Retail and PayPal Smart Connect. Also if you were charged a late fee on January 5, 2012 you need to get a refund because you were charged illegally they didn't pick up the mail at the PO until 8:30 pm on the 5th and they did charge a late fee.

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Sara M Gei
map-marker 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!
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Loss:
$125
2 comments
Delores Klisiak

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

Nicole Kgs

**To expedite a response, please provide Reference code DM 010213_pc_Sarajoon**

Iโ€™m 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@***.com with your name and phone number. A member of our consumer advocacy team will call you to assist.

For your security, please do not include your account number in your email.

Regards,

Nicole

GE Capital

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Anonymous
map-marker 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?
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1 comment
Nicole Kgs

**To expedite a response, please provide Reference code DM 121712_pc_Anon2**Iโ€™m 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@***.com with the following information:- The full name associated with the account- Mailing address associated with the account- Your contact phone numberFor your security, please do not include your account number in your email.Regards,NicoleGE Capital