Complaint Review: Care Credit - GEmoney Bank

this company should be concidered criminals, first of all i didnt even wanted to be with them at the begining but thats another story, i had credit for 500 dollars with them, i was trying to tell them that i didnt agreed to open an account thet the third party that refered them were wrong and that i cancel with them but they never notified care credit so is not my fault, they still charge me for it no matter how much i faught with them, they told me that i should disputed and not to make a payment untill the despute was finalized, some how they started to charge me late fees, so now insted of 500 now i owe 724.

Of course me the consumer lost the despute, so i said ill pay for the 500 and that ill make the minimum payments of 15 bucks a month, they still wanted to charge me the late fees, their billing statement was for 15 bucks, i maid the payment, my next payment came bigger, it was 772 and that my next payment was 28 dollars, at this point i was conserned so i checked the bill and they were charging me 30 dollars for being over the limit(because they thru the late fees in the card) and 16 dollars for financial charges, im like what the hell is going on, they are charging me 16 dollars a month just to make a payment so they wanted me to pay 15 dollars but they are charging me 16 to pay 15, that dosent make any sence, so 16 dollars plus 30 is now 46 dollars more a month. My account if anything now is going up insted of down, so ill owe them for the rest of my life if i dont pay them in full.

What i dont get is that 30 dollars for over the limit. I wasnt over the limit cause i dont even have the card, im not making no purchases or anything, but even if i paid the 30 dollars theyll charge me another 30 on the next bill, so how can i pay off the late fees if their throwing the 30 on top of the late fees everymonth and then say i have late fees,is like they are creating the late fees so im always gonna have late fees cause they dont give me a chance to pay them off, and how can it possibly be legall for a company to charge you everymonth a financial fee? so in other word they want me to pay 15 dollars a month but theyll charge me 16 to make monthly payments, do the math thats like charging me over 100 percent interest rate, thats like if somebody owes me 20 bucks then i say, ok give me 5 dollars a month and then ill charge them another 6 for letting him pay me monthly,,, thats sounds like they are robbing me for my money... If any one out there can help me please let me know i dont feel like paying them thousands of dollars for only a 500 credit line, is just criminal!

Josh
amsterdam, New York
U.S.A.