- Report: #405212
Complaint Review: GE Money And Care Credit RUINED My Credit At 19!!!! - EL Paso Texas
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GE Money And Care Credit RUINED My Credit At 19!!!!
gemoney.com EL Paso, 79998 Texas, U.S.A.
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866-869-4794
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GE Money And Care Credit, GE Money and Care Credit RUINED my credit at the age of 19!! EL Paso Texas
In 2007 I was 19 years old just got out of a bad relationship and got a puppy. My puppy was diagnosed with Parvo and I felt like I was just sitting there and watching him die so I took him to the vet and did NOT have the over $500 to get him taken care of. The vet gave me the option of carecredit and with my mom as a co-signer I was approved. They told me I had a year to pay it off NO interest.
I had just started a new job so I had to get paid before they could get paid first. So I got behind on the payments but was not discouraged because I felt I had a year to pay it off! Well I wanted to do online payments and linked it to an account that I had with Wellsfargo. Later on I terminated my account with Wellsfargo but and wanted to put my new bank information.
Well on the website you CAN NOT change banking information. I called and stayed on my cell phone until the battery would die trying to get a hold of people BUT GE Moneys TERRIBLE customer service reps could NEVER get my problem fixed and they told me to MAIL somebody about my problems with them ONLINE??? GE Money will call and harass you with people who seem pretty uneducated.
I have tried and tried to get my payments going with them because I am now 21 and don't want to have bad credit for the rest of my life but they can NOT answer simple questions for me. I was trying to get help from a local bank because I would rather deal with them than deal with the idiots at GE Money!
Well they are screwing that up for me royally too because CareCredit sold my account to GE MOney therefore my carecredit account should be CLOSED well they have NOT closed it and now it says I am over $2,000 in debt. Well when I answerd the bill collectors call and tried to get it settled of COURSE they act like they dont know what I am talking about and cant help me with that and JUST want me to give them money!!
If nothing else gets across I feel that GE Money A.) Has THE worst and ruddest customer service reps and they SERIOUSLY can NOT speak english well!! B.) They JUST want your money and will call at any hour (Ya I KNOW they're bill collectors!!!) but will NOT try to resolve issues!!
Joey 07
San Antonio, Texas
U.S.A.
I had just started a new job so I had to get paid before they could get paid first. So I got behind on the payments but was not discouraged because I felt I had a year to pay it off! Well I wanted to do online payments and linked it to an account that I had with Wellsfargo. Later on I terminated my account with Wellsfargo but and wanted to put my new bank information.
Well on the website you CAN NOT change banking information. I called and stayed on my cell phone until the battery would die trying to get a hold of people BUT GE Moneys TERRIBLE customer service reps could NEVER get my problem fixed and they told me to MAIL somebody about my problems with them ONLINE??? GE Money will call and harass you with people who seem pretty uneducated.
I have tried and tried to get my payments going with them because I am now 21 and don't want to have bad credit for the rest of my life but they can NOT answer simple questions for me. I was trying to get help from a local bank because I would rather deal with them than deal with the idiots at GE Money!
Well they are screwing that up for me royally too because CareCredit sold my account to GE MOney therefore my carecredit account should be CLOSED well they have NOT closed it and now it says I am over $2,000 in debt. Well when I answerd the bill collectors call and tried to get it settled of COURSE they act like they dont know what I am talking about and cant help me with that and JUST want me to give them money!!
If nothing else gets across I feel that GE Money A.) Has THE worst and ruddest customer service reps and they SERIOUSLY can NOT speak english well!! B.) They JUST want your money and will call at any hour (Ya I KNOW they're bill collectors!!!) but will NOT try to resolve issues!!
Joey 07
San Antonio, Texas
U.S.A.
2 Updates & Rebuttals
Paul
Tulsa,Oklahoma,
U.S.A.
you are partially wrong
#2Consumer Suggestion
Sat, January 03, 2009
You are wrong, you can change carecredit on the website to use any account # you wish...period. If you couldnt, it was either that you were not on the right webpage or something was haywire..... but the # to get to carecredit, can take a bit, so its usually wise to plug in the cellphone on charger and wait on them. Besides $500, is not that much, you could have easily paid that. I was working as a pizza guy at 19 and made that much a week (1975-1980) initially. Sounds more like you didnt do what was needed on paying for it. Also, the customer service while a bit slow to connect isnt that big a problem once you get in. Sounds more like you didnt work with them to fix it.
Az
Chandler,Arizona,
U.S.A.
care credit practices are just like any other credit card practices
#3Consumer Suggestion
Sat, December 27, 2008
Dear El Paso, I know you are frustrated but welcome to the world of credit cards! they must be paid monthly on the due date to avoid additional charges. There are terms and conditions you must read in order to be sucessful in completing them without penalty. It sounds as if you jumped into an agreement that you could not afford to begin with when you purchased a puppy, then again when that puppy became sick and the vet offered you an alternative to paying right then and there. It was not a malicious act to pull you in but an option you chose to take in order to pay that balance of within 12 months without interst. The problem then lies in the fact you did not stop to read the terms and conditions. Care credit did not do this to you, you did it to yourself. Yes, they can be difficult to work with at times but when you default you are dealing with collections agents...they dont mess around. Care credit did not sell anything, Care credit is and has always been backed by gemoney? it is on your statements every month. So, you are responsible for your credit rating. You are the only one that can fix it, and in the future....read the contract any time there is one to sign for ANYTHING. all the best.
