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Warning do not get a GE money bank credit card - 8/12/2007 12:27:54 PM

FelinePersuasion

Posts: 4792
Joined: 11/20/2004
Status: offline

Their customer support sucks, big time, so does their security. In october a bunch of fradulent charges showed up on my card, and I called and complained and they cancled my card, and said they'd report the charges as fradulent, however, month after month new fradulent charges come up despite me having changed the account number, no less than 5 times. Yes five times. And nobody ever sent my claims to their fraud department like they were supposed to, so consequently, my complaints were not registered as fraud, but a simple dispute. I was su pposed to get an avidavit and I was supposed to initial all the fradulent charges, so that they can get resolved, and it's taken over 10 months for it to even be reported as fraud. There's about 400 dollars or so worth of charges, that are fradulent, that they have yet to report as fraud, despite m calls monthly to complain.

This company can not tell me how, despite, changing the account several times, new fradulent charges keep coming in, and neither are they interested in helping me deal with the issue, their suggestion was to put a block on the account. Ross dress for less in North highlands is a constant fradulent charge that shows up. There isn't even a ross dress for less in north highlands according to the company. And for 2 I don't shop at Ross Dress for less.

so, in summery D O NOT sign up for a credit card from GE Money bank. They suck, they don't care about coustomer service, or doing right by their costomers, plus their interest rates are significantly higher than other companies.

< Message edited by FelinePersuasion -- 8/12/2007 12:44:06 PM >

_____________________________

Most of the time if it looks like BS, smells like BS, you probably should not t taste it to see if, in fact, it is BS.

Post #: 1

RE: Warning do not get a GE money bank credit card - 8/12/2007 1:31:51 PM

kyraofMists

Posts: 3292
Joined: 7/29/2005
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From someone who manages a credit card dispute department, the most likely culprit of all those fraudulent charges on your card is someone you know, someone who has access to your card. This is most especially true if you keep getting a new number and new charges from the same place keep showing up.

I suggest taking a closer look at home and those who have access to your stuff before blaming the credit card company.

Knight's Kyra

_____________________________

"Passion... it lies in all of us. Sleeping, waiting, and though unbidden, it will stir, open its jaws, and howl. It speaks to us, guides us... passion rules us all. And we obey..." ~Angelus

(in reply to FelinePersuasion)

Post #: 2

RE: Warning do not get a GE money bank credit card - 8/12/2007 3:18:41 PM

FelinePersuasion

Posts: 4792
Joined: 11/20/2004
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Kyra, nobody but me has access to my card and my parents, my mom and dad could have acess to it too, I mean I do live with them, and so my purse is in the house, but they're not the ones using it. They have no need for my credit card , and aren't the types to fraud their own offspring.

Even in the event that 90 percent of the time, someone you know may be ripping you off, * which isn't the case here*

Still don't change the fact that their company didn't properly handle my complaints and it took 10 months to get the account reported to the fraud company. I still say GE money bank gives piss poor customer service. And yes, I still blame GE for piss poor customer service and not properly handling complaints like they were supposed to have.

< Message edited by FelinePersuasion -- 8/12/2007 3:19:48 PM >

_____________________________

Most of the time if it looks like BS, smells like BS, you probably should not t taste it to see if, in fact, it is BS.

(in reply to kyraofMists)

Post #: 3

RE: Warning do not get a GE money bank credit card - 8/12/2007 4:08:15 PM

camille65

Posts: 5746
Joined: 7/11/2007
From: Austin Texas
Status: offline

One thing that I've learned about things like this is to document it.
Ask for the name and department of each person you speak to and keep that in writing. Write down the dates you speak with the company etc.

_____________________________

~Love your life! (It is the only one you'll get).

(in reply to FelinePersuasion)

Post #: 4

RE: Warning do not get a GE money bank credit card - 8/12/2007 6:04:36 PM

FelinePersuasion

Posts: 4792
Joined: 11/20/2004
Status: offline

camille, next time Well ok hopefully I won't have any more problems like this, but next time I am definatly taking down the name, their department number, and the time and date I talked to them, so if someone don't do a correct job I can point out who took the call!

I've applied for a higher credit limit from my bank, and if I get it, I'll be transfering all my debt to my personal bank and closing out my GE account for good. Safe credit's interst rates are tons lower, and their customer support, I've found is phenominal!

_____________________________

Most of the time if it looks like BS, smells like BS, you probably should not t taste it to see if, in fact, it is BS.

(in reply to camille65)

Post #: 5

RE: Warning do not get a GE money bank credit card - 8/12/2007 6:20:26 PM

kyraofMists

Posts: 3292
Joined: 7/29/2005
Status: offline

quote:

ORIGINAL: FelinePersuasion
Still don't change the fact that their company didn't properly handle my complaints and it took 10 months to get the account reported to the fraud company. I still say GE money bank gives piss poor customer service. And yes, I still blame GE for piss poor customer service and not properly handling complaints like they were supposed to have.

Quite frankly there is little that the fraud department can do for you. These things are handled by a dispute department who will get the money back from the merchant. The fraud department can't do that.

If the disputes were filed as "unauthorized" by you, then they were reported as fraud to the Association (i.e. Visa or MasterCard). Beyond that there is little anyone can do other than take the money back from the merchant.

Have you filed a police report? Someone is continually obtaining access to your accounts and all the credit card company can do is try to get your money back from the merchant after the fact.

Knight's Kyra

_____________________________

"Passion... it lies in all of us. Sleeping, waiting, and though unbidden, it will stir, open its jaws, and howl. It speaks to us, guides us... passion rules us all. And we obey..." ~Angelus

(in reply to FelinePersuasion)

Post #: 6

RE: Warning do not get a GE money bank credit card - 8/12/2007 6:26:31 PM

ownedgirlie

Posts: 9184
Joined: 2/5/2006
Status: offline

This happened to me not long ago. Two of my cards had fraudulent charges a month apart. Both cards were with different banks. Nobody else I know had access to these cards. When it happened the second time, I asked the bank how this could happen. The person I talked to said there has been an increase in people placing card readers on card swipe machines at gas stations and such. I always get gas at the same place. I stopped getting gas there and no more fraudulent charges.

Not sure if this was a coincidence or the actual cause of the problem, but I share in your frustration and I'm glad to be rid of the problem. In two months I had $3000 in fraudulent charges. $2000 of those charges were at restaurants in China.

(in reply to FelinePersuasion)

Post #: 7

RE: Warning do not get a GE money bank credit card - 8/12/2007 8:28:28 PM

Solaise

Posts: 64
Joined: 11/29/2004
Status: offline

You need to do a little detective work. Is there some place you frequent A LOT? Like a restaurant or coffee shop where you use the card(s) to pay for a purchase. The culprit is someone close. Maybe not at home, but whoever it is has had access to all of your cards. NExt best guess. Online shopping and/or storing sensitive info on your computer.

(in reply to FelinePersuasion)

Post #: 8

RE: Warning do not get a GE money bank credit card - 8/12/2007 10:43:36 PM

FelinePersuasion

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Joined: 11/20/2004
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Solaise, that was originally how the fradulent charges came up. I used my discover to pay for ebay fee's and then a bunch for pay pal sports memorbillia poped up, they , the fradulent charges just haven't stopped after that. Even though I've changed account numbers a ton of times and don't use the discover to pay for ebay items any more, or hell I don't use it online at all. I mostly use it at Wal-Mart for instore purchases.

kiera, yes, at the begining of all this trouble I filled a police report, they were rather un interested in the fradulent charges on my account, but they did file it.

_____________________________

Most of the time if it looks like BS, smells like BS, you probably should not t taste it to see if, in fact, it is BS.

(in reply to Solaise)

Post #: 9

RE: Warning do not get a GE money bank credit card - 8/13/2007 4:03:39 AM

kyraofMists

Posts: 3292
Joined: 7/29/2005
Status: offline

Don't think that because you are shopping at WalMart that your card is safe. I have seen WalMart make more mistakes on consumer accounts that just about any other merchant.

Here is a question to ask:

Are the unauthorized charges happening on the new account numbers or the old number?

When your account number is replaced with a new one it is generally linked to the old number. Any transactions that happen on the old number will show up on your statement for the new number. This helps consumers because if a purchase return is made to the old number then it will reflect on the balance of the new number.

It is important to know whether the charges are on the old number or the new one. If the old one, then you need to ask them to get you a brand new account that is not in any way linked to your new account and for them to close the old account as fraud.

If they are on the new one, then you really need to pay attention to who has access to your cards. Where do you leave your purse when you go to work? Where do you use your card? Who comes into your house that has access to your cards?

Skimming is not uncommon and for awhile was quite common at gas stations, especially Shell because it was easy to open their pumps and add on a reader to collect cardholder data. However, given the dollar amount of the charges that seems unlikely. You would be out thousands of dollars in a matter of days if it was skimming.

Knight's Kyra

_____________________________

"Passion... it lies in all of us. Sleeping, waiting, and though unbidden, it will stir, open its jaws, and howl. It speaks to us, guides us... passion rules us all. And we obey..." ~Angelus

(in reply to FelinePersuasion)

Post #: 10

RE: Warning do not get a GE money bank credit card - 8/13/2007 5:35:35 AM

angelikaJ

Posts: 8641
Joined: 6/22/2007
Status: offline

quote:

ORIGINAL: FelinePersuasion

This company can not tell me how, despite, changing the account several times, new fradulent charges keep coming in, and neither are they interested in helping me deal with the issue, their suggestion was to put a block on the account. Ross dress for less in North highlands is a constant fradulent charge that shows up. There isn't even a ross dress for less in north highlands according to the company. And for 2 I don't shop at Ross Dress for less.

I find that to be quite interesting.

Honestly...what I probably would do at this point is 2 things: 1. contact your local tv news...they usually have an investigative unit that like to deal with those things. 2. At this point contact your state's attorney office and file a complaint with them...about the fraudulent purchases, (esp since one of them is from a retail business in a location that does not exist) fraudulent puchases first and then ask for help with getting the charges removed.
Best wishes for a speedy resolution.

< Message edited by angelikaJ -- 8/13/2007 5:39:42 AM >

(in reply to FelinePersuasion)

Post #: 11

RE: Warning do not get a GE money bank credit card - 8/13/2007 9:58:36 AM

FatDomDaddy

Posts: 3183
Joined: 1/31/2004
Status: offline

You might also want to speak with your doctor.

There is a condition where people spend money, eat, cheat on a spouse, shoplift, write vile letter or e-mails, have random sex with strangers or any number of things they would normally be appalled at without any conscious knowledge of the fact that they did it. There is no recall, no memory AND usually no evidence because when in that state the cover it up.

It is different than multiple personality disorder too. The people always know who exactly they are while committing these acts but then block them out so completely that they could take lie detectors exams and pass with flying colors. Even when shown video proof the people have no recall.

(in reply to FelinePersuasion)

Post #: 12

RE: Warning do not get a GE money bank credit card - 8/13/2007 10:37:14 AM

FelinePersuasion

Posts: 4792
Joined: 11/20/2004
Status: offline

The account numbers probably also don't change very much, lets say your account is 112319821600, when you call for a new card to cancle the old account, your number is still 112319821, but it's the 1600 that changes.

The charges come in on the new account number, on each new billing statement. I used to never look at my bill just accept I had one, and this has been a huge eye opener, ALWAYS read the bill, never assume it's as should be.

I use my card at Walmart, typically, and yeah I know it's not always safe just cause they're the name on the card. I used my card at the fair in Sonoma County, I've used my card to pay for dinner's before at Applebee's, these were all after the fradulent charges started coming in,

when they started I used to use my card online to pay for bigger purchases I wanted right now but didn't wish to deplete my bank account for, like I said that's how it all started, sports stuff was being purchased on my card. first it was paypal, for stuff I didn't buy, like miami dolphin memorobilia, then Ross Dress for less started showing up.

It's just my parents my dog and I and my bf at home, we don't have any one over, so nobodies like come in and had like unrestricted axcess to my purse, I believe using the card online allowed the security breach.

The account's finally been sent to the correct department though, you say fraud can't do anything but get the money back, that's what was supposed to happen, they were supposed to investigate, and if they found out I was truely and indeed, not making these charges I'd be absolved of paying them.

quote:

ORIGINAL: kyraofMists

Don't think that because you are shopping at WalMart that your card is safe. I have seen WalMart make more mistakes on consumer accounts that just about any other merchant.

Here is a question to ask:

Are the unauthorized charges happening on the new account numbers or the old number?

When your account number is replaced with a new one it is generally linked to the old number. Any transactions that happen on the old number will show up on your statement for the new number. This helps consumers because if a purchase return is made to the old number then it will reflect on the balance of the new number.

It is important to know whether the charges are on the old number or the new one. If the old one, then you need to ask them to get you a brand new account that is not in any way linked to your new account and for them to close the old account as fraud.

If they are on the new one, then you really need to pay attention to who has access to your cards. Where do you leave your purse when you go to work? Where do you use your card? Who comes into your house that has access to your cards?

Skimming is not uncommon and for awhile was quite common at gas stations, especially Shell because it was easy to open their pumps and add on a reader to collect cardholder data. However, given the dollar amount of the charges that seems unlikely. You would be out thousands of dollars in a matter of days if it was skimming.

Knight's Kyra

_____________________________

Most of the time if it looks like BS, smells like BS, you probably should not t taste it to see if, in fact, it is BS.

(in reply to kyraofMists)

Post #: 13

RE: Warning do not get a GE money bank credit card - 8/13/2007 11:10:17 AM

NorthernGent

Posts: 8730
Joined: 7/10/2006
Status: offline

Why do you need a credit card? What is there in life makes debt worthwhile? I can't think of anything.

_____________________________

I have the courage to be a coward - but not beyond my limits.

Sooner or later, the man who wins is the man who thinks he can.

(in reply to FelinePersuasion)

Post #: 14

RE: Warning do not get a GE money bank credit card - 8/13/2007 12:09:10 PM

ownedgirlie

Posts: 9184
Joined: 2/5/2006
Status: offline

Can't buy an airline ticket without one.

Can't guarantee a hotel room without one.

Can't rent a car without one.

Can't shop online without one.

Having a credit card does not necessarily mean going into debt. A lot of people (although not nearly enough) pay their balances off at the end of each month. I use mine for everything and then pay it off, and I get to rack up airline mileage that way. I have two free airline tickets coming to me now as a result. :)

Oh yeah, and if you want to buy a car or a house, you're going to have debt...AND you need a decent credit report to do so...which means you need some credit card activity in your past.

(in reply to NorthernGent)

Post #: 15

RE: Warning do not get a GE money bank credit card - 8/13/2007 12:49:07 PM

susie

Posts: 1699
Joined: 11/21/2004
Status: offline

quote:

ORIGINAL: NorthernGent

Why do you need a credit card? What is there in life makes debt worthwhile? I can't think of anything.

I guess you do not have a mortgage then?

(in reply to NorthernGent)

Post #: 16

RE: Warning do not get a GE money bank credit card - 8/13/2007 1:41:27 PM

NorthernGent

Posts: 8730
Joined: 7/10/2006
Status: offline

Debit cards secure hotels, flights etc over here. With these, you can only spend what's in your bank, unlike credit cards. I assumed the same is true in the US, maybe not.

_____________________________

I have the courage to be a coward - but not beyond my limits.

Sooner or later, the man who wins is the man who thinks he can.

(in reply to ownedgirlie)

Post #: 17

RE: Warning do not get a GE money bank credit card - 8/13/2007 7:19:11 PM

FelinePersuasion

Posts: 4792
Joined: 11/20/2004
Status: offline

I agree having one doesn;t mean going into debt. It only means so if you're not using it responcibly, and I didn't. Before I dug my ass into this huge pit, I was paying the balance properly hardly used it, except for luxuries I couldn't or in some cases did not want to use my debit for.

And owned girlie is right, Having and using a credit card* responcibly* builds up credit history, which helps you later in life. My Dominant, never having credit history will be charged 300 dollars extra for a security fee, refundable to you over a period of about 5 years, to get dishnetwork, since he don't have a credit history, me I wouldn't be charged a thing, just the 144 dollars to set up, because I've been building a proper credit history.

Also what's so worth a credit card? oh I don't know, buying new clothes when it's positivly unavoidable and I can't afford new clothes. 5 pairs of pants and 5 shirts and some panties cost me like 190 dollars, and having less than 80 in the bank and needing those clothes NOW. Having that extra security in place should a huge fee come up I can not possibly cover, like when it cost me 400 dollars to have my dogs health needs covered.

There's lots of reasons a credit card is nice, should they be th right reasons and not iresponcible ones.

originally why did I get it? Because I wanted to buy an 80 dollar memory card for my camera.

< Message edited by FelinePersuasion -- 8/13/2007 7:22:21 PM >

_____________________________

Most of the time if it looks like BS, smells like BS, you probably should not t taste it to see if, in fact, it is BS.

(in reply to NorthernGent)

Post #: 18

RE: Warning do not get a GE money bank credit card - 8/13/2007 7:26:23 PM

FelinePersuasion

Posts: 4792
Joined: 11/20/2004
Status: offline

And, Yes, a debit card will secure a spot for hotels and all that, in the US, where I am.

_____________________________

Most of the time if it looks like BS, smells like BS, you probably should not t taste it to see if, in fact, it is BS.

(in reply to FelinePersuasion)

Post #: 19

RE: Warning do not get a GE money bank credit card - 8/13/2007 8:28:18 PM

FatDomDaddy

Posts: 3183
Joined: 1/31/2004
Status: offline

A check card works just like a credit card. BTW... you should alwasy use your bank card utilizing the check feature as opposed to the debit feature. There is no fee using it as a check card, while the POS and debit fees can range 20 cents to $2.00 whenever you use it as a debit card.

(in reply to FelinePersuasion)

Post #: 20

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