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Review 3/16/2010
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I have been a promptly paying customer of Care Credit (GE Money Bank) for over two years now. I have been working to pay this account off, making steady increases in the amounts that I am paying every month and always sending my payments in at the same time each month. After my December payment, I noticed that my payment had not been posted in a timely fashion after sending it in and I was assessed a late fee of nearly $40. Assuming that this had been a postal glitch with the holiday season, I simply paid the fee. When this fee occurred again on my bill in February, I called to negate it. In reading the small print on the back of my bill during the nearly 45 minute hold period before speaking with a representative, I found that payments may be posted up to 5 days late to an account for reasons such as a "payment not sent in remittance envelope", "payments with tape, staples, paperclips or other correspondence attached", etc. When I was finally greeted with a customer service representative, I asked about this and whether or not this could be the reasoning behind the tardiness in the receipt of payment. Both the customer service representative and management staff expressed that regardless of why the payment was posted late, the late fee would still be assessed and that "I needed to sent payment even sooner."
As a promptly paying customer I am very displeased by the reaction of the customer service department as well as their unwillingness to remedy this problem. I am now remedying it for myself by taking money from savings to pay this debt off in full. I would not recommend this company to anyone and would suggest a simple loan from your local bank to anyone thinking of using this company.
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