I took out a Care Credit Account due to my dog's cancer surgery in August 2009. I also elected the benefits plan. GEMB representatives agreed verbally via telephone, that they would accept a lump-sum payment from me once my dog insurance reimbusement check arrived. I contacted GEMB numerous times over the next few months. Representatives always willfully agreed to wait for the lump-sum payment and also agreed to document this arrangement in my account.
In November 2009 I became injured and had surgery, which prevented me from working for the three consecutive months following. I contacted GEMB and their Benefits dept to arrange to utilize the benefits. I was instructed by them that I had to wait at least three months to file an application, provide medical documentation and bring my bill payment up to date at that point, but then due to my circumstances I would most likely be dismissed of my entire bill. When I had received the dog insurance payment and contacted GEMB to pay them the clearly established lump-sum payment agreement....I was informed that my account was already charged off!
I received absolutely NO notification that I was being charged off and when I attempted to politely rectify the situation with GEMB supervisors, I was treated unprofessionally. I was told that my account was charged off and would not be retreived under any circumstances. In addition, I was told that GEMB had no records of my innumerous calls to them! My account was severly mishandled and the company would not address the problem!
July 2011 I finally realized that I could contact the Office of Thrift Supervision/The OCC for help. I filed a grievence immediately, which they passed onto Corporate for GEMB. I received a smug response from GEMB claiming the following: They stated that their representatives would never make arrangements for a lump-sum payment despite my claim that they did so more than once. They stated that I never called to make payment arrangements but in another place stated that they had record that I contacted them". What else would that be for??? They then provided unknown new letters to the Office of Thrift Supervision which they claim to have sent me prior to the charge off/. I never previously received these letters! To resolve the entire issue, GEMB agreed to call back my account from the debt collector and place it in good standing again, removing any excess charges?. I was also granted the ability of trying to apply to use the benefit again;. Since GEMB recalled my account and removed the late charges, I asked them to also notify the Credit Bureaus that the account was being corrected'. They refused! GEMB's stated that I was previously delinquent with payment". This was one of the reasons for my grievence against them to begin with, that they are finally addressing! I did not feel that I was legitimately delinquent with payment since arrangements for lump-sum payment were repeatedly confirmed with them". If GEMB is correcting their abuses towards my account then there is absolutely no reason that they shouldn't also notify the Credit Bureaus honestly about what has taken place'. Isn't it against the law for a credit card company to continue to report a consumer as delinquent to the Credit Bureaus when the negative matter has been reversed by the company?! I FEEL VERY STRONGLY THAT MY INFORMATION SHOULD BE CORRECTED WITH THE CREDIT BUREAUS TO REPRESENT WHAT TOOK PLACE! 129171e
In November 2009 I became injured and had surgery, which prevented me from working for the three consecutive months following. I contacted GEMB and their Benefits dept to arrange to utilize the benefits. I was instructed by them that I had to wait at least three months to file an application, provide medical documentation and bring my bill payment up to date at that point, but then due to my circumstances I would most likely be dismissed of my entire bill. When I had received the dog insurance payment and contacted GEMB to pay them the clearly established lump-sum payment agreement....I was informed that my account was already charged off!
I received absolutely NO notification that I was being charged off and when I attempted to politely rectify the situation with GEMB supervisors, I was treated unprofessionally. I was told that my account was charged off and would not be retreived under any circumstances. In addition, I was told that GEMB had no records of my innumerous calls to them! My account was severly mishandled and the company would not address the problem!
July 2011 I finally realized that I could contact the Office of Thrift Supervision/The OCC for help. I filed a grievence immediately, which they passed onto Corporate for GEMB. I received a smug response from GEMB claiming the following: They stated that their representatives would never make arrangements for a lump-sum payment despite my claim that they did so more than once. They stated that I never called to make payment arrangements but in another place stated that they had record that I contacted them". What else would that be for??? They then provided unknown new letters to the Office of Thrift Supervision which they claim to have sent me prior to the charge off/. I never previously received these letters! To resolve the entire issue, GEMB agreed to call back my account from the debt collector and place it in good standing again, removing any excess charges?. I was also granted the ability of trying to apply to use the benefit again;. Since GEMB recalled my account and removed the late charges, I asked them to also notify the Credit Bureaus that the account was being corrected'. They refused! GEMB's stated that I was previously delinquent with payment". This was one of the reasons for my grievence against them to begin with, that they are finally addressing! I did not feel that I was legitimately delinquent with payment since arrangements for lump-sum payment were repeatedly confirmed with them". If GEMB is correcting their abuses towards my account then there is absolutely no reason that they shouldn't also notify the Credit Bureaus honestly about what has taken place'. Isn't it against the law for a credit card company to continue to report a consumer as delinquent to the Credit Bureaus when the negative matter has been reversed by the company?! I FEEL VERY STRONGLY THAT MY INFORMATION SHOULD BE CORRECTED WITH THE CREDIT BUREAUS TO REPRESENT WHAT TOOK PLACE! 129171e
 Comments (2) |
| 1. Written by GECapitalCares on November 4, 2011 from danbury, connecticut, US Sheri, I'm sorry you're experiencing problems with your account. We'd like to help. Please email me at with the following information: - The full name associated with the account - Mailing address associated with the account - Your contact phone number - Reference code DM 110411_pcccsheri71 For your security, please do not include your account number in your email. Regards, Nicole GE Capital |
| 2. Written by Sheri71 on November 2, 2011 from albany, new york, US I filed an appeal with the OCC again, for the Credit Bureaus to be honestly informed of my account reversal. My request was denied by GEMB. |
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