GE Money Bank - Wont stand behind credit card purchase

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Wont stand behind credit card purchase

Feb 29, 2008

GE Money Bank complaint by Paulbog

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This is the first time I have aired this out on the internet because most likely I am just wasting my time but here it goes.

My wife purchased a 18 ct wt diamond ring which blew my mind I told her to return the ring, Whitehall Jewelers would not take the ring back because of the trade up policy (whole other story)

I went to GE and filled a formal dispute as it states on the back of your statement.

Special Rule for Credit Card Purchases

If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services

The acknowledged my complaint and said that thier policy does not cover Whitehall Jewelers return policy and my complaint is with Whitehall.

A month later another letter comes acknowledging my complaint again, this happened for 3 months every month a statement would come followed by them acknowledging my complaint again, when I called customer service they told me to ignore the statement because they were still inquiring into my cpmplaint.

Thenext month I get a letter from a law office demanding payment in full anf am now waintintg a court date.

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Comments (3)

1. Written by T, on 20-05-2008 06:32

Jodbai is completely correct. If you buy a new car, finance it through ABC bank and you begin to have problems with the car, do you tell ABC bank about it or deal directly with the dealership/manufacturer?

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2. Written by jodbai, on 01-05-2008 01:00

Paulblog your purchase agreement with the merchant supercedes your dispute rights. It would be the same if you booked a flight with an airline that had a time limit for canceling the reservation but did not meet the cancelation deadline, or if you purhased a car "as is" and then found out later it had more problems than you thought. You are stuck. If you choose to dispute the merchant has only to supply proof that you were notified of terms up front. The merchant had a return policy which your wife would have been notified of up front. The credit card company is not going to eat 18000 just because your wife made an impulsive purchase and did not consider "what if I change my mind". Besides a ring selling for 18m sounds like it is a custom piece. Jewelers do not take back custom pieces.

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3. Written by Justin, on 08-03-2008 17:56

I paid for a new motercycle with my ge- honda card and my % rate was 6 and when I got the bill it was at 15% so I called and they told me it was the dealers prob not theres so we called the dealer and they said they only ran the card they did not set a limit so now I am mad because they want to blame everyone but themselves

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