Incompetent Customer Service
ORLANDO, FLORIDA -- I am writing this review after many months of frustrations and late fees caused by a faulty website that continually posts payments as being late even though the payments were made several business days before the due date! I have spoken to a number of customer service agents regarding this problem and was told that my bank routing info was incorrect and that caused my payment to not post on time. I was instructed each time by the service reps on how to correct my banking info on their website, however, the same problem keeps resurfacing EVERY month! Only after making a big stink and much fuss, the reps spoke with a supervisor who agreed to waive the late fee of $39 and the return check fee, also $39.
Finally, I thought there was some relief in sight, as I spoke with a gentleman who actually walked me through resetting all my online info. I thought the problem was all cleared until I went to make my next payment online! Now, I can't even log on! I repeatedly got an invalid account number message when I went to log on! To make matters worse, I then called the automated phone service and when I was prompted to enter my account number and zip code, I was again told by the automated service that my account info was not valid! I now have to mail my payment in and hope that it doesn't get lost or delayed in the process!
There is absolutely no excuse for any financial institution to operate a faulty website, especially when it charges late fees and return check fees on top of criminally high interest rates! I am currently charged a rate of 26.99% and they have repeatedly refused to lower the rate, despite the fact that my credit score warrants a much lower rate, which I am getting from other banks! My experience with GE Money Bank has been nothing short of an absolute horror!