GE Capital Cons Cardco Complaint - Account is paid off, yet they took out a $10 payment anyway! They think this is my responsibility! They also lied about telling me - Credit on retail purchase
Credit on retail purchase - Complaint
INDIANAPOLIS, INDIANA -- I think I cought this company stealing from me without permission and in the least it is improper and possibly illegal.
Tell what you think?
on Sept. 22 I paid off my line of credit on a retail purchase. At this time I will not mention the retailer as they did not responsibility for this. However I will be sending them a copy of this text. THe cool thing is I went to High School in 1979/80 with the Retail owners daughter and my girlfriend is a good friend of hers!
My account was set up with an auto payment that is taken from my personal checking account on the day the money is due.
THey calculate the amount of the payment based on 3.5% of the balance of a minumum of $10.
So On Sept. 23rd I had a $Zero account balance.
On October 13th they took out $10 automatic payment, so now they have my money and I do not. They did not have permission to take any payments beyond what I had a balance due them. So if I owed them $500 they would take out $17.50, if I owned $200 they would not take out $7 they would take out $10.
So when I was in grade school I learned my multiplcation tables and I remember clear as day that 0 x any other number = 0 that is ZERO. So my understanding is that they should have taken out only $0. Not $10
does anyone think I am wrong?
So then I talk to 3 of their people and (maybe I will come back and give all of their employees names and the extension numbers. but at this time I will give them till tomorrow to follow up on their promise to get me a higher ups person.)
The first person told me she could not have the money reversed and put back on my account. I said that was not satisfactory that my time to deposit $10 is $100. so they should send me $110 if I have to go to my back to put my money back in my account. She said she could not do either. She put me in touch with her supervisor, she said she could not do anything to satisfy me. I asked for her supervisor. He got on the phone said he was this womans supervisor and that he understood the situation and he could reverse the payment.
I said thank you!
4-5 days later I got a check for $10 in the mail from them. I ripped up that check! I called them and went thru this all again, and the first person said he could not help and she would put me in touch with his supervisor, i talked to this woman who said to me that the person who promised to make the reversal is not the second womans supervisor but her equal. So they both lied to me and he lied to me 2 times.
I asked this woman if she thought that was appropriate and she said no they do not want their customer supervisors to lie for any reason.
She told me she could not help me but she would have her supervisor call and she gave me this womans name. I never heard from her.
I called back and went thru some of the same crap again, and asked for either the last woman I talked to or her supervisor and I was told that they would have the woman who was supposed to call me call me within 24 hours. Just like the day before.
today, no call, so I called them again and they told me more lies about being that other persons supervisor. I cannot believe the lies I have been told or the promises they have not fulfilled.
Tonight I talked to a woman who says she is equal to the woman who never called me 2x. she says there is no way for them to reverse the payment that all they can do is send me a check. She also put the blame on me that it is my fault that they took the money out. That it is upto me to stop the payments.
I never arranged for the amount all I arranged for was that they can have a payment each month if I owed them money!
so without naming names and giving exact times...what do you think?
did they break the law?
what would the FDIC think about this?
what will the people who own the company I bought the Dryer from think?
Bottom line in my mind they stole money from me, they lied to me and they have wasted well over 2.5 hours of my life on this stupid $10.
I feel like a fool but it is the principle.
I wonder if they are doing it to any other people and how much money they have made on the interest let alone if they have paid back the people if they realized it or not?
tell me your opinion!