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GE CAPITAL CONS CARDCO Complaint - NEVER applied for credit

Complaint
Review by Atlrabbit on 2005-01-05
ATLANTA, GEORGIA -- I called a laser center for information about their service. I then sceduled an appointment for two weeks later to get more information. A week before the appointment I called to cancel the appointment. The following month I got a credit card bill from GE Capital for $1924.00. Since the date of service was the same date of my original phone call to the laser center, I called them to find out what's up. Ooops they made a mistake and should have never billed. (Note: the service was never rendered AND I never applied for credit.) I called GE and after a 43 minute wait, I explained the situation that the charges were fraudulent and this credit card was issued fraudulently. We'll send some papers for you to return...then she hung up. I wrote them a letter of dispute. The following month I get a bill with an added late fee. I called the laser center..oh it must have fallen through the cracks, we'll take care of it today. I called GE Capital, after a 24 minute wait...I was told I never sent back their form and that I owed the charges. (I never rec'd the form.) When I explained I never authorize the charges I was told there was nothing they could do...I would have to have the laser center remove the charges. REMEMBER, I've never been to the laser center, they never rendered any services and I NEVER applied for the credit card. I called the laser center and they said they forgot! ...but it would be taken care of... Well, the next month my statement from GE Capital shows a credit of $1874.00 but now I owe the difference of $50.95, late fees and interest!! I called GE, spoke to a supervisor named Ron who said, "We don't care...that's your problem. When I tried to explain the entire card was fraudulent...I was told to have a good day and he hung up!. I called the laser center and was told it's a processing fee. PROCESSING FEE FOR WHAT!!! I've written my third letter, filed a complaint with the BBB, completing a complaint form with State's Dept. of Consumer Affairs. I'm going in the morning to file a complaint with our local police dept against the laser center for fraud...what else can I do with GE Capital??? Any class action suits? It's all fraud...yet my responsibility to pay the bill and to clear up this mess. A nightmare...over one phone call!
Comments:
Posted by Slimjim on 2005-01-06:
The laser center is responsible for those charges as it was their actions and then inactions that caused them. I think you'll get results with the complaints you filed.
Posted by DebtorBasher on 2005-01-06:
This shouldn't be too hard to prove on your half. I did the same thing, I made an appointment for a free screening for laser, they applied for the credit (they pay the doctor and the patient pays the creditor in monthly installments), when they applied for me, the did it over the phone, but (this is where your proof comes in), once the doctor gives them his information, they will put the patient on the phone to verify and confirm information, then the doctor gives you papers (an agreement for the credit) to sign. Now..you said you cancled the appointment, if that's the case, tell them to provide you with the signed agreement for the credit (or loan, as some call it). Have them provide you with a copy of the "sign in" paper that shows that you were ever there for an appointment. If you weren't there, they will have no record, therefore no claims against you.

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