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Home > Reader Questions > I Have Fraudulent Charges on My GE Money Mervyns Card and Now I’m In Collections. – Diana

I Have Fraudulent Charges on My GE Money Mervyns Card and Now I’m In Collections. – Diana

I had a store credit card through GE Money for Mervyns. At the time, I lived in a apartment complex where the post man kept putting some of my bills in the wrong boxes, causing late bill payments.

Well, with this specific company, I had the card for close to two years and had paid it off when I got married.

Next thing I know, I call them up to close my account since I didn’t use the card for 6 months and got tired of not receiving statements. The rep said I would receive all the statements in the mail in 1-2 weeks. The statements came, and I owed about $500 on a card that I had paid off! Of course I called and disputed it with GE Money!

The charges were done not long after I had made my last payment on the card and for over $200 each! I rarely spent $50 when I went to the store so you can only imagine my suprise and frustration that not only was I not called about two, back to back charges in just two days, but that they didn’ t call when I didn’t pay my bill – FOR 6 MONTHS!!! When I called to dispute the charges, they send me their proof – a itemized list that showed ISBN numbers and a digital signature – saying that I paid for the items listed with my card and owed them money.

After repeated phone calls from me to them, trying to clear this up, I got sent to collections where now, my total charges to date to be paid off are $866. I am at a loss of how to handle this! Between late fees, the two fraudulent charges, and the collection agency’s fees, my account balance went from $0 to $866! How should I handle this? I am disabled and unable to work and I have two children now to think of!

How should I handle this? I am disabled and unable to work and I have two children now to think of!

Diana

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I Have Fraudulent Charges on My GE Money Mervyns Card and Now I'm In Collections. - Diana by

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This is information that was submitted by a third party and not generated by GetOutOfDebt.org or Steve Rhode.
  • D.

    Diane, I am so sorry you are gong through this. Have you tried contacting the fraud department of GE Capital? I would give them a call and explain the situation and see what they would advise you to do. I would also go to your local police department and see about filing a police report on it and also there is an affidavit you can fill out once the police report is filed. The link I found to the affidavit is 
    http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf  

    You will have to fill this out and get it notarized. I would then send a copy of the police report and the affidavit to the fraud department at GE in hopes that they will remove this account from your credit file and I would also send a copy of these to all the credit bureaus to show proof of the situation in hand and request that a fraud alert be placed on your file to prevent further identity theft. Hopefully, between you contacting GE with the affidavit and the police report that they will be willing to help you and also maybe sending these documents to the credit bureaus may help as well. If then GE doesn’t still help, I would making a complaint with the Attorney General and the BBB about it. I wish you the best and hope that they find who did this to you. This is a horrible thing when someone is being responsible with their accounts and paying timely and then become a victim of identity theft. My parents are going through the same situation right now and them filing the police report and affidavit helped them a great deal. Wish you the best.

    D.

  • GE Capital

    Diane,

    I am an employee of GE Capital, which manages the account you reference in your post. We’d like to speak with you to research your issue and assist. Please email me at [email protected] and provide your name and phone number so we can call you directly to assist. To expedite your case, please ensure to provide Reference code DM  052112_dblog_diane

    For your security, please do not include your account number in your email.

    Regards,
    Nicole
    GE Capital

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