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!
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