GEMB called me and hung up on my phone about 10 days before Christmas. I called them back, got a fairly decent representative on the phone, and made a check payment by phone. They removed a late fee, and charged me nothing for paying it. I owed about 14 dollars for the next month they said.

After Christmas, I began to get repeated phone calls about 8 a.m. till about 10, and no message on the machine. I work retail nights in a grocery store, and lost sleep. Finally I answered the call and a horrible woman rep with a threatening tone told me that there was no phone payment and that my account number given was wrong. This made no sense to me but I told her what I knew I had paid. She was so rude I finally hung up on her.

I called my bank and they said GEMB had taken nothing out of my account. I got a bill for over $90 and a late fee and am sick of GE Money Bank. I believe firmly that they only want to charge late fees after a certain amount of time and will do ANYTHING to get a bigger bill. I am going to write out the payment amount due, with my new bill, and pay it in the store, after I've copied it. After this, I will NOT shop in Belk again, and call a lawyer if nothing else works.

GE Money Bank Belks is in no way worth a cent.