Between myself and my best-friend we have 6 horses, 9 dogs, 5 cats, 1 ferret and 1 rat. Learning about the CareCard during one emergency vet. Visit seemed like such a blessing! In May and twice in July we had minor emergencies. My friend used the card and promptly divided the total into bi-monthly payments in order to have the card paid off before the no-interest time frame ended. Payments were made 2-3 times a month above the minimum amount due. My friend made the payments through her bank.
When the monthly bills actually arrived at my house (which was not consistent) I filed them away knowing the payments were being made.in January my mortgage insurance went up 102%. I freaked! I pulled my credit report and discovered GEMB had charged 4 late fees and and had me down as 60-90 days late! I tried to call my friend who was at work and couldn't get through. I called GEMB and they insisted the August payment was late. At the time I didn't have an on-line account so I took her word for it (DUMMY ME) and settled for $100.00 with one late fee being reimbursed.
I got a hold of my friend who showed me her payment dates and I was p^*$#! 1 payment in May, 2 in June, 2 in July, 1 in August, 3 in September, and 2 in October. All of which added up to the total amount due. I called GEMB and after waiting on hold for over an hour, spoke with Nate. Nate essentially told me it was my fault the payment was made too early for the August due date. Basically the SECOND JULY payment was too early to be applied to the AUGUST due date and the August payment was 2 days after the due date. I asked him WHY it couldn't be applied to the August payment and he would not give me an answer. I said, "essentially you are PUNISHING me for being a good paying customer who always paid early or on time." And again he said it wasn't their fault I paid too early. I don't get it. I never paid late. Paid the total amount due in the time allowed. ALWAYS paid above the minimum due and I got fined $139.00. Late fee for August, which lead to late fees in Nov., Dec., and Jan., that I was UNAWARE of. I didn't receive a call. Nate SAID they called me Jan. 21st but it was me who called THEM!
Our boy Nate was one of the most rude, dis-respectful individuals I have ever encountered. When I asked to speak to someone above him, he said there is no-one. APPARENTLY our NATE is the CEO of GEMB.
I have filed with the BBB, FTC, and the Indiana Attorney General's Office.
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