GEMB
www.gemb.com
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GEMB Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
GEMB has 1.0 star rating based on 1 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Top GEMB Reviews
Critical Review
"Lien release"
I need to verify a lien has been removed from a boat trailer that was purchased by my late father. Attached is the registration of the boat trailer in question.
Anonymous
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Verified Buyer |
Los Angeles, California
Lien release
Rating Details
I need to verify a lien has been removed from a boat trailer that was purchased by my late father. Attached is the registration of the boat trailer in question.
Sue K Acu
Burlington, Wyoming
Time for a class action suit against GEMB
It is past time for GEMB customer to get together and file a class action suit against this company. They have ruined the credit of way too many people by their holding payments until past the due date so they can charge late fees. They have sold the loans to another company and the customers were never notified of the sale. Let's get together and hold them accountable for their shoddy business practices. It is time for the consumer to stand up and make they accountable. We do have rights and it is time we got together and exercised those rights.
Loss:
$650
3 comments
Leannez Z
Chicago, Illinois
GEMB Lending won't mail out my interest reporting form
I went through a bankruptcy this past year and my debts were discharged. GEMB lending would not allow us to reaffirm our loan because it is their policy to not do that. I have been paying on the loan on time. I was gathering up my tax information to file taxes and realized I never got my form from them. I called them and got the worst customer service I have ever received and I was told I would not get that form because they can not mail me anything. The bankruptcy is discharged so that no longer applies but they say it is their policy. I asked if they could tell me the reporting amount of interest. They gave it to me. I asked how I can go about getting my hands on the form and they transferred me to another department that also gave me the interest reported amount and it was different. Then told me I had to request the form in writing but that I may not get it still. When I asked why I was just told 2 different amounts they couldn't answer me. Their policies don't sound legal to me. That interest form is legally mine if I am not in default of the loan. Supposed to be mailed out by 1/31 and it hasn't. I could not get one of their employees to understand how wrong this was, one of them actually asked me to fax them something in writing from the IRS stating it has to be mailed by 1/31. I couldn't believe it!
smuriset
Modesto, California
GEMB would rather lose money than keep a good customer
Called to find out how much interest we paid in 2010 and was informed my trailer was up for repo because we filed bankruptcy in Dec. Our bankruptcy attorney was never notified that they intended to stop processing payments and were giving us 2 options: 1. surrender the trailer or 2. pay off the loan balance in full. We had NEVER been late or missed a payment and we do owe more than the trailer is worth. Yet the company made the ridiculous decision to lose money and repo the trailer rather than let a great customer continue to pay their monthly payments. Our bankruptcy attorney even said he has never in all of his years as a bankruptcy attorney witnessed a company take this sort of action before. I am echoing the statements of others before me, DO NOT FINANCE ANYTHING THROUGH GEMB!!!!!!
Anonymous
Albany, New York
GEMB Violates Fed Fair Credit Laws
GEMB mis-manages my JC Penney account. I missed last month's payment, intending to make both payments this month. Caller ID shows they have called my house every day, several times a day, since last month. They called six (6) times this past Saturday alone! Owe them alot, you think? Not! The balance is $265. How much are they hounding the cr-- out of me for? Lousy $40! I guess they are going broke without my $40! I can choose to miss a payment if I want and don't care about their *** late fee. And who doesn't have at least one "30 day late" on their credit report these days? Filing a complaint with the FTC as these repeated calls are harassment, pure and simple. You know where I want them to put the $40.
1 comment
Guest-263956
Hello All
Be sure to file a complaint with the BBB and your state's attorney general and the Federal attorney general's offices. Maybe we can put GEMB out of business for their practices.
They also out source their collection agency to India.
I received two collection calls when I missed a payment of $18.56, for the first time in 7 years.
Didn't matter that I'd always paid in full, and often paid before the due date. This was a Lowe's account which is mis-managed by GEMG.
HarrisonDMWV
Reston, Virginia
*** service!
GEMB will hound you for a payment relentlessly. You get to a point where you either chose your mortgage or you RV...we choose our mortgage. Now when we can make a payment, they don't want to take & they then try to twist your words around. If I could find someone else to take this loan over, I would. I would never recomment GEMB to anyone. They harrass you, but then don't want take your calls or your money. They are too quick to want to repo. Shame on them in this economy. They will get theirs hopefully.
1 comment
Guest-259641
I cant pay the GEMB anymore its food and roof over my kids head or this trailer. What can I do?
Can I call them to come pick it up? what will happen?
Yuvonne Sup
Atlanta, Georgia
GEMB is the worst company out there
GEMB Sucks -- always has. But once I was locked in with them there was no getting out. They do not have any website to manage your account. They only do payment books.... I haven't had a payment book since the 90's. Their customer service is poor....very poor. Super long waits. auto promts that just disconnect. Transfers from one department to the next and to the next. They even tried to repo our boat when it wasn't even behind. Stay away from this company ... unless of course you want a lot of hassel. -- Just look at the web all kinds of bad stuff about'em
Loss:
$72
Anonymous
Miami, Florida
GEMB has no customer relations with their customers
I have a boat loan with GEMB Lending for the past 5 years, their customer service dept. have no scense of resolving matters, I have asked them for something so simple as a form of authorization, for the past year I have yet to receive. The customer service is the worst I have ever dealt with. they seem to have the attitute of forget the customers that they have made money on and make it difficult for them, to see how much more money we can get from them, not resolving matters on the only form of communication, their telephone.
rwwone
Sandusky, Ohio
Highway Robbery
Ordered windows from Sears and was financed by GEMB. It does not matter how much we pay over and above the amount stated on the bill, the balance only goes down occasionally. We hit a rough patch last month and paid the amount due, normally we pay much more, all went to interest an nothing our balance is higher than last months. We would love to join this law suit. Enough is enough, this theft must be stopped. GEMB to me are licensed thieves. This is the only company I know that will not give you a breakdown of you bill, how long it will take to pay if you pay just the minimum and the total amount you will have paid if you make the payments stated on the monthly bills. Thieves, thieves, thieves.
Loss:
$5500
2 comments
Guest-251061
Strangely enough no matter how much we pay our balance NEVER goes down. If there is a class action suit against this company PLEASE tell me info. We have been paying on our camper for eleven years with no balance change, calls at all hours if its a day late, rude, etc etc.
centurian L
Randolph, Massachusetts
GEMB has lousy customer service
I have a camper loan thru GEMB and in 8 years only one payment was 8 days past the 30 day limit due to a medical emergency. It now shows up as the only negative on my credit report until 2016. According to the company they do not have a one time forgiveness policy as violates Federal Law (a flat out lie). This is the worst company I have ever dealt with. They call at all hours demanding their money if it is 2 days past due, and are more than willing to screw up your credit if you are late.
1 comment
Guest-288648
I will second this in triplicate. Don't ever borrow anything From
These people, you will be very sorry if you do, I know I am.
All I was trying to do was sell my motorhome
And we could never get a straight answer from them or a written
Payoff from them which caused a definite buyer to leave
And then they sold the loan.
Anonymous
South Bend, Indiana
GEMB pulled a hard inquiry without my permission
Who the heck is GEMB anyways?? They pulled a hard inquiry on my credit report and it dropped my credit score 10 points !!! I am furious I have gone to great care to raise my credity score and do not ever fill out any credit apps anywhere for anything for this very reason and this place pulled my score without permission and have now dropped my credit score . How can they do that without permission ??? Now it will take me an extra 3 months to get my score back to where it was , and all because they were probly trying to get me to get a loan or credit card with them That is such *** !!!!
thomas h Edf
Washington, District Of Columbia
Thomas Herrera California Boat Loan
Bastards call even when my payment was sent 2 days early. VIA online payment. ready to let them come and get the boat. never behind in payment. if everybody would default they would be (@#*!)! I would like to feed these money hungry punks to the lions. and yes they like to call work if your late 1 day. Do you like to sleep in on sundays. not these guys. they call sundays. finnaly told them they have the wrong number solved that. next time they call work told employes. to tell them i no longer work here. yours truly: MR HERRERA
Loss:
$14
1 comment
Guest-216023
I was told they don't offer online payments, how did you pay VIA Online?
Anonymous
Reseda, California
Won't send out payment book or payment request
We have a Monico product financed by GEMB Lending that we made our payment on for 8 years strait without missing a payment. We changed bank accounts 6 months ago and no longer have auto pay set up. I have requested them to send a payment book like we had at the start of the loan with the original lender but one representative says it is coming and the next one says they don't send out payment books. All they want to do is argue over the phone as if they want to take our motorhome away from us. we have tried to contact them sever times to request a payment book and have had no luck. I would not suggest using this company for any loans!
Anonymous
Oceanside, California
They never seem to get payment even after my bank shows the check cleared.
I have never had any problems with my creditors before. GEMB Lending's customer service is terrible. I have been accused of intentionly sending them bad checks. I mail my bills at the same time. They are the only ones that claim they never recieve my check. I put a stop payment on my check because I figured it got lost in the mail. This has happened 3 times. Every stop payment cost me $25. After the late fee date all of a sudden the check appears. They still try and process it. My bank will not pay it because I put a stop on it.
carlos c Xtf
Miami, Florida
Gemb Lending sucks
I have had a boat loan with gemb lending now for almost 3 years. I have send them payments in advance and i have been late before. They are the rudest people i have ever met. Not only they do not stop calling your phone and just being annoying. Now they said that they never received my last month payment. But i paid it through chase that it automatic takes it out of my account and mails them a payment. I will never use GEMB lending again!!!!!! When you do speak to them over they always ask you where is your boat, where do you keep the boat>>>>>>> Never give them the address where you keep the boat...... This company will send a repo just for being 2-3 months late on your boat payment. They don't even want to work with there customers.
2 comments
Guest-531275
harris is a repo guy, hes the loser.
Anonymous
Los Angeles, California
GEMB Lending
I have been reading about the nightmare of doing business with GEMB. First, one cannot inquire on their account on the Internet. Now I know why. I pay all of my bills on line, bank to bank. My bills are always payed early. I found in 3 years of doing business with GEMB that 19 of my payments are posted late, never costing me fees but lowering the amount posted to the principal. They have made themselves extremely difficult to monitor and unfriendly to do business with. I requested a copy of my payments over the tenure of my loan. I was shocked to find how poorly the company works. In one instance, nearly all of my payment went to the interest and the remaining went to the principal because of their delay in posting my payment. So I know why they don't send out monthly bills or annual statements. This way, you don't know how poorly they treat your payments. I'm refinancing at the earliest opportunity. They are a terrible business people. Shame on them for running such a poor organization.
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Email me ... I have a case pending and would like to hear from you.
edahl@***.net
Yeah, I was just woke by a repo team. I have had a loan with gemb for 8 years.
I filed bancrupcy in 2008. There seem to be no problem. I have been making the payments. Never heard a word from them that there maybe a problem.
No letters. no phone call. Nothing. 12 midnight July 19 2011 the repo team just took my boat.
I find out through them that gemb was bought out by another bank. I had know idea. From what I have read.
It does not sound good. So I'm in on any class action suit.
I financed an RV with Thor Credit Corp in 2004. Recently GEMB took over the loan.
In speaking with them they told me I had $30 in late fees on the account. I asked them when they were put on the account & they told me 4-2005; 4-2006; and 5-2007. The company never advised me of this and I am now having to dispute these charges and it is costing me money to develop old check copies to prove these people put these charges on fraudulently.
I am in the legal field and want to have a class suit. What can we do??