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Posted in Credit Cards
GECRB/SMRTCN credit card HELP!!
I logged in to my account today, and it says that I have a GECRB/SMRTCN card opened up last month, but I never did. I was wondering what do I do in order to figure out how this has happened, and what can I do to cancel that card that I never even opened!?
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Question By
itsmarcnotmark

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Helpful to 37 out of 37 people

Heyy its me again. I figured it out, apparently it is the Paypal Smart Connect Aco**** which is handled by GE capital retail bank. Look at the excerpt below from an email that Paypal/GE capital Retail bank sent me recently.

""This email was sent by GE Capital Retail Bank's PayPal Credit Services Division, the issuer of the PayPal Smart Connectaccount. GE Capital Retail Bank is located at 170 Election Road, Suite 125, Draper, UT 84020-6425, USA.""

Response by
rpluss

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39 People Helped
Helpful to 3 out of 3 people

The same thing showed up on my credit report and I did not sign up for it, but I do remember PayPal sending me an e-mail that I ignored (since I haven't used their service in years)  

HOW DID YOU CANCEL IT???

Reply by
mrbgericke

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Possible Fraud due to Identity Theft
Helpful to 39 out of 42 people

If you have a hard inqury from GECRB/storename (examples: GECRB/Menswr, GECRB/SMRTCN) and you did not apply for the credit card, there is a possibility that someone has stolen your identity to open a credit card account with the store. This is my experience.

Call the store credit card services for help. For example, for GECRB/Menswr, it's the Menswear House store credit card services. Inform them you have a hard inquiry in your credit card monitoring service, but you didn't apply for a credit card, and you're suspicious of identity theft. They will ask you to provide your social security number, and they will tell you instantly if a credit card was opened in using your information. Let them know it was fraudulent, and they need to close the account immediately.

Then request the credit card services to send a statement to the Credit Card Bureaus to remove the hard inquiry record.

You just need to call one of the 3 Credit Card Bureaus (try TransUnion) to put a Credit Freeze for 90 days - this service is free - and the other 3 bureaus will be informed in 24 hours. By putting the freeze, before any bank issues a credit card, the bank will have to call you to verify before issuing the card.

If you file a police report for Identity Theft, and send the report to the Credit Card Bureaus, they will put a credit freeze for 7 years (free service).

In order to find the telephone number to the GECRB store credit card services, call GECRB at 1-800-400-3761, and ask for the store credit card services telephone number. Let them know you're calling to alert the credit card services of fraud, and they'll be very glad to assist.

Response by
ekoh

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63 People Helped
Helpful to 5 out of 5 people

GECRB/SMRTCN is from Paypal and is offered to anyone who used Paypal in the past. I was also sent the email and I've used Paypal a lot in the past. You don't have to accept the offer. Just send them an email and tell them you do not want the offer.

Reply by
nancy117

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Helpful to 2 out of 3 people

Thanks-  I called and they said that a CC was not opened?  

Reply by
dohaley

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hard inquiry by the above...
Helpful to 12 out of 13 people

Mine showed up when I applied for Care Credit to help when my cat broke its leg and needed surgery.  

Response by
krazygirl28

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Helpful to 5 out of 5 people

I believe this was Care Credit for me as well for Dental work.

Reply by
Lolotricity

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Helpful to 1 out of 1 people

same for me care credit

Reply by
tootsiepopsue

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Helpful to 2 out of 2 people

@itsmarcnotmark

Hey I too hve the same question! I see the same exact credit cards on mine with no balance on it though. Did you figure out what it might be? 

Response by
rpluss

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39 People Helped
GECRB/airlines
Helpful to 1 out of 1 people

This just showed up on mine as well, knockme down 6 pts.  It's a hard inquiry with no balance one in 2012 and 1 in 2013.  I have never applied for a credit card or anything with any airlines, heck I didn't even know an airlines had one.  I'm trying so hard to clean things up fter losing my job and to find these 2 things showing up all within the last 6 weeks (when I last checked it), so frustrating.  Not sure if it's identity theft or not, I hope not it sounds like a nightmare that is hard to wake up from.

Response by
usahs

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I can't even get a fricken Credit card

So how the hell can someone else open one up in my name? If I can't legitimately open up an account for credit, I don't see how anyone else could.  My credit is so messed up thanks to my child's mother...anyways, I got this on my **** too and it's bad enuf without having anyone just put stuff on there freely. 

Response by
tmarx88

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GECRB Resolution

If you have applied for a retail credit card, anything with Paypal or Amazon, or a loan for powersport/lawn mower equipement it is probably handled by GECRB (GE capital retail bank). You can literally google GECRB credit cards to find a list, it's public knowledge.  If you haven't applied for anything recently, I suggest you call GECRB's customer service to see if they have any accounts under your social. If there is an account opened in with your ssn you can report it as fraud with GECRB. If they do not have an account with your ssn you may dispute it with the credit bureau.

Response by
blissfully

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I also have one on my credit for the national credit cards/ airlines that hit the 29th of March and u know for a fact I didn't apply for anything that day on the 25th I got a pepboy card to fix my car could this be what it is?

Response by
kittenmama

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I looked Pep Boys is issued through GECRB/ and my GECRB cards I have read something like GECRB/Airlines when it hit my report

Reply by
Tricialea

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Care Credit-for orthodontics

Applied last night and less than 24 hours a hard hit from GECRB showed on my account. 

Response by
LiLZachS6

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. GECRB is also the credit issuer for my CareCredit, Amazon and Walmart cards. THey seem to be credit issuers for many major retail chains. 

Response by
Tricialea

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