Contacted by mail that we owe $1300 on JC Pennies account (Never had or applied for one). So contacted them next day to clear up their records. They started off nice and then proceeded to tell me if I don't pay today they would freeze my bank accounts and ruin my credit until I paid (including my husbands). I asked for dates and any proof that I even applied for a JC Pennies card. He stated he didn't have that information, but would call me back. My husband went into action and called JC Pennies, who confirmed that we have never had an account with them and they do not outsource their collections. They have their own collection department, and wanted the information of this company so they could investigate. Then called this GE Money back and spoke to the guy and told him he was committing fraud and we were contacting an attorney (which we are) and all he could do was hang up. Called him back to finish conversation and he angrily stated he had closed the account for refusal to pay and hung up again. Today I received a phone message that was in my SPAM folder that he was going to notify my employer! It's on now!