I used a Walmart-Discover card to consolidate, with a payment of 238.00 per months on 5/17/07 I got a late fee of 39.97 which was an error and after speaking with Wal-mart they refunded the fee. Each bill after that I incurred a monthly late fee. on 6/15/07 I make a payment of 238.00 and was never credited on my account. I filed a dispute which had to be sent to the dispute office for research, after several months I was credited on 11/07. I called to speak with walmart manager & was told that I need to pay 321.00 and my bill will be current. three days later I get a phone call from GE Money Bank stating I owe 601.00 and was behind of 108.00 and a total payment of 601.00. I have receipts to show that I have been paying on time every month besides the dispute bill.