GE Capital Retail Credit Card Complaint

Application processing delay

GE Capital Retail Credit card department,

Application processing delay Maine

I applied for a Sam 's Club credit card at the - Sam 's Club in - on - -, 2015 and was approved for a $10000.00 limit at 14.99 %. However I had a credit fraud alert on my credit reports which I had placed on - - something ( I had unauthorized charges made to a - - credit card for - purchases in -, - ). I have just purchased a house in - -, - but I was still using my old address as well since I had not moved to - yet. Since I did not specify a contact number '' on the credit alert, Syncrony/Sam 's Club wanted to speak to me first and they did at the - Sam 's Club when the Customer Service representative called them and allowed them to speak to me. I asked for the card to be sent to my -


to what was going on with my Sam 's Club card. She called Synchrony Bank and was told that the card was on hold and that they wanted to verify my address, and we asked them to have the card send to my - - - -, - -, - - address as I had moved there from - by then. Meanwhile while waiting for her to speak to the Synchrony reps, I wanted to check my Sam 's Club store credit balance, and it turns out that my account was gone. The Sam 's Club representative had to speak to - separate representatives as the first - had no idea what was going on. I have been using the same login information for over 10 years, and when I did pass the login page, I used to be put to a page which asked me to choose from the - accounts that I had ( - was an old account which was canceled about 5 years ago, and the second - was my current account ). After whatever they did, I could see the old account but I could not see the new -. The Sam 's Club Customer Service representative also found out from the - Synchrony Bank representative that my new - was never sent to me and being processed, it showed as having been opened on - -, 2015, and then forgotten at the processing '' step of whatever they do before they issue the card. It turns out that - of the previous reps she had spoken to earlier ( - - or - - ) to find out what was going on with my card had CLOSED the - and also had deleted my existing Sam 's Club store card '' from my accounts. leaving me only with the closed account from 5 years ago. The - person she spoke to informed us of what happened and helped me re-register my store card online. However now, I ca n't use the user name that I had been using for the past 10 years, and had to choose a new name and I really am not pleased with that as I do n't like to randomly make up new account names for something that I have already been using for years. Anyway, he also said that - of the representatives had closed my card, and after apologizing multiple times, he told me to re-apply again and that it would be processed correctly and then sent to my current address. So I came back to - again to move the last of my belongings ( I have no phone signal or internet access where I live in - ), and as soon as I got internet access, I went ahead and applied for a card again online. After finishing the application process, it gave me a message about being contacted in a few days and that was it. Today, I got the following message : '' The request was judgmentally reviewed and denied for the following reason ( s ) : PRIOR APPLICATION SUBMITTED TOO RECENTLY '' I have impeccable credit with NEVER a single late or missed payment, and I was already approved for it. I am considering taking this matter to court at this time.

GE Capital Retail customer in Maine
Mar 29, 2015

* Source: CFPB Complaint Database

GE Capital Retail response to complaint:
Closed with explanation

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Contact GE Capital Retail

https://www.synchronyfinancial.com/
866-419-4096
950 Forrer Blvd 
Kettering, OH 45420
GE Capital Retail
GE Capital Retail

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