GE Capital Retail Credit Card Complaint

GE Capital Retail Credit card department,

Billing disputes Virginia

I contacted the company via phone on -/-/- 2015 requesting assistance with my account as I am past due, over credit limit, and was shocked to learn that I was unknowingly signed up for a promotion that has led me to be over the original limit of $1800.00 due to the promotion expiring and me being charged, according to the representative, 42 % interest on the unpaid promotion amount an entire year equaling around $630.00. This has left me with a balance due of more than $2500.00. Additionally, the representative informed me that I have an additional promotion ( that I have no idea how I signed up for ) that is set to expire in - 2015 which will drive this $1800.00 debt to close to if not more than $3000.00. After speaking with a financial representative for over - minutes he advised me that I did not qualify '' for assistance at this time and to try back later, despite being nearly - days behing. I got no answers on how to take care of the unknown promotional purchase and no one assisted futher. After reviewing my finances I sent Synchrony Bank a repayment proposal


to my Synchrony account. The account supervisor informed me that there was no record of a repayment letter included with the payment, and that my account had not been closed. She had no details as to how the company got the check that was enclosed in the letter, but did not receive the letter. The rep closed my account and took some details of what was enclosed in the letter so that she may relay that information to Synchrony Bank. She could not help me with the issue of promotional purchases because she said she did not have access. I tried to call Synchrony Bank directly, but as they have sent my account to collections I am automatically forwarded to the collection agency who can not help me resolve the many issues I am having. I am not denying that I owe what I borrowed but I DID NOT sign up for a promotion and definitely did not sign on to pay nearly - times the amount I borrowed.