GE Capital Retail Credit Card Complaint

GE Capital Retail Credit card department,

Payoff process California

I have had a Walmart Credit Card for over 8 years. I pay off my monthly charges on the due date. - it was Walmart Credit Card, and - changed it to a Discover Card, and then late last year - changed it to - Bank Master Card. For the - time I made a mistake on my balance, but was not past due. My - Statement Balance due was $2100.00. I then made - payments via - returns of $1900.00, $5.00 & $39.00 totaling $2000.00, leaving a balance of -. I had discovered this error last night and called today and made the $81.00 balance payment online ; however, the credits more than covered the minimum payment. The error I made was log $81.00 as a credit in my payment schedule instead of a debit. - Bank had already charged me a $25.00 late fee & - interest charge for the $81.00. I then called - and my late fee and interest charges were reversed. I just called - bank to tell them of their unfair practices ; however, they hang up on me without speaking to me. When they do n't want to listen to complaints, their system


honest - mistake ; when I always payoff my monthly balance, but my credits more than paid off the minimum payment this month. My other dozen credit lines do not do this. They tell me if I have a credit from the last statement purchase, that it also counts as a current payment. and even though I only had a balance of $81.00 due that I already made, but it really was not past due. - Bank 's convoluted and unfair practice policies, tells me that the credits do n't count as a payment, but yet, my balance was reduced from $2100.00 to $81.00. And then the interested should had been $1.00 on $81.00, not $12.00. This bank is like a foreign bank, and it use to be GE Capital Retail Bank. I am outraged, that my credit card was blocked and that - bank and - is assuming I am past due, when I am not. More and more, - 's bad business practice, bad customer service practice keeps getting worse. I do n't know what they get out of unfair practices leading to the loss of customers. I certainly do n't need to use these credit card when I have other dozen credit cards and credit lines. But as a CPA I do n't appreciate of my credit rights violated or unfair credit card practices. The are such illusive polyarchists that they do n't even have the integrity to publish their address on line. Thus, they do n't even care about their customers.