GE Capital Retail Credit Card Complaint

GE Capital Retail Credit card department,

Late fee New York

A TJ Maxx credit card issued by Synchrony Bank at a Homegoods store in - -, NY never handed me any term and conditions. They used my driver 's license for me to apply. They then gave me a shopping pass with no other related information. I used the temporary shopping pass and a few weeks later moved. I called them to let them know I never received a card or terms of agreement so I did n't know when it was due or what the interest rate was. I had them update my new address and take payment. The payment was only - day late, but since they had a note that my mail had been returned and was being forwarded to a new address, they removed the late fee. They gave me information saying my payment was due the - of each month. I called to make a payment yesterday, - -, 2014 around - after I returned home from working and their phones were not ringing, but making a strange sound. I tried several times to call and gave up. Today, - - I called this afternoon only to find out a $25.00 late fee was assessed.


late fee and that they can not reverse the late fee because they did it before. I explained the - part was their error, but she said she could not do it.. I only had a $28.00 balance and now it 's $53.00! Because they gave me wrong and confusing information and because they give you absolutely no grace period.. Not even - day. They also said I signed up for paperless statements when I did not. I searched my email up and down for a half an hour and there are no emailed statements! What a load of -. So this whole time I never even received - statement. I still have no idea what the interest rate is. I called later in the day to speak with a supervisor and they were no help and blamed me for the whole thing. She absolutely refused to reverse any fees. This is so unfair and I and struggling financially right now and ca n't afford to unfairly pay a greed-driven, unwarranted late fee. It was n't even - hours late. I need help this is so unfair. I do n't have an address for them, but their phone number is -. Please help, thank you for anything you can do. - - -