GE Capital Retail Credit Card Complaint

GE Capital Retail Credit card department,

Delinquent account New York

NOTE : The Card number may not be complete as I did not receive the card at all. Around -/-/- I applied for Old Navy Credit card at a store in - NY. The purchases I made that day we paid through my debit card and was not charged to the new credit card. It was just an application. Early -/-/-, while trying to get a car loan, I was made aware that I have negative reporting by Synchrony indicating Charge off and Late payments. I list below the events that occurred and incorrect management of the account by Synchrony. Upon understanding of the negative reporting I immediately called Synchrony. - Synchrony asked me to call - as the account was sold. - did not have the account active on their systemb. Escalated back to Synchrony on what the balance is and why is reflecting on my credit report. Nobody could explain the balancec. Continued follow up until Synchrony had to re-purchase the account back from - - associates. - The account was reported Charge off around -/-/- and - - this Seriously impacted my credit. - With various follow ups I was given to understand that there was a


and I paid $14.00 and change on the account with the expectation that Synchrony correct the report and delete any negative reporting. This was committed by the agent on the call. I never received the credit card from Synchrony. I was told it was returned for incorrect mailing. They did not send me any notifications or statements, nor did I receive any calls. Synchrony charged off my account and sold my account. I also did not receive any notification from the new purchaser. This is complete mis-management of the account and this lead to me having to agree to a high interest rate on my new car. In my - years of credit history I have NEVER been late on any of my accounts and would have not on mere $14.00 if Synchrony had managed the account well. Apart from a few agents at Synchrony Bank, most of them did not care for customer concern even after explaining on multiple occasions, what the background was. Over the last 6 months I would have paid over $300.00 extra on my car loan interest due to this mis-management and credit reporting.