GE Capital Retail Credit Card Complaint

GE Capital Retail Credit card department,

California

I have a JC Penney credit card that is being serviced through Synchrony Bank. In - of 2015 I contacted JC Penney/Synchrony Bank in order to rectify and pay off any past due debt that I owed them. I came to an agreement with them and even received a letter stating that they would accept a settlement offer of $360.00 dated - -, 2015 in order to close out the account. I happily accepted and as soon as I got the letter I attempted to consumate the agreement and pay them off. When I tried calling them to pay off the amount agreed upon, I was told by a - that they could n't accept my payment because they were no longer collecting the debt because it was past the statute of limitations. '' When I asked her to clarify that statement, she could n't clarify it but just said that they would not be taking my money. I asked for an employee ID and she refused. I then asked to speak to a manager and was transferred to a


sent me a letter dated - -, 2015 which is just 6 days after they sent me a settlement offer stating that they were not going to collect on this debt but that they were still going to credit report it! For a few weeks I tried calling them to pay them the settlement offer we had agreed upon but they still wo n't accept my payment. I may not be a legal expert, but I know they ca n't simply refuse my payment because they are claiming they are no longer collecting it and STILL report it as an unpaid debt. That is fraud, defamation of character, and outright Malicious. Not only that, but because they wo n't take my money to clear this debt I am unable to proceed in obtaining credit as most creditors want me to pay this debt before they will extend me credit themselves. Does Synchrony Bank want their money or not? Either they accept my money so I can clear off my debt or they truly stop collecting this debt and stop reporting any balance owed since they refuse to accept any payments. They ca n't have it both ways. Please assist me in this as I am trying very hard to clear up my debt and if you can not assist me then I will be forced to sue Synchrony Bank.