GE Capital Retail Consumer Loan Complaint

GE Capital Retail Consumer loan department,

Installment loan Managing the loan or lease California

In -/-/- I took out a - loan from GE Capital. It was transferred to Synchrony Bank shortly after the account was opened. I did not receive statements or invoices from Synchrony Bank. I did receive a call after 60 days from their accounting/collections department requesting payment, at which point I mentioned the lack of statements or details on configuring automatic payments. I received no information on configuring automatic payments or statements, but was contact again each 60 days to make another $630.00 payment. In late -/-/- I got upset and asked that the representative or their manager to assist me with getting my online account setup so that Autopay could be enabled, and that I would make the payment online instead of over the phone. They assisted me with creating my account. I added my - - - checking account to the methods of available payments. I had to clear the outstanding balance of $630.00 before autopay could be enabled, so submitted a payment for the outstanding balance of $630.00. Afterword paying the outstanding balance I enabled the Autopay feature using the same - checking account. After this I did not receive another call from Synchrony Bank until the


balance. The representative had no ability to check on my online account, they were only able to collect the payment. I went and checked my Synchrony account online and even though my bank account is clearly still a method of payment the autopay feature is disabled for my account. On Monday - - I received a collections letter from - - - - -. The envelope was postmarked -/-/-, the letter was -/-/- The content of the letter started off with The above referenced account has been referred to our office for collection. Previous attempts have been made by the creditor to obtain payment of this debt. As of this date, those attempts have not been successful ''. However the account was brought current 2 days before the letter was written, and the outstanding balance was zero as of that date. I found out that Synchrony Bank or - - - submitted a report to the credit reporting agencies and negatively impacted my credit score.