GE Capital Retail Credit Card Complaint

GE Capital Retail Credit card department,

Billing disputes Florida

For a billing statement -/-/-, I had a due date of - - in the amount of $100.00. My payment of $110.00 - overpaid ) did not clear the bank until - - which made me 1 day late and caused me to have a $35.00 late fee added to my card. I did not receive a bill in by the - week of -, so I called to confirm that my account had a zero balance ( I was unaware the payment posted a day late and resulted in a late fee ). I was advised of the late payment and associated late fee. I made a payoff payment for $30.00 over the phone. I later found that no payment had been accepted when I got my statement for -. I immediately called and paid $35.00 on - - and asked about why the payment never went through when I did it previously on the automated system and they advised me that they could not pull up records for the automated payment system. They convinced me that it was completely my fault. I then paid off the account balance on - - for the amount of $270.00. I had


When I called the billing department they told me that the system showed my payment on - -. They also told me that on - - it was found to have had an error and the payment did not go through. My concern is that I did attempt to pay the bill before - -. And if I had been notified by phone ( on the - ) of the issue then I could have still paid the bill before - -. After having the issue in -, I have no doubt that I was correct when I believed their automated payment service also messed up with an error for the - late '' payment. I am now showing a 30 day late payment on all - credit bureaus for -/-/- because of this. I have contacted the company several times via phone, email, and mail, but I either get no response or I get told that the automated payment services messing up is my problem and not theirs. The credit limit was also lowered from $1800.00 to $100.00 after these issues. I am asking that these blemishes be removed from my account and the credit bureaus.