Synchrony Financial Debt Collection Complaint

Synchrony Financial Debt collection department,

Credit card Disclosure verification of debt Right to dispute notice not received Missouri

JC Penney/GE Credit incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( - - on -/-/- per fax from him ). - said the bills were returned to GE by the USPS as not received. I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid -/-/- and JC Penney/GE sold it to a credit collector. Upon notice from credit collector, I called JC Penney, and spoke to - -, their Repr., -/-/-, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a $140.00 charge balance on # - account. This never happened. This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave


me angry that GE for JC Penney has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? I attach the fax from GE representative verifying this, along with documentation and communication, over the last 3 years, with JC Penney/GE, credit bureaus and collection agency to no avail so far in correcting GE/JC Penney 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help