• Report: #845977

Complaint Review: GE Capital Retai Bank

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  • Submitted: Tue, February 28, 2012
  • Updated: Thu, March 01, 2012

  • Reported By: allan — Phoenix Arizona United States of America
GE Capital Retai Bank
Internet United States of America

GE Capital Retai Bank Reporting invalid information to credit bureaus and horrible customer service, Internet

*UPDATE Employee: We'd like to assist

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    My wife and I are currently in the process of buying our first home and over the last year we have been doing everything possible to improve our credit ratings.  We've had three reports pulled by our broker, one in march/2011, one in nov/2011, and the last in feb/2012.  Everything was going well but on the Feb. report a new item popped up, a Paypal Smart Connect account owned by GECRB showing a 199.00 balance from 2004.  Here's the good part, it is reported as a mortgage on a manufactured home to all three credit bureaus.  This "mortgage" for 199.00 looks like a foreclosure according to our broker.

   Wife says she had a credit card from them but closed it and paid it off back in 2006, and since then we've opened a Lowes card and JCPenny card that are both owned by GECRB.  With this info we contacted GECRB regarding the account in question to find out what was going on.  Started off by a long automated process and then an even longer hold time to finally talk to a Fred, call center loc. Juarez, Mexico, informed us the account was sold a long time ago to an outside collection agency as a credit card balance owed.  When questioned about the item being reported as a mortgage by GECRB he denied the possibility and placed us on hold to speak to a supervisor, on hold for 23min and magically disconnected.  

    We've called back numerous times, totalling over 6 hrs of phone time, talking to people in Juarez, Mexico to Puerto Rico to Atlanta.  We got as far as having a supossed dispute opened with their dispute dept. but the contact numbers given to us to check on the progress are either disconnected or require a "five digit extension to access the system".  Nobody can give us any info to validate the account and now once I enter the account number in their automated system it puts me on hold and eventually disconnects.  We've disputed the item through the credit bureaus and will have to wait to see how it works out with them.  

    Beware of GECRB, horrible customer service and improper reporting to the credit bureaus.
    


This report was posted on Ripoff Report on 02/28/2012 12:45 PM and is a permanent record located here: http://www.ripoffreport.com/r/GE-Capital-Retai-Bank/internet/GE-Capital-Retai-Bank-Reporting-invalid-information-to-credit-bureaus-and-horrible-custom-845977. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

We'd like to assist

AUTHOR: GECapital - (United States of America)

** To expedite your case, please ensure to provide Reference code DM 030112_ror_Allan   **

Allan, 

I'm sorry you're experiencing problems trying to find information regarding this account. We'd like to help. Please email me at gecapitalcares@ge.com with the following information:
 
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
 
For your security, please do not include your account number in your email.
 
Regards,
Nicole
GE Capital
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