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GE Capital


901 Main Ave.
Norwalk , CT 06851

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GE Capital is a company that offers a wide array of credit cards, such as the Wal-Mart and Pay Pal credit cards. Many Americans like you are being contacted by collection agencies hired by GE Capital who are trying to get payments on defaulted accounts. Even though you may owe a debt to GE Capital or the collection agency it hired, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged GE Capital account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.


    1. Todd B. on April 25, 2015 at 8:59 pm

      I bought a washer/dryer from HHGregg and financed through GE Capital. The terms were 0% interest if I paid GE Capital within 24 months. So I set up an automatic payment to GE Capital through my online banking to make sure all payments would arrive on time and the balance would be paid before the promotional period ended. After paying off the balance with GE Capital, I got a statement for over $600 in interest. I called GE Capital customer service and they had split my loan into a couple different balances, each with different promotional period end dates, then applied my payments as they pleased so that they could charge interest. My attorney wrote GE Capital a certified letter threatening litigation. GE Capital finally reversed the interest charges.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.