All my payments were made 1 month early. I sent my bank statements showing the missed payment was paid to them. They claimed that was not sufficient proof of payment.

I attempted, for several months, to resolve the matter. The alleged missing payment was $250. They would not accept any information and continuously refused me access to a manager for settlement.

After 4 months I was called by another collector, again. This gentleman was willing to research the matter and he discovered that the May payment was, in fact, made early. However, my first payment, also was made early and confused their system since it was not due until April.

Now, in January 2010, I am told this payment was returned for Insufficient Funds. I called my bank for clarification since there were ample funds in my account. This error occurred in February 2008. GE contacted me in September 2009 and the NSF check was discovered in January 2010.

The cause of the non payment by my bank was that I had filed an unauthorized use of my credit card and the bank sent all transactions back to the recipient of the payments with a questionnaire to be completed by the payee, GE Money Bank.

GE failed to complete the form as, at that time, my account was paid in full. I immediately offered to send them the $250 but they refused to accept that amount as now they would add late payment and interest on a no interest account delinquent because of their failure to respond to Bank's questionnaire.

They have now reported a delinquency to 3 Credit Bureaus and turned my account over to a collection agency.

I have continuously offered to pay the $250 since it was their error not returning the questionnaire to my bank. Each time I requested a manager who may have had the authority to accept the payment but I was refused access to any supervisor.