Sears Credit Card

They have terrible service and no manners. I was reported 30 days past due without any notification. This does not make sense, because money is pulled from my checking account and is put into my Sears card every week. I was behind $350 and when I received my statement 2 days ago, I automatically paid it over the phone. But to my horror I found out they reported me 30 days past due/late a few days before.

Of course, they said that phone calls were made by computer to my disconnected number (my number was changed 2 months ago, I forgot to let them know). I do have 3 kids and my husband had a medical issue last month, so calling Sears did not come to mind. Besides, I was making weekly payments. And no letter was sent to me. It doesn't matter that you make weekly payments and nobody cares nor will they take 30 days off my credit report (can't stand these big banks, by the way did Citibank receive a bail out?). I just wished I received that statement a week earlier and could have avoided the whole thing.

What happened to old fashion service when actual people did the work, not computers? Cancelling this card, I called Sears executive office only to be told that there was nothing they could do, because Sears sold them their credit card business 2 years ago. Sears doesn't care that they are losing a customer. And the girl who answered the phone pretty much laughed about it and hung up because her other phone was ringing. I'm just tired of the way this business treat their customers.

Do not open Sears Credit Card! The Sears card is the most horrific thing you can open in your life. They claim to give you credit for opening a card. I opened it in October and I am still waiting for that credit after calling three times. They may give you a promotion for no interest but be aware, it is only for the one item. If you buy another item, you will get interest on that for the whole year because all the money you pay will be put towards the item with no interest so they can steal all the money they can on interest. I went ahead and returned my prior item because of this. I didn't even care about the restocking fee because of how horrible it was to have this card. I lost 100 dollars but it was the best 100 dollars lost by returning the item due to their stupidity. The company lost 800 dollars, so I don't care.

I have had a Sears credit card for years now. I always paid on time and paid more than minimum balance when we could. I made one late payment and they added hundreds of late fees and finance charges on a monthly payment of $35. And they are calling my home all hours up to 6 times a day. They are being relentless and harassing us and wanting us to let them automatically take it from our bank account!

In the past, I had a Sears Credit Card and if you looked, I always made payments on my account. I used it also for big purchases. 5 yrs ago, my drunk husband, he's dead now, got a hold of it and used it and made where I would have bad credit. I need another credit card. Please, how do I go about that and I always paid Sears on time when I had it.

I have always paid my credit card bills in full each month for the past 15 years and have spent thousands of dollars on my Sears credit card. In November 2011, I was out of town and neglected to pay my bill on time. After my payment being 1 day late, Sears suspended my charging privileges! On Day 3, I discovered this and immediately paid my bill in full. But I was told that the "hold" could not be lifted until my payment was cleared. There was no warning that this could happen, nor is there any warning on Sears' bills. In fact, when I received my December 2011 statement, it did not reflect my payment. And it indicated text within a box which read that my charging privileges may be suspended if payment was not received!

I paid my balance off and ended up with a $.01 credit. It is more than the principal but I wanted it back. So, I called. I was told by the supervisor that Sears does not return anything less than $1 to the customer. Now, multiply this by their number of customers. This could be potentially millions of dollars a year that they are scamming.

I had a Sears credit card since 1985. Every time I went to the cashier, they asked if I wanted a Sears MasterCard. Every time they asked, I declined. One day, I got home, and had a Sears MasterCard in the mail, that I did not request or activate. I just ignored it because I did not request it, nor applied for it. When I went to make another purchase at Sears with my original card, I was informed that it was no longer valid because I had applied for a Sears MasterCard. I called the credit department, and told them that I did not want the card, nor did I apply or request for it. I just wanted my original card, which I've had since 1985. I was advised that I had been misusing this card since 1985, and that's why they sent me a MasterCard. I told them to close the account, and that I did not want it.

Then, another day I got home, and I have another Sears card with a different number. Again, I called and told them to close the account. Now they are claiming that all accounts are closed. I believe that this is a bank or store fraud; sending people credit that they don't request or apply for, and then they send a letter stating some astronomical interest rate, fees and charges for late payment. This practice needs to stop, and should be outlawed. I believe this is the reason why many people get in such financial situations. Is there anything that can be done about these types of practices? I am a concerned consumer/citizen.

On August 3rd 2011, I purchased a washer using the Seas Citibank MasterCard. Then I immediately paid for the purchase using a personal check. The very next day, I found the same washer cheaper elsewhere, so I went to Sears and cancelled the order. After numerous phone calls, on August 13th, I received a letter in the mail wanting copies of my cancelled check and receipt.

Sears claims my refund was processed but as of today, August 22nd, I still do not have my refund.

We have been receiving daily marketing calls from Sears Credit for a month. We told them to remove our phone number from the list, but we kept getting daily calls. We called them and demanded immediate removal of our phone number but was told it will take up to thirty days. We obviously don't want thirty more phone calls so we asked them to note on our account not to call, which they said they would - that was the first lie. The next day, they called again. We spoke with supervisor William ** and told him that we want to close our account. He gave us an incorrect phone number to call: 877-917-2200 (which I repeated back to him); that was the second lie. The correct number is 877-917-7700. Needless to say, we are closing our Sears account because of their offensive tactics.

I will call the Sears credit department tomorrow. But I am so disgusted that I will file a complaint today. I bought various appliances from Sears and opened a Sears/Mastercard at that time. I have been waiting for a bill or statement from them so I could pay. But they have done nothing except they have now filed a complaint with Experian that I have not paid for a month. I can't access any Sears/Mastercard website without an account number, so here I am in a catch 22 situation. It is a pleasure to know that they have the same slogan the company I retired from did. "We are here to deny service and defraud the customer and doing well at."

Hopefully I will find someone that is willing to fight for the customer against worthless bureaucrats.

Sincerely, Stephen **

My Sears card account was opened in 2002, and I had over $20,000 of purchases. It is because I purchased major appliances twice, as I moved into two new houses in the past eight years. As a normal consumer, I get the bill and make payments. I shop at Sears, listen to the sales people and the programs about no interest no payment for so and so years. I say to myself, why not? I should take advantage of this offer and so, I did (twice).

The first time was not so bad. I had about $ 5,500 for one-year deferral, and it was paid okay. Then, I bought a bigger house. I decided to equip it well. So, they increased the limit to $13,000, and I signed up for the two years zero interest/no payment plan. After few bills, I discovered that they actually put me on an installment plan, and not deferral. The stub was deceiving; it says no payment required, and no past due. However, they actually charged my account the monthly installment cost of $406.85, and moved it from the zero interest plan into the 28.8 percent interest bucket.

I was making payments just for other occasional purchases. I did not pay attention to this billing scam! Finally, after six months or so, I called them to inquire. I was told that the plan was reviewed, and the credit department switched me over to installment (well I did not know that). Also, that any payment I was making was put against the zero interest balance, and not against the 28.8 percent balance. So, the zero interest was declining, while the higher interest balance is rising. I was so frustrated. I asked to speak to a billing manager to ask how this could happen without the consent of the consumer, and why they would promise such plan and put it on the consumer if they plan to collect interest from a back-door practice.

Well, the manager had nothing to say, but that Sears plan to sell its financial/credit to Chase soon. It will not be solved by Sears now, but rather wait until Chase take over. I waited, and the bills continued to come the same way. So, I called again. This time, the lady tried to investigate, and she promised me that she'll escalate the issue internally; as she's also personally faced with a similar situation, and she knew who to send to. I felt better as I found someone to relate to with my situation, but nothing was resolved for a couple of months. Chase took over, and the first thing they did is to raise my interest to 29.9 percent.

"I had enough of this", I said to myself. I contacted them and spent the whole afternoon explaining what happened to no avail. They simply refused to take any actions, as the account was sold as is; they are not interested to resolve my situation. I alerted them that I'll complain, and will refuse to make payment until the disputed amounts are rectified or adjusted. I sent more than three letters and a couple of online complaints. No response for many months. Then, I got a call from "Linda", of Chase collection. She agreed that if I pay $250 a month, the balance will be at zero interest until paid off, and my credit rating will be protected. I felt it's reasonable, and I started making payments accordingly for over fourteen (14) months.

On February 2011, I was shopping for a car, when I discovered that Sears/Chase reported my account as bad debt/write off. I was very disappointed, and I called Linda. She was very rude, and she said, "What do you expect? Chase had to write off the interest." What interest? I tried to remind her of the agreement, but she finally said that, unless I have it in writing, it is part of the negotiation. I said, "How is this making sense? I kept my end of the deal and made payments. All I'm asking in return is for Chase to honor such agreement, and to report my payments as agreed. What will Chase lose by doing so? Why would they like to upset a consumer who is making payments?"

I finally informed her that I need a statement of all amounts paid; since the deal was made including ending balance and a paper to state the agreement black and white. She refused. She said, "You'll get a paper making the balance due in full upon receipt." I then informed her that I'll stop making payments, and will settle this legally. Few weeks later, Chase sent my file to a collection agency that has been harassing me day and night.

I have had and still have an account with Sears since the year 2001. I have never been late on payments to Sears, but on May 1, 2011, I received a letter from Sears which states:

We regret to inform you that your Sears card account will not be renewed beyond the expiration date on your credit card. The request was processed by a credit scoring system that assigned a numerical value to various items on your account and credit report. The information did not score a sufficient number of points for approval. We have decided not to renew your account due to the following reasons: Serious delinquency & public record or collection filed, ratio of revolving balances to credit limits too high and number of accounts with delinquency. Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency: Equifax Credit Information Service, PO Box 740241, Atlanta, GA 30374-0241, 1-800-685-1111. Please note, other than providing information that the reporting agency played no part in our decision and is unable to supply the specific reasons why your account is not being renewed.

By the way, I am still paying on this account and have still not been late on payments. Please advise.

I had a SEARS credit card (actually one of those that they force on you when you buy something). But it was OK. On my April 2011 Statement I saw a late fee, and I called them since I did remember that I had paid ALL of the credit cards including this on time. I always pay the full balance way before the due date. I was told that maybe the system had some problem, and it had not gone through! I asked to remove the late fee, and after some time I was told that the account is not eligible to remove that! I was surprised, but since I did not have more time to spend on the phone and the amount was less that 20 dollars I just forgot about that.

Today, I received the June 2011 statement and was surprised to see a late fee of 21.43 dollars on my statement. Note that based on their encouragement, I am paperless, and an e-mail is expected to be sent to be for statements. Since I was extremely sensitive especially after the first late fee to make sure all is paid on time, I went back and checked the received statements and I discovered that they have not sent me the May 2011 Statement. This is FOR SURE! I called them and again the same story. I asked the guy (who was a kind of Spanish guy) to close the account. However, since this has been SEARS fault and looking at this , I think the first late fee should have been based on a similar situation (hope not a scheme to rob customers!), I decided to follow up the case by officially complaining and following it up to save other people from a similar situation. Just wanted to let all know about this. I will keep posting this wherever needed.

When I joined Meetup.com, I used my Sears Master Card account to pay. The account number listed on my billing is Meetup N.Y. I no longer use Meetup.com account, and canceled the account. I did my best to go to Meetup.com at the place where I signed up over the net. I tried to follow what few directions they had to cancel my account. A contact person was nowhere to be found to talk with live about canceling my account. And there was no physical address. After much research and frustration, it appeared that it was cancelled. I called Sears Master Charge and told them that I had cancelled the account and not to bill me again.

I continue to be billed by Sears Master Charge and threatened in spite of canceling my account. There seems to be a way of stopping them from billing and harassing me with letters. They tell me that I need to send them more information before they can stop payment. I have no other information to send them and have tried to explain this without result. If Sears Master Charge is billing me, it seems they would have the information to be able to stop payment.

I was on a debt program and they kicked me off because I had insurance on my account. I was told I was kicked off because of the insurance, so my husband took it off. They sent a new agreement to the debt program on a Sunday, however they did not get it until Monday because they were closed on Sunday. They said they did not get the payment in 30 days because they got it on the 30th day, so they kicked me off again. First I was told that they should not have put me on the program in the first place, then I was told they give you time to get off or take off the insurance. They kicked my off before I even know anything about the insurance. Now my payments are higher than they were before I got on the program and they say they cannot help me.

Back in 1996, my husband paid off a Sears credit card. In 2003, when we decided to buy a house, they said that we still owe them for the card and we had to pay it again just to get it cleared up for the purchase. Then, in 2005, it showed up again. This time, they said that it was a remainder amount of $700+. We paid it, thinking that we should do so to keep our report cleared.

In 2007, I wrote a check that did not clear so they sent us to a collection agency. I paid the collection agency for the amount plus bounced fee. Again, today (2011), I received a call from a collection agency wanting payment for the same check! When I called Sears because I am not going to send another payment, they acted like I was rude on the phone. Bianca in Customer Service talked over me even though all I wanted was the name of the original collection agency they had sent it to, so that I could have my bank find my proof. Anyone else experiencing this situation?

I was deceived into signing up for a Sears MasterCard by the cashier. At checkout, I was led to believe it was an in store rewards card to receive sale prices. At no time did the cashier ever mention this was a credit card. I paid cash for my items, and a short time later, returned to the store to return something and was told they couldn't return my cash. It would be credited to my credit card. Only then did I realize I had signed up for a credit card.

I noticed that Sears is charging a minimum interest charge of $2 on my card even though my balance is very low. I called to have the charge removed but was told that the charge was lawful and was in the contract that was sent out to card holders recently. Is this lawful? What this amounts to is someone like myself who has a $15 balance and is being charged $2 a month is really paying a much higher APR then what is stated and agreed upon. If this is legal it is wrong and needs to be challenged. I am a Sears card holder for 20 years and will be canceling my card.

I ordered 3 items from mail form and allowed my Sears Credit Card to be charged. I mailed the form on 11/16/10 and expected 7 to 14 days for delivery. Nothing has been received as of 12/6/10. Nor has there been any notice of delay or back order. Individual postage was paid for each item, so probably assume each item was shipped separately. Nothing has been received.

They are charging usury fees of 25.24% because of our stupid president. I had a credit limit of $3400.00. I was in a Sears store making a purchase on my card and they denied half of the charge. I called their 800 number and they informed me of a credit reduction. They lowered my available credit limit to $2600.00 on the spot, so I had to put back the items.

The clerk informed me that Sears no longer makes Kenmore products. They sold out to Electrolux, as did Matag, GE, Whirlpool, etc. We no longer make anything in the United States. England makes most or all of our appliances, which they suck at, because they have to sell you a warranty as your receipt is coming out of the cash register! What is wrong with this picture, people?

There is no specific date given when your points expire except for the month for the rewards program and I was waiting to get up to 31,000, which I was able to do by this week. I had called on the 4th of October and my points were still there and they did not tell me at that time that they were going to expire on the "closing date" of the bill whenever that is. When I talked to the Choice Reward people today, they said they expire on the first of the month. It seems that they don't have a clear day and take them whenever they feel like it since my points were still there on the 4th of October. If the points are going to be taken on a certain date, it should be stated on the statement.

I lost 7578 points in a blink of an eye, which totals $7578.00 worth of goods purchased with this card. It will not be easy to make this up and it took me months and months to add this to my points. I was going to get 2 Sears gift cards totaling $300 to buy a clothes dryer and now I don't qualify because I don't have enough points to be able to get that big of gift card. I feel Sears steals your points so they won't have to give you what you earned by spending your hard-earned money with their credit card.

I went to the local Sears store on the due date 8/12/2010 of my bill. I paid the entire balance $8121.17 and was assured that this was the final payment due and the account would be closed. A few days later, I get a letter saying that Sears had to notify their creditors of the closure and it would take up to thirty days. Then I get another bill for interest $125 due 9/12/2010. Needless to say, I'm angry.

I was charged interest after 1 year on a full $800.00 balance, when I only owed $229.00 on the bill. I was told, the one year interest free promo was run this way, but no one ever told me this, at the time of the purchase. I never would have made it, had I known. I was going to remit the $229.00 balance, but now I have an additional $170.00 added on due to interest.

In January 2010, I got a letter stating that my card rates were going to be raised to 25.24 percent. I called them and said I wanted to cancel my credit card due to the fact I do not want to pay the higher rate. She asked me if she keeps the rate the same at 18.24 percent, if I will keep the card. I said yes, and the call was ended. In March (23rd I talked with Sahaira), I told her that my rates were supposed to be 18.24 percent. She said she would take care of it, that it would take a month or so to correct on the statements. On July 27th, I talked with Veronica 2 times and was told they were sorry and they would correct this, and that it would show up on the next 2 statements. I got my new statement yesterday and nothing has been done. Now I do not know where to turn from here. I have already talked to supervisors there.

I have continuously paid my account on time. Last month, I misplaced my statement and sent them what I thought I owed. I was $30 short. I arranged for them to debit my account for the full amount of $441. They proceeded to debit my account. Not only did they lower my credit rating, but they now said that because my credit was lowered, I am now over my credit limit, and they were now requesting over $500 for the minimum payment. Because of the new rules by President Obama, I wanted to know if I have a case. If you are over $2, Sears will charge you an extremely high interest rate so that you can never get the account down.

Sears offered what seemed a small advantage if I would apply for their credit card and use it for my purchase. I did so, expecting about 10% discount off my $500 purchase. From the start, Sears played slight of hand. I later learned that the "no payments for a year" offer did not mean that. It meant no interest added to the payment but the payments came due at the close of 30 days, when Sears added $35 late fee. I paid attention because of the bill collector phone calls. That's when I focused on 25.24% APR that applies to Sears cards. When I called, I learned that Sears charges $15 for taking phone payments. I am fortunate to have enough cash to pay in full and I did. In my experience with Sears/Citibank, I believe them to engage in predator practices like 25.24% APR. Such high rates are not good for America.

I have made bi-weekly payments to this company without fail. I've had it set up so that they are paid regularly through my on-line banking system. Even though they are paid bi-weekly $15 payments equaling $30 per month, they still continue to charge me a late fee of $39.00. Awhile back, I complied with their stupid request to "bring the account up to date with a larger payment" which I did, and still, every month on my statement, a late fee is charged. This is really frustrating. I've talked with any number of their "reps" and nothing changes! You'd think they'd be happy that they are getting money on a regular basis, but with this late fee charge every month, my balance isn't really going down. Can you help to get this resolved?

I have been unable to log in to my account for several months, but I am unable to find a reason for it. Monthly statements stopped in April of this year for some unknown reason. When I try to get information about the account, the phone call is dicontinued. I can make payments at a local Sears store, but they do not have the balance due available to them. The card is expired but a replacement card was never sent. I just want a monthly statement. The result is: unable to determine a balance and make timely payments, resulting in late payments and charges.

I have an agreement with sears to debt my account for $46.00 a month. They have missed taking this payment out. I received a letter stating that I terminated this agreement, I did NOT! They also state that they will reinstate interest, fees, reported to the credit agencies. When I called to find out what is going on, I was transferred 6 times and finally Lisa just disconnected me. At this point if they can't get it together they can sue me. I have nothing, no job, no unemployment, my house is in default. If they can't run they're business legally, they don't deserve payment. I have dealt with these idiots for 5-6 years trying to work with them, everything is ok for awhile then they do something on their end to mess it up.

I just want to pay what I owe and NEVER EVER do business with Sears again. I also bought a stove from them that they ran through their system, before we left the store the salesperson told me they would have to run it again because the system wasn't working correctly. The next day they ran my order again. I was charged for 2 stoves, 1 stove delivered (they couldn't check their delivery receipts to see how many stoves were delivered to my home. I have never been reinpurst for the other stove that I never received. I have all the paperwork showing what they did, and still I can't get my money.

I am a building contractor who has had an account with this company for 20 years.

I checked my bank account on June 1 and the 17,000 is gone from my account...everything is good right? No...I tried to make a purchase again on June 3rd and was declined again. I called Citibank and I was told first by one rep that he was going to put me on the line with another rep that would call my bank and verify the funds and remove the hold from my account. When I got that person on the line, they told me that they were not able to see if they had been paid and would not call the bank to verify. I told them that they were not in the right to hold my credit because they had taken money from my bank I should have the credit. I was informed that my account would have a hold on it at least to June 7th.

I have upheld my end of the bargin in paying my bill but Citibank is in breach. They have no right to suspend my credit when I am current in my payments. What do I do?

On or about February 2010, I received a statement from Sears Credit showing a $30 membership fee that I allegedly owed. I immediately sent the company an inquiry of this charge and stated that I was under the impression this account was closed several years ago. Sears Credit responded to my inquiry stating they closed out the account and that I owed the $30. This company never did answer my question first involving the account status when this charge was debted nor responded to the validity of the the account's prior status. I would like to know who re-opened this account? To make matter worse this company has send me subsequent statements adding late fees and interest. I feel I fulfilled by obligation by responding within 15 days of receiving the initial statement and have been ignored with my inquires. I feel this is an illegal act. Would appreciate your help. I hope and pray this company does not try to tarnish my credit report. Also to add late fees and interest is just an insult.

I applied for a credit card and was denied and that is fine, but please continue to read. The reason stated for the denial was because I had been under a Chapter 13 bankruptcy. I paid the full amount and it was discharged 5/09 but the strange part is that while we were under the plan, my husband applied and was granted a Sears card. He does not even work. He is retired. I have a job.

I paid every penny of the money for the bankruptcy and have been working hard to reestablish my credit and no one wants to give me a chance. So can you please explain to me how he got a card when we were still up under the plan and now that I've worked hard and paid it off and it has been discharged, why I can't get a card? My husband's name is Floyd D and I feel that I have been treated unfairly. Thank you.

In Sept 2009, I bought a washer and dryer from Sears. I know Mr. R who happens to be the store manager. I set up the account to be paid in full in one year with no interest charge. I inquired about the free delivery special they had at the time and he said that I did qualify and there would be no charge for shipping. We finalized the purchase and I am well pleased with the set I bought. As soon as I get my tax refund, I will pay the account off in full.

Today, I received an email that stated that since I opted for the one year same as cash deal. I was not supposed to receive free shipping. It is now March 24, 2010 and my purchase was in Sept 2009. I live less than one mile from the Sears store and cannot imagine why they would now decide to charge for delivery. Could it be because I haven't paid the bill yet and they want some interest paid on the account? I bought from Sears due to the special of one year same as cash, the free delivery and because I know and like Mr. R. The ref#H090666 was given on the email I received.

I just can't believe a company would come back on a customer six months later and change the terms of a purchase. It will be like paying interest on the account in lieu of the free financing for one year. I am on a very tight budget and make my decisions based on quality, cost and my budget and this decision will be a hardship for me. Please let me know if I can do anything about this. It just seems morally wrong and not right. Thank you.

I have talked to numerous individuals by phone (who would not give me their names) and have written several letters requesting to set up a method of early pay off of my credit card account. I tried to opt out of an interest rate increase ask for an early pay of plan. As required with February of this, they have to list or give me that information. My first letter to them was December 20, 2009, I ask they send it in writing or by email. I was told on the phone no such letter or email would be written. It has not been given on any monthly bills I have received.

I have continued to pay on the bill and they continue to add fees to which I have objected.The effective date of change in interest was 01/14/2010. I received notice on 11/30/2009 and the bill due 12/08/2009 on 12/01/2009. I wrote my letter to opt out the date I received the bill 12/01/2009 with the new increased interest rate amount and requested my account closed at that time. I told them by phone I would not pay the new interest and requested my account closed. Second letter 12/20/2009, third letter 03/09/2010. They are gangster the way they do things. The last bill for 03/2010 did not have any information on early pay off nor have I received any in the mail.

On 1/26/2010, I spoke with Mark at Sears Credit Card Services about the calls I was receiving from Sears which were every 2-3 minutes, starting early morning on the 26th and the last call being at 9:30pm EST. I was told that the calls were because this was the 9th day past my due date and they had not received the payment (according to my bank payment it was sent on 1/24, I later discovered that payment was received at Sears on 1/26/2010 but had not been applied to my account when calls started). I had been paying $50.00 to $100.00 each month on Sears Credit Card with minimum payment being approximately $20.00 per month.

I was charged a late fee of $39.00 on the 9th day of my card being late. The late payment was removed and was told that the amount due was now $28.33. So, I sent in a payment of $28.33. I just received my current statement and found that Sears received my payment on 2/8/2010. The payment due date was 2/16/2010, but I was charged a $39.00 late fee again.

I called Sears Credit Card Services again and found that I was charged the $39.00 late fee because I did not pay the minimum due payment that was printed on the previous statement, even though the prior late charge had been removed. This is a ludicrous way of doing business. I am now going to find a way to pay off my Sears Credit Card balance and will never do business with a company that does business the way that Sears is now doing business. I will cancel my Sears credit and will be a vocal opponent to Sears from here on out.

My problems with Sears began in the billing department. I bought several appliances in a "package deal" with a discount and deferred payment for a year. I never received a statement from Sears stating the total amount owed and the payment in full due date.

b) That the full amount was due in 2 days time

I have worked for organizations that deal with customer addresses for billing and solicitation purposes and am fully aware of the resources/services used by companies to verify and correct addresses especially when money is owed. Additionally, they had my correct address on file for both delivery purposes, and promotional mailings. Very upset by these practices, I had a heated exchange with the representative. They grudgingly extended the due date for the payment one month.

About a week and a half later, when I still had not received a bill from Sears, I called again, and was told that my account had been cancelled. They could provide me no explanation. A "manager" claimed that an automated letter stating the reasons had been sent to my address. Interestingly enough, they still had the incorrect mailing address on file, and they also claimed that the letter could not be reproduced or re-sent to me with the details on why I had been cancelled. I had the account for 10 years, and the only balance on it was from the appliance purchase. The representative snidely suggested that it had been a problem with my credit, and told me to contact the credit bureaus.

When I contacted the credit bureaus, I found no changes in my credit rating or history (which is very good) nor any black marks that would have caused such measures. Also interesting, I received an offer to increase my credit from Home Depot not a month later.

I finally received a bill from Sears another week or so later, along with a letter from Sears stating that I had been the one to cancel my account, which was not only interesting, but totally fictitious.

Right before the warranty on my Kenmore Elite, Dual-Fuel range with electric convection oven (Model #: 79046633603) was about to run out, I finally figured out that the oven was running too cool when in convection mode (causing under-cooked items and I thought it was me!).

Initially, when the Sears repairman came to the house, he watched everything turn on, said it worked fine, and tried to leave without further testing, dismissing my concerns. At my insistence, he finally tested the temperature, and found it ran 40 degrees too cool. The repair was made at that time.

Not 11 months later (still under 2 years of ownership), I was broiling some items when the touchpad (that controls the broiler and oven) "froze". It started flashing F-11 and beeping maniacally and the touchpad was unresponsive. Fearful that I could not turn off the broiler, I kept frantically tapping at the keypad until I was finally able to get it to disengage using the back of a utensil. I had to unplug the stove since it continued to beep and flash the F-11 code. This continued every time I plugged the stove back in to use the stove top (thankfully, gas).

As the less than 2 year old stove is no longer under warranty, I have not had the money to repair this problem. I have done some searches online and found others that seem to have had the same problem. I have not been able to find any information that indicates this model is eligible for a recall, which I find incredible.

Upset and harassed by Sears "customer service" and financing, then stuck with a stove with ongoing, now dangerous, heating issues, has been a stressful and upsetting experience. It really took the joy out of finally getting my "dream kitchen" and I take no satisfaction in the fact that so many others have had similar experiences when dealing with Sears and their products.

I am greatly disturbed that you have started charging an annual fee on your credit cards. I have been a loyal customer and card holder since 1973. I recently purchased a TV on your extended plan and when I received my bill it had the annual charge on it. I find it appalling that you would treat good customers with this lack of respect. I use my card as intended when I need a big ticket item and you offer extended terms. I did not request nor do I really need another MasterCard. You just changed me and charged me. I called today to get my old Sears card back that was not a MasterCard and they told me that if I did not want to pay the $45.00, then close my account. Great way to treat a loyal longtime Sears customer.

I got a credit card with Sears in 6/2008. I made a purchase and had been paying way above the minimum each and every month. The balance never seemed to go down more than $20 to $30. How is this possible? Then after a year and a half, I decided to use the card again, and again in 10/2009. Again, making payments well in excess of the minimum (minimum being approximately $20, paying $100 per month).

In 1/2010, payment was 9 days late getting to Sears. I began receiving delinquent calls from Sears. On the 9th day with many of these calls being 2 and 3 minutes apart, and Sears had applied a $39 late charge to my account. This is absolutely ludicrous and a sorry way to do business. I understand that there are individuals that are having financial problems, but to insult and penalize all customers is a fundamental way to lose business. I will be paying off my balance ASAP and never do business with Sears again. I wish to extend a warning to anyone thinking of doing business with Sears via credit to think twice about it.

Sears, like many creditors these days, are using new strict rules concerning credit limits. I have been a Sears cardholder since 2000 and have had a healthy credit limit for 9 years. Last month, out of nowhere, my credit limit was reduced to $3200. When I call, they tell me that it was solely based on a credit report that said I had too many cards with high balances. So I asked, "Is my payment history taken into account? " The response was yes. I asked, "what is my payment history?" Response was "excellent. "

Obviously, my customer loyalty means nothing to these people. Not only are they totally rude and incompetent on the phone, but they are cutting the credit lines of customers that pay the most interest, and pay on time! Because of this new decision that Sears credit made, my credit score will be negatively impacted. Citi/Sears has left such a bad taste in my mouth, I will never shop at Sears or that dump K-Mart ever again. What a disaster of a company.

Changed my credit card rate to 25% from 17% and elected to opt out which closed my account. They still are charging 25% on the balance. Every time I call they say next cycle or a computer issue. Excessive interest paid.

After requesting a credit report, I observed that someone used my name and Social security number to obtain a sears credit card. The balance is over $6,500.00. Please help me!

I went online to check my credit score for the first time. when I finally get through to Equifax it says I had sears accounts that I owe money to. The thing is the years it says my sears accounts were being used was in 2003-2004, which would make me 13 years old. I dont see how this could really happen.

The customer service person stated the card was closed in 2008, unaware to me. I asked to speak to a supervisor and explained what had occurred to her. She stated that there was nothing she could do then she hung up.

Upon calling customer service again, and again getting connected to a supervisor, she stated that a letter was sent out in 2008 stating "due to inactivity the cards was closed".

I told the woman that I never received the letter and checked my account last week and it did not state my account was closed. I explained to her that Inept the card for emergencies for big purchases, as like the one today.

To purchase something that was seriously needed. I told her that I had children home and needed to cook for them. She did not care.
Basically she said the letter was sent out and if the post office lost it or was not delivered it did not matter. I have had an account with sears since 1987.
This was an outrage that a credit card company would treat customers like this. I explained the situation again and it fell on deaf ears. She said simply apply again.
I told the woman why I have to be put through this since I was not delinquent, nor had a bad credit standing.
That I underwent a divorce and that I probably would not be able to get approved.

I said to the woman that this was poor customer relations, that Sears would treat their customers like this was wrong. She said that is your opinion.

In speaking to the sales persons there this is not the first time that Sears has done this to their customers.
A company that has been around for many years and almost bankrupt would treat their customers who have had credit accounts for over 20 years.
In today's age as hard as times are to walk in to a place thinking you had an open line of credit to make large purchases to find out the company closed your account is the utmost embarrassment.
I did apply and was approved for 500.00 just enough to cover the expense to the kitchen stove @ 26% interest.

I can say that any chance I can I will tell people who shop at sears about how the company really cares about their customers.

So as far as I am concerned, Sears will never receive any more of my business. I am retired and on a fixed income, and yes I blew it, this was my first major purchase after 38 years of marriage ending in divorce, so it was very new. Live and learn, don't trust anyone, even Sears. Read it twice to avoid this shark attack.

On November 13, 2009 I was told by Lorane in the appliance department that if I make a purchase over $399 and open a credit card account, I will get interest free for a year. This never happen.

She then told me that the card is only giving $300 and I will not get the interest free for a year. I went back to Sears on November 14 and request to have the entire order cancel and the credit card cancel. (The purchase a stove never leave the store). Lorane never provide the credit card company with the cancellation information and I did not receive from Sears and document showing the item was cancel since I have provided a down payment on the item.

I called to talk with a manager at the store and was given Lorane the sales clerk who did not know how to handle the situation. I request Lorane to transfer me to a manager which she attempt hang up on me. Later call back and said that all managers were busy she will have one call me back in 10 minutes. It is now over an hour I am still waiting at the phone for a call back to clarify the credit card issue since no one at Sears called the credit card company to cancel the sale. I would like to have the credit card cancel ASAP and no annual fee attached

Talking about company helping worsetening the economic problem on consumers by sending them credit cards, basically bating them to screw thier finances. I don't want one, did not ask for one but yet they send you the card.

My wife purchased a sears vacuum cleaner for $175.01 on her sears credit card. I mistakenly submitted a $175.00 payment. Sears is now charging me $2 interest on the 1 penny. I called customer service and was told they could not remove the charge. So the interest rate at sears is now 2000%? I think everyone should know what type of a business sears is becoming.

I've been a Searscard holder for 19 years, yet after being ONE DAY late on a payment, they hiked my rate to 29.99%. i called and was informed that rate would stay in effect for 12 full months and no there was NOTHING they could do about it. With little other choice I gathered up savings to pay off the balance. The next month instead of reflecting zero, my statement had $107 in FINANCE CHARGES. I wrote them a letter disputing the charges, they wrote back (rather quickly I might add!!!) and said no, they could do whatever they want. Again with little alternatives, I paid the balance again, having misread the amount by ONE CENT. Sure enough on my latest statement, they CHARGED ME additional finance charges and now the balance is $2.35!!!???? I am absolutely appalled at their business practices, irate at such reprehensible and callous treatment. Unfortunately I still have a Citicard, which I opted out on earlier, that has a balance and when I contacted SEARSCARD to close that account they simultaneously closed the Citicard account and immediately reported that on my credit report.

We have been customers of Sears FOR YEARS and have always paid our bills. We decided to get a debt consolidation loan to pay off our larger credit card debts. We sent, before the due date, the entire amount of our balance as of the last billing statement. Well, the next month comes with us still owing a balance that was from interest of the previous month! The other companies we paid off did not charge us for interest when we paid off the entire balance as the last statement. Why is Sears different?

I called customer service and was pretty much told, very rudely, by one of [their] supervisors, that "that's too bad we will not write it off for you, you will still have to pay that also." Well, considering we are hurting that's why we consolidated, I sent in a smaller payment because I don't want our credit ruined that we have tried so HARD to keep clean!

We just received another billing with more added interest! What is wrong with [them]? Do [they] not care about[their] customers? I have also ordered from catalog on line and had to return some of it and was never given correct credit for it despite repeated attempts to correct it! We are in need of a new refrigerator and although we have been long time customers of Sears I think we will get one elsewhere.

I'm so frustrated with sears right now. I purchased a three pants in the June 11th 09 and was supposed to receive a rebate for $50. I have mailed it June 16th 2009. It's been 4 months and I still haven't received anything. Every time I call the sears rebate center, I speak with a person who can barely speak English and can't understand me, I can't understand them either. This is after I wait on hold for over an hour. I have never seen such poor customer service. I'm so surprised that Sears would treat their customers this way. After investigating online, many others have been through the same thing. It's some sort of scam. Sears rebate wants you to fight for the money, hoping that you'll give up and they get to keep it. Even if they do eventually send it they've made $$$ off the interest of holding your money for so long. I am so disappointed in this company. This will be the purchase I make from this store. Lately I found some one she told me I am not qualified because I have purchased something else, I didn't get the thing right what is wrong from my site. I have the rebate receipt copy with me

Back in 2003 I opened and never used a Sears credit card. Six-years later I look onmy credit report and found the following information but can not find contact information on these people. I found that other folks on the internet had the same situation, it says I have a blance but I never used the card...EVER. PLEASE HELP.

I just wanted to inform that due to this decision on the part of sears we will no longer be a customer of sears or kmart. We will not buy anything even as small as a screwdriver or a pair of gloves. We are in process of negotiating a payment agreement with the other credit company and find it still hard to believe that sears has decided to punish us this way when the end result is that you lose a customer permanently.

My husband, passed away on April 08. It was his credit card and I had a card under him. No letter was sent to me regarding payment or information on the deceased.

In the meantime, the account is under investigation according to customer service. It was turned over to the Recovery Probate Department.

Now, I have not been able to make any purchases with any of my credit cards due to this situation.

At this point, I don't know what else to do.

I have had endless problems with my local Sears retailer and with my Sears Premier Gold Mastercard; here I describe two, non-related problems. Yesterday I noticed on my Sears Credit Card bill that they had jacked my interest rate up to 29.99%, probably because I was a few days late on a payment within the past 12 months. In other words, Sears saw me being a couple days late after being a faithful customer for over a decade as an excuse to commit usury.

I called the number on my bill and complained about it. The representative, a man named Denzel (sp.) said he would put me on hold in order to "submit a request for review", whatever that means. While he had me on hold, I noticed a charge on the bill for $25 for a "Rewards program" that Sears apparently "offers." I had never requested or authorized the charge. When Denzel returned to the phone, I told him about the charge and that I had never requested it. While I was speaking, Denzel interrupted me to tell me that the only way the charge could have appeared was because I had called them to request it. I asked him to please wait, I had not finished speaking.

He interrupted me again, when I tried to explain that neither my wife nor I ever called to request such a program in which you have to pay to get a reward, and I said to him, "Please stop interrupting me." He yet again interrupted me to tell me that he "highly doubted that I had not called up" to request the charge. In semi-polite language, in other words, HE ACCUSED ME OF LYING when I said I had never requested to be charged and signed up for the program. During the entire call I remained polite and calm while being railroaded by Denzell, the Sears employee.

I asked to speak to his supervisor. I said I did not appreciate being accused, even through insinuations, of lying. I said that as a paying customer whose payments help pay his salary, his rudeness made me angry; after all I was paying him, he was not paying me. I told him I resented being interrupted every time I attempted to say something to him.

I am not exaggerating; as soon as I brought up the fact that I had never requested to be enrolled in the rewards program, and had never authorized a charge for it, he began interrupting me every single time I spoke in an attempt to stonewall me and cover up the fact that Sears had illegally placed a charge on my account for the company's own benefit. I never lost control of my composure during the call, and never failed to demonstrate courtesy and respect, yet he accused me of being rude to him, and that I had been interrupting him! The expression Denzel used was "This is a two-way street." As far as I could tell, Denzell was driving the only vehicle, and it was a steam roller headed straight for me on a one-lane, one-way road.

People and companies that make a habit of lying to their clients, and that practice usury, often use the old "smoke and mirrors" routine, stonewalling, or bullying tactics, to attempt to wear down the abused client and steal his money. When I demanded to speak with a supervisor, Denzell adopted an indignant and condescending tone (more bullying), At this point he put the phone down, ostensibly, yet with no warning, to get a supervisor to speak to me. At first I thought he had hung up on me. I am glad I waited on the phone on the chance that Denzell had not actually hung up on me.

The supervisor, Ashley, informed me that there was no way to register a complaint! I have never heard of a company in which customer service plays such an important role and yet the company lacks any means of addressing customer complaints. At this point I realized that I was dealing with something very bizarre indeed.

Ashley apologized for Denzell's rudeness, and informed me that since I had been such a loyal Sears customer over the years, that the review would likely go in my favor. I also had her double check to make sure Denzell didn't exact vengeance on what he perceived as MY rude behavior, (at this point I wasn't discounting the possibility that the gentleman might be a paranoid schizophrenic and had done something terrible to my account records in a sick attempt at "getting even" with me for some reason. Fortunately he had done what I requested, submitted the interest rate for review and unenrolled me from the program and refunded the cost of it.

Denzell needs to find some more fulfilling line of work; I sincerely hope I never have to deal with him again. I plan on closing out my Sears account and never shopping there again, not only because of this experience, but because of the other experience I said I would recount in this letter.

Months ago, I took my car in to get the brakes repaired a Sears. All the car needed was new brake pads. When they called me back to inform me of the dollar amount of the estimate, they told me it was going to cost me in excess of $600! I had to pay an estimate charge to get the car back. I replaced the brake pads myself for only about $100. They told me all kinds of things were wrong with my car. So many things wrong with the brakes that I can't remember them all. My mechanic friend looked at it and his comment was "They are robbing you, I'll help you do this and charge you nothing. Just get the parts." Which is exactly what I did and the car has been fine ever since.

WHY DOES SEARS LIE, CHEAT AND STEAL AND NEVER HAS TO PAY THE CONSEQUENCES? There must be a way to make a formal complaint with some person or organization which can effectively address this matter. If anyone can help me I would be most grateful. I am not the kind of person who goes out of his way to complain about things, I usually let things slide and chalk them up to the fact that anyone can have a bad day at work. This, however, pushed my buttons, and was going to cost me money I can't afford to spend now. In the words of Mr. Filtch of Hogwarts School of Witchcraft and Wizardry, "I want to see some punishment here!" Thank you for any help you can give me,

Received current credit card statement for review. The APR jumped from 12.08% as of my last statement for February 2009 cycle date to 23.99% as of my March 2009 cycle date. The account was in good standing and paid on time. I called customer service and questioned why the rate doubled and was told that it didn't double it is at 23.99%. Near doubled. They told me that due to the economic times that the rates had changed. I asked what could be done. I was told nothing!

Payment nearly doubled!

In a period of 2 months my interest rate on my Sears card went from 19.9% to 29.9%. I am told that I had 2 late payments within a 12 month period. The first in 2008 was a Sears screw up, acknowledged to me as such and late charges reversed, apologies made for having my bill and not posting it in time. I was told it was fixed without any penalty to me. Feb 2009 payment (sent electronically) the Friday before a holiday weekend and didn't post until the following Tuesday making it late. I called customer service and was told nothing can be done. I told them I would never shop at Sears again (after 18 years) and was told "I am sorry you feel that way, but there is nothing that can be done. Citibank handles our bill collection". If so, they are not serving you well...You have lost a longtime customer.

Phoned me everyday regarding a collection on a Sears account. These calls were made to me at home and at my work. On March 25 or 26 of 2009, Molina threatened to call my employer to report my credit collection. She said they were not garnisheeing me, but just wanted to let my employer know. I mailed them payment of my account, I was then contacted by them saying that this was not acceptable. I had to pay throgh a bank or online and then call TCR with a confirmation number.

They keep harrassing me for a charge that I never made at Sears. This charge is past the statute of limitations.

Okay, I order an item from a sears order foem that I got with my bill as of 6-08. The next bill I got, they billed me for the item, but I did not receive the item. I called the Sears Credit Card and they gave me the number to call to report that I didn't receive the item. I called the number and told them that I did not receive the item and I wanted credit on my account. They said nno problem I would get credit onto my account but it would take up to 30 days. So the next bill I got it showed that I have received credit onto my account but I got a late charge fee during the time that my credit card was being credited for the item I did not receive.

I called Sears Credit Card and they noticed that I received credit and they would remove the late charge fee. The next bill I received in the mail showed another late charge fee on the amount of the other late charge fee. I know this is complicated but bear with me. I called Sears Credit Card again and compained of being charged a late fee for a late fee. I talked to a guy by the name Warren, I got frustrated and said What does it show how much I have to pay to clear up this account. He said $26.83 and wanted to know if I wanted to pay for it through the phone per checking account. I said Yes and would my account be up to date with a zero balance and no more late charge fees and he said yes my account would be zero balance with no late charge fee.

The the next bill came and there again I was charged a late charge fee on the last charge fee. I called Sears Credit Card and disputed the charge and the woman told me she understood and could see on my account the problem it was having and would give me credit of the late charge fees. Later about 2 weeks my husband answered the phone and they told them that my account was late on payments he wanted to know how much they told him and he tried to pay for it on his checking account. When he told me what he did I called the bank and stopped that payment to be made because I was told it would be credited with a zero balance.

This problems keeps going. I received the next bill and it showed that my account was not credited and Sears kept on charging my account late charge fees. I called them again and was told the same thing that my account would get credit on it and not to worry. The next bill I got showed the same exact problem No I did not call Sears because it is useless. I don't know if I should give this to a lawyer or just forget the whole thing.

This problem is wearing me out. I have good credit and always pay my bill on time. BUT I refuse to pay for a constant balance that begun with a Late Charge Fee

Good morning, I received my Sears bill on February 28,2009 and when I opened it I noticed that my account balance was DOUBLE. I immediately looked at the bill to see if fraudulent charges were made on my card. It was actually the FINANCE CHARGES for a couple of deferred interest items I purchased about 2 years ago. I immediately contacted the Customer Service department to advise them that I just received the bill, and if there was any way that I could pay the balance IN FULL, ON LINE, prior to the accrued interest charges. They said no and I asked for a dispute contact. She gave me the information and then proceeded to tell me that there WAS a 15 day grace period, from the expiration date of the offer, to pay the amount in full, HOWEVER I was too late (of course I was too late, I just received their bill on 2/28/09!).

I also did not receive a letter from them, stating that the terms of my account were going to change significantly. I sent my appeal letter and was informed today (after I contacted THEM) that it was not the BANK's fault and that that amount would stay as is. This now DOUBLES my indebtedness. I have been a long time Sears customer and I have EXCELLENT credit. I cannot believe that they would not allow me to pay the amount off, especially since I received the bill late, offered to pay the amount IN FULL, and ONLINE, so that payment is made IMMEDIATELY. Are there any laws that protect me?

The amount I owe Sears is now DOUBLE, and that does not include the interest (21.4%!!!). Things are tough enough, as it is. I don't want a hand out. All I want is to be able to utilize my grace period (having received timely notification), and pay my balance IN FULL, without the exhorbitant finance charges. Thank you.

I have a Sears Gold Mastercard, I have been billed $4.64 each month for the last two years. This charge on my account is under the name of accountcare. I have requested it be removed and never gave permission for it to be added to my account.

I am visually impaired, in other words totally blind. I would never give permission to anyone to add anything to an account. My wife takes care of all my financial affairs. I live on a fixed income.

After 20 years, my Sears card was cancelled 3 weeks ago WITHOUT any communication or notification to me, the loyal card holder. I had intended in 2 months to purchase $9,000 of new applicances for my new kitchen (under construction). NO COMMUNICATION!!!!!!!! How is this legal? And if it is,,,,,WHY IS THIS LEGAL? This is a slap in the face to customers. Sears needs me....I refuse to shop there any more. It is Sears responsibility to handle relationships with their banks, i.e. Citibank. Something could have been done and should have been done to alert customers their cards might be closed. I was insulted that the rep offered to me as a solution to reapply for a Sears card, ha ha....what? I'll probably have lower credit line and higher interest rates....

I have called Sears several times and told them that he have not sent me a bill. I went to the store and spoke to a representative and they supposedly updated my information but I still did not receive a bill. I called and spoke to a representative who said that they updated my information in the computer. Still no bill, is this a ploy to charge me late fees.

I purchased a motor for my Bike. When the motor arrived there was no packing list, no instructions and the box was opened with parts hanging out. I took a picture of it and put it back in another box and sent it back to the company, which is no longer in business at this time, but was when sent back. I sent it Federal Express thinking that it was a business and that there would have to be a signature. The Owner? said that he never received it. We said that it was sent and dropped off to the address on website and on box, we have the receipt from Federal Expess that it was dropped off. He said on a email that he would get it...no problems. He never reversed the charges which he said he would so we disputed with the credit card. They reversed the charges.

Then not asking any other information, then three months later they put the charges back on my card. I contacted them and said that I was not happy with that. We sent all the emails correspondences where he said he would take of no problems. When the charge was still never reversed, I called and they said it was too late. The company is now out of business, there is no web site and the phone numbe is no longer valid. I think they reversed too soon and then realizing the company was no longer in business and they could no longer recoup costs so they made me eat the cost instead of Sears card.

This is the first dispute I have had with them in the 11 years I've had the card. They did refund me $100.00, which I feel is their way of admitting fault, but I do not feel that I should pay for their mistakes. On 8/1 the charge was put on Revolution Cycles. On 9/5 it was put in dispute. On 11/30/08 the charges were put back on my card without them asking any other information or contacting me until after this was put back on. Called many times and all we get is I'm sorry

The cost of the goods was $299.00 and the cost of shipping was $42.00 which my debit card reimbursed me for.

Because of Sears' city card discrepancy system, all my payments are only kept in the system for six months and afterward the payments are not subtract from the balance, they kept billing me for amount that not suppose too. I had paid off the purchased balance, but they still bill and call me.

Due to Sears' representatives kept calling me nights and days, I have had a lot of frustrations, stresses and headaches. I have told them to review all previous statements before contact me, nothing have been solved.

We recieved a bill from Sears for a credit card we did not order. After alerting Sears, it became obvious that we were a victim of identity theft. After much deliberation, and not wanting to hurt our credit score, we agreed to accept the credit line, but under a different account number, with the first (fraudulent) account being suspended. We used the card and accrued a balance. I missed a couple of payments, but always caught up. Until they didn't renew the card and there was a small balance, I continued to pay.

During this time, Sears called my house daily, sometimes several times a day. I tried to cancel a protection service on that account, and to no avail. The calls were to alternately thank us for being customers, to give opinions, or to demand payment. I quit answering the phone. The account kept reducing, but they cancelled it anyway. I quit paying. And they kept calling, and calling and made my life a living hell. Finally, last October, they sent us a settlement offer. Unfortunately I was out of town and only recieved the letter after business hours, on the last day of the offer. I called them first thing the following morning, on Nov. 12th 2008, to pay that settlement amount in full over the phone. They declined. But they kept calling, and calling and calling. I tried several times to get a reasonable settlement offer (Balance due minus the protection service and assosciated interest, and minus one half the interest accrued from Nov to current equalled about fifty percent of the total), again to no avail. They wouldn't budge. I asked them repeatedly to stop calling and to only deal with us through the mail. They refused, and kept calling, and calling.

Today I settled the account with thier collection agency, at fifty percent. He called once, left a message, I returned his call and it was done. CitiGroup got bailout money, but they wouldn't work with me. They gave the debt to a separate agency as a write off, and the separate agency got the money. They made my life hell for monthes, during the time my mother was dying in my home, they harrassed me. I have been afraid to answer my phone for a year because of these people. And my credit has been ruined. I cannot tell you the feelings of despair and fear every single time my phone rang.

Im writing in regards to my sister Jennifer. Two yrs ago she had major back surgery (al level fusion) it was during this time a so called friend of hers fraudualantly used her creditcard. She disputed these charges and continued making the minimum payments while this was being investigated. My sister is manic depressive shes been on SSD since she was 29 she is now 44. She has always had trouble handling cash and because of this we have arranged for her to have creditcards. This way she has limits to her spending and we have never had any problems until the fraud. Her credit is impeckable and she is never late on making her payments.

After the sears fraud inspector investigated the disputed charges it was found that it was indeed fraud. In Dec she recieved a statement stating that $8,187.08 was charged off her account she then had an acct. bal, of -$3,717.88, She immediately called sears and asked to do a bal. transfer to pay on another card of hers and she wished to close this acct. She was told that they couldn't do a bal. transfer but they would issue her a check in the amt of $3,717.88 and she would recieve this in 7 to 10 working days. Her available credit line on this card is $6,100.00 with a cash access line of $1,220.00. She thinking her card is at a zero balance began getting cash at a casino here in town thinking when she reached her cash limit any further request would be denied.

My problem here is 1. the company own policy is to not allow cash access at casino. 2. she should of only been able to access $1220.00 in cash even still. They never mailed her the money owed to her as she requested instead they paid it to her in cash access. As I stated my sister is bipolar and my family is fully aware of her poor judgement especially when it comes to money thus we went to great lengths to set up limits so she can feel independedant and we dont have to worry about her loosing or spoending everything. I feel the card co. had no right to pay her the money owed to her as they did. If they had sent it out in a check as requested. if they only allowed her cash access limit she owe $1,220.00 even still what makes me madder still is the fact that their own policy is not to aloow cash access in casino and yet they gave her all the money owed to an more. Is there anything that can be done about this. I know my sister spent the money irresponsibly but in her defense that is why we had made the arrangements we had to safe guard her from doing so. Can you help or suggest anything???

I bought a T.V. from Sears 18 months ago, set up as a promotinal thing no payment for 18 months, they started sending me statements of $33.00 or $34.00 an i did ask at my local Crossville store they said they didn't know much about it to call this 800 number for Sears. was told this was being applied toward T.V. PAYMENTS. Don't worry about it

I still made the payments and bought a washer & dryer also a Lawn Mower all under promotional thing. I did ask a few more times about these payments an finally was told that i signed up for account care which i didn't even know what that was. i finally did get someone to talk about this an was told they would take care of this. which they did send me a letter saying account care would be cancelled.

We really thought that the payments that we did make would go back into the Sears account in be applied to the t.v. an washer & dryer. so when my i paid it off last week i thought my balance should be around $329.64 but they are saying it's right around $900.00. that is awful to do to a person. i am a senior and have good credit and if i had know about Sears going buiness like this i would have put it on my master card. Can you help me in this matter. Best Reguards

As Executor, I called Sears to notify them of my mother's death and that as the executor, I would ensure that her credit card balance would be paid in full as soon as the funds became available in the estate account.

Without out informing me, they turned my mother's account over to a collection agency who has been calling me on my cell, at home, my sister, my mother's house almost on a daily basis.

for months I have attempted to get assistance with a late account. the account became late when i got laid off from my job and then my wife became ill and was hospitalized twice. loss of income and mounting medical bills set us back. all other creditors were more than willing to work with us to get our accounts back on track except for sears. we were told to let the acct go 90 days past due and then ask for a settlement. their instructions. so we did this. then when it came time to talk settlement, Teresa is who called us and we initiated the talk. she made an absurd offer which was still raping us with interest and fees.

we are not trying to get anything for free, we want to pay the full principle and a reasonable amount in interest. we also want the credit reporting information changed to be less damaging. this is the only account that appears negative at this time on our credit report. Teresa, a Citibank representative was rude and threatening. She tried to pull the bait and switch with us telling us to make a smaller payment on the account and then to revisit settlement. We know this will start the 90 day wait all over again. She kept trying to get me to say/admit/commit to things on the phone and stating in a threatening way that this call was being recorded and everything i say will be reviewed, etc. I cannot believe Sears/Citibank is so unwilling to work with people especially with the economy the way it is today.

On August7,2008, my husband passaway,I call Sear and told them that I wanted to make a settle agreement, because I donot money to pay monthly. at that time I only owe 900.00 ane a few dallors I said maybe my daugher will help me to pay about 500.00 dollar, they refuse the settlement. Since that time they call my phone seven day a weekup to 10 and 11 cloc'k at night, andfew minuute during the day.and this had made me nerveous.

I have been a Sears Mastercard holder since 2005. Have never missed a payment or been late for one. I recently logged onto the site to check credit availability and discovered that my credit limit had been decreased. I called the number on the back of the card and spoke to a representative and was told that my limit had been decreased because of a derogatory mark on my credit report.

I got the telephone number from the representative and called the credit reporting agency to get a copy of my credit report. Upon receiving the report, I called Sears back and told them that their was no evidence that I had a derogatory mark on my report. They then proceeded to tell me that aside from that mark, I have a lot of outstanding debts and that is another reason why they decreased my line. I am very disappointed to discover that this is the way they do business. I've been paying more than the minimum payment and have been an outstanding customer and this is the way that they treat me. Needless to say, I have now closed the account.

Margaret of Rowland Heights CA (10/31/08

On June 20, 2008 at 21:43 pm (2) Delta tickets were purchased online, using my Sears Master Card, each in the amount of: $1681.87 (including tax and fees) On 8/06/08, almost a month and half after the purchase online, my sears mastercard account was charged $1874.13 instead of $1681.87, for each ticket. This amount wrongfully charged differs by $192.26 per ticket, total amount: $384.52 to be refunded/credited to my card.

Therefore, I immediately requested, several times, by phone and by letter (with all documentation to support claim) that this amount be credited to me. This letter was sent 2 times to Sears since they stated they had not received anything and that I should contact Delta.

I also contacted Delta Airlines who in turn stated that they submitted a charge of $1681.87 for each ticket, therefore it was Sears who needed to adjust my account.

On the other hand Sears told me it was Delta's fault.

On October 20th, I received a letter stating that since I have not responded to their request, which to date I have no idea what they are requesting from me; they are simply closing this claim.

The damage is a wrongful charge for a product which will also cause extra finance fees, and time and effort on my part for an error they committed and no one has resolved yet.

In the meantime the money they are charging my account (even though I cancelled the Account Care) cannot be paid off (according to Andrew at Citibank as well as others at Sears Credit Card Who's names I didn't get). This money can only be paid off after I pay off the money i borrowed on the promotional 4% rate (approximately $6,000.00). Therefore the "Account Care" fees and management fees and 8.99% interest keep growing and adding on and growing. Even if "Account Care" refunds my money, CitiBank (according to Andrew) will not allow me to payoff the higher interest rated debt prior to me paying off the lower interest rated debt.

Jacob (Account Care) told me that I signed up for Account Care on 11-29-04. I don't recall ever signing up. I wouldn't even know how to get in touch with Account Care to sign up. I asked the CitiBank people and Sears Credit Card people how this could have happened and they told me they have no clue because Account Care is not part of their company. They have nothing to do with Account Care and don't know anything about the company. They also told me that the only thing I could do is to take it up with Account Care. Call them and ask them to cancell the service and request (REQUEST) an investigation to see if I could get a refund. That was the only advise they could give me because "Account Care" is NOT owned by either CitiBank or Sears. Flat out lie.

Greg and Jacob (from Account Care) at separate times slipped and informed me that Account Care is in fact owned by Citibank. And the credit card through Sears is managed by Citibank. Jacob told me that Sears owns Account Care after Andrew from Citi Bank informed me that Sears and Citi Bank have nothing to do with Account Care and does not own Account Care. When I asked Andrew (CitiBank) why he lied to me after Jacob (Account Care) slipped (told me Account Care is in fact owned by Citibank) when they were both on the phone with me on a conf call, Greg (CitiBank) hung up!

Then Jacob switched me to Greg H. (Account Care with no extention). The previous Account Care person prior to Jacob (wouldn't give me his name). I requested that they give me the name of the supervisor that would be doing the investigation. He said he COULDN'T. They would notify me in anywhere from 2 weeks to 4 months. Most likely 4 months.

QUESTION: Does account care take into account that I spent the last 2 days working on resolving this problem (which is nowhere to being resolved), my time involved, plus the pressure placed on me like my blood pressure and stress of knowing that my debt is just racking up as I battle this mess I never applied for until it's resolved or I use another credit card to buy my way out. This is criminal theft by deception.

Greg's Resolutions was: If Account Care's investigation finds out that I didn't sign up for this then they would refund my money entirely as well as fees and interest.

KICKER 1: Citibank/Sears own's Account Care even though both Citibank and Sears told me they don't. KICKER 2: Citibank/Sears also informed me even if Account Care issues me the refund as well as the fees and interest, neither Citibank nor Sears will place that money towards the 8.99% interest baring account until the 4.00% promotional rate is completely paid off. During that time of which 8.99% interest will be incurred and immediately rolled over and placed on top of the old balance therefore ever increasing the amount owed under the 8.99% rate. I want my money, fees and interest refunded and put towards the 8.99% interest rate prior to me paying off the promotional 4.00% interest rate.

not have to be notified because of the agreement i signed when i 1st got the account, etc. my credit with sears did not cause for that. most of the bills were paid 99 percent of the time on time. i had a bankruptcy almost 5 years ago. sears gave me credit after the fact. i was a rist at that time and since then i have re established my credit. for sears to take that stand with me or any one like me (good credit history) is appaulding.

I just received my bill which has a $2400 credit limit and a $195 balance. The available credit limit is $854. I have made multiple payments this months on this and my other 2 Sears cards due to the fact I forgot the 0% APR expires on September 9, 2008. I was informed there is a hold on my credit limit due to the multiple payment and and the hold would not be released until the end of the month because payment couldn't be verified. Well, payment was made on line via Bank of America and they guarantee all payments they make on my behalf to a vendor. So, [Sears] have my money but I am being penalized for making a full payment on my credits cards.

To add injury to insult one associate actually stated that in this day and age [their] firm has to be very careful due to you never know who is laundering money. I am beside myself in disgust and anger that someone would say such things to me. I work a full time job and my husband is in Afghanistan supporting our troops and all I did was pay off some credit cards and I'm belittled, insulted and penalized. [Sears] should revamp processes and associates should think twice about the words that come out of thier mouths.

The three Sears credit cards are now all paid off and I will close them all and I will never do business with Sears again and furthermore I will tell all my friends about this for years to come. Shame on Sears.

Unable to access credit limit even though the amount was paid down - Sears put a hold on my on line banking transfer. They had my cash but wouldnt extend the full credit line they promised me. I am being penalized for paying my bills on time. Futher I am very upset and beside myself in disgust as an associate of Sear inferred I was laundering money and thats how I made the payments.

I purchased a 40" Sony Flat Screen TV. At the time of purchase, I asked about the payment terms, informing them that I did not want any balloon interest payments at the end of the "No interest, with payments for 18 months" payment plan. The sales clerk assured me there were no balloon interest payments. I just checked my Sears account online and noticed a finance charge $577.64 was recently applied to my account balance. At that time, I was notified that they would not reverse the finance charges.

My statements did not show any deferred interest accruing, so there was no way for me to expect that I would have a balloon payment. I was hoaxed into paying off my balance in the hopes of reversing the deferred interest but after calling back and talking to another Citibank account rep, he said that there was no way to reverse the charge because it was beyond the 15 day grace period. So I was duped into making a payment for no reason.

Having to pay $711.00 and being charged $577 amounts to highway robbery and totally misrepresents the agreement. To cap it all off the TV has been broken for 3 weeks. The repair dept from Sears has been to our house 3 times and it still doesn't work. We are watching a 17" TV we have sitting in front of the broken 40" LCD flat panel.

I feel that there must be some kind of limit that you should pay after fulfilling the debt on the principle amount. These people have made my life a living hell. After waiting for 25 minutes to speak to a customer service rep, I was politely put off. I feel that since I have almost doubled the principle that not only should I not need to pay further "FINES" AKA, "Service Charges and interest, but that these blood suckers surely must owe me a refund and a zero balance. I will joyfully enter into a class action suit against these parasites!

We have been a Sear customer for 10yrs. Our normal purchase consists of vehicle maintenance, and many household appliances. By mistake, my husband lost the bill last month, and since then we have been getting harassing phone calls demanding payment.

Out of the 10yrs that we have held an account, this would be our fist time late, EVER. I find this to be poor customer service. The last call was made prior to 8:00 am PST, which is a violation. I am requesting that we are permanently removed us from calling list and provide us with a one time courtesy waive on our late fee. In consideration, we may not cancel our future business with [Sears].

sears has done us wrong. my mother has dealt with sears over 50 some years. Sears never checked the signuture or and id to see if that was her or not. sears never question the person who stole her id. or checked to see if the bill was the same. I was with my mom when this happened. She lives with me. she and i have lived at the address for seven years and had the same phone number. we did not know this was a problem. we went to sears hardware store in avon indiana to buy a new applance.

we thought everything was fine we knew she had enough credit. we handed the lady the card. She asked my mom for her drivers lience and phone number. she said we can not accept it. because this is not the person. my mother had the same credit card number for 5 years. She said this is not the address or phone number. we showed the lady the bill statement. she said this is not what we had. she told us to go home and call sears. I did. they did nothing. they refused to do anything.

then we found out three days later someone closed the account by the internet. But still they are charging a monthly bill for what is charged it is over $1061.13. this is not right. Someone is using are names. because i found out that someone had a differnt address for are gas bill. then we are getting calls that are house is for sale. which is not. we feel that sears has allowed someone to steal are ld and stll charge us for things. the montly payments that we pay can be used someone else. Sears has allowed someone to close her account with out knowledge and then flip us with the bill. we have tried to deal with sears along time. we do not use the card unless we had to and now we could not.

In 2006 and 2007 I authorizated Sears customer rep to dedit my checking each month for payment for two charge accounts. The customer rep set the withdrawn from my account after the due date which cause a late payment of $25.00 each. The happen in 2006 and again January thru December 2007. Each time I called the company customer rep, it was supposed to be taken care of. All the late fees was supposed to have been taken off my account. Also, this cause my account not only be stated as late on my credit report but to be taken off a special program with no interest apply to my account. The lady who set up the program state as long I kept the account current there would not be any interest charge to me while paying off the account.

Now I have to pay over 27% interest and I am being reported as paying late on my credit report. I have two accounts with Sears. I have contact this company numbers times. Each time I called the customer rep alway have something new to tell me why they can't make the adjustments. The customer rep are never nice, they alway act as if I interuding them or something.

Sears Appliance Purchase Contract of no interest, no payments for a period of six months. During the six month period we made two payments (certified mail) in full of $5779.31 and on both occasions Sears said the checks were non sufficient funds. Our bank told us the checks were never presented and that both times funds were available. Frustrated, I personally walked into a Sears Store and paid with a Cashiers check. We have taken every action possible to dispute Sears claims including sending bank statements from our bank which clearly show the checks were never presented to our bank.

We believe the checks were purposely not presented to our bank so Sears could charge back a NSF fee, raise the interest rate and negate the six month no interest no payment period. They now say we owe over $1,400 in interest, NSF fees, and late charges. Citigroup (who now handles Sears Credit) has called up to 1-6 (mostly 4-6) times a day including holidays. This has been going on for almost a year even after our dispute letter, and a letter from a attorney.

This may be a new common practice with this type of promotional credit program since there is very little anyone can do and they are threaten your credit. My husband and I have excellent credit and do not want this to become a credit issue for us.Sears Account Timeline:

January 2007 Purchased Sears Refrigerator, Double Oven, and Microwave with a total cost of $5,779.31. The loan was a 6 months no interest, no payments until July 13, 2007. Feb 23, 2007 Sent a certified letter to Sears with a payment from our Compass Bank Account in the amount of $5,779.31

Mar 28, 2007 Statement reflects a Return Check Fee of $25 and a $5,779.31 Payment Reversal. April, 2007 Citigroup started calling a few times a week. We thought it was someone advertising and ignored the calls. April 10, 2007 Called Customer service. They said our check had been returned for Non Sufficient Funds.

April, 2007 My Husband checked the online Compass Bank Statement for February and March 2007 reflecting no processing of any check from Sears. I called Sears Customer Service and talked with someone who referred me to a manager. He said that the check had been returned for NSF. I told him that it was not possible and he said he had the check and the last four digits on the account were 8746. I said that maybe someone had keyed it in wrong and he said no it was NSF and that I should talk to our bank. My husband called Compass Bank and they said no check had been presented to them from Sears and that funds were available. Compass Bank sent us all records regarding this time period.

April 26, 2007 Sears Statement reflects new balance to include the original amount of $5779.31, Return Check Fee $25, $35 late fee, and $1 finance charge (25.40%) for a total of $5,840. May 29, 2007 New balance is $5,877.18 including addl. late fee $35 and finance charge (new
30.40%). June Citigroup 520-662-8998 started calling at least once a day. June 27, 2007 Sent Express Mail Compass Bank Check to Sears in the amount of $5779.31. June 27, 2007 Sent a Dispute Letter to Sears Disputes P.O. Box 69xx The Lakes, Nevada 88901-6924 Both Post Office receipts are attached. The Dispute letter included the Compass Bank statements from February-March 2007. We never received any

Correspondence back from Sears regarding the Dispute Letter.

June 28, 2007 Checking our online account Sears received our check from Compass Bank. July 21, 2007 The online Sears account showed a balance of $6,170. We called Sears and talked with Hilda who said our check was NSF (2nd time). Again we checked with our Compass Bank and they said the check had never been processed, that funds were available. Again our Compass Bank statements reflect no check from Sears. July 23, 2007 I took a cashiers check into the Sears store and made a payment of $5,779.31. July 27, 2007 Sears Statement reflects a Return Check on June 28,2007 (for the check I sent one day before) and another Return Check Fee of $25 along with credits for the

First Disputed Return Check Fees.

Aug 3, 2007 Called Sears 1-800- and talked with Christine about the account. She said she would reverse all charges including $25 NSF fees and credit the interest balance of $900+. She said that she just needed her manager to sign off on it and that we should see it cleared up within a week. Sept-Oct 2007 We had many conversations with the people who called from Citigroup and after explaining the situation they would tell us to call Customer Service, give our account number, dial 16. Most of the time they would say they would check into it or they would say it has to be paid and we would tell them that we had no intention of paying credit fees because their processing practices did not accept our checks.

Citicorp is calling five times everyday including holidays. 11-8-07 Citicorp called at 7:15pm and again told us to call customer service (We called customer service and talked with Kassie ID 1734. She said to sign and resend the dispute letter.) I explained the situation and that we had made two payments that were not processed by our Compass Bank and that I had sent a dispute letter. She discussed the matter with her manager and told to her manager said it would be no problem that the account would be credited all of the charges. She said to resend the dispute letter and gave a fax number. This evening we faxed a cover letter (attached) along with the dispute letter dated June 16, 2007.

12-5-07 Ron talked with inbound collections David. No resolution. 12-26-07 Received a letter from Citi Cards P.O. Box 451xx Jacksonville, FL 32232 stating we were two payments behind and to send a minimum of $182.96 (attached). 1-8-08 Jason from Citigroup called and said to go the same process calling Customer Service. At 4:13pm I talked with Heather in Customer Service and I explained the situation again. She connected me with her managers voice mail and I left a message to call me at our home number.

1-9-08 Collections Manager, Ms Reyes employee number BCI0413 called me at 2:03pm. She said, "you have done everything you could, it must be beyond frustrating for you." She said she would be reviewing the account with Ms Miller and would call me by the end of the week with a resolution. I never heard back from her. 2-20-08 Contacted Prepaid Legal Davis/Miles Law Firm. Citigroup called for the third time today. I told them not to call that I had contacted an attorney. They said we owed a debt and that they were not going to stop calling.

3-11-08 Pre-paid attorneys Davis/Miles sent a Demand for Verification Letter to Sears Credit Cards Dispute Department. Enclosed. 3-17-08 Sears Credit Services sent a form letter asking for authorization from primary card holder. I had asked to have my husband, Ron, authorized on the account and thought that this is what the letter was pertaining to. 4-7-08 Tatiana F., attorney with Davis/Miles called and asked me to call the Sears 800- number and explain the situation and see if it could be resolved. I asked her to stay on the line as I called. We talked with a gentleman who was not helpful.

4-10-08 I sent certified letters to six different Sears/Citigroup addresses of the following: Authorization for Sears to correspond with Davis Miles Attorneys, Authorization form from Sears, and the Demand for Verification Letter (from Davis/Miles 3/11/08). We are still receiving 4-7 calls a day for Citigroup. 4-17-08 Davis/Miles Attorneys resent the Demand for Verification Letter to the 6 Sears/Citigroup

addresses (from telephone conversations and letters). 4-21-08 Citigroup Credit Services, Inc. USA sent a one sentence letter: Enclosed please find the statement copies you requested. Statements from 2-26-07 through 4-08 were included with the exception of the 3-07 statement which was not included. What we asked for was the information regarding the two checks that were never presented to our bank.

4-21-08 Letter from Sears Credit Services stating: "Your letter indicates you are disputing the existence of and /or liability for the above -

referenced acount per the Fair Debt Collection Practices Aact (FDCPA). In accordance with the FDCPA, you have a right to request verification if a debt collector is attempting to collect on a debt; however, Citi Cards is not a debt collector as defined by the FDCPA. As such, you have no basis to request verification of the debt from us as the original creditor. Sincerely, Sears Cardmember Services

4-28-08 Sears Statement current balance (late fees, interest) is now $1,403.60. 5-5-08 Tatiana with Prepaid legal Miles/davis called and suggested we retain a lawyer. I asked her for names of other agencies I could contact. I have not checked our credit lately, but I feel worn down from the constant phone calls and since this will not seem to go away and I have spent at least 50 hours fighting this.

I received a call from people who live at a former address of mine that I have not lived at for nearly a year. They had a Sears card sent to them in my name. After thanking them and getting all pertenant info ie. the account number off the card, I called Sears Credit. They informed me that it was not a new card, but an upgrade to an existing account. Neat trick considering I do not have an existing account. I cancelled my only account with Sears nearly two years ago. In fact, when I recently purchased an item at Sears, I was solicited by the Sales person there to open an account. Not only did I decline, but gave explicit instructions to not solicite me through the mails for an account. Not only did Sears disregard this, but they sent a card to the wrong address!

Thankfully, the people who received the card were honest. Had they not been, than the burdon of proof would have been on me, and in the mean time my credit would have been raked through the mud. I also spent an exorbitant amount of time on hold waiting to clear this up.

William should report this to the Federal Trade Commission. We would certainly like to hear from anyone else who's had this experience. Please tell us about it.