Sears Credit Card Reviews

The apparent change in credit card provider is a complete fail. Every online bill pay customer when logging-in should be rerouted to new site and login/password should remain the same. Instead, it appears their one or two mailings and a email among all the other junk mail we get has gone unnoticed by many. Following their directions also has not worked. Had me thinking I was get either fraud calls or fraud mailings.

I am legal guardian to a cardholder and was attempting to update card information as well as acquire a new card for my client. Customer Service representative was kind to hear both my client and me on the line. In the process we found out that there is a wrong social security number associated with the card and was transferred to 'Consumer Protection' group. The representative in this department said they would only speak with the cardholder after I told them I am the legal guardian trying to help my client resolve the issue they have with her card.

I’ve never had a credit card company not give me my money back for a dispute and most credit card companies give us our money back, no questions asked, period. These people are liars, every time I call them every representative tells me something different about the same situation, they have a new policy everyday, and they will lie, cheat, and do everything in their power to not give you your money back. I've never dealt with a credit card company that we can't speak with the person handling our claim, that works against me instead of help me, or who really does not want to return my money from a dispute. It’s really shady how the investigators hide behind the scenes and scam and lie to not approve our disputes. They ask for one thing and when you send it, they lie and deny your claim saying they didn't receive the information.

I have been a card member since 2016. Never late fee. Now it seems the two attempts I have tried to pay my card have failed. Then I find the number has been changed (without warning). Now it seems I will have my first late payment. I'm Not happy that this company doesn't care enough to make sure I can Make a payment on time! They seem to be trying to collect late fee!

Had 100% payment history with the credit card company! Never late! Always on time! Had bought a complete kitchen set, fridge, stove, dishwasher. Well when they decided to close their stores, I guess they decided to screw the loyal customers that they had. Didn’t send any notification that they were closing my card, no phone call! No email! No correspondence whatsoever! I go to use my card find out that the account number is no longer active so I called the 800-number only to be told oh well we changed your account number you should be getting a new card in the mail within 6 to 8 weeks.

My credit card was used twice around the world and I had never swiped it anywhere. This means Sears was hacked or somebody was selling the information. I also later purchased an item online and was double charged. The seller provided me a refund (he saw both transactions) but Sears was still double charging me. I asked for my money back which Sears initially did give me, but they actually took it from the seller (the single transaction left that the seller should have had). So the seller decided to reach out to his company and they get the money back. Now I'm out a couple of hundred because Sears is incompetent. I reached out to them and they sent me a letter ("proof") that it was a rightful charge. Funny thing is they're only disputing that I DID buy something, not that I was double charged. They totally ignored the situation. I was complaining about being double charged, I was not disputing the fact that I bought something or not.

I had the Sears store card for about 6 months. 2000 dollar limit. So with 350 dollars on my card and flawless payment history the idiots dropped my limit to 400.00. Thank you Sears for destroying the credit that I worked so hard to fix... IDIOTS. Plus what happened to the Craftsman quality? I traded my Harbor Freight tool box for a Craftsman. It was made from aluminum foil.

These people are thieves. NEVER get a Sears card. I am on paperless billing. I paid off the card in November 2018. In December 2018 there was a $23 charge. I did not receive a statement in December 2018, January 2019, or February 2019. In March 2019, they sent a statement saying my account was four months overdue, but that's not the worst part. THEY CHARGED ME 1000% interest on that $23. The bill ended up being $230 dollars. Customer service was COMPLETELY unhelpful and lied. I will never do business with this company again.

I have completely given up on Sears bankcard customer service. I called them to complain about unauthorized charges on my card over 2 months ago. At first I gave my report to the unauthorized charges department. I called 2 weeks later to follow-up and was told that I actually had to call the Fraudulent Claims Department. So, I did. I then called 2 weeks later and was told that my claim had been sent to the Presidential Offices. So, I called them to follow-up. They said they would contact me within 2 weeks.

Sears was my longest line of credit. After being with them for over 10 years they closed my card. Never once made a late payment (not even a day). My card wasn’t maxed out. In fact I was paying it off. I specifically called and asked someone if I paid it off in a debt consolidation would my card be closed. The representative guaranteed me that it wouldn’t. She told me that she would leave notes on my account stating that I did not want my account closed. A month later it’s closed. I call in and dispute it saying that the representative promised it wouldn’t be closed (otherwise I would have just excluded that card from the consolidation).

My husband opened a Sears Mastercard around 7 years ago, we were on time with the payments and we even paid it off last year. Due to emergencies, we had to put around $1500 back on it, I was then I was a couple weeks with the payment, not even close to 30 days, one time, mind you, and they lowered his limit from $3,000 to $1800. Since then I have not missed a payment, but yet he got a letter in the mail saying they would not be renewing his credit card, what the heck? He has no delinquencies on his credit, why they made that decision I’ll never know. They are terrible and it doesn’t matter if you are a loyal customer or not, they will screw you over!

The Sears credit card system is literally set up to keep you from paying off balance transfers in time for the promotion to end. I had two balance transfers on my card, and I always pay way more than the minimum. I should have already paid off my first transfer, but then I found out the "system" was misapplying my payments. Only the minimum was going towards the first transfer the rest towards the other. Even calling in cannot solve this because all representatives will tell you is that "the system will not apply anything past the minimum to the first transfer, if you have more than one on the card". It is literally set up to keep customers from paying off the transfers on time, so that they can receive interest money. I did a balance transfer for the entire Sears card and then I closed my account with them. There's a reason this company is bankrupt and I have no pity on them.

Sears had given me misinformation after handling my dispute then closed the case. There was no signature on the charge just a printout. Thank everyone that Sears is going out of business and I am never using my card again after being a loyal customer for 30 years. Rest in peace Sears and good riddance.

Sears Card billed me $97.98 for a product I supposedly purchased from Norton. I never ordered or received anything from Norton. There is nothing in my PC remotely connected to any Norton product. I got in contact with Norton this morning and asked them for a detailed printout of my supposed purchase. They could not find any information with my name or email address of any purchase. I received a letter from Sears Card that they have adjusted the $97.98 but that I must pay them $27.00 for the adjustment. How, in heaven's name, can expect me to pay them for something that never happened. They have now threaten me with sending this incident to the three credit card adjusters. What are my options?

I have a Sears Citi credit card. One of the worst mistakes I ever made. They have poor customer service and lousy credit cards. I tried using my card and they won't allow me to use my card. They decided to place a hold on my account for real reason. My account is current and I still have credit available to use. They just decided to place holds on my account because they felt like. It's the worst card I have ever had with the highest interest rate. They have piss poor supervisors who don't know what the hell their job description entails. Poor customer service and credit cards, don't use them at all.

I saw a Facebook ad back in May 2018 for this New You Challenge company, which turns out to be a third party purveyor of gym memberships and work out programs. They gave me a great song and dance and as far as I'm concerned, embezzled $300 out of me for a program through one of their third party vendors, it was about 3 weeks later when I got to the gym they set me up with and at that gym, the owners wanted me to sign a contract that was so unholy and personally attacking and setting me up for ultimate failure along with my entire life, and everyone including family to be attached to any possible lawsuits, it was heinous! They stand you in line to wait for 30 minutes at the gym, let you read a tiny paragraph or two up on a website on a huge screen in the gym, then you sign in, then later on in the evening you get another copy to sign.

After having this card for 10 years and using it responsibly, we found that Citi reduced our credit limit without notice. Now, we can't even purchase a new refrigerator. Very disrespectful way to treat their clients for being good consumers and paying our account timely and providing them with such a nice interest base to grow their business. We contacted Citi Customer Service with no resolve. They had not interest to correct the error and we will need to resort to alternative means to purchase appliances. You will not be treated as a valued customer. Read the reviews and understand they do not care about their clients.

I was looking for a great appliance set at Sears in 2014. I was approved for a Sears Credit Card. I have great credit and was approved for a whopping $500.00. I’ve never reviewed statements and have changed settings on my account. I’ve called customer service several times, they were extremely rude and didn’t speak but broken English. I had a lady hang up on me twice. I told them I would be cancelling my card and the rep replied, "Great!" They refuse to increase your credit limit even being a year at a $0 balance. You deserve a great card with perks. Do not get this card or give them business. We work hard for our dollars. No reason they should treat people this way. I filed a complaint over a year ago about everything I’m telling you and no reply or email. Nothing. They don’t need our business.

Interest rate is 26%. What is this, 1986? How the hell does a company get away with that rate? I used my card for a 'trial' of a background check service, and nowhere in the form did it indicate a recurring 'membership'. Citi would not refund the $45 I was charged and considered the matter RESOLVED BECAUSE THE SCAMMER SAID IT WAS A LEGITIMATE CHARGE. I closed this account as fast as I could.

Been a Sears credit card holder since 1987. Tried to sign into the website to pay my bill but kept getting "You have successfully signed off" as the response. I called to technical services and they told me to clear my cache and that did not work. Told me to try another platform besides Chrome and that did not work. Then they told me the site would be down for a week. I asked her why she did not tell me that in the beginning instead of trying all these other things. She did not say a word. I then asked to be transferred to Customer Service so I could pay my bill. It asked for my last 4 digits of my account but then stated it could not find my account. When I finally get to a person she stated their automated system is down and that is why it did not recognize my account. So do not get this credit card.

I have had a Sears card since 1979. I pay my bill as soon as I receive it and pay more than the minimum. Until now I have not had any problems. Last month I did not receive a statement. I called customer service prior to the due date to inform them and request a new statement be sent immediately. The representative I spoke told me this would be done. It is a little over a week past the due date and I have not received a new statement. Instead, CITI has put a block on my card. They did even notify me that this would be done. Instead, I found out when a bookstore with which I had placed a pre-order let me know my book had arrived but that payment was not authorized, so the book would not be sent.

I purchased an appliance last year (2017) at Sears and took it home the same day. I made 2 additional purchases during the time I've had the card. They definitely got me too when they said "Hey, apply for a Sears card and get 12 months no interest"... etc. I received TWO bills TOTAL from Sears. Simply set reminders on my phone to call and make a payment! But absolutely nothing on last month's purchase/activity ($161)... No bill. No notification. No late notice. Until another agency called and informed me I owed $100 more than 45 days ago. Additionally, the full amount will be due in 3 weeks. Thank you for your tremendous communication and customer service, Sears. I won't be back. P.S.: It would be lovely if you accepted something other than a check for over the phone one-time payments!

Run as fast from the guy as you can when he offers you 12 months or 24 months free! They suckered me right in, and immediately after my purchase, the interest started. I made several attempts to reason with these people at Sears, NO SUCCESS! They don't want to hear it, they don't care, and they keep transferring you till you hang up. My worst experience ever! Once the card is paid off, they lost a customer for life!! And honestly, I can't wait after what they have put me through!

Stay away. This is a SCAM!! They offer you a 2 yrs "interest free" credit card that is actually only free if you pay the total amount in full before the end of those 2 yrs. If you don't you are charged for the interest of the past 24 months. I got it to pay for an unexpected car failure that costed me $550 at Sears cause was the closest car repair shop around I could drag my car to... And btw they did a HORRIBLE JOB, broke another piece of my car which resulted in my car having to stay an extra day and me missing an important appointment with a client since in Puerto Rico public transportation sucks and does not connect the whole island so there was no way to get there without a car. I asked for at least a discount since it was their fault for breaking my car and the manager was extremely nasty, never again did I go there.

I was told false information over the phone about my credit card promotion. Had to have phone recording pulled to verify. Then I was told false information again by the department handling it and credits I'd receive to resolve it. I had to have that phone call recording pulled as well. It was not easy. Every time I called about anything, I was met with wrong or inconsistent information, and a very rude attitude for no reason. The service reps bully and pick arguments no matter how patient or sweet you attempt to remain. You get the run-around every time you try to get something resolved.

I have had the Sears Card for almost 30 years, since 1990. I have always felt the customer service was pretty horrible, even worse when Citibank took over some years ago, but I just used it and paid it off, no problem and never really had to deal with customer service... until recently. Due to Cat 5 Hurricane Irma headed directly to my area of Florida, I recently evacuated my state and spent a few days in Alabama, came back to a mess, and things are going OK now -- a few weeks later.

I went to Sears to purchase appliance with family. Salesman said that there will be soft inquiry if you want Sears credit card. I said my score is 721, own house, self employed and have credit card credit limit of $4000 with 0 balance. Will I be approve for this card and reply was, "Yes, you should be easy approved." Now when I applied for a card they simply declined and they said, "This happen a lot? So why don't you apply for Sears store card, if credit card didn't go, don't worry!" Now I asked again if this is soft inquiry they said, "Yes don't worry." Now they made me apply again for Sears store card and got declined again. Now they said, "Maybe you need to call them and speak in person."

I applied for Sears card while shopping at Kmart to get the discount. Card was approved and I paid off balance before due date to avoid interest. A month later I received a statement saying that I had not paid my bill + a $32.00 late fee was added to that. I contacted Citi to discuss my account. I told them that I had paid the balance before my due date and they told me that my payment was returned to my bank because they could not find an account.

Sears Credit subscribes to Experian, an outfit which is famous for its Draconian practices. Well I say to each their own. However the economy being the way it is, right now, maybe Sears might try selling their washers, dryers, refrigerators, etc. to Experian and maybe they'll fill in the void, left by those of us who Experian does not approve of, but everybody else does.

Citibank should be shut down! I made my first payment on time and it was for 60% of the total amount due and sent it in with two weeks before the due date. The next billing cycle I got a $27.50 late fee. When I called them about it, I got some lame idiot from India that could hardly speak English. I tried to explain to them what happened and they totally disregarded my statement and refused to remove the late charge. I told them since they refuse to rectify the situation, just close my account immediately! I will never ever do business with Sears again! I hope that they close permanently, since they reap what they sow! UP YOURS SEARS!!

When trying to see my pending transactions, I found out that Citibank does not show your pending transactions for 48 hours. The notifications do not update, nor does your balance. So basically someone could be using my card for 2 days and I wouldn't know it. This is ridiculous! I have a Capital One card and it shows pending transactions immediately! Get it together Citibank! I am going to shut down that account, a credit card company that is that negligent doesn't deserve the business!

I have been trying to start an "investigation" into my Sears billing for almost 2 years now through the Sears Mastercard. I have been a loyal customer since the late 1990's with Sears. However, whatever is happening to this corporation under the direction of now Citi is nothing short of illegal. The telephone numbers I am given to reach supervisory people are incorrect, they either keep me on hold for sometimes up to 1-1/2 hours or hang up on me. I have yet to receive proof of what they are billing me for. I AM ABSOLUTELY THROUGH DEALING WITH THIS INCOMPETENT AND THIEVING ORGANIZATION. I will make one more attempt to reach someone with competence at the Citi corporate level, but let me put in writing that I do not intend to pay what they are charging me without proof of purchases versus what I have paid since 2013.

I had this SEARS Citi Mastercard since 2012. When I was in a family emergency in 2013, I asked them to increase my credit limit and they did for $2200 (more than what I asked). I was happy because I had to go home unexpectedly due to a terminal mother. Because of SEARS me and my husband are able to go and see my mom before she passed away. I was very grateful, and the SEARS customer service lady was very nice. I paid off my balance 6 months later. Then, I went home again in 2016 and informed SEARS that I will be traveling out of country and they made sure I am able to use my card overseas without a problem, and I surely did! Twice in such situation that SEARS Citi Mastercard was very helpful to me. I am forever grateful for SEARS!!!

AccountCare Scam. Yes it is a scam. I received a statement saying if we miss one payment AccountCare would take care of it. Most of paid 1000's of extra money into this AccountCare thing. Find out total waste of money. They wouldn't cover one of month of missed payment so we got behind and I suppose that screws up our credit rating. Don't bother with it. AccountCare seems to be a con game to get more money out of people.

Before you activate your Sears Mastercard you should be mindful that you will be inundated by sales pitches. I attempted to pay my balanced but was told I had to wait for my card to come in the mail. Once received, I went through the pain of dialing the activation number and was asked about 11 different products before being told by recording that the number was changed. Dial 1(800)877-1403 if you wish to validate my statement. I was once a loyal Sears customer but now understand why they are in the financial ruin they are in. I despise credit but wanted to take advantage of the promotions - NEVER AGAIN, I will pay retail next time.

I had a Sears card for over 35 years and it had its issues sometimes, but nothing like what Citibank has done to it. In the 35 years I had their card, never missed a payment and was never late. Out of the blue, I received a letter from Citibank that they were cancelling my card? I guess they don't want my business anymore. I will never purchase anything from Sears again. From reading all the rest of the reviews it looks like they have done the same thing to several folks. I saw this morning on the News that Sears/Kmart were closing stores and will be going under very soon. And the bean counters in their corporate office are probably wondering why? Go figure!

Horrible company to do business with. I opened a Sears MasterCard a few years ago after the lady at the Sears store pushed its "benefits". The card was closed and I was encouraged to do auto pay to pay off the balance. I was told that the payments would go to the balance until it was paid off. I trusted the word of the representative and just kept making payments. I finally looked into the balance in January as I thought it should be down to $0, and to my shock it was the opposite! Two and a half years later, I am being told that all my money (thousands of dollars) went to paying the interest and ACCOUNT CARE. This was never disclosed to me and have been disputing it with Sears and Account Care since January (2 months now).

So my wife missed the payment five days ago and I started getting the call. We were away and I hopped on to the website to pay the bill. But alas, my password wasn't working. So I try to reset it via the web page, but to reset your account password you need the card and the CVD number. As we no longer use the Sears card, for stupid interest rates, and just declining service, we tore up the cards and plan to pay off what we owe and close the account. So I call the 1-800 number and I explain my situation and they say "Oh we will have to send you a new card". I say "But I don't want a new card, I just want access to my account online to pay my bill." Person says "hold on I'll transfer you to the desk to assist".

I was tricked into getting a second Sears card without my permission. The salesperson told me that he was putting the charge on my existing Sears card and I would save $10 on my purchase. I did not save $10 and got a 2nd Sears card in the mail today. In retrospect, the salesperson was going through this same procedure with the person before me and after me. I know in the past Sears has sent people texts that cost them without permission and Wells Fargo was doing this issuing of credit cards without permission. I called to cancel both cards and they are not able to send me an email confirmation on closure, but require more than a week to get me a letter. I just closed another card last week and they sent me an email confirmation while we were on the phone. This is just like what Wells Fargo was doing only they fight back and will not cancel without a fight.

Sent in a check to pay off Sears credit card which they cashed. I have called in 8 times once even with Alliance Credit Union on the phone and Sears has still not credited my account. Alliance Credit Union mailed payoff check in the amount of $1414.80 and it was cashed and stamped by Citibank For Deposit only with a Citibank account number. They then sent a letter to alliance credit union first saying they did not have the check. How do they not have the check if they are notifying Alliance Bank that they did not indicate an account number and they sent a copy of the check showing that it was cashed. Alliance sent in the check stapled to my account statement which shows my name and account number address.

I'll put this as simple as possible. This credit card has deceiving rules to scam customers of their money. Promotional balances (0% interest for x months) only counts for original purchase in store when creating the credit card. Any other charges are lumped into a regular balance that is charged 25%+. The worst part is, if you do get charged an interest charge it won't show up in the total regular balance. It sits in limbo so if you decide to pay off the regular balance in full, you'll still have that interest charge sitting there and you'll get charged again. They also keep the promotional balance and regular balance separate from each other and difficult to find. Their representatives will not help with "your mistake" regardless of how confusing their online system is.

Don't sign up for this card. Going against my better judgement, I was talked into signing up for a Sears rewards card by an overly pushy sales assistant. My original purchase was for $75.25. Thinking I would just pay this off immediately when I got home, I found I didn't have the credit card number to sign up online to pay off and had to wait for the card to come in the mail. One month later I had the card, I created an online account, linked my checking account and set up the payment (at least I thought I had).

Even though I opted out, Sears went ahead and switched my Sears card to Mastercard. I called several times to complain to no avail. Last time I called, they said they are investigating the error and It will take a month to resolve the problem. No more shopping at Sears.

Last April 2016 I opened a Sears credit card to buy a lawn tractor. Was offered the promotional no interest for a yr... the sales rep really pushed hard to take the promotion instead of the discount. I pay 300 a month which is what it would be monthly to pay promotional balance off before 1 yr. In Dec 25, 2016 I charged 500 for some coffee tables and dvd player. Dvd player came in fast. Tables nothing. Called only to find out that the tables aren't from Sears and have been on back order with no notification to me. So I made my normal payment and noticed that my promotional balance didn't go down 300 dollars and that it was lacking 27.00. Called Dears credit from a number off the internet and not the card.

Beware customers, Sears reps will offer you the no fee interest waived for a year. I thought I only start paying interest after the promotion ends but realized later that I was charged $250 on interest if you don't make the full payment on your promo purchase. That's correct. You pay interest for the balance and they added the 12 months interests going back the time it was waived if you don't pay it off by certain date on your promotion. Be careful out there. It's really a rip off. Why would you open an account and pay additional interest unnecessarily? Called customer service and they said it's all written on your statements and receipt. So don't get fooled by their promotions 'cause I believed the sales rep or they didn't understand how it works. FYI.

I very recently (maybe Aug. '16) noticed my credit score had dropped about 100 points, leading me to pull up a report from Experion. Culprit was a Sears credit card issued by Citibank of which I was unaware. Have never received a bill, either online nor via mail. In August I contacted the Citibank rep (India) and requested a copy of any purchases. It was said that I had purchased around $76 worth of merchandise.

I am one of the many many people now subject to CITIBANK's buyout of the Sears Card. I have had a Sears card for over 30 years! I received mail notification that Sears was changing over to a SEARS MASTERCARD, but if wanted to keep the old Sears Card I could. I DID NOT KNOW that this new "Sears" card was, in fact, a CITIBANK Card... YUCK! What happened to the SEARS MASTERCARD?

I got a promotional deal on my Sears card for 0% interest for a year. Well I'll have it paid off November 1st but while I paid twice a couple of months they charged me two $25 late fees. I pay on the 1st every month and extra. Two months I paid on the 30th as well. The 30th payments I made did not go toward my next month payment because I didn't wait for the close of the statement. Instead of paying 6/30 I should have waited to pay 7/1. They did the same thing August. So now I have $50 in late fees.

I have a Sears/Citibank customer for quite some time now. It's not been a good experience. First, Sears/Citibank offered me that fraudulent Account Care insurance and it added on more money on my account. It does nothing to help you in the case you become unemployed. They also added a deceitful promotional balances without explaining the terms to you. I also had specifically asked to have my email changed. I called three times to do this and they still screwed it up. Don't use this company. They're using and taking advantage of their customers.

I have been a Sears Citibank credit card customer for more than six years. As of recent when my credit card was due to be replaced due to expiration they never bothered to send me a new card, and closed the account without my knowledge. When they called and left me a number to return call he went to another company. When I called the number on the card They rerouted me to another department with only India speaking people. When they rerouted me again is when they told me the account was closed without any prior knowledge. Due to the extreme level of incompetence that I am now experiencing I am going to pay off this account, closed it and notify anybody that will read this to please never do business with this company again. Their customer service is beyond poor and if you read other reviews you will find out the same. Pick a new company to do business with. Have a nice day, Ken.

I got bill in sept. Had late fees. I thought huh? I do not overlook paying bills. Am very on top of things. Thought their error. I did buy some stuff from kmart online over the summer but thinking acct paid off so went to acct. online saw I did have a statement for aug. I somehow lost it probably to had extra stress to 'other' stuff going on. So after going to acct. online and figuring up the balance due I contacted Sears to request to waive late fees. Said it was true oversight on not paying bill in aug. They said they cannot waive any fees until the acct. is up to date so I paid the balance of $25.25 off. I thought this was what they meant. I got a bill the other due in oct. day with more late fees.

I've had a Sears MasterCard for ages. I recently tried to pay for something and the card was declined. Knowing I had plenty of funds available, I immediately logged in to the mobile site and saw a fraudulent charge for a Walmart on the other side of the country! I immediately disputed it through the mobile site. No confirmation was sent to my email (I'm all electronic), so I decided to call and confirm the dispute. I called the 800# on the back of the card. After the automated system brought up my account, read off my balance, etc., I got to a representative. After saying "hold on, please" "hold on" over and over for about a minute straight, he tells me the account doesn't exist. (I asked him how that's possible if the automated system found it.) He then kept asking me the same questions over and over again. I got frustrated and hung up.

Last July I bought automobile tires at Sears costing $500. I put the cost of the tires on my Sears card. At that time Sears said, "Interest Free for a Year". Since then I purchased several less expensive items at Sears, and put the purchases on my Sears card. I paid the required payments each and every month. Now, a year later my August statement shows interest of $170 on a balance of $600. Of course, I called Sears and spoke with a manager in the Credit Department. They said the $170 interest is not for one month, but for the entire year. They said if I would pay $335 by next week, they would remove the $170 interest charge. Of course, I like any other customer, forgot about the "No Interest for a Year" deal made over a year ago. And I'm sure Sears was hoping we all would forget the "No Interest for a Year" deal so they could hit us with a big interest payment. CUSTOMER BEWARE OF "NO INTEREST FOR A YEAR" DEALS.

I'd not used my Sears credit card in quite some time, but I did make a purchase and then made an alternative payment and received a credit on the account, thinking then it was a zero balance. However, two months from the original transaction I notice in my email there is a balance on the account and it is past due for $5 and some change. I try to log into the account, not successful so I try to reset the password with the credit card I have that is NOT expired until 10/16. Keep getting message "That is not what we have on file" over and over. I call the number for technical support, but b/c the account is past due I am sent directly to the collection rabbit hole.

I have been a dedicated customer to Sears, for over 25 years. I just found out recently they shut down my account and gave no real solid reason why. They probably are having financial concerns as a company. When I spoke with a senior representative, I was told that I have never paid late and was an outstanding customer of 25 years. I'm sure it is due to the current times we live in, but the reason I am writing this review is for others who have good credit. Be very careful. When they do this it has an adverse consequence on you personal credit score. Currently, I am seeking legal advice as well as disputing this on my credit score.

I went to Sears to make a payment on my credit card the other day, as I do every month. I was told that my check "could not be read" by their register, and therefore, they could not accept the payment. WHAT? I asked if they could apply the payment manually, but they could/would not. They called customer service for me, and I spoke to Lorie in N. Carolina. While speaking to Lorie, I indicated that I was using a balance-transfer check from my bank, and she said I could not do that (as though this is common knowledge). Again... WHAT? She explained that Citibank's convenience checks could not be used "in person". I told her this was a check from another bank, and she suggested I contact them.

We got a Sears card to buy our mattress. They told us "no interest for a year". Stupid us. Did not read the fine print. So after a year goes by... ALL of that accrued interest we were charged! $400!! that's 50% interest on our balance!!! Scam artists. What terrible human beings.

If I could give them 0 stars versus 1 out of 5 I would do it!!! Worst customer service experience ever! I called because there were 2 issues with my account. I was supposed to get a new credit card with the chip on it since more than 2 months ago. That did not happen (first issue) then I tried to request a replacement card for it on the website. The link was disabled and a few more links as well (second issue). So I called the 1-800 customer service # to get this 2 problems resolved. I tried to get them to resend me the card and help me with the links. All I got was 1 hr and more than 10 minutes on the phone with more than 3 representatives, no solution to my problems and a cancel credit card because one of them didn't understand what I was explaining to her.

I just closed my credit card with Sears and Citibank. I was a loyal customer for over 20 years. I tried to pay off a balance in full but unbeknownst to me I was charged for interest on the balance which carried over to the next month. I went out of town and did not open the next month's statement until it was overdue and triggered a late fee. I called and had the late fee removed and paid off extra to cover the interest on the late fee this time. But wait SEARS could NOT REMOVE my LATE FEE because of COMPUTER PROBLEMS and I would have to call later in the week to have it removed.

I was a member from 2004-2016. I have never been late on a payment nor had the need to utilize customer service in my entire 12 years until a few months ago when fraudulent charges showed up on my account. After providing all evidence to show the charges were obviously not authorized by me, I received a provision credit on my account. Then a month later was re-billed for everything. When I tried to resolve the issue again, my own credit card of 12 years told me there was nothing further they were willing to do to help me. I ended up paying several hundred dollars in charges I didn't authorize simply to be done with the card and not have it destroy my credit. Thanks a lot Citi Sears. I will never again use a Citi card as long as I live.

I've had a Sears card since the 1970s. Kept it after it became a Citibank Mastercard. Since the purchase rewards point program inception, I've cashed in points for gift cards and other rewards. I don't receive paper statements anymore, and I've noticed "points balance" line is not on the online statement anymore. I asked about it with the "live chat" and was told that program has been changed and no points are lost. Gave me a link which took me right back to the homepage I had been on. Tried again with different live chat person, same result.

We have been using our Sears Citibank MasterCard on and off for the last 6 months, all smaller purchases. Now all of a sudden my wife had the card declined for a $50.00 purchase. She was given a phone number to call. My brain says this is not uncommon if they have a customer service number handy. She called the number, first of all the automated system took all the information then disconnected. The second time she got through to a person. The call was a series of confusions. The operators had a poor command of english. I am not biased. Our immediate family comes from 3 different continents.

In March 2016 I made a small purchase at the Sears store in Vineland, NJ, and was offered a special discount if I signed up for their Mastercard. I did, and received a "Welcome" activation letter that promised 5 percent statement credits on everyday purchases such as groceries, made before 5/31, plus an extra one percent if I enrolled online. I did and used that card for all my grocery shopping but did not see the rewards mentioned on my monthly statements.

The worst credit card experience I have ever had! Sears gave me $4,000 credit line in December. Money return for exchange took them 3 months. I have never been late on payment yet 6 months after having the card I get a message that my credit limit has been lowered to $3,750!! with the explanation that every credit card company does it. NO. THE HELL IT DOES NOT! Please DO NEVER EVER open credit card with Citi Sears!!! They are liars and thieves! I will never ever buy anything from the ALL AMERICAN Sears and will pay this off ASAP! Per all of the reviews here I can tell that unfortunately I am not the only one! P.S. Sears is probably run by TRUMP DUMP!!!

People will have a hard time believing something like this nightmare could happen. But, it's true. I wish it weren't. Early last year (Feb 2015), we purchased over $10,000 in appliances at the Sears in Bowie Town Center (Maryland) for our home renovation. We had the money to pay in cash, but the sales lady talked us into applying for a Sears card at the time of sale to get a discount; and we did. I paid off the card right away to avoid interest fees. Unfortunately for us, Sears had forgotten to include a $35 part we had ordered: the kit used to connect our stackable Washer/Dryer together. I called Sears as the workmen were installing the appliances and they arranged to send us a kit - for $75.00 or so in shipping. I complained that we should not have to pay double the price of the item in shipping costs for a part that should have been delivered with the washer/dryer. She spoke to a manager and told me the shipping would be credited back.

I have had a Sears card since 1994. I don't carry large balances on any of my cards, and the Sears card was paid in full about six months ago. (I only had about $300 on it, and had a limit of $4,300). My credit score is 875. I have never been late on a payment. This morning, they informed me that if I don't charge something at Sears by March 31, they are going to lower my credit limit to $200. They said that by not using my card I am exposing myself to fraud, and that this was a protection for me. I questioned them on this, and they said I wasn't putting myself at risk ordering online from Sears, but I was by not using my card. It sounded like they were blackmailing me so I would have to buy something from them, or else they would lower my credit to nothing. I threatened to close my account, and they didn't care. They also said that if I close my account, I wouldn't be able to get another Sears Card. What kind of a company is this?

We got a Sears Credit Card with a high credit limit to furnish our rental home. We always made our payments on time until one month we could not make the regular minimum payment. We called and explained that when we received our tax return just two weeks later that my husband and I would pay off the card. The rep said "That was great."

I made my monthly payment via phone for $25 as I always do every month. Then I looked at my online banking then 3 days later and saw that my account was negative $930 along with over $300 of NSF fees. Sears took out the whole balance owing on my card instead of the $25. At the same time, all my other scheduled payments had starting hitting my checking account. That happened on March 31st and I didn't get my money back until today (4/20), which is 20 days later. In addition, they refuse to refund the NSF fees, not to mention the late fees on my CC payments. I was financially devastated and didn't even have money to put gas in my car. This is the second time this has happened to me. The last time was a year ago and I thought it was a fluke. However, each time it happened, I spoke to a live person on the phone which is actually Citibank.

I called to lower my auto payment by $50 since I knew I couldn't make the payment that month. I specifically told the lady I talked to this must go into effect immediately as no funds will be available at this time. She said, "Ok & would take care of it." Well my auto payment went through & it was for the full amount & as I knew, the amount taken out caused my bank account to overdraw. The fees from my bank were almost $50!!!

When called by Sears I was late in my Feb 1, 2016 payment. I had made a phone payment 1-28-2016. It was lost. This incurred a late fee. I made up the payment plus ask for the late fee to be waived. Sears removes fees from balances but not from the payment registers. They have continued to increase the payment register with late fees for March and April even though I have made payments for those months. After many calls I cannot find any employee with the authority to make the correction. City Bank's Payment register is out of sync with the master account file. They say one thing and do another. When I am forced to pay the overage to right my account where does the money go? Looks like money laundering (fraud). Two sets of Book. Who governs City Bank and Sears? This is happening to all Sears and Macy's customer by City Bank.

There was a huge promotion for 10% cash back statement credit running through Sep-Dec. 2015 for which I got an activation code. Did so, called back to confirm and I was told everything was in order. Waited long enough to see the statement credit which never showed up. Called up twice and they assured it will take 2-3 billing cycles. Still nothing after three months. Today when I called up, they said the offer did not get activated in their system and I should meet them half way through and accept 50 dollars instead of 500 dollars that was due as 10% statement credit for all the holiday shopping I did on that card! They were rude and made it sound like my fault.

I paid off all of balance and closed my account on 12/2/2015. I received payment notice by letter that it was issued on 2/20/2016. Payment date was 2/26/2016. I have no balance on statement. I have no card anymore but it says going to withdrawn $200 from my bank account as recurring payment. I didn't receive this notice on December, January so I went to website to check my closed account and to delete my bank info.

I have been with Sears for more than 50 years and never had a problem with my bill. The problem they keep sending new cards. Somehow something happen and they claim I am delinquent with my account. Would you please check my acct again and send me the card number which is working. For you to send this to me is so bad. I will never buy anything anymore from sears. It says I have not been paying my bill. Just get to it and check my account. It might be under my husband's name Richard **.

January 2016 received a 0% balance transfer offer via mailed checks and email. Requested a balance transfer online on 1.25.16 to pay off another credit card with a higher interest rate. Was told it would take 7-10 days to process and I would receive notification when it was approved. After no communication I contacted Sears Citibank MasterCard to inquire about the status of my request. Was told it might take up to 14 days to post. Called back on 2.10.16 to follow up and was told it had been processed the previous day although the cc it was to have paid off showed no payment. Told to check in a day or two as it might take the other cc a while to post it.

I've gotten the run around after fraudulent charges were made to my card. On December 28, 2015 I cancelled the card and was told the fraud charges would be taken care of. Now it's February 2016, they are harassing me and messing up my credit. I was told I would receive a confirmation letter on Jan 20th. I never received one. I would strongly recommend not to do business with Sears or Citibank.

I recently purchased a mattress and charged it to my Sears MasterCard. I purchased it online and selected the option to defer the payments for 18 months with no interest. When I received my current statement, there wasn't a promotion applied and I was charged interest for not paying the balance off in full. I called customer service and the representative was very helpful. I had the issue resolved in less than 15 minutes.

I cannot get over this stupid debacle. I want to stop paying my Sears Credit card altogether. Citibank has my Sears card and they keep stripping off its sign in rights. This is the 2nd month in a row this has happened. Whomever is the boss in charge of the department responsible for this you sir are a grade A certifiable BLEEP. To keep doing this to your customers because of your incompetence in integrating systems and your NEW systems refusal of my information for a 2nd time is even worse. Who tested this crap? A chimpanzee?

Worst credit card company. I recently applied for a card and haven't received it nor have I received any bill. So I call the store and they tell me they have nothing to do with the card and they transfer me to the credit card company or whatever. First of all very disrespectful, I asked why I haven't received anything. They said all they had to do is change my address. But they're yelling at me like it's my fault. So long story short they can't change my address and said ("we are not going to send you the card OKAY BYE"). It was my second time calling and I asked to talk to their supervisor and they said ("no I am not going to let you talk to them") and hung up on me again... And I am not about to deal with their BS so I am going to pay off what I owe and cancel the card... Anybody thinking of getting a card with them think again and DON'T GET ONE PLEASE. IT WILL SAVE YOU HEADACHES...

Better off if you stay away from Sears, period. Sears card will not help you against Sears. I was scammed and defrauded. Tried to get my money back and finally wrote them that I was sending my final payment which wrote on my check full and final settlement for account #**. I had already paid 4x too much. They cashed the check. Now, they are threatening me and screaming at me over the phone. I have been calling them every Monday and this Witch called me the next day screaming. I told them already that my attorney will be contacting them. This company is the scum of the earth. Horrible!

I ordered a gun safe on 10/27/2015. I used PayPal and was charged that day. Shipping was $311 and I paid an additional $75 to have it delivered into the house. They never called before delivering it on 11/6/2015. A minor irritation. It arrived on a pallet with only one driver. Long story short, I refused delivery, called customer service and cancelled the order. I was told that the refund would take 7-10 days to process. Patiently waiting, I did not receive the refund and finally called on 12/1/2015. It was explained to me that the trucking company (Demers) sub-contracted the delivery to another company (Forward Air Inc.) and they hadn't sent it back to the Sears warehouse yet. It was "because of the holiday".

Contacted Sears Citibank 7 Dec to cancel my Sears credit card and to request a waiver for the payment of compounded late fees. Representative said they could only waiver payment for the first late fee each month. So if I contact them each month to waiver my late fees for the previous month they add another late fee for that month. What a rip off. The banks get bailed out but the banks cannot seem to help the customer. I usually only shop at Sears of specific items they carry but I will no longer shop there for anything. Sears Citibank is the worst banking service I have ever dealt with. Done with Sears. I have been a loyal customer for over 15 years and never had a late payment and this is how one gets treated.

Sears withdrew money from my bank account twice for the same bal. When I called them on this, they told me to send them a copy of my bank statement, which I did. They then denied having received it, and they would NOT bend. Only when I filed a complaint with the Better Business Bureau did they comply.

My mother added me as an authorized user to her Sear's card. She was trying to be helpful as I am buying a new home. All she had to do was give a little basic info, no SSN, and Sears Credit Card Services promptly reported it to the credit bureaus. No authorization needed. I have credit monitoring and it popped up. I had her immediately remove me. Sears was then completely unhelpful. They refused to contact the bureaus to have the history removed from my credit. They explained how no updates would be made, which is a terrible thing because that means that credit card with a balance would remain on my account. They did offer to send me a letter showing I was removed as an authorized user but sent it with the wrong name. When I tried to call to get a letter with the correct name they refused to talk to me.

I bought a short sale home, had basically 0 balances on my credit cards - and once moved in the work and spending began. Did I go over it? Probably but all my bills paid on time. They said my account was expiring and they did a review and closed it completely. No warning, no nada - I paid 1/2 of the bill and could not find a person who has abilities to do anything but give you their scripted answers. Told me had to reapply and was denied and currently all my cards limits are being raised - I guess for X-mas. Go figure. So I went to my Synchrony bank and was able to get my appliances from them - $2,000 NO problem! I don't get it?? And I have 2 more Citibank cards, no issues - what is their problem? Sears has been iffy for a while, maybe they need to shut them down with this type of attitude towards customers... Been one since I was 19 - get a Sears card for $50, you were on your way. Sad people, sad.

I opened an account at Sears. I always pay my credit cards each month. I never got a bill or a card from them and unfortunately forgot about the account. A year and a half later, I received a letter from a collection agency. I told them I never got a bill or a credit card. They said they couldn't do anything about this. I called Citi, Sears. They acknowledged that all of the statements had been returned because they were sent to a physical address not my mailing address. I was on the phone for about 2 hours. They refused to help me because they sold the account to a collection agency. I will never do business with them or Sears again.

My Citi Sears card had a promo offer, no interest for 12 months on purchases over $500. Well I applied for it but when my statement came I chose to pay off the Statement amount in full which included the promo purchase. The promo amount/purchase charged was included in my statement balance and was not separate. I get text messages to my phone about my account and I went in to check my account today and I saw that I had $500 balance in my promo account which meant they did not apply the money, which I paid, in full to that account. I looked at my statements and I did not see a credit anywhere for the $500 that they didn't apply to the promo balance.

I moved and I got a letter from Citi (Sears credit card) saying I owe 325.19. I called them and said I paid it off. We figured out I had 2 accounts from the same company and same store. They said I owed 64.00 and never paid it. I also said I moved but have had the same phone number for 9 years and never once received a phone call in regards to any of this. I explained I have always paid all my bills and wrote a letter to Sears Dispute Center on April 22, 2015 and never had any response. Now I have a letter from a collection agency. Is this for real?

Sears Credit Cards has named me a fraud for some unknown reason, defaming my name and reputation as well as embarrassing me in public (I am taking this up with a lawyer). Then they reduced my $3,000 credit limit down to $25 without telling me they were doing it or why. My balance was at about $400 at the time, so then they started charging me $77+ per month for being over the limit on my charge account. On top of all of this they are charging me over $140 each month in interest on this same account.

I recently made an appliance purchase at Sears Outlet in Winter Park, Florida. At the time of checkout I specifically requested to apply for the Sears MasterCard. I wanted an open line of credit that I could use, not only at the time of purchase, but elsewhere. I provided all information knowing that an approval would be granted. The salesman applied me for the Sears card instead.

In August I purchased a riding mower on Sears card as they were offering $100 statement credit with $1,000 purchase. Paid off the balance less the $100 expected credit in September. Just got a bill for $100 plus $29 interest and was told by Sears Customer Service that I need to pay it and the credit won't appear for another four weeks. How am I getting a $100 worth of credit if I end up paying $58 in interest?

I sent a check from Citi Bank to clear my debt to Sears credit card, they deny that check, and send me an email which "we do not accept check from Citi bank." They only accept checks from couple of banks which they provided to you. I'm already paying interest of $60 dollar for $3000 dollar debt with no due date on that. My recommendation is stay away and do not apply for Sears credit card. They just want to charge a lot of interest even if your credit score is high.

Ordered a bed by phone three days ago. Was told my purchase was successful. Discover phone message on my answering machine today asking me to phone the number left for me in order to complete my recent order. I call the number to be told that because I have not used my card in a while I must call the number on my credit card. I am annoyed. I have had to answer a lot of personal identification questions when I placed order and when I call number left on my voicemail. I cancel the order for my bed and call number on my credit card. I told the person on the phone that I am annoyed and want to cancel my account. She cheerfully says "ok. Account canceled". Wow. Great customer retention strategy. I just laughed and hung up. I still feel Kind of shocked by Sears complete lack of customer service. Have chopped up card and will never shop there again. I will not be punished for using a credit card infrequently.

Worst customer service I have ever seen. I have 2 cards with them since 2011. I always make payments on time. On my I used one for $71 and never received a bill. I had so much going on till October 3rd when I received a call from collection agency. When I call Sears the representative was so rude and refuse to tell anything about my account and gave me the recovery department, this was after I answered all her confirmation questions.

Horrible customer service, I recently moved, updated my information and all of a sudden I used my card and they locked it and locked my ability to see my statement online! No one ever advise me about this or attempted to call!!! Not only that they want me to contact them from my previous phone number which I no longer have and refuse to unlock the account even I can verify everything else. What is the purpose of security questions and passwords of accounts then??? Not only that they claim I am doing fraud. REALLY people change their number and move every day. It is not my fault that the dumb rep didn't update the information as requested! Oh but they are able to and want me to make a payment although they don't allow me to see my statement because they locked my account. How the hell am I supposed to see what I am paying?

I lived outside the US for the last 5 years and so did not use either of the cards on my Sears account. I returned to the US a few months ago and asked for and received new Sears charge cards. Despite being a customer of Sears for over 40 years, Citibank cancelled both my Sears charge cards with no notice for inactivity less than 2 months after I received valid cards. I know from prior experiences that Citibank is truly "the bank from h*ll" and I fault the judgement of Sears for turning over their credit operations to them without proper guidance. The limits on both cards were very low and Sears/K-Mart will be out of business soon so what the h*ll.

I have had so much trouble with ordering online with Sears. A year ago I had ordered a nightgown for my mother. They sent a baby's onesie instead. This year ordered a refrigerator online. Told it could ship right away, then found out it would take three weeks. Cancelled order, told that the charge would be taken off--DID NOT HAPPEN. Was charged the minimum payment plus for the final product we bought at the outlet store. Never received bill or email notice that it was due.

I got some balance transfer checks from Sears M/C in the mail. These checks offered 0.00% interest for 1 whole year, so I thought it was a good idea. I jumped the gun too quickly! They charged me $45.00 for a transfer (to another credit card -- I had some periodontal work done) on a measly $900 check! This is way out of bounds. If the check were for $2,000 or $3,000 I could see a fee like this, but not on the $900. Unfortunately, after talking to a supervisor all they said was basically "Too bad, you should have been aware!" I'm very upset about this fee, and I'm all done with Sears M/C. If I close it, my credit rating will drop. If I don't use it, they'll probably charge me a yearly fee, or something!? Bad people; hungry!

Sears has snuck in "minimum charges" to my account without notification. My credit score was great until Sears. I had not used my Sears credit card in years and yet had past due fees and charges... leaving my credit score to drop - because they silently started charging "Minimum charges" to my account. Sears does not correspond via traceable email or chat. I suspect this is in their best interest to further keep gaining an upper hand as any lie told verbally is harder to prove. They prefer to only offer telephone numbers, that way they can bounce you around customer service and put you on hold when the average American, as-is, has little time to devote to catching these things and correcting them.

My 13-year-old son got my credit card and charged some online charges on my card. I had never activated the card because I had not planned on using the card. He ran up a big bill. I called them and canceled the card and they refused to make arrangements with me or even remove the charges since I did not authorize the charges and never activated the card. When all these online charges started popping up they should have called me to verify they were not fraudulent charges but I never received any notification till I got the 1st bill. I have never had this problem with my current credit card company. If they suspect a fraudulent charge they will call or e-mail me. I will never do business with Sears again.

I looked into refinancing my home. My credit score was 100 points below expected. I found out that my Sears account was past due by more than 150 days, but Sears just sent me a new credit card which I just activated. I called the Sears collection phone number (800-773-1116) to straighten out my past due account. The call was routed to a Free Cruise Giveaway. I had to answer the personal questions before I was allowed to talk to a representative. I hung up. I called another phone number, which was overseas. The rep. kept talking over me. I closed my new account. Was on hold for 10 minutes while she transferred me to an agent that would resolve my past due account. I am done with Sears Credit Services and will recommend to friends/family to close their accounts also.

I ran into a problem with my job in 2014 so I closed my Sears account and Citibank set up a payment plan to pay... $80 something per month. For the past 10 months I paid $100 or more per month on time even though my statements from Sears said the amount due was $79.99 per month. In July of 2015, I paid $80.00. I promptly (within 10 days) received a letter from Citibank saying my payment arrangement agreement had been terminated and I was no longer eligible for the program. After several phone call attempts to discuss the fact that this one month I had paid the statement amount, I have been told too bad... refer back to the letter from Sept 2014... you must pay the $86 or lose the arrangement. Oddly they never said I paid too much, they never put the correct amount due on the statement. I would avoid doing business with Sears and Citibank!

Sears credit card serviced by Citibank, N.A. is the worst credit card and servicing that I have experienced in 15 years. Here's why: I've made 4 (four) payments to Citi on 3 different accounts for a $141.42 initial purchase, only to have my current balance reflect: $181? The shady math that is used by this accounting department is immoral and unscrupulous at best. Each time I've called I've either been connected with someone outside the continental US that is incapable of simple financial accounting, cannot keep track with their own system to tell me what payments were applied to which account, couldn't understand that one account was closed due to a fraudulent purchase, couldn't reach a representative to send me a replacement card so I could actually set up an online account since their 'collections' department has failed on 3 separate occasions to apply changes to the account information - but did NOTE it in the comments section?!

They are charging 25 % interest and I have spoken to Representatives trying to lower the rate. They refuse and I asked can I close the account and pay it off at lower interest, again NO they refused to do anything. My sister spoke to them yesterday with me, it took us almost 20 min. of being transferred, put on hold multiple times only to start all over again with someone new. Finally was transferred to someone who helps with hardship cases. I am on a Senior income and this high % fee is too much for me.

I had ordered vitamins from Garcinia on a trial basis. I paid with the Sears Master Card. Before the month was over, I had received another order (which I had not ordered) for $85.00. I called the supplier and cancelled the order, I called Sears the same day. It took Sears 5 months to issue me a credit. Seeing how ineffective and unreasonable they were, I also cancelled my credit card with them.

I was charged a late charge for being 2 days one month, another late charge for being 1 day late the next month and another fee for not clearing the original late charges. Called customer service I was told they could only clear one of the late charges. I was charged $62 on a zero balance after they agreed to cancel one late charge. Now they reported me 60 days late to the credit agencies. My credit score is near 800 or was after my experience with them. I have cancelled my credit card with Sears. While I was talking to the cancellation person they did offer me 12 months no interest if I made another purchase and did not close my account. How generous. These people are nothing but crooks fleecing consumers with fees. Now they have lost a good and on time paying customer over $62. Needless to say when I purchase appliances for my remodel Sears will not be a place I even consider.

I paid my balance on my Sears MasterCard of $630.38. This was showing on statement on June 6 which was due on June 9. A few days later I noticed I had very little money in my checking account and other bills were due in. Went to bank, got statement of transactions. I paid Sears with a check for $500 and cash of $131 which they gave me 62 cents back. I have the receipt. On the bank statement it showed two transactions for June 6, one for the $500 check and another as a debit for $630.38 from Citi Sears MasterCard.

I paid for over a year for credit card protection. After stop charging on this card for over a month and I had to stop paying for credit card protection because it was too expensive to pay & pay on my credit card balance. I requested at least 2 times for some kind of reimbursement of all the payments for the protection and/or the payoff of my balance. They stated they could only credit my Citibank/Sears card one months of protection, which I have yet to see. I believe the protection I paid for should have paid off my balance, or at least substantially reduce my balance. Please let me know if anything can be done. Thanks!

My Citi account was paid up in full at the end of December. In February my automatic renewal for Norton software purchased software and charged it to my Citi account. I never received a bill until today (7/10/2015). The $89 software is now going to cost me $190 due to late charges. It turns out that I signed up for electronic statements. I never noticed these statements and now the bill is several months past due. When speaking with Citi, they gave me a credit for one month's late fee - $35. They were totally inflexible about giving me a larger credit or doing anything to ensure my credit rating was not impacted. I have been a good customer for 10 years and always paid my bills on time. And they have to stick by their rules, cannot escalate to a manager, or do anything else. They have turned a good customer to a non-customer. I am closing this account.

We have had a horrible time paying off this Sears card. We actually charged about $1200 on it one Christmas, almost three years ago. I figured I could pay it off within a year, and we'd be okay. Well, it had been a LONG time since we had a Sears card. I had not noticed the minimum payments and the interest rates. Good gravy! I have been paying on that same balance (with a few small charges like a coffee pot here and there - under $400 total over the three years). Three years down the road, and our account is now at close to $3900!

Paid the balance 1 day late; they reported my balance to credit report as 30-60 days late. Charged me an extra $51.51. So when I paid that off, they still haven't reported to credit company that it's been paid off. So my credit has taken a 60 point drop because of that.

I attempted to pay off credit card. I put it in the mail and from the time I wrote the check to the time they received it it was 7 days late. I was charged interest and late fees of $88.06. Horrible.

If you have a bankruptcy on your credit report Sears will not give you a credit card. Smh...but I'm glad 'cause there are so many bad reviews about them anyways!!

I got a SEARS card in 1999 and kept a small balance ($100-200) for 2 years and decided to pay it off in 2001. Everything was great until 2 years later I got a notice from a collections agency saying that I owed on a delinquent account from SEARS. I called them and then called SEARS and got it worked out. Back to having an account closed. 2 years after that, the same event occurred, only this time the credit agency couldn't contact SEARS, and SEARS said they gave all my info to the creditors. It was a giant circle of "We can't help you, call the other guy." I finally got a supervisor to take a fax of proof of my old account closure and it was again done.

I purchased a washer and dryer for around 2200.00. I had them put on the Sears MasterCard which they Upped the credit limit for me at the time. Before the first payment was due I called the credit card company to set up auto pay. I was told to wait for a bill since it was previously at 0. I wanted 200.00 out each month so by the time the deferred interest was up I would be close to paying it off. I got a letter that the card had not been paid. So I called and found out that due to a clerical error I didn't have an auto pay set up. The phone call to set up the auto pay was about an hour long. I cannot tell you how many times I asked if they had the MasterCard and not the Sears card since that was already on auto pay. The phone call to fix the other problems the first time was about an hour and a half.

I had a card with promotional APR which expired in April. I didn't realize this and now they have charged me with 25% deferred interest on my purchases. They have added around 3000$ as interest. I called them multiple times but to no help. They don't care. I have been consistent with my payments as I was on auto-pay.

Was told a lie to sell me on using my credit card. After a few months wife told me that she saw interest on the card and realized that Sears was doing it from day one. Shame on us for not finding it sooner. After calling we were told there is nothing that can be done when an employee lies to the customer. Well there is something I can do and that is not shop at Sears and/or purchase anything with their credit services. Sears used to be the best with tools and automotive. Not anymore...It's all about the lying and stealing to keep profits in the green. I hope others are lucky enough to read this and not use the Sears Master Card and get charged like I did over a lie.

I am totally outraged of how we have been treated. My husband was asked by a foreigner in the Sears store to apply for a Sears card. Little did we know this would be the biggest mistake we would ever make in our life. After the first month we noticed finance charges that were not suppose to be there. So we called the company to inform them of this mistake. Since we were told by the gentlemen that there would be no finance for 18 to 24 months. Well little did we know he had no clue what he was talking about and after arguing with countless people and managers we thought we had finally got it straightened out but it was just the beginning of our worst nightmare. We have had over 5 different promises made that they would remove the interest and finding out every month that we had been lied to over and over again anesthetics disrespectful employees.

It all began with my GAP credit card. I have carried a 0 balance on that card for over a year when I received a letter from Citibank stating they were closing the account, but not because of the 0 balance. It was due to my carrying high balances on other cards. I realized that this was a negative mark on my credit rating but didn't know what to do under the circumstances.

After being a loyal customer for 2 yrs and NEVER missing a single payment on my card, my car payment, rent, or any other credit account, they summarily refused to renew my card w/o explanation. Their answer, "After a detailed investigation of your credit history, we find you don't meet criteria". After my wife committed adultery, had a baby and left me with 2 credit cards she opened under my name, and cable company hardware she never returned, my credit rating isn't stellar but I've been fighting to get these cleared and then they do this? And what criteria is that, sorry my last name isn't Rockefeller, Gates or Morgan. Absolutely horrendous customer service and rude beyond belief. Since I'm part Native American, for want of anything better, I'm considering suing for racial discrimination, maybe I can get somebody's attention. This is how customer service works circa 2015 in good 'ole USA?

I received a letter threatening me to reduce my credit line if I failed to make a purchase before August 31, 2015. I spoke to cust. service about this and was told if I didn't buy something by that date that my account would be closed on 9/1/2015. I said this is coercion, I have this account to purchase large appliances. I used it originally to buy my washer & dryer. I planned to purchase all of my kitchen appliances, dishwasher, stove, microwave, refrigerator, etc. this fall or winter depending on sales and my son-in-law's availability to visit and install everything.

I applied for a Sears MasterCard by Citibank because they promote 0% liability on unauthorized purchases. Well that is a lie because I had a purchase that I did not authorize or agree with and they charged me for it anyway. It's probably because the company was also Sears. So instead of them working for you, they are working for their own, which becomes a conflict of interest. Do not apply for this card, they don't honor what they say.

Sears has charged me a late fee of $25 for being 1 day late on my payment in March 2015. I was busy with family problems that day & had forgotten but paid the following day. They would not give me credit for that late charge because they had already credited me twice before. So I paid off my account minus the $25 late fee & also cancelled my account. I feel that other businesses are more lenient & give a 10 day grace period. Well Sears keeps on adding late fee upon late fees with interest on late fees. Also Citibank is also calling me everyday, twice & three times a day to collect on their late fees that they (Sears) keep charging me. Sears & Roebuck, is this how you treat your customers? Is this the American way? I did write the main office in Sioux Falls SD but they still will not credit me.

On December 18th, 2014 I attempted to go online and make my normal monthly payment of 25 dollars. I have been a Sears card holder since 2011 with an excellent history of payments. After multiple tries the online payment service would not work properly. I then, called to process my payment over the phone. The representative that helped me struggled as well. I had to repeat my information multiple times and I got the feeling that they were not very experienced. I received all normal email notices thanking me for my payment and that everything was running smoothly. I have used both methods of paying my monthly bill with no problems for years. When it was time to make my January payment I was utterly shocked to hear the payment was so high. I called customer service and was very clearly told that my payment was returned and that I should call my bank for more answers.

In 2010 I opened a Sears account and bought a camera for my deployment. After making regular payments, there was a brief period of two to three months of no internet on my post. Lo and behold, my account was charged off. Way to go Sears for ruining my credit, and making me look like I can't pay my bills. It was hard being in the military. Harder when you're single and only you can take care of your own stuff. Pitiful customer service!

I had a Sears Mastercard and was having a hard time paying it and it was supposed to be on a certain payment plan. At any rate, the bill has been paid off for years, yet it still shows in my credit report and is ruining my credit. As long as it has been, can't I finally get that removed from my credit reports? After all, you did get paid off and I don't owe you any more money.

They cannot grow as a country until they are independent so let them become independent and let them create their own jobs and leave our to us.

Called into CitiCards to make a payment over the phone - provided Sears account # followed by last 4 of SS #. Then was ask for Banking Routing #, followed by Checking Account #, they then ask for amount to be paid - Thank you for your payment - then a person picks up from the Philippines and ask for my banking info -- and that they have no record of the information I provided. Telling me no payment was made.

I signed up for a new account on February 2, 2015 using the account to purchase a washer and dryer. By February 26, 2015 I had not received anything in mail on my account so I went back to my local store where I made the purchase and paid $500.00 on the account. By the next week I received my 1st statement for the original amount of purchase made on February 2, 2015. The payment of $500.00 was not showing on my statement. Today I received a call saying my account was 4 days past due (due date March 25). How can my account be past due when I paid $500.00 on the account early. I spoke to five different people from sears credit and no one can explain why the payment did not show up on my first statement but they can see I made the payment but it did not post to March billing cycle.

We bought a washing machine in Sears Store on a Wednesday evening and paid delivery charge of $69.95. We charged the sale and delivery to Sears Financial MC. On Sunday morning we went back to the store in person to cancel the sale, enough notice, because the delivery would have been 2 days later on Tuesday, between 10:00 am to 4:00 am. We have been waiting for the credit to the account for 2 1/2 weeks now, I called Sears MC they received no credit notice. They gave me the store phone number to check on it, and I was told that the $69.95 delivery charge would NOT be credited...2 days notice I can't believe this is happening at Sears. Now the due date for the Financial Mastercard is due in a few days, and still no credit. This is terrible service, so sorry we ever applied for the credit card. We are seniors, had many many years of different credit cards, but this one has very bad service.

Sears never sent a bill or my card I open on Nov. 28th. I showed my ID and they gave me an account and no card. They did not change my address in their computer so they sent the card and bills to another address that I have not lived at for 7 years. I called them in Jan. made a payment and asked why did I not receive a bill or card. It was because of my address. Now to change my address I had to send a fax and I did... I sent 2 faxes one in Feb and one in Jan. neither faxes went through. I also called them in Feb. and they wanted a payment. I told them to send me a bill and I will pay it. Well I got no bill or card.

I have contacted the Sears Fraud dept. several times to notify them of 3 fraudulent claims charged to my credit card on Oct. 29, 2014. Every time, I was told that the charges would be dropped. There was confusion on their end because shortly after the fraudulent charges were made, they issued me a new card. It seems that they are unable to track charges from the old card to the new card. I have explained this scenario every time and get the response that the charges will be dropped and then nothing happens. HAS ANYONE ELSE HAD THIS EXPERIENCE AND WHAT LEGAL ACTION CAN I TAKE AS A CONSUMER?

I missed a payment of $18.58 back on the end of January and received a late payment statement Feb. 19th for the $18.58 + $35.00 late fee. My wife called customer service and was told that they would waive the late fee if we pay $20.58 which I did the following day at the Sears Hardware store in our town. On 3-20-15 we received a statement for $55.58. Called customer service again. After talking with a service rep and a manager, we're told to pay $18.58. We explained what we were told back on Feb. 19th, but they insisted we pay the additional $18.58. Okay will pay it. After 40+ years of being a loyal customer we closed our account out. The thousands of dollars we have spent all those years meant nothing.

I received a letter today to my CURRENT address that my account has been closed because they do not have my CURRENT address on file. I called Sears and was told that there was nothing that could be done now that the account has been closed. Apparently, the post office made a mistake and returned a piece of mail to Sears making Sears believe they did not have my current address. If I would like to continue doing business with Sears I have to reapply for a credit card. Closing my account damages my credit score. Reapplying for another Sears card damages my credit score. I think it is totally freaking ridiculous that Sears is willing to lose my business for my lifetime because the post office made a mistake. Sears never made a 2nd attempt to contact me once the letter was returned to them. No phone call, no email. nothing. WORST CUSTOMER SERVICE. I will never shop at Sears again.

I was offered by the mail check with 0% towards any purchase so I wrote a check and they charged me 4% without telling me, so when I called to ask them they say yes you have to pay transaction fee. I was so upset that I wanted to cancel the account but they didn't help at all and they cut the call. Second time the same thing, they won't waive the fee. I won't use their card anymore. Sears credit cards are useless to me, they wanna send an offer at least honor it.

I was a member of Sears for over 12 years. In 2014 I went thru a financial time, and was risked with losing my home but I always made sure I paid my Sears credit card. I find out today that Sears closed my account because of my low credit score.. Yes it was low because I almost lost my home.. at no fault of mine. Even though I was faced with financial hardship I still paid Sears their payment every month and I paid on time. Good luck to Sears getting the rest of the money I owe them. I will not pay them another dime. It's the principle in life sometimes people are faced with difficult times and if Sears conducts business with someone that has been with them for over 12 years... I know for a fact they no longer need my money. I will not be paying them another dime. Take me to court.. see you there...

Rec'd letter from Sears, that they've completed a review of my account (balance= $0.00) and needed to inform me that the card account has been closed...the balance if any, needs to be paid and moreover, "please destroy your Sears MasterCard..." The crappy thing about this is I've been a customer since 2009 and any time I've had a balance, monthly payments were timely made and at NO TIME had EVER incurred any late penalties or fees (account was spotless!).

12/15/14 I ordered 3 multi-use radios for my granddaughters for presents. Never arrived for Christmas even though I was assured they would be. We went back and forth for 2 months. They said they were coming, gave me tracking code, UPS said they had a label but no package to put it on. I called probably for 12th time and was given the factory # and told to call myself and ask where they are. I called, factory person was rude and said I didn't have an order. I called Sears again and they said the items were ready for shipment, but one was damaged and I could have 2 and wait for the other or wait and get all at once. I chose to receive 2 and wait.

$50 purchased & advised a Sears MasterCard for a discount. Next $50 purchase, "Why use your MasterCard when you can get a Sears Card?" - another discount. Late payment on the 1st $25. No bill for the 2nd until a late statement included $25. Too much time & $150 for $100 purchases. Worst shopping "experience" ever.

Dec. 24th, 2014 I called my Sears account to pay off the bill in full. However I was late, my due date was on the 20th of Dec. I explained why I was late and asked if they could waive the late fee ($25.00 plus $6.60 interest.... totaling $31.60) especially since I was paying the account in full. He told me not to worry that he would take care of it. Stupid me, I actually trusted him. Since I had paid off the bill in full I did not pay much attention to the next couple bills that came in. I know that was a dumb move.

I have had a card with them for 10 years. I guess their computer system was hacked so they sent a recording to have me cancel my card to protect my identity, so I did. The nightmare began. They did not say I would not be able to access my account to make payments or any other information until I received my new card. I have the information saved on my account and deal with most shopping and payments online. They cannot give me my new account information until it comes in the mail so I will be getting a late fee and have to contact them yet again. The first time I called the service rep was rude and unhelpful. I did just get someone who was ok but still wasn't able to really help. STAY AWAY FROM SEARS. Get Capital One or another credit card company. They should give all details when they are in error. I will be closing my account.

All I wanted to do was call and get an update on when my 12 month no interest was expiring and why my log in was not working. I got no answers. They put me on hold at least 6 times. And kept blaming me for the reason why my log in was not working.

Lost my job in November 2014. I called Sears credit card to ask for reduced payments or interest rate. Unfortunately they refused and increased my payment. I don't think they care for customers at all.

Sears notified there had been a breach of information. Said account would be closed Jan. 30; Jan. 25 account closed without any notification. Called 800 # - Vinny was both uncaring and unwilling to help solve the problem.This has created great cost to our company, causing a shutdown until we can resolve this problem should Sears not absorb this cost. Being a loyal customer of 31 years, I am very angry that Sears treats its customers this way.

What else would you say about your experience with this product? How truly disappointing to value their products only to be treated like a second class citizen by their credit department. I 'had' been a happy interest paying sears card holder until they abruptly closed my account for being late twice in 12 months - the problem is, I was late once, the other time I misheard their crappy automated voice on my amount due and paid $20 less than what was due -- well too bad for me -- account is closed and they 'cannot reopen my account ever' but I can reapply! really? Thanks but no thanks. I'M taking my business to home depot where they value my business. Gee I wonder why sears is struggling? Skip this company - head to corporations who care and actually know how to 'reopen' an account!

Sears Master Card KEEPS billing us after it was PAID. 0 balance. Wasted time on SEVERAL phone calls to SEARS and Mastercard, and been told their oh so stupid finish line "I assure you everything is fine now, I took care of it do not worry". NEXT THING, BAM!!!! Again, a bill with last payment still pending and a late fee. Then it will (I know) go to collection AFTER several calls (hours of my time) and that is why Sears WILL close down. I am not only cancelling Sears m/c but returning a watch I bought yesterday (300 +) paid FULL with another card. I'm SOOO DONE with Sears. We've had Sears card for years, 50+ but cannot deal with their mistakes anymore.

Let me start off by stating this is the first time I write a negative complaint on a credit card. I was forced to these extremes because of the horrible customer service I received recently with this credit card. One day I checked my account balance and noticed it had increased by almost $230 dollars. I then checked my statement online and noticed I was hacked numerous times with fraudulent transaction from unknown subjects on the internet. I called their customer service investigations unit who advised me they would take care of my issue without any problems and they would send me a new card. One month later I received the new card but noticed the account was still unchanged.

My husband and I had a questionable charge on our statement so I called Sears MasterCard customer service. First of all they have the worst automated system ever, no way to get to what you need without listening to a very long speech about everything in the world! When I was finally able to get to a real person (after about 15 mins) he was no help at all. Would only give me his first name, Mersudin and would not help at all. My husband and I are both on the account but he said I was not the primary card holder so he would not help. Keep saying he was sorry in a very condescending way. I asked to speak to his supervisor and he said "he does not take phone calls", said he was it, he was as in charge as I was going to get. Sure makes you feel safe when you can't even speak to someone in charge when you are dealing with your money don't it!!! Just can't think of why this Mersudin person would not have to be responsible to someone higher up in the company. Sounds like a scam to me.

After being a loyal Sears card holder since 2000, I get a letter in the mail today saying that they will not be renewing my card based on a review of my account and a credit score of 633. So after 14 yrs of never having an outstanding account, I'm told that I no longer have an account with them?!?! I've always paid my credit cards (usually twice a month) and have never been more than a few days late with a payment (which of course they charge $25 late fee for) in over 14 yrs!!! Laughably, one of the reasons for my non-renewal was *insufficient length of credit history*! I guess 14 yrs isn't enough for these guys. No wonder your business is failing if this is the way you treat your customers!

I received a letter from Sears/Citi MC that they were not going to renew my card due to my low credit score. I think this is wrong. Everyone has hard times and they should be more empathetic. I have asked them several times to lower my interest rate so that I can pay off the bill, but they refused. They ever refused me the Credit Card Insurance. They treat consumers wrong. Now I am just paying off my balance. I think this is unfair.

My Sears Account was closed after 30Y plus. The reason was for Inactivity! I haven't used it this year cause I worked everyday.. Also, I moved which they said they didn't know. However, they have all my contact information. Let me be LATE with a payment and I promise you they would have contacted me. So now you will not have me as a customer, oh and yes, did I mention that I had just ordered 7800 in new appliances that I am now CANCELLING..I loved Sears, but from this moment on I will NEVER walk into any store associated with them.......period.. so mad.

I am being charged for two lawn and garden purchases of bagger systems when I returned one of these items. I am also being charged interest on the disputed item despite all purchases being on a promotional period of over a year. Sears credit services refuses to confirm that their store manager informed them that the item was returned via filing a dispute from the store on my behalf. I have filed my own dispute, which has yet to be settled other than a refund of taxes in the amount of about $18.

I have had a Sears credit card for many, many years. When I received my latest card in October, I called the number on the sticker to activate the card. I got a man who could hardly speak English and he insisted on telling me about services with other companies that I didn't want. He kept me on line for over twenty minutes until I finally hung up on him. I called Sears and complained and was assured that no charges would appear on statement. Of course they did. I called three times and this last time a very rude rep told me I was responsible for these charges. I cancelled my card and will no longer do business with them or Citicard, their bank. Frustrated with their customer service reps.

Sears neglected to send me paperless statements for 2 months and I forgot about them. Sears eventually sent me a paper statement stating that I was past due. I immediately paid the balance off. Little did I know that they had already reported me to the credit bureaus. After going through all kinds of hoops to find a department to correct this, I was finally directed to the Office of the President for Citicorp in Meridian, ID and a Meredith ** from the executive response team. She then started lying to me stating that they had sent me paperless statement. These statements were never produced. She was condescending by stating that I was responsible for my bad credit hit and was even intimidating by stating that if I didn't like it I could cancel my account. These people and Ms. ** specifically are really not qualified to be in any form of customer relations. Do not ever apply for a Sears MasterCard.

I ordered an item from Sears.com on 10-17-14. I then called and cancelled the order on 10-18-14. I was not very confident that the customer service rep knew what she was talking about, so I called back later that day and another rep confirmed that the order was cancelled. We check our Sears credit card every day online. As of 10-18-14, none of my transactions for this month were showing up. They were all showing on 10-17, but as of 10-18, they were all gone. Then, on 10-21, we received an email that our order had shipped (yes, this is the one that two reps had cancelled). I called Sears and explained. I was transferred a total of 10 times on this phone call. Total time on hold and on the phone with various departments was over an hour and a half. None of the reps could help.

Like I have seen in other reviews, I too have or should I say had a Sears Credit card. It was my first credit card ever and I have had it for 16 years and I was only late 1 time in February of 2014. Since then I have not been late, made extra payments. However, I went to make a payment on my card in August 2014 and find an email sent to me on their internal email that says they will be cancelling my card as soon as it expires, which lo and behold was already passed. I was shocked and I wondered what did I ever do wrong to deserve this after being a loyal customer for 16 years. I usually only use this card at Christmas time and then pay it off over the year.

Went to Sears today to buy a washer and dryer. In order to get free delivery I needed to charge the total to a Sears card. I had a Sears card going back to 1985, but haven't used it in a while. The associate said we could reactivate it. I ended up doing a quick credit app and was told they couldn't approve it. I have a credit score in the mid 700's, no late payments, solid credit history over the last 27 years. The ironic part was that I could have paid in full with my debit card. However, I wanted to get the 30% off and free delivery. Really not happy with them and will never shop there again. I was told I didn't qualify for the Sears card but was approved for the Barclay card. I went ahead with the purchase and will pay the bill in full when I receive it. This is from a person who bought a new Mercedes with no money down and drove off the lot with it. It makes no sense to me.

I was talked into a Sears store card. I bought one item and paid it off quickly. The card had a 0 balance and they terminated it. I also was talked into another Sears card. I used this credit card and made monthly payments. They closed THAT account and I didn't get the notice till 11 days later. Not only will I never apply for anything Sears related, I will no longer shop there and I will talk anybody who will listen into boycotting all things Sears. I am involved with a lot of social media groups and at any given time I can explain to people how Sears operates. One bad comment to 10,000 people at a time may not seem like much but...

I have been a loyal account holder of a sears mastercard for almost 20 yrs, always paid on time. And out of the blue, they closed my account when I paid it off and took 27000 reward points. And I would just like to redeem my reward points for gift cards but they said that I couldn’t. So sad that they do this to people.

I had been a customer with Sears, I believe since the 80s or 90s. I have had many times when I utilized my card such as when I remodeled my kitchen in 2000. All my appliances were bought and paid for from Sears. I recall that sometime after this acct. had been cleared we received an application for insurance that would cost us $14.00. We called and cancelled the insurance so we would not be charged. We kept continually to receive a bill for the 14.00 which we asked your company to cancel. We had our card cancelled and were not aware until we went to purchase an air conditioner from your company that our account had been closed. I had not called in to complain since I felt it was your loss that you had lost a good customer. I now am sending this email to see why you would cancel my account for such a petty reason. I do believe I should still have my account there and all the credit that had been earned up to the point that my card was cancelled. I will be expecting an explanation from your company.

I have been making my credit card payments each month, may have made one or two payments less than required. I spoke with a Sears representative and was told how to catch up with my payments and I did as instructed; made my payments at the store the same day I spoke with Sears and the next months payment a few days prior to due date, now I received my statement with payment not posted, more charges and fees and my balance owed has increased instead of decreasing. I can't win in this battle and need assistance. This is very frustrating.

Sears on victory city of canola park. On 7/30/2014, I was buying 1 pair teeny shoes. The salesperson said if you apply for credit card, you will get discount 15 percent. I agreed. I filled up application. When the salesman run the credit, he said "I'm so sorry sir, your credit was declined." Then I gave him $50.00 cash. He charged me $49.04 and gave me back $.96. On 08/29/2014, I received a bill from Sears that they charge me with credit, the same amount that I already paid cash. I called the Sears credit department several times. I faxed them the receipt but still no help. Sears is stealing my money and double charged me for one pair of shoes. What is going on? They gave a lot of stress. What should I do?

I am having the same problem as Teresa. 2 months ago, Sears did not send me a bill. Instead they sent me my bill via email - so they say - I've never seen it and didn't even know this occurred until we started to get collection calls. On 8/4/14, I called and spoke with Debbie, employee # **. She told me that she could see that we never were late with a bill and that she would take away the late charges. She said I should pay $25 right then and make sure that I paid $25 by August 17th, which I paid on August 8th. She also assured me that paper bills would arrive.

I always pays all my credit card bills in full on or before due date. This month due date came on a Sunday, 8/17/2014. So, the scheduled payment settled on Monday, 8/18. With that reason, they slapped $25 as LATE FEE and above that some interest amount charged. This is ridiculous. I am going to fight back this unreasonable charges, following legal actions.

Two months ago did not get monthly Sears statement, got a call, charged $25 late fee. Have never been late on payments. Explained that to customer service rep, said they would resend that bill and take off the $25. Next bill came later than usual and $25 late fee still on it. This time my husband spoke to customer service and asked why the $25 was not taken off as promised and why the bill was coming later, they said we signed up for paperless statement, and my husband asked who authorized this for we DID NOT.

Paid off an appliance purchased in May of 2014 on 6/28/2014. Everything good until they started calling for late payment. They sent me a bill that showed "payment reversal". Now I had to pay late fees. Going to sue.

My old Sears Citibank Card had a credit on it. The card was replaced by them over a year ago. On March 2, 2014, I received a letter from the Citibank with no telephone number and only the last 4 digits of the account number. The letter stated that they had issued a refund check on 11/26/13 but it was never cashed. I tracked down who it was and called their 800 number. I called and explained that I never received the check. I answered all of their questions to identify myself, except for the full card number, which of course was shredded when the new one arrived.

Bought new kitchen appliances on 18 months no interest credit contract from Sears. Two of the appliances delivered were the wrong items, items different than what we ordered. Sears eventually replaced the incorrect items with correct items. However, the corrected items were not included on the original 18 months no interest contract -- we found out later. For 18 months we paid on the appliances through automatic bank deductions, and when the appliances were paid off, we discovered we still owed Sears a balance.

For 3 years, Sears Citibank Mastercard was charging for Insurance on my card for premiums based on a percentage of my balance. I brought this to their attention. I did not authorize this and I am the account holder. They knew it was a mistake and I was told in writing that a credit would be issued to my card on 3/14/2012. I have a attached a picture of the letter. I have still not received this credit. They owe me $1,402.18 and accumulated fees and interest. With an additional two years of waiting, the fees and interest have accumulated to a credit owed of $3,312.77. In addition I have done everything possible and am a person with excellent credit. I continue to pay the balance in good faith that they will issue the credit.

I opened up a Sears Citibank card late May, in order to pay for a much needed brake job on my car. I didn't have many payment options because I don't make a lot of $ (understatement!), so when I was approved for the 'Interest Fee 12 month' promotional card, I was happy.

I was very pleased when I was approved for my Sears card. I paid my bill on time, never late. Then I received a letter stating that after reviewing my credit history, they had decided to cancel the card. I was surprised because my credit score had increase when they cancel the card. I called thinking they made a mistake and was told that it was their practice to review a person's credit and make a decision whether or not to cancel a credit card. I say it's not fair, but I guess Sears say who cares what I think.

I just got off the phone earlier today with the Idiot of India. I had had some problems logging onto their web site in order to start making online payments for my new Mastercard account. God only knows just how many times I had told the moron that I was on their web site and it didn't allow me to go any further onto the specific area of my type of card. Each and every time she would turn around and tell me that my browser wasn't allowing me to go to their web site and I needed to use another browser. This was after I had told her the different stuff that posts on their web site. What an idiot. I was at the point of wanting to reach down the phone line and throttle her. I finally said: Goodbye before I waste any more minutes on my phone.

Reading some of the earlier reviews just validates the poor customer service provided by Citi and how the card service tries to dupe its customers. Bought an appliance at Sears and was told by the sales person that my old Sears card was no longer valid and so opened me a new Citi Mastercard Sears card. I was supposed to have their promotional 12 month no interest gimmick. Got my first bill and interest was being charged on it. Went to the store to complain, spoke on the phone with customer service who said it would be corrected and got a letter saying it would be adjust after 2 billing cycles.

My account was closed after being a faithful customer for over 15 years. Never missed payments. Always had my payment set up on automatic pay. They were rude and awful to me when I called them. Said it was some crazy thing on my credit report. I have checked my report and they are totally losing it. There is nothing bad on it! Also they managed to take my FICO score down about 100 points, thanks to them closing my account. It is still fairly good but it was excellent before. Customer Service acted like they just didn't care. Made me feel like trash and I'm mad as can be!

I have the same problem as another person on this complaint thread. They forward to collections agency and refuse to help the customer. What or who can I call to get an answer?

I applied for a Sears Credit Card about 2 years ago. It opened with a credit limit of $2000. I was surprised and glad as it will help build my credit score. Several months later I received a letter saying they reviewed my account and reduced the limit to $320. Okay, I use my credit card at Sears and Kmart and pay my bill monthly, remember I am building up my credit, and they decrease my limit. Well I went to use my card the other day and it was expired. I called customer service and asked when the new card was sent. She informed me they reviewed my account and closed it! “WHY?” I ask, she does not know but did tell me I can go and apply at Sears for other card. I asked “Why would I do that? You just closed my account!” Very disappointed in Sears. I am not angry but extremely dissatisfied about my account being closed for MAKING monthly payments and doing the right thing, I get a closed account.

In February of this year I opened a credit card with Sears just to get $20.00 off a coat I was purchasing. That was a bad idea and I'll never do anything like that again. I paid for the coat when the statement came in. The following month, I purchased through the catalog 3 carpets which came to a total of $632.78 which about a week later I returned and received a credit note for the full amount - $632.78. When I received my next statement which I assumed would be at a zero balance, I was surprised that the balance was $20.04. I called Sears to find out what this amount was and after being told to call 3 different numbers and no one willing to give me any information, I was told it was the delivery charge plus the interest because I had not paid the full amount. I explained that when I was given the credit for the full amount, I did not know I would have to pay the delivery charge.

We have bought a lot of household items from Sears since 2009. This month we saw a $349 interest charge added to our balance of $367. We called Sears customer service. They told us last month our promo period ended, so we got charged interest for all the promo period. We always paid more than the minimum. They told us at local Sears store when you sign up for their credit card, they tell you all of the rules regarding promo period. I'm sure we are partially at fault for not reading all fine prints on their statement and credit card contract, but as a Business, Sears should try to work with their customer rather losing them. I rather pay more at other store than Sears for a better customer service. I would not buy anything from Sears anymore and do not recommend them.

I had over $200.00 in reward points I earned. I had a gift card sent to me with these points they said I had 3 months to use it. I called the day before they had expired and they said, "Good, you made it just before they expired." (Thought gift cards are not suppose to expire also just saying). So I went a little over what the gift card was for so I said, "Put the rest on my Sears Credit card." They said I can expect it at the Sears mall in a few weeks. Never got a call to say it arrived but I got my credit card and the item was on there for full price of the article $250.00.

SEARS - Feeling Scammed. I purchased appliance on August 21st of 2013 At Sears to be delivered to my new condo that weekend. I did several purchases during that time including a refrigerator and a laundry mat set from Sears. They got me when they said to apply for a Sears card and get 12 months no interest. I never received one bill from Sears. No notification. No late notice. Nothing.

Tried to make a payment online. It would not accept the payment. Went to Chat. The Girl Donna accepted the payment which went through. Told me to wait a few days and I could talk to someone and they would set up a plan. I could not afford to send in the last payment plan on computer so I sent less. I called. The woman was no help at all. I wanted to set up payment plan for the $115 a month and change the payment due date, which can be done. She said she couldn't do either. I would have to wait a couple of days after the billing date and call back. Here I am trying to pay, no matter what it is and she is telling me to wait. Which will only cause another late fee and more problems. Are these people insane? I am trying to pay my bill and they won't take any money, just what they want. It is so unfair. They say if you are having a payment problem to call and they will help you. Well! I sure didn't get any help at all.

I am only an account holder for barely 2 months, paid my card off in full for each of those two times. Dropped (paid) $4.5K for my last statement (I'm a heavy user of this card) and my bank account has reflected the payment about a week ago! - Yesterday I tried making some purchases and my card was getting declined. Checked my online account this morning and I was locked out. Called Sears MC to find out what was happening and spoke to 2 representative before handing me to the Manager. I found out my account was put on hold and is under review. I proceeded to ask on what basis and according to the manager she said she is not obligated to answer as to why my account is on hold. It gets better, she mentioned it'll be on hold for a month. Seriously?

I have been laid off for a year and Accountcare did everything they were suppose to do to help me with my Sears bill. I am very grateful for them. They made this difficult time in my life a little easier. Thank you, Accountcare.

I was in Sears Auto Center in Seattle twice in December '13 and was at the desk, about 15 feet away from the sign that indicated there would be Deferred interest for charges on your Sears card that were over a certain amounts. The Sears employee(s) watched me look at that signage several times as estimates were being written up, or more mechanic detail about issues came in. At no time did they advise me to either read the fine print that was way too small from that distance, or simply tell me that despite the signs that indicated to the contrary from my distance, that they weren't honoring the large print on the signs at that time. (I had gotten deferred interest in the past here...)

Have used Sears credit card over past 3+ years for purchases/extended warranties, i.e. sporadically. Recently, presumably a bill was sent in 16 days late, thereby incurring a late fee. A phone call in 10/13 elicited the statement that one late fee would be cancelled. I ascertained the amount owed and was told $29. Sent in a check for that amount but next month incurred another late fee of $35. It appears that I should have sent in $29.20, but I'm am nearly 100% positive that I was told by the rep $29 was the amount owed. I called 11/13 spoke to another phone rep who told me I now owed $72 and that they could only cancel one late fee.

I received my December 2013 credit card statement from Sears. We don't normally use the card but decided to purchase a new refrigerator in order to earn points. I sent in my bill on Dec. 20, thinking that there would be time to spare. The late fees were not supposed to kick in until the end of the month. My check cleared, and I thought everything was fine. That was until I received my January 2014 statement. There was a $25 late fee. I called customer service and asked why. I had sent in the bill on time with a couple of days extra. She explained to me that it takes 7-10 working days to process, and there is a 6 day grace period. So that means if they processed the check on Jan. 02, which they did, there should be no late fee or I was one day late, if they don't count grace period days the same. (Dec. 20-Jan 02= 7 working days not counting Xmas and new years day).

I made a minimum payment on my due date two days after I made a large payments for it can go towards my higher interest balance not my special promotion. When I looked at my statement they had only allocated $400 towards my higher interest and rear to my 0% balance. I called and asked why would they do that if I don't want to continue paying high interest and that was the reason of my additional payment. The supervisor was very unhelpful and said that since my special promotion was not a deferred promotion for purchases they didn't have to allocate full payment on higher interest rate balance. I told him that was illegal and he said it wasn't. Sears just takes advantage and charges high rates and they don't care to help you. Beware on those special promotions because you will still end up paying more out of your pocket.

I purchased something for $42 online with Sears. I received the invoice and paid it through my bank's online bill payer. The statement was due on the 12th and for some reason the payment wasn't processed until the 13th. They charged me interest and a late fee of $25.00. When I received the next statement I never opened it or it was lost. When I got another statement I opened it and saw that they had now charged me interest on the $25 later fee and another late fee of $27.00. They expected me to pay $57 or more in fees when I only spent $42 with them. I called and explained the situation and had to get a supervisor on the line. She understood and said she would take care of it. She told me that she was removing all the fees and it was taken care of. Today I received a collections notice for the $57. Unbelievable! When I called they were completely unhelpful and when I finally got a third person in the escalation dept. He is nice but of course his hands were tied and limited as to what he could do. Come to find out all the person had done the first time when I called was remove the interest of $4.00. So unreal. I will NEVER shop at Sears or buy Kenmore product again. I will cancel my card once I am assured that this won't hit my credit. BUYER BEWARE!!

I got a Sears Citibank Mastercard last year, with excellent credit, and before the year is even out, they have raised my interest rate to almost 26%!!!! This is unheard of for someone with outstanding credit. The issue is their card is going to cause me to not have excellent credit because my monthly payments are being raised at $20/mo increments and only about $38 are going to the principal amount. My newest monthly payment is $200 and my limit is only $6000. I just cannot believe the rates are this bad. I contacted them to discuss a lower rate, at least for a short period and they flat out said "NO". The best advice I got, to go "delinquent for two months" in which I could then call back and qualify for help under one of their programs. WOW, that is how you "HELP" people, no thanks. What a bunch of scam artists. I am now looking into why payments aren't being applied to the "promotional" amounts like they said they would be, of course their Pakistani representatives can't answer my questions, they just keep giving me the run around.

This was my second issue with Sears credit card but this time, I wasn't able to resolve it when it wasn't initially done correctly in the first place. I had a problem with a merchant called Life Reader Ltd, online reader from New Zealand and I got scammed really bad from them, as well as they committed Fraud to send logging documents and the contact for resolution to Citibank Sears Credit Card. So I did a rebuttal to their response and Citibank threw away my 8-page initial rebuttal and said I was out of billing rights that I have to pay up the amount that I was charged since I could not go back to the merchant to resolve this in the first place. There are other websites showing Sears been complained on especially showing on BBB website.

I have been a Sears cardholder for over 10 years. I have made my payments on time. I have an excellent credit score. My rate went from 13% to 21% APR FOR THE PAST THREE YEARS, with a balance of $10,000. Every time I call to request a lower rate, I am told no other rate is available. This is RAPE!! I have one other card with $3000 balance and have an APR of 8.99% on it which is Wells Fargo. I am beyond disgusted with how my account has been handled and the rate that I am being charged. I am looking at another card that has offered me 11.99% and will most certainly transfer my entire balance and NOT PAY any more money to Sears. They are greedy and will not patronize their establishment either. You have lost a customer for good.

I've had a Sears card since I was 19, the very first card I applied for. As my dad always said - this is the card you will need, in any instance, for emergencies. About 5 years ago, they sent me a Mastercard instead of replacing my expired Sears card. I called and after a few escalated phone conversations, I finally got my card back and a new SEARS card was in the mail. My concern was, if I'm going to carry a card in my wallet, I really didn't want a Mastercard... I'd rather have the Sears card in there as it's limited to where it can be used. Well, THIS TIME, they sent me a Sears Mastercard.

Yesterday, I received 3rd credit card. Previous 2 cards are still valid and received one each year. I called customer service asking to not send me these many cards specially when previous ones are still valid. Answer is "No" in simple words. It makes an account potential for any fraudulent activity having too many cards floating around. The customer service lady said that there is a protection coverage. But... Why to call for trouble?? I am seriously thinking of a different credit card.

I called Sears to use the Sears account care, and they said that I had to be disable for two years before they could do something about it. I became disable in 2010 and lost my job with the school at the same time. And the Sears bill is getting bigger and bigger every day and now it is 2013.

On Aug 7, 2013, I cashed in 13,800 points for 2 50$ Exxon gas cards. We never received the cards. I called them today on Sept. 4 to see when we might expect them. At the same time, I cashed in points with Citibank and Chase. I received those within just a few days with no problem. I had a 30-minute phone wait to speak to someone this morning with Sears Rewards only to be told they were not responsible for anything getting lost in the mail. I do not believe they were ever sent. I could not tell you the last time we had something get lost in the mail. I believe the cards were either pilfered by a dishonest employee or just plain never sent because the program is a scam. I belong to a rewards program with other cards and have never had a problem and I know that AmEx stands behind their program. If something is not received, they will rectify it. We will be cancelling our Sears Card because of this.

OK folks...... Sears used to be "the place to go" for everything, not anymore as far as I'm concerned. When I was a kid my folks shopped Sears & that loyal tradition continued with me for the last 40 plus years until a few weeks ago when I decided to purchase a grill cover for my barbecue online from Sears using my Sears card... MISTAKE! As soon as it was ordered I realized that I had ordered the wrong item. Long story short..... could not cancel order... had to wait till it was shipped THEN call customer service for a return UPS label. Mailed back to them.... now the fun begins (not). While I am waiting for a credit on my Sears card for the purchase a $25.00 late fee is imposed.

I also have two Sears cards and in January after using one received a letter the Sears card was being taken over by another bank. I completed the process and thought I had paid the bill. As it turns out one was for sears solution card and the other card was a Citicard that just said Sears. Since I monitor and check my account paying promptly, I never looked at the email statements. In any event a $130 bill to the Citicard (which says only sears on the front) had turned into a $280 bill. I rec'd a UPS letter and after reading it I called immediately. I was told they could only waive one late fee and it was illegal for them to do anymore.

I am deployed overseas in Afghanistan and use my Sears cards for ALL of my business, including sending cash (via Western Union) to my family. Sears for no discernible reason turns off my credit card at random. This despite my having paid off all of the outstanding bills and having spoken to customer service dozens of times... When you send them email they send you a form letter advising you to call International Customer Service except they keep you on hold for AT LEAST a half hour (at a dollar a minute) every time. As soon as I get home I am getting another credit card and dropping Sears (after 38 years).

I believe that SEARS and Citibank have credit card fraud practices, charging late fees prior to the due dates of the loans. Additionally, SEARS and Citibank harass customers through unnecessary phone calls and late fees. I have been a member of SEARS since 1977. I made a purchase in December of last year. By January, I was sent a SEARS bill indicating that I had been charged over my limit of $500 plus dollars. When I reviewed the bill, it indicated that if I did not pay by a particular date, I would be charged double the fee. This was not indicated before I made the purchases, which were only Christmas clothes!

I have been a Sears customer for over 20 years. I have not purchased anything from Sears by credit card in years. However, I continuously owe them monies. I called a few times to try and get this square away. The 2nd to last time I called, they put me on a payment plan to get this balance paid off. So they set it up where they took $15.00 a month for 12 months out of my checking account which was fine. So I did not bother to look at every bill because as long as it was being taken from my bank account, I knew they were getting paid. I have been laid off for the 2nd time for over two years.

I explained to customer service that there was a death in the family and that this was my first time using this card. I paid in full but was a couple of days late. I did not receive the next statement, and now I have late payment on top of a late payment. I did not get good help from customer service. I will be returning close to $1,000.00 of items purchased from Sears and cancel both cards I have with Sears. I have excellent credit and do not need to chance Sears messing with my credit.