Sears Credit Card Reviews

On the 13th, I expected to pay the higher % on the outstanding balance and pay it off in full that month. Not Sears. They back in the full term of interest at 24.7% usury rates. I asked the rep, "Do you think this is good business practice with their better, on-time paying customers?" Response was, "That's the way it is and we do business." So buyer beware of Sears tactics. After 35 years shopping at Sears, they can close the account, take their credit card/promotions and shove it. Worst shady retailer for customer service with the nastiest CS staff.

So, I called Sears on 4/3/13 and talked with a customer service rep **. She couldn't get in touch with anyone so she said they would get back to me. They did. I received a letter indicating that they would not credit my account because the late fee is valid. So then I mailed them a letter and indicated the situation again and that I was unaware that there was another card in my name out there and that I was closing my account. I received a letter back (so yes, they acknowledged that I sent them a letter) indicating that my account was closed but did not indicate anything about the enormous late fees they have been adding.

My original bill was $30 in Jan./Feb. Now the bill that was due on 5/13/13 is up to $189.84. I refuse to pay this amount in late fees. Now remember I said I paid the bill in March of $30. Well, they sent me a check back for that because they charged an account I didn't know of. I am willing to pay the $30 once again but I will not pay late fees on a credit card I did not know I had.

They put me on with a supervisor from North Carolina named Sue. After 30 minutes on the phone, she again admitted it was their mistake and told me it would be removed from my credit report and apologized for the mix-up. Then 5 days later, I got a letter in the mail stating it was not their fault and they would not remove it from the credit report! On the phone with customer service again and transferred to a so-called supervisor named Vinny from North Carolina. He told me that's the way it is and that's that. I informed him that on two previous calls they admitted it was their error. His words were, "Oh well, I guess they were wrong!"

So for being 8 days late on a bill I never received, my credit takes a big hit. Way to go Sears and Capital One. Great way to treat a loyal customer who has never been late on a payment and has always kept a zero balance. Time to talk to an attorney.

They maintain a US 800 number for inquiries and everything is written in English. He denied my request and after speaking with supervisor Ashley in North Carolina, employee **, she also denied my request even knowing that I was very dissatisfied and on the verge of closing my credit line. Any company that is so uninterested in serving their customer that they're willing to lose them over $5.37 is a company that I do not want to do business with. My account is closed and I have paid my balance in full.

While I fully understand your policies on foreign transactions, had Ashley or Carlos been willing to waive the $5.37 fee, I would have gladly maintained this credit card in my wallet for domestic purchases. But because of their arrogance and unwillingness to remove such a trivial amount, you've lost me as a customer for good. I know this is not how Sears operates and if this an isolated case, I am writing you here to give you one final opportunity to explain/redeem yourself as a company or lose me as a customer for good.

Later on that month I got another bill with the $7 plus, now $9 something. I called them and explained and they took the fee away and cleared out the bill. I was in the process of buying property and they turned me into the credit reporting companies as delinquent. I spoke to my banker. He laughed over the $7 being reported and told me that this happened and that all I had to do was call them, explain to customer service, and they could send him a letter acknowledging the payment and the error. I called them and spoke to a young guy who stated they could do that. If there was an issue, he would have a supervisor call back as they were all really busy. I waited a week and never got the letter in the mail and it was never faxed to my banker as promised. This dropped my rating about 100 points! I no longer would qualify.

I called back and spoke to someone in India (I think). I got transferred back to someone in Iowa (I think if I remember correctly) by the name of Loretta, who was completely unhelpful and unsympathetic to my issue or needs and told me that I need to wait for a letter from them and return it and they will consider my request! I mean on what planet is she?! I needed this resolved two weeks earlier and she gives me this option. I lost the property. I checked to see if this has been resolved in March as I found another property. My banker ran my credit report and found it was not rectified and they did not assist. I called back today... same stuff, different day!

At this time I am going directly to Sears. I will not use their credit card ever - if Sears (who I have sent request through their website for a call) does not assist me, I will never walk into their store again. (Sears used to have own credit cards and then switched us without our knowledge until the card came.) I am tired of customer service lines that keep you on hold and do nothing for you but piss you off more. Why are they called customer service when they do nothing? Are they trained to aggravate us or is it just stupidity? I can understand that the first tier of customer service reps have only certain amount of authorization, but when it moves to a supervisor that is no more helpful than a computer and has the same sympathy as a computer, I have to say, "Why bother having a customer service department? Just tell us upfront to go 'f' ourselves if we have a problem. It would save us a lot of time and at least we know what we got!"

I tried to use the email complaint method. It just does not work. This is done on purpose, it appears. After many attempts, I got a person. He said sorry about the circumstances, but that I need to pay the full balance now. Meanwhile, the card is being declined when I try to use it. This is a bit rough. And then I find out that this is the way Citi operates. I hate regulation, but given the complaints that Citi has generated, I fear that government regulation is necessary. Not really Sears’ fault. It is the predatory way Citi operates. So the card is history. Yes, I paid the full balance immediately. Now, I have to be extra careful that a bill of any kind doesn't get lost in the mail. How do I do that?

I got a little scared reading all the scams and tricky maneuvering Sears was doing to charge extra money. I contacted them via email from my account questioning the charges. To my surprise, I got a speedy reply and all was taken care of in two days. My interest was refunded, and they apologized. I can’t complain about their customer service. They have been good to me. But imagine what would have happened if I didn't actively check the amount as I always paid the same amount each month. They're very tricky and their penalties are huge! So be careful and monitor things closely.

On 02/09/2013, I drove 96 miles each way back to the Laguna Hills store and spoke to Faduan, who claimed to be the store manager on duty. According to Sears customer service, she is the lead sales associate, but apparently decided to pose as the manager for the day! She had me wait around for over a half hour while she checked to see what the problem might be. She finally told me everything was taken care of and the credit would be posted the following day! It was not. I called back again on 02/15/2013 and spoke to another "acting manager," who identified himself as George. He said he did not know why the matter was not resolved, but he would look into it and call me back the following day. I never received a call back from him and when I called back, I was told one lie after another and the problem was still not resolved.

I then filed a complaint with Sears customer service. Again, I was told they had no explanation as to why the money taken in was not credited to my account and promised to resolve the issue. On 02/20/2013, I received a call from Laguna Hills store manager Rory **, who had not returned my calls despite the 4 messages I had left for him with his "managers" Faduna and George. He only returned my call after receiving a call from the corporate office directing him to contact me. He apologized for the inconvenience and told me his employee and store had credited the account correctly. It is Citibank's fault that the credit was not posted to date! He told me I would have to contact Citibank, which issues Sears credit cards, and dispute the account or drive back to the store which is 96 miles away from where I live each way to resolve the matter or to any other store and ask for assistance!

The man did not seem to grasp this concept that it was his store and his employee that I had handed $274.75 in cash and not Citibank or another Sears store! I expected him to solve the problem and not pass me to someone else to deal with. He claimed that he would not be able to access my account without my presence at the store. I called the phone number to Sears credit that evening and was told by a very rude customer service supervisor, Jason, that the problem had been corrected and the cash payment made at the store 21 days earlier was finally posted to the account. When I asked for an explanation as to what the delay was, he told me "not to get a head full of steam" and be happy the matter was resolved as that "is good news, isn't it?"

I wasn't looking for good news! I wanted to know what the heck had happened to the payment for 21 days. I had to call back numerous times just to be lied to and passed from one entity to another as the Sears store blamed the credit department for not posting it correctly and the credit department said it is Sears store for not processing it correctly. In the meantime, $274.75 was just floating lost in space between these two complete moronic departments! No one was willing to take responsibility and it is very clear to me that honesty, integrity and customer service is very low on the priority list for Sears. Cheating the customers obviously ranks very high on their list. No wonder the corporation is going to hell in a hand basket.

I look forward to the day that Sears is finally out of business and all those incompetent buffoons they call employees and management are unemployed. I wonder if the executives at Sears realize that if people don't shop at their stores, they will not receive their fat paychecks and if they continue to mistreat, disrespect and cheat customers the way they did me, soon they'll have no customers left! I wonder if they have ever heard of Best Buy, Wal-Mart or Target. Better prices, better products and without a doubt, better customer care and service.

I called and spoke with one person who transferred me to an account specialist. They said they would apply to get my limit back up but surprise, surprise, I was denied because they had just dismantled my credit score! So now, because they took away $6k of my credit availability without telling me because they are greedy **. My credit is awful and I can't even get my line of credit back because my credit is bad. I have at one time had a $5000 balance on that card and worked really hard to get it back to $0. It's ** and this company is terrible. I hate Sears MasterCard. Do not ever get one.

I had a Sears credit account and I am a good customer. I always paid my bills and had paid the account up to practically nothing. I used my card again then while faithfully paying my monthly payment and more than once paid over the monthly amount. I have an online account to monitor my payments and make payment through that system. I noticed that I have a balance and I have credit on the account, but then noticed that even though I have $245.67 credit on that account, it showed that I have a zero available for purchase? I really didn’t realize what was happening. Since I work out of town and come home on weekends, it took me about a week to check my mail at home and I found no notice from Sears about my account. I called Sears’ customer service and had got an associate who stated that my account was closed? I asked why my account was closed as I have been paying my account religiously and I was in the positive, even though it showed I couldn’t purchase anything. I also stated that I did not close the account.

It sounded like the associate was reading from a script stating that due to my credit score being low, they closed my account. I was livid. I was so upset I asked the associate credit score? What do you mean credit score? I just bought my house and that takes a lot off the credit score. They said that there were some derogatory entries on the score also. So based on the credit score report, Sears decided to terminate my account. I stated I wanted to talk to a manager as the associate continued to repeat the reasons, again as if he was reading a script.

I talked to a person who the associate introduced as a supervisor, and I asked the person if he was really a supervisor as I have come across associates acting like supervisors. This person said he was a supervisor, so I asked for his name so I can verify his position. He then told me that he was an acting supervisor since his supervisor was out for the holidays. He also gave me the same excuse as to why Sears had terminated my account. I then asked, “Does the credit scoring department dictate who Sears has as their customers? Do they dictate whose credit cards are terminated due to their credit score? If so, do they have stock in Sears to have that pull?”

I would like to know when did Sears turn into a non-customer non-Sears family orientated store, especially when the holiday season is among us, when our economy is in a slump, Sears would do this to good paying customers? That is not good business; that is not what Sears is all about (depending on credit scores to terminate good paying customers).

She asked again for my birth year which started to upset me after spending all that time giving her my Social, address, phone and month and day of my birth. I was not trying to change anything with my account. They called me. I just wanted to provide my confirmation number to prove that I paid so they would not call my house harassing me about a payment. I even tried to ask for a manager in which I was hung up on. I called back and gave my whole Social along with all the other info and got hung up on again. I have been a long time card holder at Sears, but tomorrow I will be canceling my account with them. If they cannot keep accurate records of their payments and are so rude when they have more than enough information, I don't think they value me as a customer.

I can honestly say this was a huge moment of truth for me, a disappointment in the trust and delivery of the salesperson and company as a whole. Any company who truly values its relationship with a consumer would have waived this fee in order to keep the consumer (and in return, get a balance paid in full where they can make interest on the cash flow!). Business-wise, it would have even made sense for them! So disappointed with Sears. It shows their true colors.

Customers find out the hard way that their credit card will be automatically charged the annual fees. Customers were never told that at the time of purchase. Most customers are angry and frustrated of the dishonesty of Sears and their underhanded methods of taking your money and giving you nothing in return. Customers call and cancel in waves when they discover they've been cheated and lied to. Sears Canada is run by dishonest managers; their soul objective is to rip people off. Shame on you Sears,;what goes around comes around. Your days are numbered. Sears Canada, you will fail.

A year later, I tried to buy a house and my mortgage broker told me that Sears had reported me to the credit bureau, that I had a charge of $800 I needed to pay. I went to the Sears store and tried to get them to help me. The store manager said he would meet with me. Then, he made me wait over an hour to meet with him and then all he did was take my documentation and said he would talk to Sears Legal and get back to me which he never did. Another sales manager was able to contact Sears Credit department for me and said that a promotion was advertised for 24 months no payments/no interest. Meanwhile, during all this hassle to get my credit report straightened out, I missed out on locking into a good interest rate, so a year later, I had to refinance and pay closing costs again. I refuse to shop at a Sear or Kmart any longer. They have lost a good loyal customer.

I filed a complaint about Sears with the Attorney General of Kansas and the case was dropped because Sears did not reply to my complaint in the specified amount of time. I had some email communication with Sears Legal who informed me to send a letter to the CEO; they could not help me. I am now contacting the CEO of Sears, but wanted to get this complaint out to other Sears shoppers to beware of their scams to get you to purchase items on payment plans.

Since then I never received any communication from them, until today where I was shocked to receive a letter from them mentioning that I have a past due of 91 dollars. I called the accounts department and they mentioned that the payment of $63.52 was not processed on time because of some delay from their end and it was counted as late payment. The late payment charge on the 1st month was 29 dollars and they just kept on adding it on a monthly basis without alerting me, until today when I got a letter that the total due is 91 dollars. So although I made the payment on time, they applied some fraudulent means and kept on falsely charging my account. I tried my best to convince them by talking to their customer care representatives, but it looked like they were prepared to harass me. It's a disgusting experience. I request everyone to stay away from Sears Citi Card. They are fraudsters.

They made an error and were too lazy to do their own work to find their mistake. They claimed it was too much work to go through their records. I have had no similar problem with other credit cards. I am sorry so many other Sears customers have had similar problems; however, it is somewhat supportive to know I am not alone. It is too bad that a longtime business like Sears has allowed such dreadful mismanagement of its credit card business. I no longer shop at Sears. This experience was sickening.

Meanwhile, with effort, the matter was clarified; and the suspended sale was released and delivered. The delivery people made fun of this event, stating that a manager billed my card without my knowledge and calls would begin to pick up this second TV. Immediately afterward, the automated calls began coming in for me to pick up my TV at the store pickup. The calls persisted for approximately two weeks. I'm unable to have them stop! My credit card was charged twice and overcharged again.

Meanwhile, they became confused with billing. Some stuff reached me, while most have not. Officials at the credit company acknowledge that billing statements were being returned as undeliverables. I received two unwanted credit cards and understood that one was returned undeliverable. Others are out there with whereabouts unknown. I received one statement (the first and only) in March. The amount was wrong and greatly understated. I made a complaint that I owed more. The company refused to accept that I did in fact owe more and insisted that the full amount was as shown. I paid the full amount expecting an audit and a second request for money in the near future.

Many complaints were made to the card company constantly and in most levels and departments. Many were sent to Sears store as well. Sears began on March 9 complaint number ** through June 13 complaint number **. All were directed to adjust this bill to what I owed and give me a statement to pay in full. All billing and mailed correspondence stopped, as they lost my account mailing information. Without my knowledge, subsequent statements were being sent out and returned undeliverables.

On June 13, it was brought to my attention by way of a call from the company that this account was past due and fee and late charges were applied. And at the same time, they admitted they had lost my billing address and requested an update. My complaint is that they cannot deliver a statement, a statement with the correct amount.

In addition, I feel that I am not obligated to pay fees in such a matter that the error rest with them. An official (I will not post his name on the internet.) in the presidential level states that I must pay in full over the phone and give him access to my checking account or face prosecution and collections! He was very threatening! Most service operators will not identify themselves. I have been advised to just cross out the amount I feel is unjust and mail the rest, contact corporate Sears, and other such nonsense. I desire a mailed, deliverable written statement, indicating the correct charge less these bogus fees; and I will pay off this account. I desire to correct this situation without disrupting my impeccable forty-year credit. I desire for this company to stop threatening me.

I'm ticked as I have never been late on the card payments and only use the card when absolutely necessary, so they punish me for it? And I was days away from using the card for three new large kitchen appliances! Forget it. Not only will I not be using the card for Sears (can't, they cancelled it), I will no longer be shopping at Sears at all, nor Kmart. If this is how they treat customers, my business will be taken elsewhere, starting with my kitchen appliances. They have lost my business and that of my husband and in-laws and anyone else who is just as disgusted as I was regarding this. This was the second credit card issue I've had with them (the other was related to payments not being posted a few years ago). Don’t get a Sears credit card! You'll be sorry you did!

I told the called that I just made a payment over the phone two days prior with their collections department. They told me they had no record of payment and I was past due. I checked my Chase online statement and there, clear as day, was the $40.00 payment posted to my account from Citibank. Citibank told me to fax the information, which I did, though they still demanded payment.

I paid $500.00 (half of what I owe) on the 4th of May with the live representative. Again, two days later, I get another call from the collections department stating that I was passed due and owe payment. Again, my Chase account recorded $500.00 posted on my account. Citibank denies getting payment even though I gave them the confirmation number. I am going to Chase to handle these crooks for fraud!

They demanded immediate payment and even tried to insist I give them my bank account info so they could do an immediate withdrawal for the delinquent amount, which they should have had! The phone calls still are being made, even though I have sent a copy of my bank statement showing the payment was made to Sears credit card and the date of the withdrawal from my account, but still no reversal of the late fees or the overcharge of interest and no credit has been applied to my account! The last call was yesterday and the lady on the other end told me they didn't get the copy I sent of my payment and that they do not accept registered mail. They added that I was lying and had done nothing to correct my delinquency! They have also not started an investigation to see whose account my payment was applied to and have no intention to do so! They also would not assure me this wouldn't happen again and could be trusted to handle my payments responsibly in the future!

I am going to have to change my phone number as both my wife and I work third shift and all these calls during our night sleep time are affecting our work performance! Not to mention I have had two heart attacks and all this stress caused from their gross incompetence is jeopardizing my health! Can someone please give me some sound legal advice? Thank you and God bless!

Today, I received another automated phone call from Citibank about my overdue bill. The first person that I spoke with, who did not speak intelligible English, not only assured me that the charge had been removed but told me that she would send me an email confirming this. At least, I believe that this is what she said. I had asked to speak to a manager in order to confirm that I had been removed from the Rewards Points Program and was put on hold for a very long time. Eventually, I hung up and called back again. I spoke to another support person only to learn that you don't send emails and the charge had not been removed and I had not been removed from the Rewards Points Program.

He claims to have removed the charge and I have closed my account in order to avoid future charges for a service that I can not unsubscribe from, that I do not want and that I have never used. Sadly, the Sears card was my first credit card. I have had it for more than 25 years.

I have never received anything in the mail regarding money owed, I have good credit and now HSBC sold an outstanding balance, which I never was informed of to a collection agency. At this point, I will never buy any of Sears products or shop in their store and will be filing a formal complaint with the BBB and Consumer Affairs.

Now, this is very disheartening to me as I have been a loyal card holder for so long, and to not have received anything from your company as to why. I would really like to get a clear understanding of why my privileges and a long time good paying customer has not had any bearing on my account with your company.

I was told I should pay the total amount I owed because I was even late in making my payments. I therefore paid the whole bill inclusive of the annual fee which I had not budgeted for. This inconvenienced me as I had planned to do other things with the money. It was not made clear to me during application of the card or even in their application paperwork that the annual fee was to be included in my first bill. I called the Sears credit card center and was told the annual fee was waived and I would only pay the amount used to purchase goods at Sears. When I called back on the 26th of March 2012 to find out my final bill so as to pay it off, I was told that I was misled and that there's nothing that can be done. I will pay the whole bill (inclusive with the annual fee). They disorganized my planning (financially) as I had to pay the $59 annual fee, which I had budgeted for. I still feel that I should not have paid the annual fee because I was told (by a Sears credit card customer service agent) that it was waived when I first called on the 7th of March 2012.

Now why would I pay that bill all year long like that so that I could pay them all of the interest? I asked to speak to a supervisor but he would not budge. Poor customer service. I paid the $200 plus half of the interest and promptly closed the account. I will never shop at Sears again! Oh and something is wrong with the washing machine. So not only did I get screwed for having good credit and paying ahead of the due date...I bought a piece of junk!

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

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

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

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

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

Sincerely, Stephen **

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I went to Sears in Middletown, New Jersey and picked out a new stove. I went home and retrieved my Sears credit card and then attempted to purchase my new stove. I was declined. Upon calling customer service to find out why it was not approved, the service rep stated my card was closed. The customer service person stated the card was closed in 2008, unknown to me. I asked to speak to a supervisor and explained what had occurred to her. She stated that there was nothing she could do then she hung up.

Upon calling customer service again, and again getting connected to a supervisor, she stated that a letter was sent out in 2008 stating "due to inactivity, the card was closed". I told the woman that I never received the letter and checked my account last week and it did not state my account was closed. I explained to her that I kept the card for emergencies, for big purchases, to purchase something that was seriously needed like the one today. I told her that I had children at home and needed to cook for them. She did not care. Basically she said the letter was sent out and if the post office lost it or was not delivered, it did not matter. I have had an account with Sears since 1987.

This was an outrage that a credit card company would treat customers like this. I explained the situation again and it fell on deaf ears. She said simply apply again. I told the woman why I have to be put through this since I was not delinquent, nor had a bad credit standing, that I underwent a divorce and that I probably would not be able to get approved. I said to the woman that this was poor customer relations, that Sears would treat their customers like this was wrong. She said, “That is your opinion.”

In speaking to the sales persons there, this is not the first time that Sears has done this to their customers. A company that has been around for many years and almost bankrupt would treat their customers who have had credit accounts for over 20 years. In today’s age, as hard as times are, to walk in to a place thinking you had an open line of credit to make large purchases, to find out the company closed your account is the utmost embarrassment.

I did apply and was approved for $500.00, just enough to cover the expense to the kitchen stove @ 26% interest. I can say that any chance I can, I will tell people who shop at Sears about how the company really cares about their customers.

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

I am absolutely appalled at their business practices, irate at such reprehensible and callous treatment. Unfortunately, I still have a Citicard, which I opted out on earlier that has a balance and when I contacted Sears card to close that account, they simultaneously closed the Citicard account and immediately reported that on my credit report.

Well, considering we are hurting that's why we consolidated, I sent in a smaller payment because I don't want our credit ruined that we have tried so hard to keep clean! We just received another billing with more added interest! What is wrong with you? Do you not care about your customers? I have also ordered from your catalog on line and had to return some of it and was never given correct credit for it despite repeated attempts to correct it! We are in need of a new refrigerator and although we have been long time customers of Sears, I think we will get one elsewhere, somewhere we have treated like human beings and not a group of numbers!

After investigating online, many others have been through the same thing. It's some sort of scam. Sears rebate wants you to fight for the money, hoping that you'll give up and they get to keep it. Even if they do eventually send it, they've made moneys off the interest of holding your money for so long. I am so disappointed in this company. This will be the purchase I make from this store. Lately I found someone she told me I am not qualified because I have purchased something else. I didn’t get the thing right what is wrong from my site. I have the rebate receipt copy with me.

Most Recent Date Reported: 02/04/04

It is impacting my credit score and it says I have a balance and I should not. Please help me close this account so that I can rebuild my credit history.

I asked to speak to his supervisor. I said I did not appreciate being accused, even through insinuations, of lying. I said that as a paying customer whose payments help pay his salary, his rudeness made me angry; after all I was paying him, he was not paying me. I told him I resented being interrupted every time I attempted to say something to him. I am not exaggerating. As soon as I brought up the fact that I had never requested to be enrolled in the rewards program and had never authorized a charge for it, he began interrupting me every single time I spoke in an attempt to stonewall me and cover up the fact that Sears had illegally placed a charge on my account for the company's own benefit. I never lost control of my composure during the call and never failed to demonstrate courtesy and respect, yet he accused me of being rude to him, and that I had been interrupting him! The expression Denzel used was, "This is a two-way street." As far as I could tell, Denzel was driving the only vehicle, and it was a steam roller headed straight for me on a one-lane, one-way road. People and companies that make a habit of lying to their clients and that practice usury, often use the old "smoke and mirrors" routine, stonewalling, or bullying tactics to attempt to wear down the abused client and steal his money. When I demanded to speak with a supervisor, Denzel adopted an indignant and condescending tone (more bullying). At this point, he put the phone down, ostensibly, yet with no warning, to get a supervisor to speak to me.

At first I thought he had hung up on me. I am glad I waited on the phone on the chance that Denzel had not actually hung up on me. The supervisor, Ashley, informed me that there was no way to register a complaint! I have never heard of a company in which customer service plays such an important role and yet the company lacks any means of addressing customer complaints. At this point I realized that I was dealing with something very bizarre indeed. Ashley apologized for Denzel's rudeness, and informed me that since I had been such a loyal Sears customer over the years, that the review would likely go in my favor. I also had her double check to make sure Denzel didn't exact vengeance on what he perceived as my rude behavior, (at this point I wasn't discounting the possibility that the gentleman might be a paranoid schizophrenic and had done something terrible to my account records in a sick attempt at "getting even" with me for some reason.) Fortunately, he had done what I requested, submitted the interest rate for review and unenrolled me from the program and refunded the cost of it. Denzel needs to find some more fulfilling line of work. I sincerely hope I never have to deal with him again. I plan on closing out my Sears account and I’m never shopping there again, not only because of this experience, but because of the other experience I said I would recount in this letter.

Months ago, I took my car in to get the brakes repaired at Sears. All the car needed was new brake pads. When they called me back to inform me of the dollar amount of the estimate, they told me it was going to cost me in excess of $600! I had to pay an estimate charge to get the car back. I replaced the brake pads myself for only about $100. They told me all kinds of things were wrong with my car. So many things wrong with the brakes that I can't remember them all. My mechanic friend looked at it and his comment was, "They are robbing you. I'll help you do this and charge you nothing. Just get the parts." Which is exactly what I did and the car has been fine ever since. Why does Sears lie, cheat and steal and never has to pay the consequences? There must be a way to make a formal complaint with some person or organization which can effectively address this matter. If anyone can help me, I would be most grateful. I am not the kind of person who goes out of his way to complain about things. I usually let things slide and chalk them up to the fact that anyone can have a bad day at work. This, however, pushed my buttons, and was going to cost me money I can't afford to spend now. In the words of Mr. Filtch of Hogwarts School of Witchcraft and Wizardry, "I want to see some punishment here!" Thank you for any help you can give me.

The next bill I received in the mail showed another late charge fee on the amount of the other late charge fee. I know this is complicated but bear with me. I called Sears Credit Card again and complained of being charged a late fee for a late fee. I talked to a guy by the name Warren, I got frustrated and said “What does it show how much I have to pay to clear up this account.” He said $26.83 and wanted to know if I wanted to pay for it through the phone per checking account. I said “Yes and would my account be up to date with a zero balance and no more late charge fees” and he said yes my account would be zero balance with no late charge fee. Then the next bill came and there again I was charged a late charge fee on the last charge fee. I called Sears Credit Card and disputed the charge and the woman told me she understood and could see on my account the problem it was having and would give me credit of the late charge fees.

Later about 2 weeks my husband answered the phone and they told them that my account was late on payments he wanted to know how much they told him and he tried to pay for it on his checking account. When he told me what he did I called the bank and stopped that payment to be made because I was told it would be credited with a zero balance. This problems keeps going. I received the next bill and it showed that my account was not credited and Sears kept on charging my account late charge fees. I called them again and was told the same thing that my account would get credit on it and not to worry. The next bill I got showed the same exact problem No I did not call Sears because it is useless. I don't know if I should give this to a lawyer or just forget the whole thing...

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

The time I spent in selecting the new appliances is now lost. Twenty years of open, good credit is lost and will most definitely affect my EXCELLENT credit score. We had hoped to refinance our house after the kitchen remodel. Now who knows if we can get the low rate to refinance. Sears and Citibank will suffer negative consequences as well, since I will never shop at Sears again, nor will I consider any type of card that Citibank funds. I hope they all go bankrupt and close. We don't need companies like these.

I contacted them and said that I was not happy with that. We sent all the emails, correspondences where he said he would take of no problems. When the charge was still never reversed, I called and they said it was too late. The company is now out of business, there is no web site and the phone number is no longer valid. I think they reversed too soon and then realizing the company was no longer in business and they could no longer recoup costs so they made me eat the cost instead of Sears card. This is the first dispute I have had with them in the 11 years I've had the card. They did refund me $100.00, which I feel is their way of admitting fault, but I do not feel that I should pay for their mistakes. On 8/1, the charge was put on Revolution Cycles. On 9/5, it was put in dispute. On 11/30/08, the charges were put back on my card without them asking any other information or contacting me until after this was put back on. Called many times and all we get is, "I'm sorry."

The account kept reducing, but they cancelled it anyway. I quit paying. And they kept calling, and calling and made my life a living hell. Finally, last October, they sent us a settlement offer. Unfortunately I was out of town and only received the letter after business hours, on the last day of the offer. I called them first thing the following morning, on Nov. 12th 2008, to pay that settlement amount in full over the phone. They declined. But they kept calling, and calling and calling. I tried several times to get a reasonable settlement offer (Balance due minus the protection service and associated interest, and minus one half the interest accrued from Nov to current equaled about fifty percent of the total), again to no avail. They wouldn't budge. I asked them repeatedly to stop calling and to only deal with us through the mail. They refused, and kept calling, and calling.

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

After the Sears fraud inspector investigated the disputed charges, it was found that it was indeed fraud. In Dec she received a statement stating that $8,187.08 was charged off her account. She then had an acct. bal. of -$3,717.88. She immediately called Sears and asked to do a bal. transfer to pay on another card of hers and she wished to close this acct. She was told that they couldn't do a bal. transfer but they would issue her a check in the amt of $3,717.88 and she would receive this in 7 to 10 working days. Her available credit line on this card is $6,100.00 with a cash access line of $1,220.00.

She thinking her card is at a zero balance began getting cash at a casino here in town thinking when she reached her cash limit any further request would be denied. My problem here is: 1) The company's own policy is to not allow cash access at casino. 2) She should have only been able to access $1220.00 in cash even still. They never mailed her the money owed to her as she requested instead they paid it to her in cash access.

As I stated, my sister is bipolar and my family is fully aware of her poor judgement especially when it comes to money. Thus we went to great lengths to set up limits so she can feel independent and we don't have to worry about her losing or spending everything. I feel the card co. had no right to pay her the money owed to her as they did. If they had sent it out in a check as requested. If they only allowed her cash access limit she owes $1,220.00 even. Still what makes me madder is the fact that their own policy is not to allow cash access in casinos and yet they gave her all the money owed to and more. Is there anything that can be done about this? I know my sister spent the money irresponsibly but in her defense that is why we had made the arrangements we had to safeguard her from doing so. Can you help or suggest anything???

I finally did get someone to talk about this and was told they would take care of this, which they did send me a letter saying account care would be cancelled. We really thought that the payments that we did make would go back into the Sears account in be applied to the TV and washer & dryer so when my I paid it off last week I thought my balance should be around $329.64 but they are saying it's right around $900.00. That is awful to do to a person. I am a senior and have good credit and if I had known about Sears going business like this I would have put it on my Mastercard. Can you help me in this matter?

This is the only account that appears negative at this time on our credit report. Teresa, a Citibank representative, was rude and threatening. She tried to pull the bait and switch with us telling us to make a smaller payment on the account and then to revisit settlement. We know this will start the 90-day wait all over again. She kept trying to get me to say/admit/commit to things on the phone and stating in a threatening way that this call was being recorded and everything I say will be reviewed, etc. I cannot believe Sears/Citibank is so unwilling to work with people especially with the economy the way it is today.

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

I have been making payments to this for 7 or 8 months and assuming payments were being equally applied and now (01/01/09) when the promotion runs out I will have almost $500 in interest on my initial purchase of $2400 from April 08. They wonder why people are in a credit crisis with practices like this.

Therefore, I immediately requested, several times, by phone and by letter (with all documentation to support claim) that this amount be credited to me. This letter was sent 2 times to Sears since they stated they had not received anything and that I should contact Delta. I also contacted Delta Airlines who in turn stated that they submitted a charge of $1681.87 for each ticket, therefore it was Sears who needed to adjust my account. On the other hand, Sears told me it was Delta's fault. On October 20th, I received a letter stating that since I have not responded to their request, which to date I have no idea what they are requesting from me; they are simply closing this claim. The damage is a wrongful charge for a product which will also cause extra finance fees, and time and effort on my part for an error they committed and no one has resolved yet.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Correspondence back from Sears regarding the Dispute Letter.

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

First Disputed Return Check Fees.

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

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

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

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

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

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

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

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

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

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

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

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