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	Complaint: Not that Sears Credit is doing anything illegal, but just so everyone knows, they will not work with any debt consolidation agency. They practically tried to force me into bankruptcy. And even though my finances are better and I pay every month again, they've raised my interests rate to an astonishing 26.46%. Every month all I can do is pay the interest. Don't suggest loans, my credit is too bad. If the government wants to stimulate the economy then reign they should reign in these theives!!!!

	A Sears Card holder Massachusetts Complaint: I have a complaint about "Citi Cards", who apparently own the Sears credit cards. I was past due one month on my payment to my sears card. They sent me a notice saying I had 15 days to resolve that. First of all, the letter was dated 9 days before I actually received it, leaving me 4 days to get a payment to them. The postmark was 5 days earlier, from Ohio. Now what I want to know is why it takes them 9 days to get the notice to me, from 2 states away?!? It took them 4 days just to get it to the post office. Secondly, they claimed that I had "not cooperated" with them. Not cooperated? This was my first notice! I didn't have a chance to cooperate with them before! On top of all this, though I was past due, they continue to send me junk mail offering me Citi credit cards. I guess they like people who are a high credit risk. I am going to get rid of this card as soon as possible and I don't recommend getting involved with them. As another person pointed out, Sears does call at every hour of the day, for days on end when you are one day late paying them.

	Tracie California EmailAddress: greeneyedlady916@aol Complaint: Sears & CitiCard have been reporting my dad's chapter 7 bankruptcy on my credit report for the past 6 years. The account was opened 1n 1995 when i was 14, which i was unknowingly listed as an authorized user. I have an older sister and am not sure if she was also an authorized user, because she has NEVER been effected by this. And dont know why my dad would list me and not her. I never signed anything and never used the card ONCE. He filed BK in 1998, i was 17. March of 1999 i turned 18. No more than 6 months after becoming of age Sears & CitiCard began reporting the BK debt on my credit 1 year after the filing. First i tried calling Sears to get information about the account. I was always told it could not be given to me without my dad authorizing. I sent sears a letter and still have copies of it as well as all attempts trying to fix my credit in the past. I never got return mail or any response from the company. I could never get my credit reports from any of the 3 companies. Not matching their identity records. Not being able to get my reports because i did not have utility bills, a lease or w-2 form with all my identity and address verification. Not wanting them to go to my dad's house, that was te only place they could be sent. I am aware of my dad opening my mail, and im sure he has witheld my mail at some point. Although it is his debt, for some reason he wont call the companies and tell them it is not my debt and take me off as an authorized user. In fact, there are many events that lead me to beleive he has done something illegal. When i tried to change my address from his house, he called me and threw a HISSY FIT about it. Going and changing my address back to his house himself. Why was it such a big deal? And was way over reacting for some reason. He has always had the excuse that he needs my credit reports to do something. He doesnt need my credit reports to call HIS cred! it card companies. He also knows all my information and can order my reports himself. Not having the time and resources and not wanting to get my dad in trouble, i figured he would fix it or the mistake would be seen and corrected. Every now and then i would apply for credit which i was turned down. When trying to order my reports, i didnt match identity records. Finally, in July 2004, my dad hands me my mail which he had opened. Saying he did it by mistake. He handed me a consumer report from TransUnion telling me i was part of a lawsuit and i needed to sign it to be returned for investigation. Which didnt make any sense. I signed it happy that finally something was going to be done. But it wasnt to investigate the bankruptcy. It was for promotional inquiries made by 20th Century Insurance. I was at his house again 5 months later while he was out of town. Looking through the pile of mail he has set aside for my sister and i, i discovered the report still sitting there. HE NEVER TURNED IT IN. WHY, i dont know. But it furiated me and made up my mind that for some reason, he doesnt want me or anyone else knowing information and investigating. I have been suffering for the past 6 years because of his bankruptcy while he is spending thousands at Mardi Gras the past 8 years. I dont feel sorry for him anymore. I made a copy of the report ! and have spent the past 3 months researching everything i possibly can. Calling these companies on numerous occasions and trying to get information about the account. Which i still cant have without my dad's authorization even though they report a bankruptcy debt on my credit. I CANT BELEIVE IT! It is the biggest crock i heard in a long time. And i cant even be sure if he called them and told them not to disclose information to me. I am an authorized user, authorized to use the card in which they are reporting a bankruptcy debt that is not mine and they tell me i need my dad to authorize release of account information. Turns out the 20th Century inquiries on my credit was not for me. Which brings another problem with my credit merging my identity with someone else. The inquireis went on for over a year, and i would have never known or thought about it. Before i had recieved the consumer report in July, i was mistakenly sent a warrant for my arrest. It was a mistake. When i called to fix it, i found out an Arizona resident has the same name as i do. Our first and last names are the same. Our middle name is the same, but spelled different. But applications only ask for middle initial. The warrant was for a DUI in 2/1997 So. California. I was 15 about to turn 16 the following month, so it was not me. Guess she stopped paying her fine and so they issued her a warrant. Somehow getting her mixed with me. I dont know how, because she was born in 1956 and i in 1981. She had Arizona address and DL# which was not the same as mine. So, how could we get mixed up? Well, the warrant was fixed, and you ! would think that there was no problems. MINOR HUMAN ERROR, RIGHT? NO BIG DEAL, RIGHT? WRONG! I noticed the address of 20th Century, which was in So. Cal. I called them and they had a policy for this woman. Needing insurance for her court date. It doesnt make sense that years later they are promoting offers to her and they are all of a sudden ending up on my credit. And how are the inquiries ending up on MY credit when they are using HER information? It went on for over a year, and NO ONE can tell me how it has happened. Insurance does not get your SSN so if they are typing in her first, last and MI, they are pulling my credit i suppose. I dont know. And still dont see how that is possible. NOTHING MAKES SENSE. Tired of struggling and researching and investigating, i am filing complaints and voicing my experiences to others. I know it all doesnt have to do with credit cards, but think it wise to disclose credit report problems as well. I never knew things could get such a mess. And it was done as easy as hitting a button, misspelling a name or not verifying someone's identity. But fixing it has been HELL. Costing much time and some $$. Mostly frustration and anger. Although authorized users are not responsible for any debts, credit companies can report debts on authorized user's credit assuming they will pay to keep their credit clean. There are no laws, but have been few law suits, which if more people did, something might actually be done. The fact that they are holding a child, who was a minor, responsible for a parents' debt is outrageous. Although the bankruptcy was filed while i was a minor, as soon as i became of age, they began reporting a debt that is not mine as a way to get their money is UNPROFESSIONAL MISCONDUCT. Then to tell me that i cant be told information of the debt in they are reporting on my credit which has been nagatively effecting my life since i was 18....it is all BULL and in TOTAL VIOLATION of my rights and federal/state laws. It is unethical. I am in total shock and am speechless. There are no words for how SCREWED that is. I have been beating myself up for the past 3 months. I am stuck, unsure of anything going on with my credit. I am done with all of this, and i am ready to file complaints and claims. Not sure if i need a lawyer, i am looking for one to represent me individually or at last resort class action suits. I am aware that the state or government might act on my behalf. I just want to be prepaired and to know what i am getting into. I deserve to have a chance that was taken from me as soon as i got it. I am not going to hurt, struggle or suffer anymore. People deserve to lose their jobs. Or maybe they should let me HAVE their house and cars and they can live in a tent by the river, then tell me their MINOR human error is NO BIG DEAL. I WANT ACTION. I WANT ANSWERS. AND I WANT COMPENSATION AND A CHANCE AT THE LIFE I COULD HAVE HAD 6 YEARS AGO!

	JANE DOE Complaint: JUST RECEIVED A NOTICE OF CHANGE IN TERMS, FROM SEARS WHO IS OWNED BY CITI BANK. BOTH CARDS ARE BEING CUT UP AS I SPEAK. THEY ARE CROOKS AND THEIVES. IF YOU ARE A DAY LATE THEY ARE NOW CHARGING YOU $50. INSTEAD OF $35. THEN THEY WONDER WHY THEY ARE LOOSING CUSTOMERS. TO ANY ONE THAT HAS A CREDIT CARD, PLEASE ONLY USE IT FOR INDENTIFYCATION OR IF YOU MAKE A PURCHASE PAY IT OFF IMMEDIATELY. YOU ARE DEALING WITH FINANCIAL CROOKS WHO PREY ON POOR PEOPLE.

	Anonymous Complaint: Sears is the BIGGEST RIP OFF on credit cards. DO NOT charge on your Sears Credit Card if you want to keep your sanity. My advice would be to cut up the credit card and NEVER, EVER buy anything from Sears again. Sears SUCKS!!! I had bought a Kenmore refrigerator and stove from Sears with a year deferrment. Right before my payments were to start Sears upped my interest rate to 26 1/2%. Let's put it this way my loan was $1,800 a year ago and it is now $1,900. I have charged nothing on this card. The interest is a killer. The minimum due is $14. I pay them $50 a month and only a whopping $9.00 goes for what I actually owe. The rest is eaten up my their rip off interest rates. If you pay $75 a month, get this your next statement will say you owe nothing for the month. What a Joke - what happens is everything goes for interest. Rip off, Rip off, Rip off. They absolutely refuse to negotiate - interest rates are non-negotiable. I come from a family who, for generations, has bought Kenmore appliances including myself. NEVER AGAIN IN A MILLION YEARS will I buy anything from Sears. Take my advice DO NOT BUY ANYTHING FROM SEARS!!!!! It's time the consumer starts taking action against this credit card companies who are charging us any kind of fee they can, late fees, over the limit fees, under the limit fees, around the block late fees, the sun didn't shine today fees - any kind of fee they can possibly find. Not to mention the way they note in small print on your statement that if the payment is not made by a certain time of day you will acquire a nice fat late payment fee. I also like that fact that if you try to pay by phone you are charged anywhere from $4.00 to $15.00. We, as consumers, have got to stop this credit card mafia!!! Do not charge anything anywhere unless you can pay it off immediately. Don't let these companies screw us out of our hard earned money anymore. Let's but the credit card companies where they belong - OUT OF BUSINESS!!! Write your congressmen, write the Consumer Protection Agency. Let's get the ball out of the credit card companies court and fight back. I for one have had enough of this credit card rip off hell!!!

	JOHN DOWNES 1600 Kendall Rd Kendall ,N.Y. 14476 Phone: (585) 659-8689 EmailAddress: jbtr@yahoo.com Complaint_against: Sears Master Card Complaint: In Oct. 04 I was called by Citi Card to set up an automatic payment on my Sears MC and I did, the payment should have come out on the 28th of Nov. 04 went it did not on 12/02/04 I sent in an electronic payment. When it happened again in Dec 04 I sent in another electronic payment on the 28th both payments were electronic and both have been credited tomy account with in a decent time frame. I called Citi Card and Sears and found they had written a wrong number for my account I cancelled the automatic and went to an electronic pay through my bank. During the time period that this was going on I was never charged for a returned check or a late fee on my statement from Sears nor was I notified that any of this took place. In May 05 I expected to see my interest rate drop because of a six month review period which should have taken place in Apr. I called thier help line explained what happened the person on the other end accused me of giving them the wrong numberon my bank account. I after much angered explaination of exactly what took place I asked to speak to a supervisor I gave them my home phone number and was told I would be contacted in 24 hrs. This never happened. When I wasn't contacted by a Sears service manager I felt well things will change in June and waited for my statement again the interest rate did not change I called again and did talk to a service rep and manager they were both very helpful but again nothing was done but I found out that in July my interest rate will be dropped to the lower rate and the manager said she would have someone look at my complaint and send me a letter. I received the letter yesterday 06/20/05 and it asked me for more informationand asked me to call their toll free number again and speak to a rep.The rep could and would not help me and gave me to service manager Jermy who would not listen to or take a look at my problem he would only give me pat answers and tell me your accounrt interest has been lowered. Here is what I have found out so far Sears MC states that because the two checks were returned that my six month period for review did not start ubtil Jan. 05 and they have done a six month review and have completed it in the proper time frame. They also raised my rates to the highest allowable by law when that second check was returned. It is my contioned that Sears Mc was complacent in thier actions by never notifying me of the returned checks and aware of the error made by thier agent (Citi Card) by never charging me a late or a returned check fee. and my six month period should have started in Nov. they owe me the interest overcharge for May and June 05 and any interest penalties charge for their agents errors. The only Question I have is where do I go with this now?

	KC Texas Complaint_against: Sears Complaint: I am a long time Sears customer...every appliance in my home is from Sears. However, I no longer will buy anything from them. I called for a payoff on my account (which has always been in good standing) and recieved it. I sent it in that day...they held the payment for a week...and posted it 10 days after I mailed it. I know that the US Postal Service has a 2-day delivery mandate on first-class mail. The hold put it past the due date by one day. When I recieved my next billing...instead of a zero balance...they had charged me 360.00 finance/late fees. I argued for 2 days with them on this...went up as high as I could...to no avail...so I told them on the phone that I wanted to pay their fraudulent fees right over the phone. They charge me 10.00 to do it. Now...just got the new bill...and it has a 6.50 charge on it for some obscure finance charge. I hit the ceiling and called again and yelled long enough for them to remove it. Bottom-line...I believe the! y are crossing the line and making a concerted effort to bilk customers out of money with shady finance charges. BEWARE!!

	Scared Citizen Detroit MI 48214 EmailAddress: BluePatriot21@AOL.com Complaint_against: Sears Credit Complaint: I received a threatening telephone call at my work phone from a "Mr. Robertson" who said he represented Citicard. He told me I had not made a payment on my account for 4 months, and the balance was something like $1,000. Strange thing, I was online right at that moment with Citicard, and my balance was NOT $1,000, and I had just made a payment a few days ago, so I said he must be mistaken. The caller said he knew my social security number, and asked for something I never heard of EVER: the last 5 digits, not last 4! I got suspicious and asked more info from him. Mr Robertson blubbered a bit then said, "Well, this is not about Citicard, but about Sears." Then he got very threatening, when I asked him if he worked for Sear or Citicard. He finally said, "Sears". After all, he knew I was online with Citicard at the moment. Then I asked him about purchases I made and he started to say that was not my business, just pay up. I asked him his phone number and he refused t! o give it. I asked what city he worked in and he refused to give it. The more I asked him the more suspicious I got. Then I checked out xxx online. OH MY GOD! What garbage! I clicked on a link which led to a pop up labeled Your Security Is Our and said "Sears Security" at the top. At the bottom of that pop-up it stated, "How to Protect Yourself Online." I checked out the three links at the bottom of the page. AMAZING! Two of the three were fraudulent! The URLs listed do not call up any page at all!!!!!!!!!!!!!! Sears definitely is a fraud!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! NOTE: Our policy prohibits us from posting links to other websites.

	Flyover Sam Barrus Road Glenwood Iowa Complaint_against: Sears Complaint: Our family has been a reliable shopper at Sears. Credit score over 730, spend about $5K per year at Sears excluding special purchases (larger items like appliances, eyewear, tires, etc.) for a total of about $7K to $8K per year. Unlike some of the concerns posted here, we've been very happy with the merchandise (Lands End for us, good kids clothes, good tools, etc.) Having eliminated all of our credit card debt and paying off vehicles and the farm tractor this year, I contacted Sears regarding the absurd 24.5% rate. My other merchant cards are either under 15% or cut up. I did not bother until the account was brought to zero (actually a credit balance as it was overpaid by $35). I'm buying a large freezer this month for the wife to start storing veggies from the garden, and also need a new fridge for the addition. The representative I spoke with indicated Sears "will not lower any rates at this time." Quite a surprise for a customer who's never been late on a single payment and has an excellent credit score. As a business manager, I believe in letting bad vendors suffer the consequence of their actions. Vendors that are incapable of recognizing their best customers are destined to fail, and Sears most certainly appears to be on that path. 24.5% is a "pawn shop" rate and inappropriate for any mid-700 credit score (I handle the merchant processing account with First National Bank of Omaha for the company). So I'm looking for a new vendor for my family's merchandising needs. Looks like Nebraska Furniture Mart and another clothing company are on the shopping list. Any vendor that ignores their bread and butter is not long for the world in this competitive marketplace. Goodbye Sears!

	Ben Georgia Complaint_against: Sears Credit Card Complaint: I have had a sears credit card for several years. I used it only occasionally and never had too many problems with them. However this summer (05) I recieved their change of terms. Have you all read them? What is this now - indentured slavery if you can't pay? I have excellent credit and only had about $50 on the card. With the new bankruptcy law signed I personally feel the new terms remove all protection for the credit card user. I doubt I would ever be affected but I think of many others who inadvertantly suffer some medical or loss of job or other situation - they will be forever at Sears mercy. I figured I would be a good citizen and instead of just blindly agreeing, send in a letter questioning the new terms. I never got a response but did get my next statement as though everything was ok. (I figured that they wouldn't let me charge on the card so I didn't). When I got the statement I paid the remaining balance and went to claim my remaining rewards points (worth $50 sear card). They accepted my payment but then suddenly said the points I had accumalated over the past two years were no longer valid as my account was closed. This REALLY irritated me and was just plain wrong on their side. So I asked to talk to a manger - so forth and so forth etc... Got nowhere. Here is my complaint. In 2003, 2004, 2005 I paid $25 ANNUAL fee for their rewards program ($75). This payment entered me into a binding contract to provide me the service of redeeming my points. In summer of 2005 (within the year of subscription) Sears decided to change the terms of our contract without my consent. When I did not agree then I lost my rewards program points although this was never mentioned before. They in affect have breeched their contract to provide me with my due rights under the rewards program or even to offer me a refund on my subscription. I have filed a complaint with the FTC. I hope others seek to protect consumer rights!

	Albert M 23970 NC EmailAddress: alm@yahoo.com Complaint_against: Sears Master Card Complaint: 18 months ago,sears mastercard had the best program going.I consolidated all my credit cards to them.I received my bill today and they raised my interest rate to "listen to this" 30%.I called them and freaked out.Citi bank bought out sears credit card accounts.My account is riseing by 100's of dollars each month.Since it is riseing,It has past my credit limit.I am getting billed for being over the limit. I need help with this mess.

	Duane Wright EmailAddress: wright1@centurytel.net Complaint_against: Sears Complaint: I have been a sears customer for many years and I have always had a sears card with the name sears only on this card. We have been able to pay cash for all of our purchases over the past few years and really never needed the card. I have not charged anything to this card in many years. Why I kept the card I will never know but this year we receive new cards with the name mastercard in big letters with Sears name in a small corner of the card. The company said that this is the new type card that we will have to replace the normal Sears card. I didn't think nothing about it and we did the normal phone call to re-activate the card. A few weeks latter we received a statement from sears saying we owe for a life insurance fee and an account care fee. We told the company that we did not request this and we did not want this and just for trying to steal from us that we wanted the card canceled as soon as possible. They said they would do this and we took their word and cut ! the cards up and forgot about the issue. A few months later we received another statement with those charges back on the card plus a 15.00 late fee. I called back then and they tried to use the excuse that my wife added the charge. (funny they took would take a wife request but would not let my wife talk to them about this issue) Any way my wife did not authorize this nor did I . They then told me that I had to call another company that charge the insurance which was a sears company also and have them cancel the charge. I did this but they would only credit one month. Then they told me to call another sears owned company to cancel the account care charges. I did this and the number they gave me came right back to the credit card company and which I didn't know I was talking to until I spent 20 minutes explaining my problem. Then they gave me another number in which I made them give me twice and it was a bad number. I called them back and just tried to get them to just! stop these charges and let me stop having to chase down all these numbers. They again gave me a bad number to call and told me that a letter will be sent to me explaining what went wrong and when I get all these letters back I can call them back and see if they will drop the charges. I am really wondering how many people just give up and pay them. My credit is perfect and I do not have one mark on my credit card. I have finally giving up trying to stop these charges and if Sears puts one mark on my credit report I am going to go on a campaign to get a class action lawsuit that I am sure will get attention from others. Anyone out there that has experienced the same issue please email me a wright1@centurytel.net.

	Anonymous Complaint_against: Sears Complaint: Massachusetts: I was once a Sears customer and was oh so happy to be rid of them. Every month I would pay more than requested....$250.00 to the 10,000 that I owed. If I dare pay $300 or $400 in one month, the next billing statement would have a higher finance fee. The more I pay, the higher they raised the finance fees. I concluded that their actions would make it impossible for me to pay off my Sears card. I was fortunate to have received an increased credit limit on another card, and was able to pay off my Sears card. Now they have a credit for me because of overpayment, which I am yet to receive. I called them enquiring about the money they owed me and was told it went out the same day. Today is a week and I have not received my money. If I had owed them, I would have already received my statement. To date, I have not yet received my money from Sears. I also had a CitiCard account. Now having a Sears and CitiCard account would have been conflict of interest. Guess what? CitiCard sold my account to Sony who later sold it to another credit card company. All the while, I was receiving solicitations from CitiCard. I realize that they were using me. I was never late with either credit card company, yet Sears kept increasing my finance fees. I called to have it reduce and was told by customer service that their system was not set up to do that. When I asked for a later payment date, I was also told that their system is also not set up to do that at this time. My only response was that I would have to get rid of them. Of course, several years went by before I was able to get rid of them. Now, whenever I go to the mall, I pass through Sears to access the other stores. I would never shop in any of the stores even if it was the last store standing. I would rather go to China to shop. I warned my friend about them and asked that they share my story about Sears with their friends. We have to spread the word about Sears bad dealings with their customers. I am an advocate for putting Sears out of business. Every one must get the word out to their friends and families. Start a chain reaction against Sears. Let's put them out of business, or we may be forced us to file bankruptcy. Had I known I would have been treated in such ways, I would have never opened an account with them. Luckily for me, I got out just in time, or else they would have ruined my credit. I am no longer a customer of Sears and will never, ever, shop there again. There should be a class action lawsuit against Sears. That, hopefully, should put them out of business.I am sure they have affected al! most every American household. They are in business because of their bad practices. Our finance fees are keeping them afloat. Sincerely, Happy to be rid of Sears

	E M Seep Marshall, WI 53559 EmailAddress: swimming_ophelia@charter.ent Complaint_against: Sears/Citicard Complaint: First to anyone reading...if you have this problem or another one with Sears/Citicard the three best things you can do are contact 1) Your state's Attorney Generals office 2)Department of Financial Insitutions 3)Make a written compaint to the company and send it certified with a copy for yourself This way, you create a hard trail it will be difficult for Sears/Citicard to weasel out of. Also, those state agencies are responsible for consumer protection from the kind of crap Citicard/Sears is pulling and the Atty General is the one who files class action suits on behalf of consumers when there are large numbers of complaints. My story: My grandmother has had a Sears card for over ten years and had only had problems one time int he history of her account. She has trouble understanding most of these things and our family usually handles her account issues and other affairs. I currently hold power of attorney for her. Sometime this summer her payments mysteriously increased to almost double. She made the first few and then let the family know she was having problems. My uncle tried to help first. My grandma called Sears/Citicard and gave him aithorization to access her account info for the sole purpose of aiding in resolution. They then contact me and I called to straighten it all out as my uncle had been told my mother was listed as a "authorized user" and could be held financially liable should grandma default or pay late for any reason. Funny, since my mother never signed anything, never made a purchase, nor was she ever issued a card on my grandma's account! So I called Citicard/Sears. I was to! ld the same garbage, when I asked how this was legal I was informed that this was their "common practice" and that not only was my mother listed as an authorized user but so were my uncle and I! I told them under no circumstance was anyone affiliated with the bill except for my grandmother. We only were authorized to aid in bill resolution not buying appliances! For the third time we requested the account be closed as it had been requested before and never done. Also, I tried to negotiate about the interest rate and the increase of payment. I was told that the company had recieved several complaints from cutsomers who paid the monthly due and were never affecting the principle...so the company decided to billin a different manner. Now they are charging the finance plus 1% to 2% of the balance thus the increased payment. They claimed they sent a notice out in June but there was nothing to sign in order to accept the terms...silence was approval! The customers had unti! l July to contact Citicard and "opt out" of the new payment plan. My grandmother was in and out of the hospital at that time...I have all of her receipts going back ten or more years along with every statement and notice...I have not found any such notification. I was told the only way they would lower her payment was if she went to collections or went into a credit counseling service...then they might also lower her interest rate to as low as 9%!!! But otherwise they would not work with her on this. I called my family and informed them. Then I contacted Sears/Citicard again to see if the account had been closed (which, by the way will not stop them from compunding the interest at the same high rate I was told) it had not been. And now the rep was giving me attitude saying I was "not authorized to access the account" though I had been hours before. After lengthy debate the rep found my authorization. I again repeated that no one should be an authorized user but gran....he told me we had to be authorized users to access her account. I noted that the whole authorized user bit sounded like a scam and that no one but grams should be listed as the financially responsible party. I asked how this authorized user business was lega! l without our signatures...the rep told me gran could authorize anyone she chose without notification and the company did not have to notify them either! So I asked if that meant should gran authorize George Bush and then she defaulted on the account would Citicard be reporting the account as a negative on the president's credit report. The rep had no answer but this is the essential idea. Once we argued about it some more I was told that in order to access her account WITHOUT being an "authorized user" they had to have a copy of the power of attorney...geez! I could have done that months ago had they bothered to mention it! So I asked why in all of this no one had mentioned this to gran and it had taken me 3 days worth of calls and getting into an argument to be told this info? The rep had no answer. I have since talked to a member of the Attorney General's office in the state my gran resides. He was also non-plussed as how the "authorized user" thing was legal and w! e have filed a formal complaint. I am hoping all of my efforts end in a class action against Sears/Citicard...I suggest you also make a complaint and stop their scams!

	Anonymous Complaint_against: Sears Citicard Complaint: Problem w/ Sears/Citicard Mastercards... I moved in May, cancelled the card because of the interest rates increasing. Didn't know there was an outstanding balance, however I did change my address w/ the company the month before. They must have recorded my address wrong and sent my bill to a different city. They had my new street address but the city address was incorrect. (I had no phone at the time I changed the address, so no phone number with which to call me.) Then somehow they found me, I guess because of my social. I pay my bill IN FULL EVERY MONTH...this was 5 months that had gone by and they finally call me and tell me I had $24.10 in charges but that NOW the balance is $175.+ due to late fees and charges for not paying. WHAT????? Also when I called them the people were absolutely RUDE! I talked w/ one woman who was just billigerent! She puts me in touch w/ her supervisor who is just as rude as the first woman, if not more so. She tells me they will take off the service charges of $150+ and to just send in the $24.10 but when can I send that? When I ask for her name because she is so incredibly rude she refuses to give it to me. She says over and over "I already gave it to you when I first got on" and won't give it to me again. She then proceeds to hang up on me. I have to call back and get another woman, much nicer to find out what the address is where I am supposed to send my check. After all I have cancelled the account and I no longer have this information. She gives me that info and puts a note on my account. I think that all is solved. Then a couple of days later (not enough time for a check to have arrived yet) I get another phone call. The same thing all over again. I talk to someone and explain the entire thing again, AND I also call and talk to someone from customer service. They also both say that all charges other than the originally charged $24.10 will be dropped. Then today, at work & now 12 days later I get yet another call! I have to go thru the same thing all over again. This woman puts me in touch w/ customer service again and she tries to have the charges deleted, but then finds out that she can not. FINALLY THE PROBLEM, but now it's been 3 weeks since it was brought to my attention! She says that I have to write to the address below: Sears Master Card Billing Disputes I will have my letter in the mail tonight. But I thought that others might want this address to try to resolve their disputes. This has certainly put a bad taste in MY mouth for SEARS and for K-Mart since they are now owned by the same people. Perhaps if people take action and stop buying from them they will feel it where they really care...in the pocket! respectfully; irritated!

	Anoymous MI Complaint_against: Sears Complaint: Sear is the worst company to ever obtain a credit card. Well,here is where my nightmare begins. I was laid off for several months and got behind on payments. The collection department contacted me and stated they had a match program for customers that was in my situation. The lady in customer service indicated that if I paid "Sears" $600 the program would match my payment with $599 and my account would be brought up to date.I went to the local Mall and paid my $600 and that was 5 months ago and I still have not received the credit to my balance.Also they raised my APR. to 30% and refusing to lower the rate until after a 6 month review. I am so stress over this situation because I am back to work and able to pay however every month my Finance Charge is $75. I feel I will never get this debt taken care of.This credit card company is very unfair and does not live up to the slogan of Customer Satisfaction.I have been a card holder of Sears for over 20 years.

	arabella San Marcos, TX EmailAddress: elana_georgia@hotmail.cm Complaint_against: Sears &Citi Bank Complaint: I have a sears mastercard and have past due acount It is one of my first cards so my limit is only $600, I moved and started school and all my income was going to living exspenses. Sear it just overwhelmed me becuase they started charging late fees and overlimit fees that were $80 dollars a month so my payments they requested were over $300 I didn't have it so I have been waiting till tax returns to have money to pay it off. I started with only spending $600 on it due to fees its now up to 900, so they turned over to a credit recovery agency that tells me if its not paid in full Citi will take me to court and then i will have to pay court fees and their lawyer fees I told them I could pay in January but have no money as of right now. I'm just so irritated that a start of only $600 can turn into so much more.Sears which is affilliated with Citi card didn't have anything to say to me and only wanted to transfer me to pioneer recovery agency. So forget about them! waiting a couple of months so I can pay it off they just want to take me to court, which almost makes me have an attitude not to pay it! i know if I do pay it off iI will cut it up along with all the rest of my credit cards their evil! After it goes to court does anyone know how much it probably will add to my debt?

	Alice Beckem Complaint_against: Sears/Citibank Complaint: My mother Alice Beckum got a sear home improvement loan for the siding on her house. My my mother took sick the early part of the year, her knee got worst as time went by. the doctor put her on pain medicine, that mad her members foggy. My mother payments on the siding was only 288.00 dollars a month. I n feb. 2005 sears made some changes my mother didnot pay the letter attention the bill she recieved in June 2005, her payment is only 188.00 a month., for the last 2 months they are trying force her to change to this out rage amount of monthly payments, how can they these cutomers monthy payment any way they want too, this is not legal. Some one from customer service call my mother the week of the 10 of November, mother got sick and past out, she was taking to the hospital in the ambulance, her blood pressure went up and she past out. She was home alone, just image if this matter was worst. My mother pay sears 188.00 ever since she had the account open for the siding, I talk with the sale representative and Credit counselor before we authorize for the siding that this was going to be her monthly payment. After reading some of the cmplaints on sears/citibank, this is a serious concern for all citizens I hope something is going to be done about them. I am filing a copalint aganist sears, as I type this complaint, I will get a lawyer. One of the customer service manger told me that there were nothing wrong with my mother when she had the siding put on the house, told her that my my is very sick, I can not believe they have these type of people working for them, YOUR BUSINESSS IS GOING OUT OF BUSINESS

	Cheryl Murphy 105 Lafayette Rd, Pennsville NJ 08070 Phone: 8566789075 EmailAddress: mark.murphy@comcast.net Complaint_against: Sears/Citi Cards Complaint: I had made arrangements due to some financial difficulties to set up a payment arrangement on this car at a set monthly fee with agreement to reduce interest rates until I could get the account current. The first payment took place in November 2005 with no incident. On Dec 23 I contacted Sears to set up a payment arrangement to pay the account off as I was expecting some money to come through just after the Christmas holiday. They agreed to a match pay of $599 if I paid the agreed upon amount of $4354.22. I made that payment and they admit it posted to the account on December 30 when I spoke with then today Jan 14. I had called to follow up also on Jan 12 and was told that the payment had not been posted to the account. On Dec 27 I received a letter from my banking institution that the December pre authorized payment that had been scheduled prior to the payoff of the account had been attempted to be withdrawn against a "bad micro line" or incorrect account number. Sears claims is was an NSF and they resubmitted and took the payment on Jan 9 which by some miracle posted to the correct account. They are claiming that this was a resubmittal of the December payment and that I must have provided incorrect account information. This is the same information they had on the account since November...and I did not change any of my information or accounts. They are now saying that I did not follow the correct payoff process and are rescinding their match pay agreed to of $599. I asked to speak to a manager and was told I have to call back on Monday because the call volume was too high today (Jan 14 Saturday). I also received in the mail a new card, only to find after it had been activated that when I tried to log onto my on line access for it, that it had been cancelled...so why was I allowed to activate the card? When i called customer support about not being able to access the account on line I was transferred to customer service about the amount due of $599 and was told that the account was current but closed. Now that was a surprise! SEARS AND CITI CARD NEED TO GET THEIR ACT TOGETHER. EVERY TIME I TALK TO SOMEONE I GET A DIFFERENT STORY. I AM GOING TO PURSUE THE MATCH PAY AS PROMISED, OTHERWISE I WOULD NOT HAVE PAID THE ACCOUNT IN FULL BUT DRAGGED OUT THE PAYMENTS!

	David Rosenfield 425 Wexford Overlook Dr Roswell, GA 30075 Complaint_against: Sears Credit (Citigroup) Complaint: I have had my Sears account for 27 years (opened in 1977). I never had any issues with the account until Citigroup took over the accounts of Sears. Since Citigroup took control there were numerous changes in terms that raised nominal purchase interest rates on the card from 11% to almost 18%. At the point that the interest rates went to 17% I opted to close my account. This past August, I had failed to "click through" to the final screen and as a result was assessed a late fee of $35.00. Upon appeal, Sears credit waived the fee. Most recently my statement was not misdelivered to my neighbor who failed to bring it to me, as a result, I did not receive the statement and paid my bill 4 days late. Now Sears has raised my rate to over 30% and this will cost me over $400.00

	dave 206 935 3729 EmailAddress: bdave@comcast.net Complaint_against: sears mastercard Complaint: 5.5 apr turned to 31.25 after ck was 1 day late,yet post marked the day before it was due. Never again with Sears

	Anonymous Complaint_against: Sears Mastercharge from Citi Bank Complaint: Never sends bill to correct address or on correct date. Their website does not work anywhere/anytime. So you cannot access account online. If you call the phone number - they wait until like 3 days before the bill is due to have the info online - which is too late to mail a payment and since you can't access it online you can't pay it online. If you want to pay by phone they charge 14.95 ( I don't know if they charge a fee online since no one can access their online system). If you go to a Sears store there is no guarantee it will be put into the system in time - even if they tell you it will be on time. They are doing this to make money off of late payment fees. This is all because Sears is going broke and this is how they make money to keep in business.

	Anonymous Complaint_against: Sears Complaint: Sears is rediculous with late fee charges. My suffestion: cut the card in half and never ever use it again. Spend 3 hours on the phone with "customer service" without resolving any issue. Poorest service ever!

	Jim Atlanta Complaint_against: Sears/CitiCard Complaint: Unknown to me my Sears store card was turned into a CitiCard MasterCard in 1993. I never used this card. My ex-wife, an authorized user, did and of course the account is maxed out and now CitiCard is claiming I'm responsible for this. I never authorized this charge to MasterCard, I thought I had a Sears store card (which I'd lost). I've complained in writing to CitiCard, we'll see what happens.

	Namgyal WA EmailAddress: dolker@gmail.com Complaint_against: Sears Credit Card Complaint: I was searching to vent out my anger and I finally found this site. I was stupid enough to be bought by the 10% discount and applied for the Sears card. The bill didn't arrive and I was charged late fee. I called to waive that but customer service of sears are really trained to be RUDE and it wasn't waived. She told me that this is the final amount that I should pay and that they won't be any late payment. I closed the account but was charge another late payment. I called again to get the same rude responses and after getting so tired dealing with sears, I made all the amount in full, which was 3 times the original purchase price of the T-Fal set that I bought!!! What is more, my credit report was hurt really badly that I have difficulty getting a loan approved. To think that Sears disrupted my entire credit where I had excellent credit score before!!! I can't regret enough about opening an account with them. I vow I will never ever give any business to Sears in this lifetime. I warn you to be very very wary of Sears credit line.

	glen simianer 806 west morrison santa maria california 93458 Phone: (805) 922-4175 EmailAddress: frazzeldazzel1@verizon.net Complaint_against: sears Complaint: (sweet and short) SEARS CARD USED TO PAY (A0L) MONTHLY PAYMENTS AND BILLING FOR (AOL) DOUBLE BILLING,ORDERS NEVER ORDERED, WITHOUT ANY AUTHORIZATION AT ALL, RESULTS= $2.000 BILL= DEVASTATION, FILED FRAUD WITH AOL AND SEARS BUT NEVER GOT RESPONSE OVER 1 YEAR NOW HOW CAN THEY JUST GET AWAY WITH IT,AMAZING THAT THEY CAN JUST RIP YOU OFF AND GET AWAY WITH IT, DOES ANY ONE CARE, IF I COULD I WOULD TAKE THEM DOWN, IF ANY ONE HAS ANY SUGGESTIONS PLEASE LET ME KNOW, THEY SHOULD NOT GET AWAY WITH RIPPING OFF HARD WORKING PEOPLE, I WILL GO UP AGAINST THEM JUST NEED SOME ADVISE TO GO ABOUT IT, I'M A SON WRITTING THIS FOR MY PARENTS THAT ARE HAVING A HARD TIME WITH FATHERS RECENT STROKE AND OLD AGE, THIS $2.000 BILL WAS DEVASTATING TO THEM. (HELP)

	C.G. Complaint_against: Sears Mastercard/Citibank Complaint: I obtained my Sears Mastercard (now owned by Citibank) in 2000. In 2002 I took out a credit protection policy with Mastercard. In 2003 I was diagnosed with lung cancer and filed for debt cancellation with Mastercard at the end of 2003. Citibank has refused to honor the policy. They say my situation is "unfortunate" but they are within their rights to refuse because I've never had an overnight hospital stay. I am on permanent disability. I am 60 years old. I have filed complaints with the State Attorney General's Office (the one in my state and also in the state headquarters of Citibank) and filed complaints with the Comptroller of the Currency. It is now 2006 and none of the agencies can or will help. No one can control this Citibank. They have put a "charge off" on my credit reports and have now sold my account to a collection agency. Credit card holders Beware!!

	Connie Complaint_against: Sears Mastercard/Citibank Complaint: Someone should start a class action suit against Sears Mastercard and/or Citibank. They really are thieves and take sickening advantage of consumers.

	Debbie Carmichael, CA EmailAddress: Brooks4yu@comcast.net Complaint_against: Sears Gold Mastercard/NBNA Complaint: I had a regular Sear Credit Card for years. Paid it on time, no problems. Then one day I received a Sear GoldCard Mastercard in the mail, and stating my other Sears card wasn't any good anymore. Well for years I used it and paid it off. Being a good customer, they increased my credit limit. I due to circumstance I went above my credit limit but made payments. I deceided to contact them and as if they would reduce the interest rate, and they flatly said no. I transfered a little bit to another credit credit card but still had to deal with now large minumin payments. Again I called and the customer service person told me if I paid down the balance they could match up to $1000.00 a year and take that off the bill. Actually $500.00 twice a year. So I took out a loan and paid everything off except for $500.00. After a month I called back and asked how and when they'd remove the remainding monies. The customer service person said "Oh we can't, your current". I asked to talk to a superviser who told me pretty much the same thing but in a ruder tone. I was told to write an appeal, which I did. Never to hear back from them. So I called and was told "no we're not removing the monies". I never received anything in writing and just floored that they made up the rules as they go. When I took out a loan to pay off this account, I called Customer Service again and asked for something in writing pertaining to this agreement of removing the $500.00. Justin said No he wouldn't...and I hung up. So now what... NEVER DEAL with THIS BANK!!!

	Rebecca Sellers EmailAddress: plumariaq@aol.com Complaint_against: Sears Complaint: I have been a Sears Card holder for nearly 10 years in good standing. In April I paid my bill as usual on the due date, and as I was preparing my bills on my banks online bill pay service for the month of May, I made another payment to sears. My payment was due may 6th, and the payment posted on April 25th, 11 days Early as I had made my April payment on April 5th. I had meant to set May 5th as the pay date but must have accidentally used the default date that billpay poped up instead. No big deal right? It should have posted on time, but no, they Charged me a 35$ late fee. SO, Being reasonable, I figured that it was just a computer or clerical error on their part and called customer service for the sears card, which is now being handeled by Citigroup. There they basically accused me of bieng delinquent and demanded immidate payment, threatened my credit rating and made me feel like a lowlife instead of a long term customer who deserves to be treated with a little respect. They would not give us a dispute claim number even though the online form said that a number must be recieved from customer service. And we were told that disputing would do no good that we should just pay it. This is like punishment for paying early, how rediculous. They treated me like I was nuts for even suggesting that the second payment at the end of the month was for the next month, and that I was somehow trying to get away with something. Until Sears cuts its ties to Citigroup, I will no longer be doing any business with them. Ty Pennington, please give these crooks a makeover, I suggest complete demolition.

	Anonymous Complaint_against: Sears Complaint: Sears has the worst technical services EVER!!!. To make the long story short. Their services are wasting a lot of people valueable time. It takes them three visits to change a part to a range. They don't seem to realize that people need to take time off from work in order to wait for them to come to the home to fix the problem. They are not knowledgable and not prepared or able to pre-diagnosis the problem (even though the problem was described to them). If they were able to pre-diagnosis, the technicans should be able to bring the part with them at that time and make one visit rather than multiple visits. If that is incorrect, then they can order the correct part at their first visits, which is more understandable. In addition, it took them over 1 hr to schedule a first visit appointment due to the fact they did not record an extended protection agreement purchased in 2005, thus they put me on hold to locate and enter the information. Thank goodness I kept all my receipts from Sears!!! I don't trust them and I would not recommend anyone to hire Sears for any technical or electrical services. I heard many bad things about them and now I am experiencing them today. For my future appliances, it will not be from SEARS!!! I don't want to deal with the hassle again!!! PS: I think I had a defected range since the day it was delivered!!!!

	Long Time Sears Customer Complaint_against: Sears Credit Cards Complaint: I have had Sears Credit for over 20 Years. When I was young, my Dad always told me to have good Sears credit because it was a must have family account. Well, many of us have experienced bad credit practices from Sears in recent years. They have changed the terms of their credit and harshly raised interest and penalties. The truth of the matter is that virtually ALL credit card companies have unfairly boosted their profits by scamming the American public by new legislation in the past 10 to 15 years. The solution is to pay off all of your credit cards and not use them. I am going to a debit credit card system after I pay off my 2 Sears and 3 other MC/VISA cards.

	Anonymous New Jersey Complaint_against: Sears Credit Card - Customer Service Complaint: I am a Sears card holder in good standing. I have always had a $0 minimum payment every month as my payments were quite substantial and always early. A few months ago, I used the sears card in an ATM is error (same color as my debit card). When I realizes what had happened, I called to see what I could do (I have never used the card for cash in all the years I've had it). Basically, they told me "tough luck". I paid the bill. Now, it seems since I made a complaint about their poor attitude, my $0 payment status has disappeared. How? They don't know, don't know who does, don't know how to find out and don't care to help you. The manager wnet as far to say (when I said "hello" again because the line sounded dead) that she wasn't talking, she'd let me do it. I have only used on credit card at a time, but I am determined to let everyone know how they treat their customers. They do not chase after me for payments and they STILL treat you miserably. I let the manager know this evening that I will make it a point to post this information anywhere I can. I know that losing me as a customer will have absolutely no affect on this corporation. BUT, if people keep swithing - one at a time - it will eventually have an impact. Dear Sears, In the not to distant future I will be able to say to you, "just keep on talking....."

	Anonymous Complaint_against: SEARS Complaint: YES WE FILED BANKRUPCY ON SEARS AND OTHERS ONLY BECAUSE MY HUSBAND WAS TOLD HE ONLY HAS 3 MONTHS TO LIVE AND HE DID NOT WANT ME LEFT WITH ALL MEDICAL AND OTHER BILLS WE MADE AN AGREEMENT WITH SEARS TO PAY SO MUCH ON THE ACCOUNT AND EVERYTHING WOULD BE ALRIGHT THEY LIED THEY WILL NOT GIVE ME CREDIT NOWAY NO HOW WE FOLLOWED THRU WITH THE DEAL THEY DID NOT

	John Complaint_against: Sears Card Complaint: I closed my Sears Credit Card Account with a $900 credit balance. The customer service rep said that they would send me a check for the credit. I never got the check. However marketing material from Sears continues to come to my address. I called customer service five times and was been told that the check was sent a month ago. They said they would cancel and send another one. It has been over two months and still no check. Terrible customer service! High interest! Beware!

	mama Complaint_against: SEARS Complaint: You are right- I think they actually prey on people -I am glad to find out that their one year zero financing is a rip so I have a year to get out-DO NOT buy a sears air conditioner. Theyve wrecked my house.They sold me on a higher end unit and because of my small kids and illness - I said I would pay for excellent customer service because I needed it. The salesman said thts what the sears name would get me. First, it took all day - not two hours. the installers assistant left alone on the job said hed try and make the electrical "work"...and crawls around in the crawlspace trying his heart out. After a weekend and a couple days with no AC the assistant shows up to fix it., and cant. The next day the bossman shows up and says that the ac was fine my ducts were collapsed. He pulls them out fiberglass/aka "cotton candy-mom!" was everywhere. He does me a special favor of putting something else in. Meanwhile I notice the elbow on the roof attaching the unit looks li! ke heck. It was on our contract to replace with a new elbow. Also, the lights dim when the unit cycles on - and still do. The bossman said rats or something collapsed my old ducts (which worked fine b4 all this) Then I take it up with the "project manager"that his contracter seemed reaLLY INCOMPETENT AND THAT THE ELBOW WAS PART OF THE CONTRACT AND HE NEEDED TO REPLACE IT. hE SAID THAT HED ALREADY PAID THIS SUB AND THE ONLY WAY WAS TO HAVE THE SAME GUYS OUT THERE. i TOLD HIM THAT MR PROJECT MANAGER OF SEARS HAD TO PERSONALLY BE THERE TO SUPERVISE IF THE SAME GUYS CAME OUT. sure enough assistant came back alone WEEKS later to move the whole unit, remove their patch job elbow - which had popped open by then exposed to rain etc. Project manager stayed a while came inside and saif assistant was a bout through, and asked if he could go check something and be back. I said ok. A bit later, with loud bangs, I see assistant on the roof with the whole unit off to the side, banging some! thing into place. It was put back somehow with a huge dent in the side of the elbow. I called mr Manager. He said "I didnt think there was anything left for him to screw up" And offered to have assistant come back open it all up again and just pound it back into shape. Now based on this, and also back to the collapsed duct and ill make it work comment - I am sure tha that long checklist of how the sears installer checked about 8 aspects of the existing to insure proper installation of this superioir unit - werent attended at all. So I have plenty of doubts about the projected efficiency - SAFETY of this dandy unit (what with our continued dimming lights - continuing fiberglass coming out the vents onto my kids heads, and a crinkly sound in the ducts as it shuts on)I have dread of the idea of having an ongoing SERVICE contract with this new unit - getting a good service contract on a new unit instead of some home warranty coverage for the old one was another big reason for ge! tting a new unit at all - because in my situation, as I told the salesman I didnt want service - I NEED it.Now thanks to this site - I have been warned of another thing to worry about thanks to SEARs: this dandy 1 year financing. Tehy use their sears name to pawn off bottom rung installers to people in particular need for good reputation and service.

	Anonymous Missouri Complaint_against: sears Complaint: Yeah, not really a complaint but more like what are you going to do, really, in 1992 i got a sears card and it did not take very long to put about 5000.00 on it after a few layoffs and some other late fees my credit shot and all of that noise and paying the monthly payment i calculated that today i have paid them over 30,000 and i owe them over 4100.00 so the other day i sent them a money order for 2500.oo this bought my balance down to over 1700.00 i will be so glad when i pay these people what i owe them (and so so much more) off i was led to believe that ther was no more mafia, or that there was still ethical biz practices out there, but you know what, I was the one who singed my okie doke to,that contract with the dark side, and I am resposible for how it is that i pay whatever burden that they put on me, i can sometimes sleep with that, but i wonder how they do, once i was watching tv and they had this little guy running around building these new houses for s! ears for just anybody and just giving them away with sears getting most the credit for it i guess, but i saw these poor under privledged people that live in filthy conditions, reasons vary why, with a brand new home to at least meet their basic human needs with at least a 30,000 stamped concrete job going to a 4000.00 front entryway themed rooms and such, so to ease their souls and mine a little i guess, some of that outragous interest that they collect from not just myself but from thousands just like me might extravagant as it may seem stupid be used to make them look like a concerned biz with a heart and jerk a few tears so that we will say oh what a nice place that sears is

	Joe Phil Tuscany Hills, CA 92532 Complaint_against: Sears/Citibank; Bank of America, Juniper Bank Complaint: All three of these banks have applied penalty rates to my balances either because of one or two late payments one day late, or because the finance charges caused my balance to exceed the limit. I am being charged 30-30% interest on each account. I have made my payments on time and have remained below my credit limit, but none of these lenders have offered to lower my rate. When I requested a lower rate, they said no. When I requested a temporary payment plan from Bank of America, they closed my Platinum account (previously a $12,000 credit limit). Please e-mail Senators Chris Dodd and Carl Levin. They are conducting credit card reform hearings to establish precedent for legislation prohibiting abuse of credit card holders. I would join any class action lawsuit against these predators.
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	Kym California, Ventura EmailAddress: ElleFunk8379@aol.com Complaint_against: Sears Credit Complaint: I don't know who's worse with their customer service Sears or Citi Bank... Personaly I think they both stink. I've always paid my bills on time or sooner every month, and always paid the min due or $10-$20 MORE then requested. Whats more amazing about these idiots is that I go INTO THE STORE AND PAY CASH, AND GET A SLIP SAYING HOW MUCH I'VE PAID, THE DATE TIME EVERYTHING, even the sale assiciate name!!! So I made a payment in March 2007 of $50 to a HUMAN IN THE STORE. I get my next statement for April, and suprise I've got a late fee.. I'm thinking "what the heck was I off a day?"... so I look at my receipt.. nope, I paid ON TIME. So, I called Sears asked them what was wrong, and oh look another suprise, apparently because I'm in California, and their bank is in NORTH DAKOTA, I have to make my payments BEFORE 3PM on the due date of it to not be considered late!!! And on top of that they raised me intrest rate from 19% to a whopping 34.5% THATS 15.5% INCREASE!!! I argued with them about it saying that it doesn't state anywhere that California residents have to pay before a certin time. And that becasue of their error, I shouldn't have my intrest rate go up. They said Sorry, I have to deal with it for the next 6 months, and then they'll evalluate me again then. They have to be some of the biggest CROOKS!!! They need a class action lawsuite aginst them... THEIVES!!!!
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	Eliz Mssouri Complaint_against: Sears Account Care Complaint: Sears sold me account care insurance and charged me $70 per month . I was told if I ever became disabled the insurance would pay off the account. I was disabled from a car crash a I called then to file a claim . They refused to send me information and told me since I was self employed that I could not file a claim. When I opened the account they knew I had been self employed for 30 years. Sears and Citibank are crooks big time and this county is failing because of the Greedy Banks and Insurance Companies
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	Kathy-upset customer Complaint_against: Sears Card Complaint: The card had not been used in a very long time but I was paying on it. In a very short time I was over the limit. There were other circumstances that prevented me from getting the payment to Sears ON TIME. The calls started and then was told on the phone if I could pay the payments three months in a row without being late, it would bring the account current and I would not be behind. I did make these payments and then calls started again. I told the rep about the 3 month agreement and she said it did not hold up as I was not the authorized person on the account and my husband would have to call and get me authorized. He was so mad at the time and I told her she did not want him to speak to anyone due to this fact. She was rude and telling me what I should have done to avoid this in the first place. I told her first of all, do not tell me what I should have done, I will hang up right now. I had to tell her this several times before she started to work with me on trying to ma! ke payment arrangements. I made another payment which did not cost me additional fees due to being LATE and in collections at the time. They would not take any additional money off or late fees, over the limit fees or anything else. They did not work with CCC at the time but have been told they do now! It is too late for that as I was forced earlier to go to CCC which is almost paid off now and not about to add another 4 yrs to this payment. When my email address changed, they stopped me from using their website which also caused payments to be late. Now I was told I could not use the site because this account was in collections. That is crap! I was paying them before when it was in collections. Nothing could be done to get me back to pay on their site for payments. Calls started again recently and when I asked why they were calling again, I was told they did not get the last month's payment. I checked my bank website where I now have to pay them and the time for the paymens to come out had expired. The rep told me I was approved for match pay. The first I heard of this so she explained if I paid $599 they would match that amount and take it off of the card. She said I would save up that money if I were you and get it to us and then your balance would be $300. The next day or two I had another call and told him I had resolved this the day before and was paying through my bank website since they STOPPED me from paying on their site. He was sorry to hear that and could not give me anything I had not heard before. When I asked about the match pay, he said that only goes for delinquent accounts, if you are current, they do not offer this. We are real upset with Sears Card and will never have another one. Our family members have also had bad dealings with them as well and we have all decided NO MORE SEARS CARDS!! EVER!!!!
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	Steve Complaint_against: SEARS Complaint: First off, Im P.O.d so forgive me if I sound angry. I get my credit report this Quarter. Its dropped over 90 points. There is a new "account". Its Sears. Stating that I owe $223 and that Im $169 overdue. Worse yet its showing over 120 days late on my report. My Sears card expired 08/06. With no purchases on it probably within that last two years, so my balance would have been $0. I called Customer Service. They said they couldnt help me,that they had sold my account. They give me a 1800 to call. I called them, they said my account had just been sold today, Aug 16, to another company,and to call them in two weeks. Pissed off by this point,I hug up. Called Sears back. This lady tells me this charge is for insurance.??????????? Insurance for what????? She says Credit Protection. That I became a member in 2003,which for the record and with all honesty I DONT recall ever doing. She said they automatically charged my account again DECEMBER 06. Okay,ONE, there was NO balance. So how could they charge based on a balance? TWO. They NEVER sent me a statement of any kind. Would Sears not question the fact that if I HAD NOT renewed my card,THAT THERE IS A GOOD CHANCE I WOULDNT BE LOOKING TO PAY OFF A BALANCE 3 YEARS LATER AFTER THE "ORIGINAL" CHARGE. I was sent to many many 1800 numbers. Of course, the last one, after hours of hassle was closed for the night. Im going to be honest here. I dont remember signing a damn thing. NOTHING. Nor authorizing any such charge. That being said. 3 YEARS LATER, almost 4, Sears charges me $45 and out of the Blue in 2007 Im getting finacially SCREWED because of it. As Im writing this I swear a heart attack isnt far away. There something very wrong here.VERY WRONG.
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	G wisconsin, usa Complaint_against: Sears gold mastercard the lakes nevada Complaint: Recieved a bill from sears, an order from serengheti. I have no sears credit card, didnt order anything. Called and they wanted ss number and phone number. I told them they had my address and their account number for me, that was enough verifacation. I called serengheti, they said I have no account with them. another month, late fees added to credit card, called again, told them it was a scam , a fraud, he said e didnt know this, when I told him I would report them to better business bureau, then he said he could take off late fee charges, I said you better take off all carges, because I have no credit card with sears and recieved no item from serengetti. h e then said he would put me in touch with the fraud department, which she couldnt talk to me, because I refused to give her my phone and ss number.. What can be done about this damn fraud..Kmart has lost my business now, because they belong to sears !
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	Shalonda Randolph Clinton, MD 20735 EmailAddress: shalonda13@verizon.com Complaint_against: Sears Premier Gold Mastercard Complaint: I actually work for sears and I will tell any consumer never open up a sears card unless you are going to pay it off the same day you use it. I thought I was paying sears off due to the fact my last statement told me my balance was $2,062.15. I paid sears $2,000 and they owe me over $100 dollars due to a account care issue, well when I paid the $2,000 I naturally assumed (don't assume you know what they say you make of yourself) that my next statement would show a credit to me of some sort once they factored in the money they owed me, but as soon as I got the bill I notice that I owe them $34.16 because Sears has charged me a finance charge that they say is billed a month in advance.Now maybe I am confused but if my account balance shows $2,062.15 and then shows a payment and credit of $2,070.09 I should show a credit, no they charged me $42.10 in finance charges, and they still owe me over $30 in credits. I can not believe this is legal if they are going to charg! e you finance charges daily or a month in advance then I fill this should reflect on the bill with the pay off balance. I am going to pay sears there funky little $34.16 in hopes my next month bill does not show another ridiculous finance charge that I can not see and that sears tells me is calculated after they receive your payment, what bull shit and yes I did get frustrated and cus on the phone and I got hung up on. I would love for the people who work for Sears credit to have to deal with there theiving ways and see how they like.Best believe I will never use my Sears card ever again.