- Report: #212327
Report - Rebuttal - Arbitrate
Complaint Review: Sears Gold MasterCard
Sears Gold MasterCardP.O. Box 6922 The Lakes, Nevada U.S.A.
Sears Gold MasterCard - Citibank USA Ripoff Bogus finance charges and late charges The Lakes Nevada
I called and spoke with Melxxx but she refused to drop any of the charges but could not tell me how the charges was calculated or why I was charged anything on a 0.00 balance. I called back and spoke with Crixxx but I got the same thing, So I told her to cancel my card and I would be disputing the charges.
During the course of 3 to 4 certified letters asking for verification of the charges and cease and desist letters I got countless phone calls. They were rude and down right hateful. They continued to add late fees and bogus charges amounting to 219.21, during the dispute.
The last certified dispute letter I wrote, again asked for written verification of the debt and what they say the money I owe is for and how they calculated etc. They responded with a letter stating they reviewed my account and found nothing to support a dispute of the balance. They advised me the matter is considered closed and they will not be corresoonding further, and would be turning me over to a collection agency.
I am thinking that maybe they cant find a way to multiply any number by 0 and get anything but 0 either.(couldnt they have just as easily sent the written verifaction of their findings and calculations?)
They have refused to comply with the Fair Debt Collection Practice (809) and send validation of the debt after repeated request. They have placed this account with National Finance Systems, Inc. for collection.
This report was posted on Ripoff Report on 09/22/2006 06:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/Sears-Gold-MasterCard/The-Lakes-Nevada-88901/Sears-Gold-MasterCard-Citibank-USA-Ripoff-Bogus-finance-charges-and-late-charges-The-Lak-212327. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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