Report: #212327

Complaint Review: Sears Gold MasterCard

  • Submitted: Fri, September 22, 2006
  • Updated: Fri, September 22, 2006
  • Reported By: Loganville Georgia
  • Sears Gold MasterCard
    P.O. Box 6922
    The Lakes, Nevada
    U.S.A.

Sears Gold MasterCard - Citibank USA Ripoff Bogus finance charges and late charges The Lakes Nevada

Show customers why they should trust your business over your competitors...

I always paid the balance of my account in full. (They obvisiouly do not like this.) Oct 2, 2005 was the due date for 103.30 I paid this via net 9/22/05, leaving a balance of 0.00, for the month of November. It wasnt untill Dec I relized they charged me a finance charge of 1.31 for Nov. and Charged a late fee of 39.00 against the 1.31 added 4.00 for something. I was never able to get an answer for that.

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.

Rebecca
Loganville, Georgia
U.S.A.
Is this Ripoff Report About you?
Ripoff Report A business' first line of defense on the Internet.
If your business is willing to make a commitment to customer satisfaction Click here now..

Does your business have a bad reputation? Fix it the right way. Corporate Advocacy Program™

Set the record straight: Arbitration Program

SEO Reputation Management at its best!

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/reports/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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!
Ripoff Report Recommends
ZipBooks Accounting Software

Advertisers above have met our
strict standards for business conduct.