SEARS CARDMEMBER SERVICES LATE FEE AND INTEREST RIP OFF NOT JUSTIFIED COLUMBUS Ohio

  MY FIRST CREDIT CARD CHARGE WAS FOR 39.20  I SENT IN A CHECK FOR THAT AMOUNT, HOWEVER WHEN WRITTING OUT THE CHECK I PUT DOWN 39.20 AND WROTE IN 13.20

THE NEXT STATEMENT CAME IN WITH A 27.00 DOLLAR LATE FEE  WHICH I IMMEDIATLY CALLED AND FOUND OUT ABOUT THE ERROR. THE PERSON TOLD ME TO SEND IN THE BALANCE OF 26.00 DOLLARS AND ALL LATE FEES AND INTEREST CHARGES WILL BE REMOVED ON THE NEXT BILLING. I SENT IT THAT DAY. A LETTER CAME FROM SEARS SAYING THEY WOULD REMOVE ALL LATE FEES.

NOW I RECEIVED A NEW STATEMENT WITH ANOTHER LATE FEE OF 37.00 DOLLARS I PAID MY CHARGE AND NOW OWE 64.00 IN LATE FEES

AFTER CALLING SEARS I WAS INFORMED THAT IF I DO NOT PAY THESE FEES EACH MONTH THEY WILL ADD ANOTHER 37.00 DOLLARS EACH MONTH  THEY WERE   UN COOPERATIVE T  ON THE PHONE AND TOLD ME I HAD NO CHOICE BUT TO PAY NOW OR PAY A BIGGER BILL LATER.

THIS SEEMS LIKE A SCAM THAT THE CONSUMER HAS NO RIGHTS I CALLED BBB , CONSUMER FRAUD, ETC AND ALL I RECEIVED WAS A LEAVE A MESSAGE RECORDING. I AM A SENIOR ON A FIXED INCOME WHAT DO WE DO GIVE INTO ANYONE WHO CAN CATCH US IN THEIR SCAM NET?