Sears Credit Card Account
Posted: April 24, 2009
I had a negative experience with my Sears credit card account about six years ago. Just about the time that I started to begin trusting credit card companies, I received my April account statement - from Sears. Here is my story in letter form, since that is what I was advised to do from the polite gentleman who seemed to feel my pain when I called to inquire about an apparent billing error:
To whom it may concern: Tues., April 21, 2009
SEARS ACCOUNT #: XXXXX
I purchased nearly 6,000 worth of new appliances for my newly-constructed home last fall. I subscribed to the promotion that allowed for 24 months of no payments and no interest. Unfortunately, my recent account statement indicates that I owe for finance charges because somehow I became part of a program that only allowed for six months of interest-free, no payment financing. Consequently, according to your records, I now owe $6,800, including finance charges. I am confident that there has been a mistake with your paperwork.
I have the documents that confirm that I do not have to make any payments for 24 months from the time of purchase. I am willing to begin making monthly payments within the next six months, as I had planned. However, I do not intend to forward any money for finance charges. Nor should I be required to submit payment prior to the 24-month period I was promised when I made the multiple appliance purchase.
I have enclosed a copy of my most recent statement and I look forward to your response to this frustrating experience as I begin to relay this story to the 15,000 readers of my weekly business publication in West Central Wisconsin. Just a note: I also purchased five high-definition Vizio televisions for the new home and paid off my other Sears credit card (in full) six weeks after the transaction occurred. I would like to continue using that particular credit card as I begin to furnish the outdoors of my new home - if I still qualify.
I appreciate your consideration and communication at your earliest possible convenience. Feel free to call me at: 1-715-379-4925.
Daniel J. Ropa-Editor/Publisher of The Bottom Line Business Letter
cc: Wisconsin Department of Agriculture, Trade & Consumer Protection.
I hope to hear back from the company that administers the Sears credit card business. The last time I had a problem with Sears, I believe it became part of the basis for a class-action lawsuit that eventually forced Sears to sell its credit card division. I am confident officials with the Wisconsin Departmenjt of Agriculture, Trade & Consumer Protection will verfiy the story.