Sears Premium Health Plus
I never spoke to, bought, cashed, or signed up for anything! I just received a $119.95 charge on my Sears card, plus some other "Credit Insurance" charges and then some late fees!
When I called the Sears Card customer number, I told them very clearly that it was fraud. I wanted the charge removed and the card canceled. They said okay and told me to expect confirmation in the mail.
After a month there was no confirmation, and I received another bill, plus late fees!
When I called the Sears card people back (7/10/06), they said they were actually Citibank, not Sears. They told me I had to dispute the charge with the vendor (i.e., Premium Health Plus) and refused to let me file a fraud claim or refund the charge. I spoke to "Leal" in the collections department, who refused to give me a last name, an employee ID, or any other identifying information.
So I called Health Plus and gave them my name and telephone number. They asked if I was still at an address I hadn't been at in 5 years, probably the one I had when I initially activated the Sears card. I said no, and he looked me up again. He asked me for the date of the transaction I had a question about, found it, and asked what he could help me with. All I said was "Transfer me to a manager," and he did. I told the manager (Patrick, ID# 4822) what had gone on, and he said the previous man had already refunded the transaction. When I pointed out that this was very, very odd because I never told him why I was even calling, he just got mad at me and asked what else I wanted.
I don't know who "Premium Health Plus" is, but given the information, it appears to be a gigantic scam of biblical proportions. I would even say that Sears and Citibank are involved in it or complacent in it.
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