Sears uses deceptive, fraudulent credit practices.
They billed me a "non-usage" fee on my card and never sent me a bill. The non-usage fees accumulated and were sent to a collection agency, which is the first I ever heard of the charges.
The only way I could find out what the charges were was from the new "owner" of the "debt." Every attempt to contact Sears was met with rude, nasty people who absolutely refused to identify the charges.
Sears has violated my billing rights, which include the right to know what I am being billed for. They are also obligated to send a bill each billing period for any amount owed that exceeds $1.00.
I have filed a complaint with the Federal Trade Commission and with Equifax. My credit rating is now "poor." Sears will rue the day it decided to use these deceptive, illegal practices on me.
The collection agency is now looking for $400.00 for a card I never charged on!
See you in court, my friends.
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