I too have been ripped off by Sears/Citicard. I paid the $28 balance owing on my card by check. Stupid me, the balance owing was $28.03, and for some reason I missed the 3 cents. The costs on the 3 cents owing escalated to $189 over 1 year and were sent to collections, without further billing or notification of intent.
Sears had my proper address because they forwarded it to the collection agency. I also had a second Sears card at that time, and my address was correct on that card. So they cannot use an incorrect address as an excuse for not billing me for 3 cents. No, they let it slide and then slammed me for late payment, and from there on it escalated. The balance on the second Sears card was $0.00 after spending nearly $2000 on it.
So I was a good customer. Never again will I shop there.
I paid the $189 to Sears and not the collection agency just to get Sears to shut up. When I checked my credit rating on Equifax 3 months ago, it was perfect. I am scared to check it now.
I will not bore you with the frustration of dealing with this and the terrible customer service.
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