Sears - Citibank - CBUSA SEARS
Credit Insurance Claim Refused and Payment Arrangement Denied

The company sold me credit insurance on my cards, then declined to pay out when I filed a claim. Two years of complaints produced no action. Out of frustration I quit making payments, and in time a settlement was offered on both cards. I paid off one of them.

For my first payment on the other card, I went to the store, but Sears would not take my debit card. No other large American retailer lacks the ability to accept one. I phoned collections and asked whether I could pay the following day, because I was pressed for time, and they said yes. On that next day, they took my payment covering 2 months, and a representative again told me by phone that the arrangement was in place. I asked for it in writing and was promised it would be mailed.

Several calls later I was still asking why no letter had come. Each time the answer was that it was taking somewhat longer than expected. When the following payment came due, I phoned again about the letter, got the same reply, and was also warned that I MUST make my next payment or risk voiding our agreement.

Calling from the store, I pressed for something better than the line "any day now." The representative I reached said there WAS no arrangement at all. Because I paid 1 day late, it was void, even though I had acted in good faith. Everything several reps had told me across a month was a lie meant to extract money from me by any means. Once again I spent hours on the phone each week, and again I got nowhere.

I do not know what to do now. I was billed for a service that was of no use to me at the moment I required it. THEY will not address this, and they broke their agreements, yet I am the one penalized? The account is up to date at present. From what I have read, though, the collections department behaved improperly, the creditor broke the Fair Credit Reporting Act, and the statement says I do not have to pay for a service I am dissatisfied with IF I have made efforts to settle the problem. I have been trying for over 2 years and badly need a resolution.

Company: Sears - Citibank - CBUSA SEARS
Country: USA
State: Virginia
City: Newport News
Address: 100 Newmarket Fair Mall
Phone: 7578253148

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