I had a sear gold card,I pay off all I own 647$ But they charge me 39.00 because they say I was late for one day to pay this bill.I wrote letter to chanlenge their decision.They don't respons my letter and continue charge late fee.I have to close my account and sent back the card,they contiue charge late fee.Four month pass by I end up own then 131 dollors.How can i fight for this unjust?
2007-10-10 06:09:13 · 7 answers · asked by brother3 4 in Politics & Government ➔ Law & Ethics
Hi I recently got a job working for citi - sears cards. To let you know I am not to happy at how they tend to treat the card member.
They are very very fee happy as you see. My advise is to call the # on the back of your card and see if the customer service agent you get is willing to wave a few of your late charges. Unfortuatly it sounds like you have been avoiding this for a while and I doubt that citi will wave all your fees. I would also advise you to pay this off as quickly as you can and close the account.... oh yea one more thing ... if your balance is $131 pay more then that because they will charge you residual interest. I get a lot of calls from card members asking why they are being charge more interest after paying off your card.
2007-10-12 15:28:44 · answer #1 · answered by yyzbytor 2 · 0⤊ 0⤋
Usually they will cut you some slack if you were late for 1 time and reverse the $39 late charge.
However, at this point it is probably too late.
Just pay the amount so it doesn't impact your credit. Then cut up the card, write a letter to Sears telling them to close your account, and at the same time, tell them for now on you will be taking your business elsewhere.
Sears isn't in the best financial shape in the world, if you were a good customer, they may refund your money to keep your business.
2007-10-10 06:17:07 · answer #2 · answered by Anonymous · 1⤊ 1⤋
unfortunatly, they are correct! Once you have a charge on the account (including fees), you have to pay it the next month or that will incure other fees/charges & that incures interest on it.
You have already ruined your credit by not paying this! You have gone 5 months without paying on your account! Each month adds late fee & interest.
You can dispute if you want to & have them reimburse your fees, you do not have the right to with hold payment until you get what you want. You must keep your account current until they decide, so you must keep paying every month. By this point, you have no ground to stand on because you are so late with it & have no bargain power.
2007-10-10 06:31:43 · answer #3 · answered by ricks 5 · 1⤊ 0⤋
Realize you WERE late in paying the card. It is not Sear fault. Just pay the penalty and move on.
2007-10-10 06:12:27 · answer #4 · answered by mustagme 7 · 2⤊ 0⤋
They are the worst when it comes to this and they will screw up your credit up. Just pay it and get rid of that card.
2007-10-10 06:22:33 · answer #5 · answered by Anonymous · 0⤊ 0⤋
only way to fight credit card companies is not to use cards
all that you said they did is stated in there tos
sorry but pay it or your credit score will suffer
2007-10-10 06:17:47 · answer #6 · answered by darcymc 6 · 1⤊ 0⤋
and you wonder why they have the 25-32% rates i will not have one and the late fees...
2007-10-10 06:15:12 · answer #7 · answered by goat 5 · 0⤊ 0⤋