Sears & Citicard Services

Sears in Pinellas Park Florida / Citicard Credit Services

To Whom It May Concern,

This account is complicated to follow, but I will try to lay out all

transactions and issues on the part of Sears and The Gold MasterCard

processing, and demonstrate how your recording of these transactions are

in error.

On 2/18/06 I purchased a vacuum cleaner on the account, with total

charges of $386.24.

On 4/27/06 I purchased a washing machine in the amount of $711.40. I

have enclosed the receipts for both of these.

The matter is complicated in that on 4/22/06 I purchased a washing

machine, but it was defective, and I returned it. On 4/25, I received

the replacement washer, and it too was defective. This led to the

4/27/06 purchase and the final debit transaction.

You will notice on the 5/16/06 Statement, I was incorrectly billed. It

reflects a 4/27/06 purchase of $1,364.09. This contradicts the receipt

of $711.40. Furthermore, on my original 4/22/06 purchase, it included a

protection agreement, but upon returning the defective product, the

agreement was not refunded. This was in the amount of $246.09. My

dispute with these billing errors have occurred over two case numbers:

#XXXXXX and #XXXXXX. During this period, my account should have been put

on hold, and no interest or fees should have accumulated. On 8/25, the

cases were resolved, and my account was credited in the amount of

$406.60, not $711.40 as you have indicated in your 2/22/07 and 3/27/07

communications to me. Evidence of the $406.60 credit can be seen on your

8/25/06 communication and the 6/16/06 billing statement. However, this

credit was also reversed on the same statement.

According to my 3/16/07 statement, I have a zero balance. I expect, as

of my last payment of $40.79 made on 1/08/07, interest and fees have not

accrued. I think if you follow the transaction activity below, where all

the inaccurate charges, adjustments and reversals have been removed, you

can see how my account should reflect a zero balance. I used an annual

rate of 18.99% and an average daily balance finance charge method. It

may not perfectly reflect your calculations but should be directionally

correct within just a few dollars.

Date

Description

Debit

Credit

Balance

Finance Charge

Total Balance

2/18/2006

Prog Can, Dust Bag...

386.24

386.24

3/14/2006

Promotional Credit

$15.00

$371.24

$6.09

$377.33

4/11/2006

Payment

$371.24

$6.09

$5.31

$11.40

4/27/2006

Neptune HE CLR and Pedestal

$711.40

$722.80

$11.45

$734.25

5/31/2006

Payment

$300.00

$434.25

$6.91

$441.16

9/1/2006

Payment

$150.00

$291.16

$4.67

$295.83

10/16/2006

Payment

$30.00

$265.83

$4.28

$270.10

11/2/2006

Payment

$100.00

$170.10

$3.49

$173.59

12/18/2006

Payment

$108.51

$65.08

$3.49

$68.56

1/8/2007

Payment

$40.79

$27.77

$0.38

$28.15

What has added to my frustration is the fact that neither Sears nor the

Gold MasterCard processing department has admitted any fault. The

constant attention I have to pay to these issues is costly in time and

money for me. Not included in the list of transactions above is the

Sears service call in the amount of $50 to tell me the 4/22/06 washing

machine was defective - an amount not reimbursed. Also not listed above

is the washing machine I purchased in December 2004, which was under

investigation for class action claims against it - something not

disclosed by the salesperson who sold it to me, nor any Sears

representative. I consider this to be totally unethical behavior. This

original washing machine, which I possessed for only 15 months, began

destroying clothes. Sears would not warranty this machine nor reimburse

me for the damage to nearly $2000 worth of un-wearable garments. That

original washing machine was valued at $749. This has not been

reimbursed.

It is in my estimates that I have received about $1097.64 in goods and

services from Sears, at a cost to me of about $3914.54. At this time, I

feel you should close this account in good standing with a zero balance

and consider this dispute case closed. Otherwise, I will have to pursue

this matter with the legal remedies at my disposal to recuperate lost

funds.