12-13-2012 11:27 PM
12-13-2012 11:27 PM
You could also try the consumer financial protection bureau. I have heard good things. I don't know if its 'ok' to post the link, so just google them.
12-13-2012 11:28 PM
12-13-2012 11:34 PM
Yup.. I'm off work tomorrow, nobody else here awake but me and the beagle.
Jealous. I work til noon... ha
On an aside, I used to work for Sears Holdings in Hoffman... I worked in IT, but I have a couple friends there still, I might be able to sneak some GW type contacts. I will let you know, but in the meantime, BBB complaint will be a good start, because the BBB was created for just this type of scenerio
12-13-2012 11:35 PM
Don't be jealous, cause I go back in Saturday and work a 72 hour shift.
12-14-2012 12:11 AM
Thanks Rocket Ill keep you posted. On my side note Im jealous of anyone who has one day off been working non stop for two months now including the weekly jaunts to Long Island trying to keep my parents from killing each other LOL and all those other crazy things you do for parents like show them the computer is not broken they only hit the mute button on the speaker. NOT KIDDING!
12-15-2012 01:04 PM
The Fair Credit Billing Act (FCBA) is the primary statute for addressing disputes over billing, including receipt of goods and any other billing related issue.
Unlike the FCRA dispute processes, it has disclosure requirements imposed on the creditor.
Have you filed an FCBA dispute with the creditor?
As the prescribed statutory process, it is likely that any other complaint or dispute would be bolstered by having first disputed under that process.
12-15-2012 01:54 PM - edited 12-15-2012 01:56 PM
This very interesting...I bought a video camera from sears a few years ago and returned it and was never credited the money on my card either...Needless to say, the account went to charge off and is now sitting with a CA (Midland)...I have told them that I didnt owe it because the merchandise was returned, but I feel like my words are falling on deaf ears... Its very ironic to me that the same thing happened with the same company in the same type of situation...
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.