I a sears master card holder have come upon hard times like most of the world. Made payment a arrangement with sears for my sears card and master card on the same day with the same person on the phone. When I reviewed my bank statement after a very rude call from a collection agent in reguards to my sears master card. The arrangement went through as planned for the sears card but not for the master card. Now I'm in collections and have a bad report on my credit. No one at sears can help they say but it is there fault that the arrangement did not go as planned. I trusted that they would do what they promised. Sears is the ones that called and wanted the payment plan to come directly from my checking account and that is the way it was suppose to happen. and now I pay the consequences. There has to be someone that can reverse this BIG MISTAKE that sears made.