Total complaints
1
Filed since Seri
2026 data Public-data reference. official source
so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account's complaint history from CFPB public records. 1 consumers have filed complaints since Seri. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
Seri
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account complaint mix by product
- my XXXX 1 100.0% – 0% relief
How so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| my XXXX credit score increased 20 points | 1 |
Top States
| State | Complaints |
|---|---|
| it will clearly drop my score ( 14 years of demonstrated credit ) .This is UNACCEPTABLE! | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| no delinquency | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account
so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to Seri, and the most recent logged activity is Serious De, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "my XXXX credit score increased 20 points", and the single most common underlying issue is "no delinquency".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account have?
so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account respond to complaints on time?
so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account has a 0% timely response rate to CFPB complaints.
What is the most common complaint about so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account?
The most common issue reported against so as a result of me protecting my credit and making large payments to reduce the 95 % utilization from Sears reducing my credit line Sears now penalized me again for doing the right thing and CLOSE my account with no valid reason as I have made multiple payments each month and got my utilization back down to 4 % from the 95 % and by closing my account is "no delinquency" in the "my XXXX credit score increased 20 points" product category.
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