Sterling Jewelers Inc. Credit Card Complaint

Sterling Jewelers Inc. Credit card department,

Billing disputes Florida

- - reported me 30 day late payment for -/-/- and 60 day in -/-/- stating we only made partial payments when I was set up on a automatic withdraw program. I was never notified that the amount being withdraw was not correct amount and was under the impression that since the money was being withdraw from my bank account that payments were being applied correctly. I never received any statements nor any type of documentation of changes to payment amount from $65.00 to $180.00 and when informing representative of this their answer was simple well since we did not receive any return mail you should have received it. Also on - -, 2016 I called in to pay off account since my wife and I are in the process of purchasing a home any needed to boost up our credit and we were offered a settlement payment for the amount of $870.00 which was paid that same day


When I called in to see why that amount was withdraw and requested a refund I was told since they had not applied the settlement payment to your account yet the $65.00 is being applied to the remaining balance on the account and can not be refunded but yet they send me a letter dated -/-/- that my account has a $0.00 balance which does not make any sense to me. If we can find a way to remove this discrepancy from my credit score it will be greatly appreciated.