I wrote Sears off many years ago...
I was out of work for a month back in 1976 and missed a payment. We got nightly calls about it and after explaining I had job interviews lined up, she still kept calling asking us if we could sell our car or furniture to make a payment.
Next they were involved in ripping people off with phony problem found when cars were brought in for service.
And lastly, there were some regulations going in about caps on credit card interest rates and just before it took effect, Sears raised the rates on their cards by 8%.