XX/XX/XXXX I had a XXXX and was not able to work. I contacted Sears - CBNA to let them know I was going to be late. At that time I was forwarded to a department who asked how much I could pay each month and if we went into a payment plan and I paid it monthly we would be able to maintain the plan. I made each payment on time with auto withdrawals and completely paid the debt off XX/XX/XXXX. At that time my credit report showed paid as agreed never late. Once the balance was completely paid CBNA / Sears notated my account was late 11 times in a row of 60 days and 9 times in a row of 30 days late. When I disputed they said even though I paid on time and paid what they sent me bills for monthly it was still not enough and that is why it showed 60 days late. I paid every bill they sent on time until there was a XXXX balance. I paid the balance off early. 
