I entered into a settlement agreement with Sears by phone on my credit card account in the amount of {$1300.00} to be paid on or before XXXX/XXXX/2015 to settle my account. I received a written confirmation of our agreement by mail per my request ( attached ). I paid the agreed upon amount {$1300.00} in full by phone on XXXX/XXXX/2015 ( well before the due date ) and was told that I could call and request a zero balance letter after 15 days. 
I received a XXXX statement from Sears showing my XXXX/XXXX/2015 payment by phone, but still charging me the remaining balance on the account and interest charges as if the account was not settled. I called and requested a zero balance letter, but have never received XXXX. Next, I received an XXXX statement from Sears showing yet again that I have a balance, a late fee, and interest charges. I obtained a copy of my credit report from XXXX, and it shows that my Sears account is closed but not settled, and it also shows that Sears is continuing to report negative credit information about me to the bureaus. I have n't received a copy of my XXXX statement yet, but it again shows a balance due, more interest charges, and another late fee. 
Sears is in direct violation of the settlement agreement by, 1. ) Not settling the account and applying my settlement payment to the account as a regular monthly credit card payment, and 2. ) By charging me interest and late fees to my account during a settlement in direct violation of the written agreement. 
