I request that the CFPB investigate Sears ' failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Sears account ( ending in XXXX ) for {$7000.00} on XX/XX/XXXX ( See Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX Licenses from the XXXX XXXX that I never agreed to purchase and that were never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through J attached below. 
On or around XX/XX/XXXX, I notified Sears of the fraudulent charge on my XX/XX/XXXX billing statement. Pending the investigation, Sears credited {$7000.00} back to my account ( See Exhibit B in Attachment ). XX/XX/XXXX, Sears provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit C in Attachment ). On XX/XX/XXXX, Sears re-debited the {$7000.00} charge from my account. On XX/XX/XXXX, I submitted a XXXX written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a XXXX billing dispute to Sears requesting that Sears investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through J ). 
In response to the second and third billing dispute letters, Sears has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Sear 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$7000.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ). 
