Consumer complaint received 2017-07-02
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed an account with Jared the Galleria of Jewelry a few months ago. Prior to that I requested that they lower my credit limit from the $ 7,000+ limit that was currently on file to {$5000.00} and leave it there since my balance was finally under that. They did so but did not and still have n't reported to all 3 credit bureaus that I requested the limit be lowered so it does n't look as though I went more than {$2000.00} above a {$5000.00} limit, which in turn would hurt my FICO scores on all 3 reports, and would cause massive questions from other creditors. I 've disputed this info twice with all 3 bureaus in the last few months. All came back stating " Verified as Accurate '' which does n't  mean anything. I feel that the bureaus are not taking the requests seriously or disputing it properly to the creditor for them to know what I 'm telling them that needs to be corrected. I just called Jared at ( XXXX ) XXXX which is their customer service dept. who does n't necessarily understand credit at all. They got hired as one rep stated for their " aptitude and attitude ''. That does n't negate they understand credit! They have no ability to answer questions, understand what a credit dispute is or anything else pertaining to credit. They can only read info off of a screen. Other than that they 're completely inept! When I called Jared today XXXX told me that she shows my limit is {$5000.00} on their end. I told her several times that 's not what shows on any of my credit reports. She was n't understanding what I said, no surprise. She said she would turn me over to Correspondence whatever that means and hung up! The next one did n't want to transfer me to " Correspondence '' because she likely did n't know what it meant either. So she tried to help but was XXXX than the last one! She 's lucky I did n't get her name and she 's the one that told me how they get hired. I repeat if you do n't know anything about credit you should n't be working in credit of any kind! Those people that Sterling hires are XXXX than a bag of rocks and know nothing other than what they see on a screen. They do n't know how to answer real credit based questions, ca n't tell you what 's happening at any time on your account, when a payment is truly considered late or anything else. So why do I want to deal with XXXX  people? That 's one of the reasons I do n't have any accounts with them anymore in addition to the fact that their payments are ridiculously high. I requested a supervisor. She was so XXXX  that she forgot to put me on hold. I heard her making comments in the background. She must 've been new because when I asked for a supervisor she did n't seem to know what to do, and had to talk to someone near her about what I said. Then she put me on hold and left me there for a long time. I hung up and decided to file this complaint. I want this issue corrected and if this is the only way to get their attention then so be it!!! They need to fix it and report it accurately on my credit reports - all 3 of  them! I had to fight to get them to show it closed. They are one of the hardest creditors ever to get to fix inaccurate info that they report inaccurate! The last person I spoke to told me that she knows they review every account before reporting it to the bureaus. Is she kidding???!!! Sterling does not hire people to review closed accounts to be sure they are reported accurately! It 's because they do n't hire people that come from the credit world, just inexpensive young people who really do nothing other than warm the chair for the next XXXX  person on the next shift. I recently told my jeweler that I was n't buying anymore jewelry because a ) it 's too expensive and b ) it 's not worth anything close to the excessive amount you pay for it. I bought a ring from them in XXXX and tried to sell it recently to a jeweler that buys jewelry. He offered me {$600.00} for a ring I paid $ 3,000+ for! Really???? I 'm supposed to be inspired to buy more jewelry at ridiculously high prices??? NO!!!! Never again! They have all of these really XXXX  rules attached to their cards that do n't make any sense to anyone but them. I 've closed 3 accounts with them based on the lack of customer service over the phone which is just insanity. I do n't miss dealing with them and this has tarnished my willingness to ever consider buying from the again. I love my jeweler but not the co. he works for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief