Sears/LVNV Extortion

Do/did you have an account with Sears?

Sears is funded by CitiBank. Citibank sells off their debts when they charge off. If LVNV is collecting on behalf of CitiBank (pre-charge off or early out) Then you should be able to call CitiBank and request statements for up to two years I think. I know that if it isn't charged off you could be facing over the limit fee's, interest of about 32% and late fee's up to 40 bucks. And that is something on the account you can't dispute.

An account which I never had with Sears nor any information to me of such an account, which according to me is fabricated, false, fraudulent and asking me to pay. What a wonderful modus operanti

You should pull yourself a credit report from all 3 agencies and find out what else is on there that isn't yours. Take it to the police and file a report. Then contact each creditor with a copy of the police report. If someone used your information then I fail to see how it is CitiBanks or LVNV (as bas as they are)'s fault.

Your ID was stolen from what you are saying. There is no telling what else might be out there in your name so it would be a good idea to get on top of it.

as always, FYI is giving you awesome advice. Follow what she said and protect yourself.

As for the debt in question, dont worry--take a deep breath. There are things for just this situation. You need to send a debt validation request to LVNV by certified mail, return receipt. If you need an example of what this letter should look like, there is one available in the do-it-yourself section under "sample letters". Type up a letter like that, be sure to include any account # that LVNV provided, and send it off certified mail RRR. it MUST be sent certified mail, so you will have a record of when they received it. It is then their responsibility to get validation of the debt, to prove it as yours, and then send that to you. They cannot continue trying to collect on the debt between the time they get your DV letter and the time they send you the validation.

It is true that a lot of collection agencies suck. But, before you jump the gun, lets remember that they are run by people and people can make mistakes too--thats why the law exists. Send off that DV letter and let us know what happens from there, and we can help you sort it out.

wow I have Sears (original) and Citibank collectively ..cards..for over 80,000( two cards are over $35,000 each ) have always never had any disputes with sears or citibank..
Fyi..I assume this is not the credit card company you represent and make a living collecting from?..you aren't making money here so you protest ? very obvious to all here who have researched@!.. I can honestly say not being in the business that my sears card is one I respected for honest transactions in past ten years! of course I have never had anything charged off..but have always had nothing but great and awesome dealings with this particular company..who do you represent Fyi?..please let us know here!

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I totally respect all comments on this forum and am sorry have stepped over line..I just don't trust debt collectors and especially not debt collectors who say they are here helping someone else..now I respect anyone in any aspect of life who comes to bring opinion to the table..but I am sorry for suspecting someone in the business that 98% of people on this site has horror stories of how badly they were treated and got
the fact that I don't trust debt collectors on this sight is the reason I will not be back very much in the future..but will continue to check back once in a while to touch base with all the wonderful people and friends I have met here..I am just so tired of being called the bad person here..because I assumed another debt collector was here for the wrong reasons..the sight is here to help people in debt and to help people pay off their obligations they owe..I am well aware of that...
sometimes I have felt love for this person in the debt collection field who is here to help in her words ..and..sometimes after researching this person's posts and reading all posts from day one...I do not trust at all..and I am not sorry for that...I have not made one penny from debt collections or posting on this site and never will..and once again thank you to all who have been my friends and realize that my time spent here has been to help others..After my first week on sight after my first visit when everyone else was SOOooo NICE TO ME! and I felt need to stick around and PASS IT ON!!!!! also..my last response on this subject would be to skydiver..



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"FYI is a very well-educated " etc.etc.
....I would question that statement myself (I'm thinking from spelling and posts ...probably not even a high school grad)..but everyone here is entitled to own opinion..again I'm gonna be more invisible from now on...so ya can all keep spreading the FYI love! socks is outta this one! :D and when I post I will be sure to check if any debt collectors have posted on the thread before I enter.. :D

Socks you should be band from this site, but that's just my opinion

gee thanks mommomtoya glad I love you too!!! but let me copy the above section of FYI post that I totally disagree and why I posted the mad!!!!! statement to begin slowly ....here it goes okay?
......here it is.....
.she stated quote ...
I pasted...
(and this is why I posted my educated experience with company she slammed here)
this is her exact what above has called educated post.......
QUOTE
"how it is CitiBanks or LVNV (as bas as they are)'s"
WOW!.......
(I'm assuming she meant as bad as they are which is what pissed me off big time okay) because.....
okay...
it is okay for FYI to generalize about her thoughts on bad collection companies whenever she feels like it because she doesn't work for them and only her company does the right thing? because she obviously doesn't collect for them the two she bad-mouthed (and I actually contacted Citi today and am having them look into her statement here after you said I was in the wrong.. morning sky and mom).....my statement and fact is that I have had an extremely wonderful relationship with Sears and Citibank..and am very happy with my dealings with them.. (And yet..citi affiliates giving my daughter in college a total of three credit cards is the real reason I originally found this beautiful sight)...my take on the situation is a person in the collection business has no credibility slamming ethics of other companies in the same business (in my book at least)..take care mommom!..I don't expect you to even understand but I know for a fact that others here do!!!!! and if I should be banned then ...so should you ...so there!!!!!! :D :shock:

Typos sock, settle down. I doubt anybody is getting banned. There was another member here (Hanky Spanky) that was doing the same thing to FYI and he eventually got banned for harassing her. Don't head down that road.

Members are requested not to get distracted from the original topic. We all know that FYI is a very good member here and she is been helping the community since the past couple of years. It will be wrong to doubt on her suggestions and members, please don't make your comments too personal on anyone online. If you have any issues, please keep it in private.

hi Mike... I felt I was doing the right thing here and apologize ....because I do not want to be on the offensive here ..I just get so upset when I feel people are being duped or taken advantage of.....when I saw the statement that implied Citibanks are bad...I thought Wow! that's just like saying "All debt collectors are bad" or "All Czechoslovakians are bad" and on and on..the generalization is wierd from debt samaritan....not trying to get distracted or be mean...and I apologize for thinking that someone is extremely Narcissistic to be a debt collector here helping others and I do apologize for the fact that I have believed in so many others here but still feel there is a hidden agenda..Mike I sent out several e-mails to many Citibank and Citifinance... people encouraging them to visit site where their name is being mentioned hope that is okay and I apologize and will just from now on when I come to site stick in threads where positive things are happening! My issues were because of extreme distrust of Debt Samaritan's true motivations..but I will move on and promise to avoid any page said member posts reply to!
and Jcemt..I am and always will be from first week I found this site..a big fan of yours..I can't understand a comparison to someone else who "headed down a certain road"? I have only had the best intentions with no ulterior motives in mind since I started posting here and I can rest assured that ...

I was just trying to warn you against doing anything that might get you banned, I don't want to see that happen.

thank you JCEMT..you protect and keep me in check here I appreciate it!

I would like to be here for all the members if possible.

you are Jcemt

here keeping all informed of the

thank you!

also Jcemt ..I backed up all the e-mails I sent out to Citi letting them know that as my great-grams said..I took a deep breath and considered the source....Nothing of considerable substance equals.......