Sears Card Charge Off/ NES collections

Contact Nes and inform them this debt is disputed between you and Sears. Contact your attorney general and file a detailed complaint letting them know what you have tried to do to resolve it. Send copy of complaint to Sears and tell them to correct if they know what is good for them.

Can I do that even though Sears (Citibank) charged it off? Of course I've had 2 calls today from "Unknown"... which would be NES. They're such ICEholes when they call. Makes me want to strangle whom ever is on the other end.

Does Sears have the right to Charge off the whole amount?

From what I read if this debt was disputed from the start,I do not see why they would be allowed to charge it off. That's why I said run to your attorney general. Ag's carry mighty big clubs so they are good at handling disputes when companies are not playing by the laws.

We've been disputing through Sears website as well, so all correspondence there is also documented as to when we started complaining.

one thing i always heard about sears is that even if you do pay off what you owe on your credit card somehow charges will still appear from them saying you owe them something. my friends always tell me that you'll never be through paying sears, and i see now that that is true.

Yeah, well it's really #$(@#%^$^( me off! The thing is, at the time when they started billing me for interest and "late charges", I KNOW if we paid anything, they'd apply it to those things, instead of the purchase, thus why we didn't pay on the Bose system. I just want to figure out what recourse we have to get this all straightened out. Of course they then lowered our limit and wouldn't you know it... we all of a sudden exceeded our card limit and vola... another penalty they want to tack on. Uh.. sorry, not happening.

Statute of Limitation in AZ on CCs is 3 years if I read correctly. I really don't feel like going to court over this with NES (or LVNV who is listed as the current creditor). What are the odds that they'd do it? The amount they list as due is $1311.87.

Have you sent them a letter asking that they show validation for this debt? Ask them to show how they came up with these figures, and how they calculated "late fees" and interest.

Have that letter sitting right here to send :) Going out today.

Sears can be quite difficult, to be honest about it, most people who work for Sears really has no idea what they doing, I have had incidents of them turning a $10.79 check into a $107.90 check due to "error", they wont hesistate to put something on a credit report either when they not suppose to or it should of been taken care of years prior, basically Sears has been sued alot of times for this to my knowledge and best thing to do is get a lawyer if they continue to insist you owe the amount.

Doesn't surprise me. We basically only use the card for Sears purchases that have the promotional periods on them. Might as well use their money! I had bought dinner one night on the MC so I called Sears to ask them how they figured the payments. Real nice girl got on the phone and told me that 1st the money is applied to all regular purchases (with interest), then regular purchases w/out interest, then the oldest Promo (no payments w/interest), then oldest Promo w/no payments, no interest). Makes sense to me. Then I call umteen times and they tell me that the billing dept will correct it. Still nothing... so I call back AGAIN and then am told that it's bass ackwards of what this gal told me. There's NOTHING in their legal rubbish that shows how payments are allocated, so you tell me how they figure they can put the money towards the newest thing first? And then they continued to call us up to 6 times a day. Refused to leave ANY messages. Not even a "This is Matt at XXX-XXX-XXXX, please return my call as soon as possible". They swear they're not allowed by law to leave those messages... which I know better. They can't leave any message with what it's in regards to (IE debt).

Im Not sure if bill collectors can leave messages or not, use to they could or have, but as of late I havent seen a case where they have leave messages.

But its best getting a lawyer to settle the matter, I know Sears is one of those places I have had experience with that will screw your credit over in a heartbeat and make alot of errors then never correct them.

The problem is the money situation. It's going to cost me as much, or more than what they say we owe.

Well depending on your law, some people dont know these laws in some states (dunno if your is applied or not)

You can send in small sums of money. like $10 if you wanted each month to any bill collector, as long as they keep that, theirs nothing they can do. You could try that.

Ok... now... should I answer their calls the next time one of the buzzards calls and simply tell them a letter has been sent to their office to CND or should I just continue to ignore their "unavailable" phone number?

Well you can answer unavailable numbers listed. I dont see why Sears would call under an available number though.

It's NOT sears calling, it's NES (or LVNV, which ever office it is) calling.

Ok... so we sent off a letter last week and they're STILL calling us. What now?