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Lalibco and CRB - Are they scamming people?





Sub: Lalibco and CRB - Are they scamming people?
Sun, 09/09/2012 08:54

They say there charging me with checking fraud because they say they have me on tape saying a check number and some other info but the names differnent, soc. is differnent, and addresses was wrong. They threaten to call the police. and that its a felony. I havnt even recieved a letter cause they sent it to some other address. They say i have till friday to call and tell them weather im paying or not before they turn it over.What should i do?



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Sub: #1 Yes they are a scam!Sun, 09/09/2012 - 08:54



Got a letter from them saying the same thing as others are getting...got on some party line and charged $80.

Woman on phone was very defensive when I questioned their legitimacy.

So I called the police in that city in Ohio. The police knew what I was talking about right from the start and said they arent actually based there. They have a MAILBOX IN A STRIPMALL!

That right there says a lot.

The police told me to ignore and throw it out.

They are not a real office...they operate out of their home and prey on the weak. DO NOT PAY THEM


Unregistered

Sub: #2 Read this it's everything you need to win over crb!Wed, 04/18/2012 - 07:25



READ MY COMMENT IF YOU WANT TO FLAT OUT BEAT CRB AND HAVE THEM CLOSE THE ACCOUNT WITH NO ARGUMENTS AND NO CREDIT REPORTING
htt p://www.creditinfocenter.com/rebuild/debt_validation.shtml
^^^^^^ SAVE THAT SITE AND REFER TO OFTEN FOR USE WITH CRB... dont refer to it as in tell them about it...but read through it carefully and see what you can use against crb... especially the validation part. Before you request validation however, request verifcation either verbally or through writing. I would immediately ask that you no longer be contacted through the phone or in writing unless you request so. Then when they give you the letter giving you the original 30 day time period, request verification through UPS Priority mail, not US registered Mail (registered not as reliable as UPS priority mail), and keep receipt that you get emailed that they received your letters (use sample letters on the website I gave you and just fill in the info that will make it work for CRB and yourself. They will probably forget to reply or lose the letter hence invalidating the debt, say they've already reported it and invalidate it again, send you either verification and claim that its a validation as you requested, either way, if they don't provide the mailing address of the original creditor aka the company they say you owe money to then they have invalidated the debt, call and ask about the letter and if whoever you've been dealing with and addressed it to says they don't have it or that their manager keeps all letters then they have tampered with mail because the letter was addressed to them and it was supposed to be signed by them (they may ask you fax a copy because they never got it...tell them you will not do so because you have the receipt that they did get it and its not your problem they lost it...also this could mean that you were trying to send payment with a check, debit card, or credit card info in the envelope and they have lost sensitive info as well as they are supposed to keep every letter sent to them especially those coming from debtors such as yourselves for documentation and compliance purposes and if they don't have it and they signed for it then they have invalidated the debt, just keep reading through this site and also read through the fdcpa site (the link is available on site I provided) and read through any other relevant links for debt collection. Keep contacting them through legitimate letters signed by you and keep scanned copies after you sign with a date on top, keep a saved copy of letter, keep a copy machine version of letter, and send the original signed by you letter to CRB, also use UPS and request signed receipt when they receive it and if they contact you again after you know they have received this letter or after you requested no contact then they have violated the law and ruined the whole collection...then constantly call and ask for more info and ask about receiving things you've requested also pick apart what they have sent you and ask about parts of the law and if they have met these terms of law and ask where you can find on their letters and such how they fulfilled these terms...then use words like fdcpa, lawsuit, suit, attorney, summons, affidavit...keep at it and keep documenting everythign they do...they are not smart, they will screw up and when they do make note of it...after you have a good amount of these screw ups or as many as you can get...call them and ask about where your attorney can send a cease and desist letter or where he can send his summons for a civil suit to and list all the legal mistakes they made so they can see youre being honest (be sure to be as respectful as possible through all this so as to keep your cool and let them get mad, let them make the mistakes, this also shows intelligence and that you are serious)...Most likely they will back down and close the account as they did with me...took me about 30-60 days to do this but I have gotten them scared and they have backed down from a $549.00 from Lalib Co...they are really dumb folks... Toni Owens at one point tried to tell me it was too late for my attorney because she had already reported it (although this was only 20 days about since I received first letter) I told her she was lying I had checked my credit reports in past 24 hours and there were no negatives on any of the bureaus and she says to me, "Did you check all four?" LMFAO Toni you con artist, there are only 3 credit bureaus you idiot...thats harassment right there, illegal!!! ANyway do this and your good! Read the website I posted at top very very carefully and compare the info it provides about collections to your letters, calls, actions, conversations, and all in all every little detail of your interactions with CRB and their employees and their collection methods. DOCUMENT EVERYTHING AND COMPARE INFO FROM THE WEBSITE AND ANY LINKS THEY PROVIDE ON THE WEBSITE SUCH AS FDCPA LAW WEBSITE FROM US GOV AND ALL OTHER IMPORTANT AND EVEN WHAT MAY SEEM UNIMPORTANT TO YOU LINKS AND INFORMATION; COMPARE ALL THIS IMMEDIATELY AFTER EACH INTERACTION AND OCCASSIONALLY A FEW MORE TIMES TO YOUR CRB INTERACTIONS. TRUST ME IN THAT IF YOU REMAIN CALM, COOL, AND COLLECTIVE AS WELL AS INFORMED DURING THIS WHOLE PROCCESS WHILE CONFRONTING THEM AND QUESTIONING THEM THEY WILL ROLL OVER LIKE HURT PUPPIES AND STOP TRYING OR PRETENDING THAT THEY ARE COLLECTING FROM YOU AND THEY'LL CLOSE ACCOUNT. THEY WON'T TELL YOU THEY ARE THOUGH YOU HAVE TO KEEP QUESTIONING THEIR METHODS AND THEN CALL 24 TO 48 HRS LATER TO INQUIRE ABOUT STATUS OF ACCOUNT.
REMEMBER: BE CALM, AND RESPECTFUL! BE FIRM AND EVEN DEMANDING IN YOUR QUESTIONING AND IN POINTING OUT THEIR ERRORS AND YOUR COUNTERTHREATS OF LAWSUITS AND REPORTING THEM TO AUTHORITIES AND ALL. TELL THEM YOU HAVE AN ATTORNEY ADVISING YOU TO DO ALL THESE THINGS LIKE SENDING LETTERS AND ALL (remember a lawsuit is not worth your debt to them or fake debt in most cases, a lawyer is too costly for em and this may expose their practices to authorities too much!) BY BEING CALM AND RESPECTFUL THEY WILL BE MORE COOPERATIVE HENCE ALLOWING FOR MORE TIME AND GUARANTEED OPPORTUNITIES TO CATCH THEIR MISTAKES, EMOTION WILL NOT HELP YOU IN LEGAL BATTLES BUT THE FACTS AND INFORMATION WILL, THEY KNOW THIS THAT'S WHY THEY THREATEN US TO GET US EMOTIONAL AND SCARED GETTING US TO PAY OR GIVE UP INFO THEY CAN USE AGAINST YOU! ABSOLUTELY IGNORE ALL THREATS OF THEIRS OR YOU WILL NOT HAVE UPPER HAND ON THEM EVER, THAT AND BE EDUCATED, FIRM VERY FIRM AND CALM SO THAT THEY KNOW YOU ARE SERIOUS. CONTACT THEM MORE THAN THEY CONTACTING YOU ALWAYS INFERRING YOU'RE FOLLOWING AN ATTORNEYS ADVICE AND YOU THAT WANT YOUR ACCOUNT CLOSED AND WHY. IF THEY REFUSE SAY OK. AND REQUEST MORE INFORMATION THROUGH LETTERS AND OTHER MEANS I RECOMMENDED. SOREY FOR LONG POST BUT I WANT TO HELP AS MUCH AS I CAN I KNOW HOW STRESSFUL THIS SHIT IS POTENTIALLY RUINING CREDIT AND ALL, YOU'LL BE FINE THOUGH BECAUSE NOW YOU ONE STEP AHEAD GOOD LUCK EVERYONE AND I HOPE I HELPED!


Unregistered

Sub: #3 Paul@CRBThu, 06/30/2011 - 10:45



CRB is not a scam Company. We've been in business over 8 years.
Check out our BBB Report. We have a B Rating and have responded to all BBB inquiries.
99.3% of BBB inquiries have been resolved or CRB made a good faith effort to resolve.
We also work with law enforcement in identifying true Internet based fraud.


Unregistered

Sub: #4 Paul@CRBThu, 06/30/2011 - 10:40



CRB is not a scam Company but has been in business over 8 years.
Check out our BBB Report. We have a B Rating and have responded to all BBB Inquiries.
We collect on a very large number of accounts, thus we have a very small number of BBB inquiries as a % of total accounts.
99.3% of BBB inquiries have been resolved or CRB made a good faith effort to resolve.
We also work with Law Enforcement in identifying true internet based fraud.


Unregistered

Sub: #5 to be quite honest with you,i recieved a letter last year sometiTue, 05/17/2011 - 21:41



to be quite honest with you,i recieved a letter last year sometime regaurding lalibco, etc etc... ignored it and did nothing... i then about 2 months later was trying to refinance my home when i saw the same charge on my credit report!! i called crb absolutely livid. they did whatever they had to do tracing all the information i thought was "fraud" back to my son...he then admitted it!!! crb is not a scam, once this was resolved it was then removed from my credit.


Unregistered

Sub: #6 CRB contacted my husband in 2009 alleging a debt that was not ouMon, 05/02/2011 - 21:26



CRB contacted my husband in 2009 alleging a debt that was not ours. We paid it in May of 2009 just to get rid of it ,and then again last week, two years later, we got a letter from CRB alleging we owed the very same debt! In spite of my attempts to get them to acknowledge receipt of our money order in 2009, we never received it. I am going to lodge a complaint with the FTC, which I already did in 2009 but will do again. These are obvious scams.


Unregistered

Sub: #7 LALIBCO.COM -- theftTue, 03/15/2011 - 07:38



They were just successful in making three unauthorized charges to my credit card. My CC's security system blocked SIX MORE attempts.
Does not sound like a scam -- sounds like THEFT!


Unregistered

Sub: #8 i just submitted a complaint to the FTC ... i hope this helps usThu, 03/10/2011 - 14:26



i just submitted a complaint to the FTC ... i hope this helps us all


Unregistered

Sub: #9 So I also had an issue with Lalib CO and CRB, i had a issue wherThu, 03/10/2011 - 13:57



So I also had an issue with Lalib CO and CRB, i had a issue where a bank card and a credit card were compromised .. the back and credit card company said i was cleared .. i later got phone calls from crb about every other day .. noting was sent to my house, i told them to send something a few weeks later i got a letter ...

so me thinking it was a legit company i just paid them ... but as soon as i paid them i had 2nd thoughts because the website was very "low key"


apon googling this company i see all these problems now .. now i dunno what to do


Unregistered

Sub: #10 Lousy, rotten liars - they should all be in jailTue, 02/22/2011 - 07:41



I just found a charge for $59.99 on my credit card bill. Couldn'at find a phone # on them. I called my credit card company and they immediately closed my credit card and are in the process of issuing a new card #. I know I have absolutely NO DEBT to be paid. I use 1 credit card and send a check as soon as I can get to my check book. I use the card because I do alot of internet ordering and I like to rack up the miles. This is one company I know I have never done business with, and if they are debt collectors, they are knocking on the wrong door.


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