Date Received: 2022-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received a call on XX/XX/2021. I want to settle my account for XXXX with XXXX XXXX and XXXX XXXX XXXX Yes, will you send me a letter? I never received the letter from XXXXXXXX XXXX on the settlement. I checked my credit report from XXXX it has the same information from XXXX XXXX and XXXXXXXX XXXX. I called XXXX and explained. I Asked an XXXX person to check the XXXX XXXX XXXX and see that I had paid a settlement for {$370.00} on XX/XX/2021. That LVNV was going against the fair credit and had in the collection. XXXX removed LVNV immediately. I tried to do the same with XXXX and XXXX. I and in the group for {$550.00} with LVNV. I have had three disputes, an extension, and hired an attorney with XXXX. You can see it on XXXX. Credit Report under XXXX. The settlement with XXXXXXXX XXXX and XXXX XXXX. Not sure why no one has looked at this a little closer. Thank You
Company Response:
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRCA Violation late payments on credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation late payments loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRCA Violation collection LVNV FUNDING LLC XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act convergent accounts : on XX/XX/2020 wrote a letter no response from any consumers about misleading information on my credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX s.c XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ma XXXX. 15 usc 1681 section 602 states I have the right to privacy.15 usc1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.usc1666B a creditor may not treat a payment on a credit card account under an open end consumers credit plan as late for any purposes.
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: okay my original debt was with a company called XXXX XXXX who i tried to settel before i asked to close my account. this happened in the middile of the pendemic and i offered to pay them a lower amount until things changed they refused my {$30.00} offer and them sold my information to LVNV funding LLC without my permission then this company started calling me until i blocked thier number from my phone. i have never conducted any business with lvnv funding and this company never issued my any line of credit so why is this on my credit report {$540.00}? PLEASE ask this company to you an original aggrement with my signature on it to verify that we conducted business together... thanks
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC section 602 states i have the right to privacy. 15 USC1681 section 604 A section2 : it also states a consumer reporting agency can't furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I, XXXX XXXX, am a federally protected consumer and THIS IS NOT A DUPLICATE COMPLAINT AGAINST LVNV FUNDING/RESURGENT CAPITOL, ( and not the same complaint as complaint # XXXX that is submitted through this portal ), but yet another/different complaint against this company for violating a cease & desist sent to them on XX/XX/2022, via certified mail with tracking # XXXX marked as delivered on XXXX at XXXX. ( certified return receipt attached labeled Exhibit B ). LVNV Funding/Resurgent Capitol has violated my rights to privacy as a consumer, and is in violation of the FCRA and the FDCPA. According to 15 usc 1692c ( C ) LVNV Funding/Resurgent Capitol is in violation by continuing to contact me via USPS after receiving a cease and desist. The Law states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt OR that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector SHALL NOT communicate further with the consumer with respect to such debt, EXCEPT- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ''. The law goes on to say, " If such notice from the consumer is made by mail, notification shall be complete upon receipt ''. Attached and labeled as Exhibit A are scanned copies of LVNV Funding/Resurgent Capitol sending a total of five ( 5 ) different correspondences/letters ( a total of thirteen ( 13 ) pages ) ( last page with violations ) to my address, all dated for the same day of XX/XX/2022. It is obvious that this must be a computer generated error. Nevertheless, LVNV Funding/Resurgent Capitol is responsible for this error. It is my belief that LVNV Funding/Resurgent Capitol has blatantly disregarded not only my request to cease and desist, but also the Federal Laws by continuing to use unfair, unlawful, abusive debt collection practices. This company is also reporting this same account as closed on XXXX and XXXX, and reporting as a collection account on XXXX. All of this activity and inaccurate reporting is causing me much stress and harm, not only to my health but also to my financial reputation and is also a violation to my rights to privacy according to 15 usc 1681.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XX/XX/2022 and XX/XX/2022 i resquested the verification of the alleged debt pursuant to my right. Lvnv funding llc failled to obtain and send verification of the alleged debt by not mailling me a contract .instead of sending a signed contrat or agreement as requested
Company Response:
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TODAYS DATE : XX/XX/XXXX RESURGENT/LVNV FUNDING Account XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious RESURGENT/LVNV FUNDING Account XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with resurgent capital services, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A