Date Received: 2022-04-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: LVNV FUNDING, INC and their attorney got a judgment which is the result of identity theft and it was uncollectible because it was past the statute of limitation. A relative took out a credit card in my name. I paid it about ten years ago by phone and thought that was the end of it. LVNV through their lawyers, XXXX XXXX in XXXX XXXX got a judgment although they knew the debt was old and uncollectible. of course, the Judge took their side because that's what a corruptible judicial system does. I tried to tell them it wasn't my debt and besides that it had been paid by them collecting a payment more than a decade ago. i also had someone tell the Judge that I had an email that stated that the email was too old. I do not owe LVNV anything and I do not see how they can collect on this debt. The collection attorneys they have are the worse. Not only that, they are well connected, getting judgements on people everyday. You need to investigate them and their antics for the sake of hard working consumers like me who are being railroaded by big corporations who buy old debts for pennies on the dollar. it's unfair for me to be a victim of identity theft, pay the bill and then get a judgment against me for an zombie debt. It is so unfair I am crying all the time about this because there are people out there who are just horrible people and take advantage cause they can. I do not have any more money to pay lawyers but I will not give up because I do not owe this and I can not let them win
Company Response:
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: This company LVNV has brought a lawsuit against me I notified them I want proof it is mine- I am sending the email I received and there is no proof it is mine. Also it is 7 years old and after 7 years if it is mine it is supposed to be off your credit report - this account is not even on my credit report I never had an account with XXXX XXXX ( have no idea what that is ). I want this law suit dropped. I also want punitive damages of {$1500.00} for the damages they are doing to my name XXXX! I'm XXXX and I'm here to explain who we are, what we do, and how it all impacts you. Let 's start by discussing some information about your account. The account ending in XXXX was charged off and sold by XXXX on XX/XX/2015. Please note, the account has been purchased and re-homed to LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, Resurgent Capital Services. We know paying off debt can feel overwhelming, but rest assured we've helped millions of people just like you resolve outstanding debt and we're confident that we can find a solution that works for you, too!
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I received a letter on XX/XX/XXXX from Resurgent Capital Services. There were XXXX pages : One dated XX/XX/XXXX was sent to an address in XXXX ( notice of assignment ) One dated XX/XX/XXXX I called Resurgent at XXXX ( XXXX ) XXXX around XXXX XXXX XXXX and tried to tell them that they had the wrong person. They asked for the last four digits of my SSN, and I did not provide that information. They told me to call XXXX to see if they could help. I called XXXX XXXX ( XXXX ) XXXX around XXXXXXXX XXXX XXXX and spoke to XXXX. I tried to explain that I had received letters and that they had the wrong person. He asked for an account number, I provided the last four digits for the account that I had. He could not pull up the account and suggested I email their corporate office for help at XXXX. I did not email them. Instead, I leveraged a legal benefit I have with my employer. I open a case to get legal help with financial matters. I was assigned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA, XXXX ( XXXX ) XXXX XXXX Legal case information : Member ID : XXXX Case Number for Debt/Identity Theft Matters : XXXX I called the number ( XXXX ) XXXX around XXXX XXXX XXXX and left a voice mail. I received a call around XXXXXXXX XXXX XXXX from XXXX XXXX XXXX. I explained the situation, and he advised me to ignore the letter as it was not seeking to collect payment. He suggested if I receive another letter, to dispute the claim. XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating I owed them {$580.00} from XX/XX/XXXX. They had some instructions on ways for me to resolve this. I sent them a certified letter ( XX/XX/XXXX ) and a copy of the letter they sent me in which I marked I did not own the debt. The letter I sent them was a suggestion from a claim I filed against them online with Consumer Financial Protection Bureau ( XXXX ). They received my letter on Monday, XX/XX/XXXX. I received an electronic delivery confirmation for this letter. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX responded to my claim with XXXX ( claim # XXXX on XX/XX/XXXX and stated that Upon review, XXXX XXXX XXXX XXXX XXXX ( XXXX ) received XXXX XXXX account in our office on XX/XX/XXXX, for service. Our client reflects the Debt description as : XXXX XXXX with a balance of {$580.00}. Per our records, the account reflects an open date of XX/XX/XXXX. XXXX acknowledges that XXXX XXXX disputes the account and per his request, we have placed his telephone numbers onto our internal Do Not Call list to ensure that we cease communications regarding this matter. XXXX XXXX XXXX will no longer service this account. XX/XX/XXXX Today I received two letters from Resurgent Capital Services in the mail. One letter shows the debt assigned to XXXX XXXX from XXXX, Fl. The other letter seeks to collect payment from me. I ticked the box to dispute the box as this is not my debt. I am sending them a similar letter that I sent XXXX XXXX XXXX XXXX XXXX based on the template I found on the CFBP website via certified mail that I do not owe this debt and that they have never provided evidence that it is my debt. The letters they sent me that I received on XX/XX/XXXX were addressed to a person that has my same name but lived in XXXX, FL. I have never lived or owned property in Florida. I have also never used XXXX or purchased their products. These letters do not prove that I incurred this debt. They show that someone with a similar name may have used XXXX in the past. The other complaints I filed through the CFBP site on XX/XX/XXXX are : XXXX ( XXXX, which is still open ) XXXX ( XXXX XXXX XXXX XXXX - they closed the claim as they know I am not the person they are looking for ).
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and XXXX ). I've submitted this complaint 4 times & you are claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and XXXX are violating FCRA sections 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see that this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks LVNV FUNDING LLC XXXX
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding is illegally collecting and reporting a debt on my consumer credit report. On several occasions, I have reached out to this company to get this issue solved. I originally sent this company a request to provide documentation that they are, indeed, entitled to collect on this alleged debt. They were not able to provide complete documentation, for I have never done business with this organization. My initial communication was a cease and desist, followed by a billing error notice. On XXXX/XXXX/2022, I received a response from this company stating that my previous complaint " did not contain sufficient information to resolve this matter ''. Recently, this company has received another request for documentary evidence of their authority to collect on this debt. I have received no response to this date. I have attached all correspondence I have had with this company.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: Dear Resurgent Receivables LLC, or to whom it may concern, in my previous CFPB complaint, you mentioned you are licensed, but you never directly answered my question? You answered my question in a deceptive way, CFPB investigate their response. However, I, XXXX XXXX, a natural person, consumer, demands the mentioned documentation below from Resurgent Receivables LLC, also CFPB investigate their response to this complaint, because I believe this company are performing deceptive business practices. Again, the information I demand is below, best regards. A COPY OF THE BILL OF ASSIGNMENT. RESURGENT RECEIVABLES LLC LICENSE NUMBER TO PRACTICE IN THE STATE OF XXXX & XXXX AGENT. A COPY OR WRITTEN PROOF OF A CONTRACT BETWEEN THE TWO US. PROVIDE A COPY OF WHEN DID I, XXXX XXXX, GIVE RESURGENT RECEIVABLES LLC THE PERMISSION AND WRITTEN INSTRUCTIONS TO FURNISH ON MY CREDIT REPORT PURSUANT TO 15USC 1681b ( a ) ( 2 ). HOW DID RESURGENT RECEIVABLES LLC CALCULATED THE ALLEGED DEBT AND WHERE DID YOU THOSE NUMBERS FROM? HOW DID THEY IDENTIFY THE CREDITOR WHO GAVE RESURGENT RECEIVABLES LLC PERMISSION TO VIOLATE MY RIGHT ( S ) TO PRIVACY SINCE THEY ARE A THIRD PARTY? 15 U.S. Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Failure to comply, will result in violation ( s ) and fines. Best regards. XXXX : XXXX [ XXXX ] Without prejudice, all natural rights reserved.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: *I am a Victim of Fraud/identity theft *Accounts were open under my name, I have been able to dispute some and some have been deleted by the actual creditor. ( one of them being XXXX ) XXXX XXXX XXXX : {$860.00} Date Open XX/XX/XXXX ( never opened an account with this company ( XXXX Has deleted this account, but XXXX and XXXX have not ) XXXX {$600.00} Date Open XX/XX/XXXX I have sent a 1099-c to the credit Bureau and nothing has been resolved XXXX this account was open XX/XX/XXXX this account is not mine but I PAID FOR DELETION and still shows ( XXXX and XXXX show I have an available balance of {$600.00} and {$1000.00} with {$0.00} balance but at the sametime it show a neg derogatory XXXX XXXX a copy of a letter has been sent from XXXX stating I was never late yet still shows I missed 1 payment on XXXX of XXXX LVNV FUNDING LLC open as identity theft XXXX and XXXX have removed still on XXXX XXXX XXXX, XXXX open as identity theft XXXX and XXXX have removed still on XXXX Inquiries XXXX from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Since XX/XX/2022 have been receiving all day harassing phone calls from LVNV lending company. I am on welfare, medically XXXX with no income. I told them this in at least XXXX conversations. They sent the case to small claims court anyway and are threatening me with a state XXXX. I told the court the same financial & medical hardship as well.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent a correspondence to LVNV Funding certified mail return receipt requesting that the alleged debt is not mine. Following the paper trail, the certified letter was signed for on XXXX XXXX, 2022. I also noticed that they have no disclosed to the consumer reporting agency that an Account is in dispute or even deleting the account until a reasonable investigation has been performed. LVNV Funding is in clear violation for not disclosing account in dispute on a consumers file once a consumer identifies inaccurate/unverified information on their consumer reports. I have enclosed a copy of the certified mail return receipt where you can clearly see that it was signed XXXX ( XXXX ) weeks ago. They have not notified me nor notify the credit reporting agencies of this unverified account.
Company Response:
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing today because I am shocked on how poor attention and lack of investigation XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : LVNV FUNDING LLC Account Number XXXX The first error date of activity XXXX is reporting XX/XX/2021 and XXXX is reporting XX/XX/2021. The second error account status XXXX is reporting closed and XXXX is reporting open. The third error payment status XXXX is reporting payment status as collection/ charge off and XXXX is reporting Late 120 days. The fourth error is last payment XXXX is not reporting a last payment and XXXX is reporting last payment XX/XX/2021. I have sent numerous letters to XXXX and XXXX they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A