Date Received: 2022-03-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV funding/Resurgent 3rd party collection agency never contacted me. I found out through checking my own credit report they posted to all three bureaus regarding a " bill '' showing I owed {$960.00} and it is in collection status. I disputed with this company as well as all 3 credit bureaus with negative results. I re disputed with the credit bureaus and now they ignore my disputes closing them within 12 hours. LVNV/Resurgent placed fake payments on this account on my credit report which I never made. They also never reported any information such as the " date of last payment '' plus many more empty spots on this acct. When I tried to validate this collection with LVNV/Resurgent they did not contact me on all occasions even when I had mailed through return receipt requested. They noted that I " opened '' this account XX/XX/2020. This is simply not true. I am on the verge of taking them to court. They never sent me anything and yet they file inaccurate and incorrect information on my credit report. Isn't this illegal? I was also advised by my attorney that the 'date of last payment '' as well as all the account details should be on the report legally and if it is not, this account must be deleted. They continue to ruin my credit reputation, re ageing this account and deceive the credit bureaus. I am sure they have done this to other people as well. Their practices are so dishonest. They could never validate this debt or tell me any information about it. They also refused to contact me after numerous letters and phone calls which I know they received because I certified the mail. They also go by several different names and I have contacted all of them. They need to stop these illegal practices. If this is true information then please validate with accurate names dates etc... Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93292
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: There's alot of inquiries on my report saying what I applied for as it has it XXXX or XXXX XXXX why would I apply XXXX times around the same amount of time it's wrong and I see a phone number XXXX area code I never had a number with that area code so some of those things are wrong why would I apply for credit in the same card within XXXX weeks or XXXX months or so and those loans u never had them check my credit .atbw XXXX of them and maybe somehow they all got my information and started getting me inquiries and the reason I wansnt paying my credit cards as I was in the beginning is due to covid and loss of job no income at all no unemployment nothing at all I get no income and they keep knocking my credit lower buy ita Vue to the COVID and hard to get a job and the XXXX XXXX XXXX they sold my file or something like that now someone else has my information not credit one no more that's giving my identity away to someone else when I never got a credit card from. Then but there askr me for paymenta
Company Response:
State: CA
Zip: 93212
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/22 called collection for a cease and decease oral form of communication and by all mediums including my credit report. XX/XX/22 received a letter from collection saying until debt is paid they will continue to report information to my consumer report. I asked if they can provide me a signature saying that I owe the debt and was told they don't have the original instrument providing me my entitlement to the indebtedness,
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've never had XXXX XXXX accout. Someone use my information in 2 other accounts also
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: The debt was owed to XXXX XXXX Bank. XXXX XXXX sent me emails on behalf of XXXX that was said working for XXXX XXXX Bank I told him what monthly payments I could afford in XXXX He and XXXX said it wasn't enough The Credit card from XXXX XXXX Bank had a limit and maybe insurance I CAN'T RECALL IF THE CARD HAD INSURANCE.. After I talked with XXXX XXXX Bank in XXXX telling them XXXX XXXX said XXXX wouldn't accept payments at the amount I offered XXXX XXXX Bank said there was still time to pay them and I cam send them that amount. I told them XXXX XXXX and XXXX won't accept those payments.. I am rather sure I gave XXXX XXXX Bank my new address.. I had moved in XXXX I filed my taxes at my addresses in XXXX and XXXX I filed qnd obtained other credit cards VISA CREDIT CARDS I UPDATED MY ADDRESS WITH MY REGULAR LOCAL BANK that bank I had before XXXX and it's the same Bank I had when MY XXXX XXXX Bank card was XXXX I have a screen shot of the email of my offer to XXXX XXXX ( for XXXX ) XXXX and XXXX XXXX representing LVNV FUNDING LLC https : //www.stengerlaw.com/ filed a summons for my appearance I was told in that paperwork to tell XXXX and XXXX XXXX the XXXX XXXX XXXX the filed the court case was correct or not.. Case # XXXXXXXX XXXX XXXX Judicial court..being that it was my old address I did not receive that address quickly I did receive it before court I did call and message XXXX and XXXX... I don't know if it's illegal that MY DRIVERS LICENSE SHOWS MY CURRENT ADDRESS MY VOTER 'S REGISTRATION SHOWS MY CURRENT ADDRESS -- -- -- -- -- -- -- - SO I MESSAGED XXXX AND XXXX TODAY I MESSAGED THEM VIA XXXX WEBSITE THEIR WEBSITE REFUSES TO LET ME SEND SCREEN SHOTS OF EMAILS I WILL HAVE TO FAX THE EMAILS XXXX XXXX SENT AND THE EMAILS I SENT XXXX XXXX AND XXXX -- I have informed XXXX XXXX Bank XXXX that according to XXXX, XXXX XXXX, and your lawfirm. Out of all XXXX of you. YOUR FIRM said to a court you don't have my correct address. I told XXXX your Firm said you don't have my correct address The Default Judgment CASE # XXXXXXX XXXX XXXX XXXX XXXX XXXXXXX I have sent XXXX XXXX ( FROM XXXX ) a screen shot of the payment I offered AND ITS DATE... IT WAS AN EMAIL I SCREEN SHOTTED AND EMAILED HIM AN HOUR AGO.. that email was in XXXX I called XXXX XXXX Bank after talking to XXXX and XXXX XXXX in XXXX Do you think I gave XXXX XXXX Bank my current address..? Of course I did IN XXXX Plus my credit report was up to date with Visa and banks showing my correct address ON MY CREDIT REPORT Do you think a higher court will belive out of all XXXX of you none are computer savvy enough to know how to find my correct address? Do you think jurors will belive a debt collector CAN NOT FIND THE NEW ADDRESSES OF THOSE THAT OWE THEM? WHY GO IN TO BUYING DEBT FOR XXXX THAT SEEMS LIKE IT WOULD FAIL INVESTORS- DO YOU TELL INVESTORS YOU DONT SPEND A SINGLE XXXX TO FIND NEW ADDRESSES OF THOSE WHOS DEBT YOU ARE BUYING??? I WILL TELL YOUR INVESTORS YOU HAVE NO WAY TO FIND THEIR NEW ADDRESSES AND SO CAN THAT COURT YOU LIED TO THAT A DEBT COLLECTOR IS NOT COMPUTER SAVVY YET TAKES PEOPLE TO COURT ONLINE? YOU TELL YOUR INVESTORS YOU SPENT NO TIME TRAINING TO FIND THOSE THAT OWE I THINK THATS A LIE I shared my current address online on my XXXX ACCOUNT IN PERSONAL INFO LAST YEAR XXXX XXXX MESSAGED ME AT XXXX I HAVE HIS EMAIL XXXX XXXX BANK APP HAD XXXX STAR REVIEW FROM ME UNTIL YOUR FIRM DID THAT IN COURT your firm proved what the proved... Yet might might VISA- XXXX XXXX BANK say they were already told by me I wanted to make payments on the phone.. I was already making payments to other credit cards a simple credit check would show that. I informed XXXX Play that THEY MAKE APPS ABIDE BY XXXX XXXX that means APPS are not to steal OR CHEAT their customers... Do you think the court 's that represent investors or share holders that loss money due to banking fraud or lawyers that manipulate AND DECIEVE REPRESENTS CREDIT XXXX BANK... Your law firm wants people to believe that and no APPS from XXXX Play to run credit reports and check for new addresses YET YOUR FIRM WOULD NEVER BE ABLE TO COLLECT FOR CHILD SUPPORT PAYMENT OR FIND THOSE THAT OWE... What your firm has done is very deceitful.. I will have to share XXXX XXXX 's message with other to find out if there is a way to take that to a higher court. You said my address was XXXXXXXXX YET IT WAS XXXX after your firm did that another firm tried that to send a summons to the wrong address.. I sent a screenshot showing in an email they sent it has my correct address listed with debt.. Do you want a screen shot of their website the next day stating my balance is XXXX dollars. Do you think that's a way to admit WHAT YOU DID IS GOING TO COST YOU.. BECAUSE THE OTHER COLLECTOR TRIED THE SAME TACTIC YOUR DIRM TROED ONLINE THE VERY NECT MONTH YOUR FIRM POSTED THAT JUDGEMENT QND SHARED ITS TACTICS ON HOW TO DO THAT... WHAT WAS DIFFERENT WITH THE OTHER VISA DEBT COLLECTOR? I GUESS NOTHING... EXCEPT THEY ARE LESS DISHONEST AND DIDNT WANT TO DEFRAUD THE COURTS I TOLD THE OTHER XXXX I'LL PAY THEM... YET THEIR RESPONS WAS A XXXX DEBT ON XXXX XXXX WHY DID YOU WIN???? DID YOU?? DID XXXX WIN ANY MONEY??? CAN XXXX DO WHAT YOUR FIRM DID??? DOES YOUR FIRM USE XXXX APPS TO CHECK CREDIT REPORTS AND ADDRESSES?? ARE THEY NOT GOING TO ABIDE BY XXXX XXXX XXXX HOW APPS LINK UP WITH ADDRESSES IS MY ADDRESS NOT ON XXXX IS MY CURRENT # NOT ON XXXX YET YOU COLLECT DEBT XXXX XXXX CHECK ONLINE APPS LIKE XXXX have informed Credit XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX lawfirm. Out of all XXXX of you. YOUR FIRM said to a court you don't have my correct address. I told XXXX your Firm said you don't have my correct address The Default Judgment CASE # XXXXXXXX XXXX XXXX XXXX XXXX XX XXXX I have sent XXXX XXXX ( FROM XXXX ) a screen shot of the payment I offered AND ITS DATE... IT WAS AN EMAIL I SCREEN SHOTTED AND EMAILED HIM AN HOUR AGO.. that email was in XXXX I called XXXX XXXX Bank after talking to XXXX and XXXX XXXX in XXXX Do you think I gave XXXX XXXX Bank my current address..? Of course I did IN XXXX Plus my credit report was up to date with Visa and banks showing my correct address ON MY CREDIT REPORT Do you think a higher court will belive out of all XXXX of you none are computer savvy enough to know how to find my correct address? Do you think jurors will belive a debt collector CAN NOT FIND THE NEW ADDRESSES OF THOSE THAT OWE THEM? WHY GO IN TO BUYING DEBT FOR XXXX THAT SEEMS LIKE IT WOULD FAIL INVESTORS- DO YOU TELL INVESTORS YOU DONT SPEND Q SINGLE XXXX TO FIND NEW ADDRESSES OF THOSE WHOS DEBT YOU ARE BUYING??? I WILL TELL YOUR INVESTORS YOU HAVE NO WAY TO FIND THEIR NEW ADDRESSES AND SO CAN THAT COURT YOU LIED TO THAT A DEBT COLLECTOR IS NOT COMPUTER SAVVY YET TAKES PEOPLE TO COURT ONLINE? YOU TELL YOUR INVESTORS YOU SPENT NO TIME TRAINING TO FIND THOSE THAT OWE I THINK THATS A LIE I shared my current address online on my XXXX ACCOUNT IN PERSONAL INFO LAST YEAR XXXX XXXX MESSAGED ME AT XXXX I HAVE HIS EMAILS XXXX XXXX BANK APP HAD XXXX STAR REVIEW FROM ME UNTIL YOUR FIRM DID THAT IN COURT your firm proved what the proved... Yet might might VISA- XXXX XXXXXXXX BANK say they were already told by me I wanted to make payments on the phone.. I was already making payments to other credit cards a simple credit check would show that. I informed XXXX Play that THEY MAKE APPS ABIDE BY XXXX XXXX that means APPS are not to steal OR CHEAT their customers... Do you think the court 's that represent investors or share holders that loss money due to banking fraud or lawyers that manipulate AND DECIEVE REPRESENTS XXXX XXXX BANK... Your law firm wants people to believe that and no APPS from XXXX Play to run credit reports and check for new addresses YET YOUR FIRM WOULD NEVER BE ABLE TO COLLECT FOR CHILD SUPPORT PAYMENT OR FIND THOSE THAT OWE... What your firm has done is very deceitful.. I will have to share XXXX XXXX 's message with other to find out if there is a way to take that to a higher court. You said my address was XXXXXXXXXXX YET IT WAS XXXX after your firm did that another firm tried that to send a summons to the wrong address.. I sent a screenshot showing in an email they sent it has my correct address listed with debt.. Do you want a screen shot of their website the next day stating my balance is XXXX dollars. Do you think that's a way to admit WHAT YOU DID IS GOING TO COST YOU.. BECAUSE THE OTHER COLLECTOR TRIED THE SAME TACTIC YOUR DIRM TROED ONLINE THE VERY NEXT MONTH YOUR FIRM POSTED THAT JUDGEMENT AND SHARED ITS TACTICS ON HOW TO DO THAT... WHAT WAS DIFFERENT WITH THE OTHER VISA DEBT COLLECTOR? I GUESS NOTHING... EXCEPT THEY ARE LESS DISHONEST AND DIDNT WANT TO DEFRAUD THE COURTS I TOLD THE OTHER XXXX I'LL PAY THEM... YET THEIR RESPONS WAS A XXXX DEBT ON XXXX XXXX WHY DID YOU WIN???? DID YOU?? DID XXXX WIN ANY MONEY??? CAN XXXX DO WHAT YOUR FIRM DID??? DOES YOUR FIRM USE XXXX APPS TO CHECK CREDIT REPORTS AND ADDRESSES?? ARE THEY NOT GOING TO ABIDE BY XXXX XXXX XXXX HOW APPS LINK UP WITH ADDRESSES IS MY ADDRESS NOT ON XXXX IS MY CURRENT # NOT ON XXXX YET YOU COLLECT DEBT AND DONT CHECK ONLINE APPS LIKE XXXX
Company Response:
State: KY
Zip: 407XX
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit act.the following accounts have violated my nrights. 1 ) XXXX XXXX XXXX account # XXXX XXXX ) lvnv funding account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy. 15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions. 15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had my identity compromised, LNVN collection agency would not hear me after I told them the debt was not mine. Filed an identity theft report with the police and FTC. They continued to call and harass me and threaten me. They called my job told my boss and coworkers about the debt that wasn't mine. Threatened my XXXX mother by phone that lives two hours from me. And have put a judgement on me and won't stop after I filed everything out for them to prove it wasn't my debt. I'm tired this has been going on for two years! I've had to change my number and my mothers.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Back in XX/XX/XXXX, it was brought to my attention that I had a collection on my credit report to XXXX XXXXXXXX XXXX in the amount of {$610.00}. I contacted the company and informed them I had never applied for this card and that the charges did not belong to me. I requested a copy of support of me applying for the card and informed them that I wanted to file a " Dispute '' with the company. I was under the understanding that this collection was resolved. Now currently in XXXX that collection is still on my credit report and does not reflect a dispute being filed. I want this resolved and removed from my credit report since it is not mine and the company has failed to provide me support that I applied or authorized this account. Kind Regards
Company Response:
State: CA
Zip: 95531
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with LVNV Funding LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving LVNV Funding LLC any right to collect on this alleged debt. It is in my belief that LVNV Funding LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from LVNV Funding LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS IS A CONTINUATION FROM CASE NUMBER XXXX, I KNOW THEY FOLLOWED UP ABOUT DELETING THIS ACCOUNT THAT WAS FURNISHED INACCURATELY, WHICH THEY DID REMOVE THIS ACCOUNT. I AM SEEKING MONETARY DAMAGES BECAUSE AT THE TIME IT BEING FURNISHED I APPLIED FOR CREDIT AND I WAS DENIED BECAUSE OF THIS BEING FURNISHED ON MY REPORT. I AM SEEKING MONETARY DAMAGES AS SOON AS POSSIBLE.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A