Date Received: 2022-03-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've sent three certified debt validation letters to this company RESURGENT/ LVNV FUNDING, LLC and to no avail did not recieve a response in regards to this alleged debt on my credit profile. Therefore, I have no choice but to file a CFPB complaint as they have failed to due their due diligence in regards to this matter. Not only that. I was not notified of this debt from thier company and/or oppurtunity to debunk said alleged debt. I've attached the most recent certified letter that was sent to this debt collection company.
Company Response:
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Noticed a new collection account from LVNV on my credit report. I hadnt received a notice from anyone regarding LVNV. This was XX/XX/XXXX. Finally on XX/XX/XXXX, I received a letter from a company called XXXX XXXX XXXX XXXX XXXX XXXX in my former/married name regarding the information about LVNV. Original creditor was XXXX XXXX and a dollar amount listed. I submitted a dispute letter to XXXX XXXX XXXX on XX/XX/XXXX using the CFPB recommend dispute letter. I requested everything such as a copy of the last statement from XXXX to save myself time and money since I am a first responder in this fight against Covid. I waited and waited for a response letter from XXXX XXXX XXXX but I never received a response. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX regarding the same information addressed in my former name and stating they were collecting a debt on behalf of LVNV. Original creditor was XXXX XXXX. Again on XX/XX/XXXX I sent a dispute letter in the same format asking all the same questions to save time to XXXX XXXX Credit Bureau. At this point I felt that LVNV was playing a game and wanting to waste my time. Harassment/Bullying would be more of a true statement. During the process timeframe waiting for a response from XXXX XXXX XXXX I became Ill with XXXX XXXX variant. After regaining my health I had a letter from a company called XXXX XXXX XXXX. The date on the letter is XX/XX/XXXX but theres never a postmark date so I honestly can not tell you the date it arrived to my actual address. This was the response letter to my dispute letter and I was totally upset after reading this letter. It didnt tell me anything I didnt already know. Everything I have done regarding the CFPb instructions landed me in the same predicament with no answers to the dispute letter I sent to XXXX XXXX XXXX. I requested a statement for validation then they asked if I would send them the information. It was too late to respond because the timeframe had passed me by when I was so ill. I had to cool off before I sent this complaint to your office and I wanted to know more about LVNV. I counted over 5000 complaints on your website many with my same situation. I read a letter in the XXXX XXXX regarding the owner bragging how much money his collection companies have made during the Covid Pandemic. This is not right during Covid he kicks consumers when they are struggling with their health, finances, unemployment or even during death. I have been in the frontline and its not fun and I have lost many friends and family members. This is injustice that a debt collection company can and has gotten by with their tactics. Not one lawsuit from FTC or CFPB. I called XXXX on XX/XX/XXXX after speaking to 3 individuals XXXX was able to help me. She tried to find my account but it was almost 4 years old and she looked it up by the address, phone number while I was living at the address, my SS # and account number. Theres not a record showing I owe money nor do I have a charge off account. XXXX works in the financial department and the phone number I called is XXXX time of call was XXXX pm. I also called CFPB and spoke at length with a nice gentleman who kept telling me to file a lawsuit. I will not file a lawsuit we have too much trouble with those issues as it is and it is your responsibility to hold the debt collectors accountable. If not during Covid I would not feel so insistent to request you investigate my complaint and look at all the other complaints in more detail especially the timeframe regarding XXXX XXXX XXXXLVNV. Bragging in an article about collecting money for 3rd party debt during a pandemic is not kosher. Its inhumane. Preying on the sick unemployed and those family members who may have passed. I will have all my details attached and I apologize for my rant but I am caregiver and I will protect those who have been treated unfairly as I have. Please note all of these correspondence letters are prior to the effective date of the new ruling regarding 3rd party debt collectors. Covid rules should apply due to dishonesty on this companys part. There should not even be favoritism. Company failed to : 1. Did not Wait before reporting to credit reporting agency XX/XX/XXXX report date XXXX. XXXX XXXX XXXX did not respond to my dispute letter. XXXX. Dispute response letter received but information was already established and the letter was completed by XXXX XXXX not XXXX XXXX XXXX which is deceptive practice. Company did not verify account was mine nor did they supply evidence of proof. XXXX. I spoke to XXXX who verified there is not a balance owed or a change off account. XXXX. Deceptive practices during XXXX. Please review my complaint with care. I appreciate your help with this matter Reference ID : XXXX Resurgent Capital for LVNV Funding LLC
Company Response:
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a current complaint against XXXX XXXX with Cach LLC now they are sending me a letter about the debt collection with a new company trying to collect a debt that does not belong to me. I believe this is a fraud attempt and request an investigation and release of complete information. The new company being used is XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX692f ( 1 ) adding additional amounts.
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While checking my credit report, I notice an account from LVNV Funding LLC, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to XXXX and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that LVNV Funding LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This started sometime last year with a phone call and leaving voice mal messages for me to call them back regarding this debt. Then it escalated to sending out a letter asking me to acknowledge the debt. I called the company on Wednesday, XX/XX/XXXX and spoke to a representative and told them I do NOT know about this account and I will NOT back a debt that I wasn't familiar with and very very old. The rep had no clue on how to address the matter. They tell you to call, write or email them about the debt. When I called the rep wasn't helpful at all. I told her that I wouldn't pay and that we can go the court. I also went on to explain that I would send something in writing regarding this debt and that's exactly what I did about 2 and half weeks ago. I sent them a letter telling explaining that I wasn't responsible for this account and that I would not own the debt. I also once again, told them that I would like to go to court and handle this matter but until then, I would not pay a cent. I received another letter on Wednesday, XX/XX/XXXX regarding the same matter, after I sent a letter. I did not open a checking account, savings account or credit card with this company back in XXXX. I will not be responsible for this debt and would like to proceed legally if I have to. The first letter I received from them did threaten to take actions on my funds it I didn't pay or could ruin my credit. I'm sick and tired of having to make weekly or monthly claims to CFPB or FTC. It's f*ing with my mental health and it's highly stressing me out. Especially when I 1000 % am sure that this is not something I took part in. I don't have no idea what this company is and what is pertains to. Is it a bank for checking/savings? Is it a credit card company? Is it both? They will not share this information with me and I even asked them to. Either they see me in court or leave me the XXXX a lone!
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX amount- {$980.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
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: LVNV FUNDING ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting incorrect information to my credit report. I have reached out to have information corrected but they have failed to update my credit report. -Missing information Account status -Date last active is different and incorrect with XXXX and XXXX. -Last reported have different dates -two year payment history is blank and incorrect.
Company Response:
State: AZ
Zip: 85713
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When I saw the item appeared on my credit report I called XXXX XXXX to enquire why? I was told that this item was related to a computer that was ordered. The employee at XXXX XXXX told me the computer was mailed to an address in XXXX XXXX XXXX XXXX XXXX XXXX Florida. I have no affiliation to that address, neither did I order a computer. I called and wrote the creditor repeatedly asking that they remove this item from my credit report and asked them send me proof that this account was opened by me, but they refuse to respond to my request. I did not authorize this account, neither have I ever personally ordered any item from XXXX XXXX.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A