Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 29108
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On or about XX/XX/XXXX I charged gasoline at a XXXX XXXX on XXXX XXXX and XXXX. At that time, my card was evidently recorded without my knowledge and subsequent charges were made on XXXX between XXXX and XXXX at multiple locations. Upon receipt of my XXXX statement, I informed them of the fraudlent charges and cancelled my card. I believed the matter was solved, but I have subsequently received serveral calls and emails from initially, XXXX XXXX. After explaining the situration, I thought the matter was resolved. Recently, I had an email exchange from LVNV Funding LLC regarding the same charge which was {$1200.00}. After I explained ( again ) the fraudlent charge, I thought the matter was resolved. Yesterday I noticed on my XXXX credit report a collection was filed on XX/XX/XXXX. I state again, this is not my charge and it should be removed from my accounts
Company Response:
State: CA
Zip: 95616
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding LLC has not provide me with the information requested and is currently reporting inaccurate information on my XXXX and XXXX XXXX consumer report which is hindering me from obtaining credit.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Received a call from the collector and was asked to verify my information. Instead of me providing my information to verify the debt, my name, the originating creditor, my date of birth, my previous address and the last four of my social was read to me to verify my information. With a handful of previous numbers I have had over the years, I can not understand for the life of me why a debt collector would call and read off my information and ask me to verify said information. Previous numbers that I no longer have will have had the same process, so my personal information has been leaked to who knows how many people. The first agent hung up on me. I immediately called back to have all of the same information read back to me a 2nd time without me providing it. I asked to be transferred to a supervisor who proceeded to tell me that is their process and that's the way they do business and was then hung up on by the supervisor. That debt was disputed through XXXX credit reporting agency on XX/XX/2022 under the category of identity theft to start with and now I have this collector reading my information of to who ever they have called in an attempt to collect the debt. I know exactly who the person is who opened up that account in my name and after speaking with her, can verify that she has not received a call from the collector. That person is my wife, we have been separated for some time now and we have been assessing and rearranging all of our debts collaboratively in order to have our lives separated outside of court orders and lawyers so that when we file for divorce we are not wasting time or money so we that we may move on and proceed with our lives.
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To whom it may concern LVNV FUNDING LLC you are in violation of the FDCPA you are in violation of my consumer protection rights as a federal protected consumer remove this account that you have on a consumer from all three major credit bureaus immediately XXXX, XXXX, XXXX Pursuant to 15 U.S. Code 1692a Definitions The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. LVNV FUNDING LLC are debt collector pursuant to federal law. . Pursuant to 15 U.S. Code 1692e.Falseor misleading representation A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) the character, amount, or legal status of any debt ; or If it is a debt LVNV FUNDING LLC that is owed like you ( allege ) all charges you say I owe should be shown in the negative. This will be a False or misleading representation and this is violation Under FEDERAL LAW. Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication 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 I am CEASE and DESIST all further communication with you LVNV FUNDING LLC remove this account on the consumer from all three major credit bureaus immediately from XXXX, XXXX, XXXX. LVNV FUNDING LLC bureaus are use as a medium for communication so remove this account immediately. 18U.S.Code8-Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . Anything that is alleges owe is obligation of the UNITED STATES LVNV FUNDING LLC 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; LVNV FUNDING LLC me my check for violating my consumer protection rights and for the actual damages you cause me and my family. Invoice will be sent for {$100000.00} to your corporation.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC is violating my consumer rights and has committed an act of aggravated Idenity theft. LVNV FUNDING LLC has obtained my private Information under false prenses and without lawful authority. There is an account reporting on my consumer with an alleged debt that I do not owe. I will attach my complete cease and desist letter that I have sent certified mail.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This case involves alleged debt i Received a letter from RESURGENT stating I owe XXXX. I requested RESURGENT show me the legal right they have to collect. I would like to see a contract documentary evidence stating this is my debt. With my signature and validation I would also like to know who gave RESURGENT my address and jurisdiction on this alleged debt. I am also requesting certified copies of signature contract between RESURGENT and XXXX XXXX, ( me ) if this information is not complete and provided this information should be closed zeroed out and updated in good standing. RESURGENT violated my consumer rights by stated I owed debt the law below states Im not responsible for alleged debt. I provided exhibits stated I owed nothing validating this debt. I dispute this alleged debt and all claims in accordance of 16 CFR 433.2 title 15 USC 1692, Regilatikns Z Regulations M and ALL applicable UCC Articles. Tracking number XXXX
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Keep getting calls and emails from this company saying I owe XXXX I have never received anything in mail about this debt I dont owe that debt and I want them stop harassing me and they also call from a number XXXX saying they have claims against and I need to call XXXX immediately before action is taken they call my home phone which my husband is XXXX and it upsets him and he gets nervous which isnt good I want this stop and I will not pay something I dont owe The emails have a XXXX XXXX name on it and I dont know him or never had dealings with this company I want them to stop now
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A