Date Received: 2022-01-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: LVNV dba Resurgent Capital Services has continued to call my employer my cell number every day threatening me jail time law suits and bullying tactics to collect a charge off for {$1200.00}. I tried to negotiate with the debt collector and they said they will not negotiate with me at all. I wish for this debt to be removed from my credit reports per the FCRA for violations of tactics that are unlawful and against the law.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sherman Originator XXXX, LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX RE : Account XXXX Sherman Originator XXXX XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX LVNV Funding, and ( unsure where debt is ) vs. XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The thief ( s ) made fraudulent transactions and opened fraudulent accounts in my name with XXXX XXXX. I have been back and forth with several of XXXX XXXX affiliates, and no one is telling the truth as to where this debt is. Im responding to XXXX XXXX, Resurgent Capital Services, LVNV Fundings replies that Sherman Originator XXXX, LLC, an affiliate of all the above entities, owns this debt as of XX/XX/XXXX. I request proper validation, and I want to make a deal for the paid in full removal of this fraudulent debt as shown below so long as this debt is validated to be owned by Sherman Originator XXXX, LLC. Please note that I never opened or used this account, and I request a FAIR payment for removal. I have asked everyone where this debt is, and the last one to be named was on 6/10/2021, Sherman Originator XXXX, LLC. However, the phone number and later I found the address provided are for Resurgent Capital Services XXXX. With this in mind, Resurgent Capital Services stated that they no longer have this debt. If this debt is NOT with Sherman Originator XXXX, LLC, then who did they sell it to? I need to know to inquire further. Sherman Originator XXXX, LLC Please provide all records relating to the fraudulent transaction/account, including : Application records or screen prints of internet/phone applications ( I request all since I did not open this account ) Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address.
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2022 I received a wage garnishment letter from my employer. I was shocked because I never received neither a court order nor notification ( making me aware LVNV is seeking judgment for a debt owed ) about a lawsuit from LVNV. Therefore, LVNV has illegally filed a lawsuit against me in order to receive money for a debt. I don't know the original creditor nor can I produce an account number for this debt. This is unfair and illegal. LVNV should be embarrassed to take such drastic measured during a worldwide pandemic that caused me financial burden and COVID-19 causing many to quarantine meaning wage loss because COVID-19 Relief came to a haunt last year. So why illegally sue me. Many people are XXXX and some are XXXX ill.
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted both credit Bureau and company reporting fraudulent accounts on my report i filed police report multiple times i disputed information and also notice this is effecting my credit negatively on two ways not only are the accounts fraudulent they are reporting closed accounts as open and thats a valuation also in its self i demand that it be removed pending a proper investigation and original documents and signature be provided. Lvnv funding llc and cache llc/ resurgent corp collection agencies both ignore my complaints and abuse and violate my rights and has not been held accountable after being informed of this fraudulent reporting. I ask that the accounts be remove immediately.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted both credit Bureau and company reporting fraudulent accounts on my report i filed police report multiple times i disputed information and also notice this is effecting my credit negatively on two ways not only are the accounts fraudulent they are reporting closed accounts as open and thats a valuation also in its self i demand that it be removed pending a proper investigation and original documents and signature be provided. Lvnv funding llc and cache llc/ resurgent corp collection agencies both ignore my complaints and abuse and violate my rights and has not been held accountable after being informed of this fraudulent reporting. I ask that the accounts be remove immediately.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
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 1692f ( 1 ) adding additional amounts.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
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 1692f ( 1 ) adding additional amounts.
Company Response:
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I would like XXXX XXXX XXXX XXXX XXXX debit that was purchased by LVNV FUNDING LLC supress since the correct amount is not reflected on the statement that should be owed. In XXXX and contacted XXXX XXXX XXXX directly to request to close my account and I was denied to close the account. I immediately stopped utilizing the credit card when it reached {$450.00} of its credit card limit and informed the company I no longer wanted an account. They insisted on keeping my account open although I told them I was unable to maintain my account at that time. In XXXX LVNV requested an immediate payment of {$1300.00} for outstanding credit charges. However, my credit limit on the card was {$450.00}. I contacted XXXX and informed them that I was willing to pay what used on the card but I refuse to pay an incorrect statement amount since I did contact XXXX XXXX to request to close my account but they refused. I would like for this debit to be removed since it is more than XXXX XXXX XXXX.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: LVNV Funding LLC, filed a lawsuit against me on XX/XX/XXXX, alleging I owed them a debt from an unpaid a credit card in violation 15USC1692b ( 4 ). Unaware of the extent of my consumer rights, and new to learning consumer law, I submitted my answer and in-turn LVNV filed a motion to surpress my answer with out prejudice on XX/XX/XXXX. I filed an answer in opposition to their motion, ( see attached ) : XXXX. ) I am federally protected consumer under XXXX XXXX XXXX XXXX and they are violating my privacy rights, XXXX. ) They provided no laws stating I a legally required to pay this alleged debt to them, XXXX. ) The LVNV was not present for this consumer credit transaction and can not say I owe this debt pursuant to 15 USC 1692b. It wasn't until XX/XX/XXXX that I received a order for summary judgment dated filed XX/XX/XXXX. Then on XX/XX/XXXX I received the most threatening letter stating, " Failure to comply with this information subpoena may result in my arrest and incarceration violating 15USC1692e ( 4 ) and 15USC1692e ( 7 ), I've received notice dated XX/XX/XXXX of an intent to garnish my wages which is in violation of privacy rights under 15usc6801 as I have not give this third party permission to access my employer records. I have also not contracted with this third party, so they do not have permission to access any of my account information with a creditor. They are in direct violation of 15USC1692c ( b ) Pursuant to 15USC1692g ( c ), the consumers failure to respond is not an admission of guilt. I am in dispute of this debt, and I am refusing to pay this debt to LVNV.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: LVNV Funding has a XXXX XXXX account they are contacting me about. I previously had a payment arrangement set up with them, but have since stopped it. When I made contact with LVNV Funding on/around XX/XX/21, I asked them to cease telephone contact with me. Instead, they placed it with another company called XXXX XXXX and they continue to harass me via phone contact. Due to violations of the FDCPA and the abusive practices LVNV has taken to collect this debt, I request this account be removed from my credit report immediately. I plan to contact XXXX XXXX should we not reach this resolution.
Company Response:
State: SC
Zip: 29640
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A