Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have written several times to these credit card companies since XXXX in that these charges are fraudulent and that I did not authorize while I was not allowed in my home. IE. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These cards where at a XXXX balance and numerous times I have written and even call the card company on the disputed charges that are now on my Credit Report. Also, I have informed the Credit Bureau of Identity Theft of my information that I have submit to the FTC and the Local Police and now I am receiving threats of inappropriate conduct of collection agencies calling me names and even insulted me by calling me using inappropriate language. The federal Fair Debt Collection Practices Act ( FDCPA ) was enacted to curb these annoying and abusive behaviors, but some debt collectors flout the law. Being threaten that I committed Fraud and that I will be arrested ; this is a violation of this Act. LVNV Funding LLC and XXXX XXXX XXXX are both companies that have called me an threaten me with arrest due to fraud and used inappropriate language towards me. In that they were informed by the Illinois XXXX XXXX that their conduct is a violation of this Act. In that I also filed a complaint against them to the FTC for this action. Numerous times, I have file with the Credit Bureau and with XXXX XXXX, that the Veterans Affairs is responsible for this bill and that the VA had paid the company and still being harassed in a Debt that was the Veteran Affairs Responsibility. In accordance with the Act, this is not to be on my credit report and that its still there after 5 years of frighten with this issue.
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Under the fair crdit reporting act of 1861A in the exclusion sect. ( b ) it specifically states, " Anything extended or authorized from a credit card shall be excluded from my consumer report. A credit card is any card, plate, or coupon book, existing for the purpose of obtaining money, property, or labor services on credit. if this collection isnt removed, you will be civilly reliable for reporting this inaccurate and unautorized information.
Company Response:
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i have been contacted via email and mail making attempts to get me to pay a debt I do not owe. I have asked them several times to provide me with proof of their claim. I have asked them to provide the contract that bears my signature. I asked them to state specifically what services and or goods they provided that warrant me to pay them
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with XXXX Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I open my XXXX XXXX card bank in XXXX they are saying i open in XXXX under the fdcap it is more then 7 years old the account and needs to be removed they have never sent me any proof that the account is from XXXX they have force up date the system to be that date when i contact the debt collector it even plays a message telling me this account is 7 years old and can no longer be collected on i would like it removed from my credit report or i will file a law suit
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have filed numerous disputes with all three major credit bureaus -- XXXX, XXXX and XXXX -- regarding the debt LVNV Funding is claiming I owe to their client, XXXX XXXX Bank. This debt does not belong to me, it is not mine and I have no knowledge of the debt that LVNV Funding has placed on my credit files with each of the credit bureaus. In one instance, LVNV Funding did delete the tradeline from my XXXX credit file ; in another instance, LVNV Funding marked the tradeline as closed on my XXXX credit file but still lists an open and unpaid balance ; finally, LVNV Funding still reports the tradeline as open and in collection status on my XXXX report. I am also unsure if LVNV Funding is a licensed debt collector in Minnesota, so I am concerned that they are collecting a debt for which they may not be licensed to collect in Minnesota. LVNV Funding 's debt reporting and debt dispute processes are unfair, deceptive and dishonest. Between the three different reportings LVNV Funding is supplying to the credit bureaus, their inconsistent responses to my dispute that this debt does not belong to me, and the potential that LVNV Funding is not licensed in Minnesota, I am requesting that LVNV Funding delete this debt immediately from all three credit bureaus. LVNV Funding has damaged my credit and credit scores, along with credit I have been denied, with their unfair, deceptive and dishonest debt collection and debt reporting practices. Based on this, I am demanding that LVNV Funding delete the account from all three of my credit files to which they are reporting.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had previously filed a complaint against Resurgent Capital LP. I was alleging that Resurgent Capital created a fake debt to scam me into paying it. Resurgent replied to my complaints with documents they claimed proved the debt was valid and was mine. The documents resurgent Capital Supplied to validate this debt they claimed came from the original creditor which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX prior to filing the complaint to inquire about the alleged debts.XXXX XXXX XXXX sent me a letter saying they had no knowledge of this debt. I lost that letter so I contacted them again and again requested they supply me with information about this credit card I allegedly applied for, received and used, XXXX XXXX XXXX replied to my request and sent me the enclosed letter. ( see attachment XXXX XXXX XXXX removal ). In this letter XXXX XXXX XXXX themselves verify that I never applied for, received or used this alleged credit card. The account that Resurgent Capital Is claiming that I defaulted on with XXXX XXXX XXXX ends in XXXX. ( See attached Resurgent Reply CFPB, ). XXXX XXXX XXXX themselves have verified that this account ( ending in XXXX ) that Resurgent Capital made up to scam me into paying {$800.00} is not my account. They ( XXXX XXXX XXXX ) have validated my claim that I never applied for, Used or received this fake credit card that Resurgent Capital made up to scam me out of money. Please verify the letter with XXXX XXXX XXXX if you dont believe it is Genuine. I never had a credit card with XXXX XXXX XXXX in 2016. I do currently have a credit card ( Unsecured ) with XXXX XXXX XXXX that is in good standing. I request that Resurgent Capital remove their trade line from my credit report and stop any and all collection efforts against me for this fake debt.
Company Response:
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Paid of Collection account for {$480.00} they agreed to delete and never did XXXX
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: CFPB Case No. XXXX LVNV Funding LLC , d/b/a Resurgent Capital Services L.P., in response to your query on my behalf ( re : your case number annotated above ), agreed to " satisfy the account for {$9100.00}, '' as long as I rendered a payment by XXXX XX/XX/XXXX. In compliance, I submitted the first payment in the amount of {$200.00} ( via direct debit - telephonically ), XXXX XX/XX/XXXX. After the initial payment was made, I authorized the collection agency to make recurring automatic deductions from my bank account in the amount of {$150.00}, on the XXXX of each month ( XXXX 's deduction was in the amount of {$160.00} ). The recurring automatic deductions continued without interruption, through and including, XXXX XX/XX/XXXX, bringing the total amount paid to {$4100.00} I made an additional payment of {$1600.00}, XXXX XX/XX/XXXX, bringing the grand total paid to {$5800.00}. Based on their documented agreement to satisfy the debt for {$9100.00}, less my total payments equating to {$5800.00}, the remaining balance is {$3300.00}. However, the collection agency continues to erroneously report the outstanding amount as {$7400.00}, on my credit reports, and seemingly intentionally refrained from documenting the scheduled payments on one of my credit reports ( XXXX ). Furthermore, every time I telephonically asked the collection agency 's representative why the settlement amount was never documented on my credit reports, nor via any of the " payment received '' e-mail transmittals, I was consistently informed that the settlement amount would only be reflected after the entire amount had been paid. I decided to stop making payments based on my belief that they had no intentions of honoring the initial agreement.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A