Date Received: 2021-07-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I applied For this credit card to use to improve my credit score. I rcvd 2 credit cards and had not used either prior to being XXXX at a XXXX XXXX for 5 days. ( this was the first time I have ever been in trouble like this and it was due to my son missing too many days of School bc he was being bullied, I am not a XXXX or someone who breaks laws EVER ). While I was XXXX both of these cards were maxed out. I did not use them and It was impossible that I could have being where I was, I had no way of using them even if I wanted too. The other company understood and to Care of it for me, dissolving the debt. But, this company refuses to listen to me or the XXXX of this into consideration. I have edge reached out several times, including immediately after I was released and found out about the charges. I don't know what more I can do. I have always paid my debts, never had to dispute charges either. I should not be held responsible for charges i did not make, it was impossible for me to make. From what I found on the statement it looked like all the charges were made online for services? But I'm not entirely sure, the aren't my charges so I really don't know any more then what the statement provided me, which wasn't much.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX # XXXX debt has been paid in full directly to XXXX XXXX and it still has not been removed from the 3 Credit Bureaus.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want them to be remove. 1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 2. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Inconsistent AND incorrect contact information provided to CRA 's for : RESURGENT CAPITAL SERVICES, as follows : wrong address provided by creditor ( address verified by USPS certified mail ( receipt attached ) ) Issue 1 : ( WRONG ) Address shown on XXXX XXXX Credit Report : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( CORRECT ) USPS verified address : C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Issue 2 : variance in contact address/POC information for reporting XXXX reports the following contact information for CACH , LLC : Contact CACH , LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX reports the following contact information for CACH , LLC CACH LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( INCORRECT ZIP CODE PROVIDED ) ( XXXX ) XXXX XXXX reports the following contact information for CACH, LLC/RESURGENT CAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2021 I entered into an agreement with XXXX resurgent to settle a debt from the creditor, XXXX XXXX. I entered an arrangement to pay {$310.00} a month for four months. ( XXXX XXXX, 2021 XXXX however, in XXXX I could not make the payment, I asked the XXXX resurgent if I could resume payment in XXXX. They said no. They said that I would have to set a new settlement and payment arrangement. They told me in order to do this that I would have to pay {$50.00}. I paid the {$50.00}. The agent called me back to set up a new settlement a few weeks later. However, the company went ahead ant took {$310.00} out of my account during the month of XXXX, 2021. This was after they told me that my settlement agreement was voided due to the XXXX missed payment. Also, when they called for a new settlement, they did not factor in any of the payments that had been made. They attempted to reach a settlement for the original amount from XXXX XXXX. And not the four payments of {$310.00}. 22
Company Response:
State: CA
Zip: 94704
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Affidavit of Truth Be it known to all that I, XXXX XXXX, am in fact the consumer, natural person, original creditor, lender, executor, and administrator. I am not a citizen nor person as defined in commercial statutes. I, XXXX XXXX, am created by God alone and subject only to my creator. Whereas, I of age, of majority, give the here in notice to all, I make solemn oath to the one and only most high of creation only ; whoever that maybe, and I depose the following facts ; so be it, now present ; Fact, The Fair Credit Reporting Act is intended to protect consumers against the reporting inaccurate information that is harmful and irrelevant to the consumer and the reported information is inaccurate, harmful, and irrelevant to me as a consumer. Fact, The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. Fact, pursuant to 15 USC 1692 ( g ) no debt collector or court can validate any debt only the consumer, so the debt collectors and consumer reporting agencies are in violation when they tell me, the consumer, that the alleged debts are valid. Fact, the consumer reporting agency admits to not being present at the alleged time of the documentary evidence therefore any copies that they may present is heresy. Fact, entities can not create debt nor extend credit therefore they can not lend as said so by congress under Title 12 so debt collectors can not be the original creditor as claimed by the consumer reporting agencies. I, XXXX XXXX am in fact the consumer, natural person, and original creditor. Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of the alleged accounts by the debt collectors and consumer reporting agencies contains information that contributes to the alleged experiences and transactions between I, the consumer and the alleged creditors. Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of the alleged accounts by the debt collectors and consumer reporting agencies violates this. Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. Fact, nowhere in federal law is it written that a debt collectors or consumer reporting agencies must report any information to a consumer report regarding a consumer except under the written instructions of the consumer and I, XXXX XXXX am in fact the consumer and did not give any consumer reporting agency written instructions to report any information to any consumer report. Fact, an Affidavit that is uncontested, unrebutted, and unanswered stands as truth and the unrebutted Affidavit becomes the judgement in commerce. Unless this Affidavit is contested or rebutted, the alleged accounts reported by debt collectors and consumer reporting agencies must be removed from any consumer report [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ] Fact, I am sure that the removal of the following alleged account LVNV FUNDING 12 ( XXXX XXXX XXXX ) from the credit reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again, and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this LVNV FUNDING was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXLVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV is trying to collect a debt for an account I've never had. I've never used a credit one bank. This is fraud, LVNV lies and threatens to damage my credit. They won't provide the proof or the original application. They have the wrong info. They also won't provide that they are able to even collect in my state of texas. XXXX Report # : XXXX LVNV Accounts : XXXX, XXXX
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A