Date Received: 2021-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please see complaint XXXX that was closed. Please review the response from LVNV funding. It is absolutely false and a lie and I have proof. I have attached the communication with LVNV Funding 's attorney whom I worked personally with in dismissing the case against me for the debt they claim. They have absolutely lied about why the case was dismissed. I also will point out, they provided false statements of an account with their original case for this account filed against me, which is why they clearly stated the documents I attached were not for the account they are collecting for, but those are indeed the statements they provided to the court for this exact case. There is major illegal practices taking place at this company and I plan to seek an attorney to prevent this from happening to other people. Please review all documents from my complaints and you will see, I am not responsible for this account and by them continuing to report and harass me to collect, they are financially abusing me! Please help. If they couldn't get a hold of me to serve me, then why the XXXX do I have all these documents showing my communication and documents proving this isn't my account and communication with their lawyer dropping the case against me??? They lied!!!! If this doesn't get resolved then what is the CFPB for?? I have been fighting this for almost two years now. This is abuse!!!!!!! What more proof can I provide before you stop and look at it and get this off my credit reporting. I can't take it anymore! See the response from Resurgent/LVNV funding XXXX regarding my complaint and the investigation conducted. XXXX if you look at the documents they provided in their own response they have provided account statement for two different accounts!! Pg 47 has statements from one account and pg 51 is a completely different account. It almsot looks as though statements were falsely made. I also have statements submitted to the courts for this account that have my name completely removed from them and only Mr. XXXX listed and another account number listed!! But this is supposedly all for the same debt they are collecting on? That is makes no sense at all.. How they can change statements made from years ago has me very concerned. I feel there should be a deeper investigation done with this company as they seem to be able to generate statements from previous years and edit them to fit their need to get their money. Not one of the statements have the total listed for the amount of debt they are claiming, nor is it itemized as to what the charges are for. I have provided everything you need to see they are lying and that I have already proved with THEIR OWN attorney XXXX this is not my debt. There is already another law suit issued for the debt of this account to the account owner. I never even lived at the address the statements were mailed to, I never even knew about the account. It is your job to investigate this. I have provided everything you need to clearly see they are lying and this isn't my account and the case was dismissed because I proved so, NOT because they couldn't get a hold of me to serve me, they mailed me the XXXX fraud packet for XXXX sake! Thank you and look forward to your response!
Company Response:
State: CA
Zip: 95336
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir/Madam : RE : XXXX XXXX XXXX i/n/o XXXX XXXX ; XXXX XXXX ; card # XXXX. At sometime in XXXX of this year the referenced credit card company closed my account for non-payment, which was partially due to my negligence and isnt relative. What is though is that XXXX placed the account for collection as # XXXX at {$1000.00} in my name. As per the collection concern LVNV LLP ( XXXX ), I owe {$400.00} and change, which I am willing to pay. Please assist me in changing this. My contact information is on my resume, and my email address is XXXX. Eagerly Awaiting Your XXXX, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING, LLC LOCATED AT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1200.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2021-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Notified lvnv funding that debt was not mine and they are still trying to collect i would like the debt removed from all three credit burros and stop all attempts to collect
Company Response:
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Company Response:
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/2020 after pulling my credit reports, I noticed a negative account being reported by the company LVNV Funding LLC in the amount of {$1300.00}. I was not aware of who this company was and have never received any information from them pertaining this account nor had I ever received any notification or documentation from this company informing me that I could dispute this debt or that they would place this information on my 3 credit reports. I reached out to the company LVNV Funding LLC in XX/XX/2020, requesting a validation of debt since I had no knowledge of who this company was and had never conducted any business with LVNV Funding LLC. ( See attachments ). As of today, I have not received the items listed in the letter and the items continue to report on all 3 of my credit reports. The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). Debt collector communication disclosure ; ( I never received it ) Debt collector 's name and mailing address ; Consumer 's name and mailing address ; I ( the debt collector is collecting a debt related to a consumer financial product or service, the name of the creditor to which the debt was owed on the itemization date ; Account number or truncated account number, if any, associated with the debt on the itemization date ; Name of the creditor to which the debt is currently owed ; Current amount of the debt ; Amount of the debt on the itemization date ; Itemization-related information ; ( I never received it ) Information about consumer protections ; ( I never received it ) Consumer-response information ; and ( I never received it Consumer dispute prompts. ( I never received it )
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2021-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services LP, a debt collector, was timely notified within 30 days of attempted debt collection of the dispute in the amount of {$1000.00}. That notification date was XX/XX/XXXX. The issue involves one transaction of {$610.00} in XX/XX/XXXX where XXXX, XXXX never resolved the dispute with the merchant nor the XXXX XXXX. They just added interest and penalties while the matter was still in dispute, bringing the account to {$1000.00}. The account was sequentially sold by XXXXXXXX XXXX to XXXX XXXX XXXX. We stated in our dispute letter to Resurgent Capital Services LP on XX/XX/XXXX that we disputed the original transaction and the charges for interest and penalties that XXXXXXXX XXXX added while the matter was still in dispute. Subsequent to XX/XX/XXXX, Resurgent Capital Services LP has used pseudo debt collection companies like XXXX XXXX and XXXX XXXX XXXX and has also used multiple addresses in their letters. All these related entities were also sent timely written letters within 30 days of attempted debt collection of the disputed amount. Our written responses were sent to all the multiple address that Resurgent Capital Services LP employed in their debt collection letters. We continue to be harassed by the repetitive annoying debt collection form letters from Resurgent Capital services LP and multiple addresses that they have employed, all of which we have timely disputed within 30 days in writing. Our postage has cost {$6.00} for each certified return receipt plus our time and effort to respond to these multiple letters. We consider this ongoing repetitive behavior by Resurgent Capital Services LC harassment, because they have been told multiple times not to contact us again. ( See copies attached of the certified, return receipt written letters for our timely responses. )
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A