Date Received: 2021-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Company Response:
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. I. LVNV/XXXX/Resurgent Capital knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. II. LVNV/XXXX/Resurgent Capital failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. III. LVNV/XXXX/Resurgent Capital communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions LVNV is having on my life and would like a quick resolve.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a copy of my credit report and saw that I was being charged {$640.00} for a debt that has not been validated nor have they ever contacted me regarding the debt I tried calling the agency and got no reasonable response to fix the problem
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against LVNV FUNDING / RESURGENT CAPITALL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I learned inXX/XX/XXXXthat PYOD, LLC had filed a delinquency against me. This company is also known as Resurgent Capital Services. I called the firm and spoke to a XXXX at XXXX. She informed me that an account had been opened in my name with XXXX XXXX XXXX, XXXX. The account was opened in XX/XX/XXXX in the state of Georgia. The amount being reported is {$1500.00}. It was determined in this phone call that the account was not mine and I asked XXXX how I might get this matter resolved. The spelling of the account holder is spelt differently than how I spell my name and I have never resided in Georgia. She informed me that she would be sending a letter to me in the mail that would give me an opportunity to dispute my claim. I received the letter several weeks later, datedXX/XX/XXXX. I quickly called my attorney and asked for his involvement. He and I filled out the forms, signed the forms and notarized the letters disputing the matter. The letter and forms were sent to PYOD, LLC and received on XX/XX/XXXX. I called the company onXX/XX/XXXXand learned the investigation from the firm has not begun and I was told that no timeframe was available. PYOD has been very slow to respond in several situations. I am involved with a purchase of a home. My credit is being adversely effected by over 100 points due to this false claim. The lenders are advising me to get this matter resolved as quickly as possible as the damages will be six figures due to the rate increase associated with the damaged credit report.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have not received written notice to dispute the validity of this debt. I do not have an account with this company. Once i receive written notice about this debt i can do my due diligence and determine if i should proceed with payment.
Company Response:
State: GA
Zip: 30904
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am repeatedly receiving phone calls of harassment, profane and abuse language and threats of prison, jail, violence and death from LVNV Funding for a debt of {$220.00} from creditor XXXX XXXX XXXX XXXX XXXX XXXX. The account and debt was fraudulent and is the result of identity theft. The account is not my account. Its a fraudulent account. LVNV Funding is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 92225
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I feel this ( company XXXX is stalking on the same issue from another company in the same vicinity and I filed a complaint about Ref. # XXXX on XX/XX/XXXX. I think this is a deceitful business practice of both within a 30 day time period. I feel I am being abused with harassment and being stalked by these people. XXXX. XXXX XXXX XXXX XXXX XXXX. Resurgent Capital Services This paperwork showed up after filing complaints ( AG Office and CFPB XXXX and before the 1st company even answered. I am being threatened of my LIFE, LIBERTY, and PURSUIT of HAPPINESS ( only ALIVE )! I know this is a time-barred debt XXXX XXXX XXXX, it has not and does not exist ( from a divorce ). If any ever correspondence it was over several years ago, which ended and nothing until this stuff with COVID and the XXXX Stimulus from the US government. This is literally harassment of abuse from them and a deceitful business practice!
Company Response:
State: WA
Zip: 98662
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A