Date Received: 2021-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I received a first credit card bill from XXXX XXXXXXXX XXXX ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX XXXXXXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( XXXX numbers instead of XXXX etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXXXXXX but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to PYOD, LLC in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called XXXX XXXX XXXX ( XXXX IL ) they were collecting for aforesaid PYOD LLC. Note : I never opened an account with XXXX XXXXXXXX ; I have never heard from PYOD LLC directly, and have contacted XXXX with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with Gravatar ( XX/XX/XXXX ), XXXX ( XXXX XXXX ), & Share This ( XX/XX/XXXX ). BOTTOMLINE : XXXX XXXX XXXX if now trying to collect for PYOD LLC for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name ( Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To Whom it May Concern, I am having an ongoing dilemma with a collection agency refusing to provide me original documentation of an account which they insist is accurate and one which i am certain is not mine. The company reporting the data is LVNV. They are constantly changing the reporting date of the account, reaffirming the debt to the bureau 's in a malicious way to impact my score and refusing to honor the dispute as outlined in the Fair Debt Collection Practices Act., which states that information under dispute must be provided from an original source so that the account can be reviewed and then disputed for accuracy. It has come to my attention in my research that LVNV is a debt buyer and one with a shoddy record of compliance, which makes perfect sense but leaves me no closer to a resolution with finality. I am asking for this agency to intercede on my behalf and assist me in my dispute with this debt buyer. I am requesting full information of this debt, original documentation and an affidavit where applicable. The account is not mine and it is my belief that the account is the result of a mixed file. Someone else 's file has been attached to my report in an illegal manner and by not providing the transparency to my consumer rights, I am left to pay for this mistake on their behalf. I understand that this agency can not act my counsel, however I respectfully request that the CFPB act as a mediator in this regard. Thank you.
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ive ask them to produce documents to where i have signed and agreed to pay the alleged debt / legal documents between me and the company. they have have failed to produce and are continually placing inaccurate information on my credit reports
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: The debt collector, XXXX XXXX XXXX XXXX representing LVNV Funding XXXX XXXX XXXX XXXX XXXX has failed to offer adequate customer support for the last 6 months. I have tried repeatedly to call the office at : XXXX and XXXX, extension XXXX and no one ever answers the phone. I have attempted calling them over 10 times since XXXX, XXXX, waiting for a total of many hours for a live operator to notify them that as a result of COVID and the lockdowns my income was significantly less since XXXX, XXXX and I was unable to pay my agreed upon payment plans. I was on NJ state unemployment from XX/XX/XXXX to XXXX, XXXX. Over the last 2 weeks, I have received court judgements against me and threats of garnishment of wages. I am attaching the judgements and wage garnishment documents. Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I received the 2nd letter about a debt : from Resurgent Capital Services about a Pinnacle Credit Services Account # XXXX which is past the Statute of Limitations for enforcing this type of debt through the courts in Ohio have expired. This company has disobeyed my cease and desist order as seen in the attached as this company is a company tied to XXXX XXXX XXXX XXXX XXXX XXXX in which has the ease and desist order as per the USPS Certified Receipt listed I called Resurgent Capital Services to ask why they sent me another letter. The Associate stated they had the cease and desist order on file and could not answer any questions on the file. When asking why they sent me a letter again the Associate stated that he could only speak to me about the issue if I listed the account as non cease and desist. I advised He, his company, and any other fiduciary to cease and desist and they are in violation of that order.
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: How could you report this account accurate? If it already has been deleted from the other. If they cant validate it. How can you validate this account?
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have collections on my account which are not mine. Ive sent a Dispute on all my 3 credit scores 2 weeks ago and have not receive any results. Please have collection removed which are not mine.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
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: LVNV is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now LVNV is saying they opened and account for me on XX/XX/20 on the credit report.
Company Response:
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX Balance : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} - he creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. LVNV FUNDING LLC XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Company Response:
State: CA
Zip: 93711
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A