Date Received: 2021-02-17
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: 92563
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, To say that you have tried to resolve the issues at hand is a joke. If anything Resurgent has been less than helpful. So let me start this once again. These are the questions that I am not getting answers to. Lets begin with XXXX XXXX CACH LLC You have been sending me collection notices for years on three XXXX cards. The debt was never mine, the cards taken out by someone who stole my identity. Your company knew this back in the good old CACH LLC days ; they knew it in XXXX when I wrote to XXXX XXXX and you all have just reconized this for the first time. The XXXX card your collectors got so much pleasure calling me a deadbeat mom on as well as calling my neighbors and sharing with my neighbors things that were none of anyones business. And you were way out of line doing this. Now please explain to me why you would be collecting harassing me, calling me, calling neighbors and reporting me throughout the years on the same XXXX XXXX card that was in the courts?? How were you or why were you sending me collection notices on this very same card and reporting me on it?? Do you know the last collections letter I got from Resurgent on the Metric CACH LLC card was this past XX/XX/XXXX. I want to know why?? Why were you trying to collect on a XXXX XXXX card CACH LLC when it wasnt yours to collect on?? And explain to me how you can be asking me to pay this debt and the other two XXXX cards for over 20 years?? Do you know what the statute is in California???? And why did you continue to report to all three bureaus on cards I never opened, never used were under identity theft and were never mine. WHY did you continue to screw up my credit??? And if you werent reporting them you were doing hard inquiries WHY???? Since having my day in court so to speak I was able to show that while CACH LLC XXXX XXXX was filing bankruptcy Cach knew those XXXX was not mine, he knowingly passed the XXXX XXXX Account onto XXXX XXXX ( which is the same account that Resurgent stalked me about ) and once I showed XXXX XXXX the same thing I showed XXXX XXXX FTC Affidavit and the XXXX report ( it was after she obtained the default judgment ) she closed shop and XXXX XXXX went with all the peeps from XXXX XXXX onto XXXX. So this is a very incestious business. You file bankruptcy and move on and open up a new collection agency.XXXX XXXX even got a levy for my accounts but knowing she would do this I stayed a step ahead and not a single penny was ever taken from me. See attached letter from Resurgent dated XXXX XXXX addition to trying to collect on a 20+ year old credit card you too have asked me to provide the identity theft info from 20 years ago.And its paperwork you were sent starting in XXXX. Resurgent was made aware of this starting back in XXXX or XXXX when I wrote to XXXX XXXX sharing that the XXXX cards were not mine. But then like many they just vanish and you never hear from them again. Kind of like you did for a while you just stopped answering my emails, you no longer returned calls. So nice to have you back You try and make me look like an XXXX. The double reporting was done the same year on the same XXXX report they were not from two different years. I know XXXX XXXX liked to think I made up things off the top of my head like her saying there were two fonts being used on something she closed her mouth really quick when that something wasnt from me but from XXXX and it was XXXX who made up paperwork and letters from the bank they made up a letter like it was something i would type and when I called and asked to speak to an attorney on this made up stuff i was hung up on. So what does XXXX try to do?? she reches out to XXXX who called me right away and told me what XXXX was doing. I dont have to make up anything you guys screwed up so badly it's your own paperwork that shows what you have done. Now XXXX XXXX ... See the attached statements. You are trying to collect on a XXXX XXXX account that is not mine. The card you are collecting ends in XXXX My card ends in XXXX and it arrived to me in XXXX not XXXX. Just look at the statements I have attached ; you can see when my card arrives the numbers change. I have no clue who the owner is of XXXX that is where you should have checked further because I had no card in XXXX. The places this person used their card is in another city. I also have no pets so pet stores are not where I go to hang out. I have explained this until I am blue in the face and it falls on deaf ears and blind eyes. So the next thing to do is attach those statements right here so you can see the change of the numbers either you or the creditor made a mistake and combined my account which was in good standing as I had the card for less than 30 days but again the statement show this and it shows that my card was closed in less than a month. If you all cant see this now I dont know what else to say it took you over 20 years to see the XXXX and you still dont see that you were collecting on the same card as was in the courts. You will see this now. I hope. XXXX XXXX you continued to report me wrong here too and double report me.You would report once as the bank and once as LVNV same card but your dates dont match on the LVNV and the i am going to pretend I am XXXX XXXX I know that the second you buy this account the creditor stops reporting so what you do is make it up.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX apparently had a credit card opened in my name. They were notified and they ADMITTED as you can see in the letter attached that was NOT mine and that I am NOT responsible. That letter was sent to me in XXXX of 2020. I STILL am receiving threatening letters saying it is mine, that they now want police reports and such which was not needed before they sent me the letter stating it was NOT my responsibility. This is a scam company that has swindled millions from people and has a F rating on the XXXX. I didnot do this!!! My credit is damaged by not only XXXX XXXX XXXX but by LVNV funding. This needs to be rectified at once!
Company Response:
State: IL
Zip: 60178
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This firm has contacted me twice regarding an account from 2015. Twice, I have asked to be shown the unredacted Bill-of-Sale that shows both the DATE and the amount their client, LVNV Funding, LLC actually PAID for this old account. They are claiming I somehow owe " them '' {$1600.00}. Unless they can show/prove that they actually paid this amount and " WHEN '', I believe I owe them nothing. I am disputing both their claim and the amount they believe I owe them.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have previously reported this company Pinnacle XXXX XXXX for their repeated phone calls and abusive language. Previously it was XXXX XXXX who called me, now they have XXXX XXXX calling. She called my phone twice on XX/XX/21, and left one message. I attempted to return the phone call that same day but the phone only rang with no answer. She also called a friend of mine twice on XX/XX/21. XXXX called again on XX/XX/21 and called my friend twice and texted him on this same day. I called XXXX back and once I realized she was with the same company as XXXX XXXX I told her I already disputed this with him and he told me I didn't need to do anything else. Then I told her she needed to stop calling and harassing me, and my friend with her endless phone calls and text messages. She began raising her voice, and telling me that " there's a process ''. I said I'm not giving you any of my information, so stop calling. She continued to yell and scream at me and eventually hung up.
Company Response:
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV FUNDING LLC XXXX Balance : {$340.00} - 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. THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - 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 : {$380.00} - 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 Balance : {$59.00} - The 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 FACT ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. XXXX XXXX Balance : {$860.00} 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.
Company Response:
State: CA
Zip: 94523
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX superior court of new jersey. the debt was paid in full XXXX XXXX said the company did not want any money from me.
Company Response:
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a formal complaint against LVNV LLC located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX. and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response:
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted LVNV Funding whom is doing business as Resurgent Capital Services on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV/Resurgent a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. I filed a complaint with my local police department and put the information in my police report. Prior to sending the affidavit I sent a letter to LVNV/Resurgent Capital Services to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX XXXX ) and LVNV/Resurgent Capital Services disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV/Resurgent Capital Services and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A