Date Received: 2021-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Around XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX with an initial credit limit of {$300.00}. XXXX. After my first XXXX to XXXX months of paying on time they raised my credit limit to {$750.00}, after paying it off I noticed extra charges on the credit card and reported it to XXXX XXXX XXXX XXXX XXXX. The person I spoke to said the charges were mine and I told him to turn off the credit card. I continued making payments but I kept seeing new charges on my statement. I called and complained again and the person said it would be taken care of. By not doing what they said they harassed me. They contacted a relative who told them I didn't live there and we were estranged. They were told that I don't live there and they should not contact them again or he would consider it harassment and turn it over to the attorney general. He was told his address would be stricken from any form of contact. For the last couple of years he has since been receiving mail in my name along with a court summons. This is in violation of The Fair Debt Collection Act. I feel they knowingly sent collection letters to humiliate me as a form of harassment. In XX/XX/XXXX I called again when I was getting ready to buy my home and seen it was on my credit report, I tried settling with them and they said they would only take the full amount due. I then explained what had happened but they wouldn't listen this is harassment. Since then it has fallen off of my credit report, but on XX/XX/XXXX it reappeared on my credit report under LVNV Funding LLC and the amount owed had jumped to {$1100.00}. In XX/XX/XXXX I called LVNV Funding and tried once again to settle this account by either payments or a cash lesser settlement amount at that time I gave LVNV Funding my current address and phone number. LVNV Funding declined saying they would only settle for the amount of {$1100.00}. This again is a form of harassment. In XX/XX/XXXX I found out from a relative that they had a letter from a law firm addressed to me at their residence. I had them open it for me and it was an advertisement of a law firm wanting to represent me for my court case on XX/XX/XXXX XXXX.I never received a notice from LVNV Funding about this issue. The court case was filed in XXXX XXXX XXXX, Missouri. I live in XXXX XXXX Illinois, a XXXX difference and a place I haven't lived in about XXXX years. This is again a form of harassment. I took off of work for the court date and drove there to find out that LVNV Funding had dropped the lawsuit on XX/XX/XXXX without prejudice. This has been a form of harassment for many years they will not work with me and keep holding this fraudulent debt above my head for almost eleven years. I feel like this court date is another form of harassment because they know I don't live there and by dropping this case and making me miss work is harassment. Then receiving the cancellation of the case by letter after the court date at the wrong address is harassment.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I let them know I am rescinding my signature to the alleged contract they purchase from the original creditor
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2006, a Judgement was filed in the amount of XXXX by XXXX XXXX XXXX, who purchased the debt from the original consumer credit card debt, XXXX XXXX. LVNV Funding purchased the debt from XXXX XXXX XXXX XXXX. Since this transaction, the debt has been sold four times to third parties, and each time they attempt to revive the judgment and add {$1400.00} ( moreover, a 74 % increase ) in interest for a total amount of {$3400.00}. I am filing this complaint against LVNV Funding LLC and the current representing legal group, Resurgence. The company and firm have violated my rights under and according to 735 ILCS 5/2-1602 ( a ). Plaintiff has inflated the amount over the allotted statute, broke the timelines for the revival of a dead judgment, and has continued to harass without verifying the debt is owed.
Company Response:
State: IL
Zip: 60156
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: . My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: 1st letter attempt XX/XX/XXXX 2nd letter attempt XX/XX/XXXX 3rd letter attempt XX/XX/XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On or about XXXX through XX/XX/2019, I filed a complaint to the CFPB, XXXX and Theft identity about an unknown debt from XXXX XXXX, LVNV Funding, under the name of Resurgent Capital Services. This company replied back to CFPB and the XXXX stating that I was not responsible for this debt. This debt was taken off of my credit report. I reviewed my credit report under XXXX and this debt is again on my credit report but under the name of XXXX XXXX XXXX XXXX. I am also getting repeated calls from this company. It appears to me that once the new Company, XXXX XXXX XXXX XXXX, bought out this debt from Resurgent Capital Services, that they are reopening this case. I have letters from Resurgent to both the CFPB and XXXX stating the XXXX XXXX is not the responsible on this account. I want the calls to stop and this off of my credit reports.
Company Response:
State: KY
Zip: 40165
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2020 I obtain copies of my credit report. I noticed LVNV Funding, LLC were listed as a collection on my credit report. I sent a certified verification letter to the company to verify the debt. I haven't received any correspondence from the company verify the debt that owed.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: CACH LLC over the past 10 years continues to send harassing letters after I send them legal Cease and Desist responses. I have also called and verbally asked them to stop and and all communications. It is such an old account that I had to ask them what it was? They do not even know what the debt was as it has passed down to several other agencies, companies and debt collectors over the past 10+ years. 100 % of my income is non collectible by law, I am XXXX XXXX and on XXXX. But, in additon, the statute of limitations has run way out and I have made them aware of this. Each time they come back with the same account just under another 'new ' collection agency name, which I have kept record of. CACH LLC, XXXX XXXX, LVNV Funding, Resurgent Capital and XXXX. I am sending them another hand written letter back today with their letter enclosed. I am willing to prosecute them for harassment if this continues.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Firstly, I was never informed that I owed them. Never received a call nor letter from them. Received alerts from XXXX and XXXX. Found out that Resurgent Capital Services had placed a negative item on my credit report. I sent them three certified letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for validation of the debt. To date, they have failed to provide that but opted to send me a debt verification 6 weeks after my initial contact on XX/XX/XXXX, which is clearly not what I requested. I specifically requested the following : 1 ) a detailed statement reflecting all credits/debits and fees associated with the amount owed, starting from the first day the account was opened to the last day it was closed, showing all transactions and how they arrived at the amount owed, 2 ) I requested a signed copy of the Card Holder Agreement indicating amounts of all fees associated with the account, 3 ) I requested that Resurgent Capital Services provide proof that they have the authority to operate as a debt collector in the state of Pennsylvania. Non of the above requests have been provided as of XX/XX/XXXX and yet they choose to maintain the negative item on my credit report.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A