Date Received: 2021-02-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received my CFPB response from Resurgent Capital Services dated XX/XX/2021, which was an account summary, which does not count as a validation of debt. Anyone could have opened a credit card in my name and used it. They have yet to produce a contract bearing my signature. They also have failed to produce what they actually paid for this account. They are not able to charge a debtor more than what they paid for the account.
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX I opened a credit card with XXXX XXXX XXXX, but only kept it for emergencies, did not use it often and paid balances I used. I reported fraud in XXXX and did not pay the fraudulent balance. Then they sent me collection letters so I wrote a dispute letter to the collector, LVNV FUNDING LLC, stating that I dispute this debt. They did not stop sending me collection letters. The LVNV FUNDING LLC is still on my credit report. The total amount they claim I owe is {$1500.00}. Its been over 6 years.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i INFORMED THEM THAT THAT WAS NOT ME ... i NEVER OPENED AN ACCOUNT ON 2015 WITH THEM. I AM SHOWING I OWE THEM {$540.00} AND IT SHOWS ACCOUNT STATUS OPEN ... THAT IS NOT ME!
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The collections agency named Resurgent which works for Lvnv, or XXXX XXXX, or XXXX ( they play football with consumer debt ) fails to settle with me when I make a reasonable offer, and i have called and Emailed them numerous times. They act like bullies. I need this off of my records since i am unable to rent an apartment and might become homeless accordingly. Why is it so hard to get rid of this. Please help. I can make a XXXX dollar payment. Out of all my CC debts this specific collections agency makes sure the debt is highlighted and shows at the top of credit report as a derogatory mark. They dont pause or remove it even when you dispute.
Company Response:
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Resurgent Capital Services has been attempting to collect on an alleged debt that has already been paid for due to a consumer credit transaction that took place with XXXX XXXX XXXX XXXX XXXX. I am a Federally Protected Consumer and Resurgent Capital Services has violated me in many ways. Resurgent Capital Services is a third-party debt collector. I never gave Resurgent Capital Services written or oral permission to have my information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). Resurgent Capital Services has furnished information on my consumer report without my knowledge and permission pursuant 15 USC 1692c ( a ). Resurgent Capital Services can not state that such consumer owes a debt 15 USC 1692b ( 2 ). I mailed Resurgent Capital Services a debt validation along with a cease and desist, ( 2 ) Affidavit of Truths in regards to their Violations. I received no valid response. Please see the attached
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I did have a credit card with XXXX XXXX XXXX. But I used it once, and paid it off. Now over 2 years later, you are requesting some kind of payment when I paid off the amount back then, and the credit card was for only {$300.00} limit.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THIS ACCOUNT WAS OPENED FRAUDULENTLY AND I REQUEST IT TO BE REMOVE AND DELETE FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The original account was with XXXX XXXX XXXX and they sold it to LVNV Funding, LLC c/o Resurgent Capital Services, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX. In the process of collecting the outstanding balance, they violated several of Fair Credit Reporting Act ( FCRA ) rules. I will enclose a copy of my credit report and the letter I had forward to all three credit bureaus ( XXXX, XXXX, and XXXX ) proving the errors.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Attn : Consumer Financial Protection Bureau, And as such, this complaint is in regards to a litany of fraudulent advances by the following entities, such as LVNV Funding LLC, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX. Moreover, this matter has been disputed in near the ending of XXXX, and in XXXX, of XXXX, in which I ended up winning on all disputed occasions with all three credit bureaus, but not only that this debt has no impact whatsoever on any of my credit files, or from any of the major credit bureaus. Furthermore, it's a desperate and appalling attempt by all the entities that's still utilizing means of trickful advances with stunts to cause debt re-start, to take advantages in every possible and underlying ways disturbingly. In addition, these advances by LVNV Funding LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX.. Are further attempts in which supports ethical fallacies, in written rationale fallacies, extortionate deeds, egregious acts, and downright major monkey businesses in which is seriously and dangerously non-de-minimis in itself etc. Also, please keep in mind that such debt has long exhausted its maturity time frame to collect, and therefore these companies are well aware of every tactics in their mysterious approaches. More broadly, such acts can easily be labeled as knowing and culpable negligence without bias by any body of oversight governmental, and watchdog agencies undoubtedly speaking. However, back in XXXX of XXXX, one of LVNV Funding LLC, affiliated entities, such as XXXX XXXX XXXX XXXX, utilized a symbolic method in regards to a college loan of nearly {$7000.00}, stunt-fully and tactfully by incorporating XXXXXXXX XXXX, to where I ended up bringing the matters to the Indiana State Attorney 's General 's Office, and as well as to the CFPB, and won both successfully speaking. " Progressively, one of the attorney 's representing the Indiana State Attorney General 's Office, did share with me that if they XXXX XXXX XXXX XXXX, attempted to come after me, again by any deceitful and unscrupulous acts that they would revise what I layed out to them in complaint and take appropriate actions etc. '' So, in essence it appears that these interchangeables of entities hasn't learned any lessons to cease and desist from trying to underlyingly slight myself as a consumer, and perhaps the many other 's that has fallen to a emblematic approaches by means of ugly ulterior motives. Additionally, LVNV Funding LLC, and companies affiliated will stunt-fully share a debt within their entities to entrap myself on multiple occasions, and I also believe that this is an unethical plan that is being utilized against otherly consumers to trick disadvantageously speaking, especially for those consumers that are not wisely privy to these nefarious acts by LVNV Funding LLC, and their affiliated counterparts. In further, LVNV Funding LLC, also utilize means of in writtens of harassments, invasion methods of privacy by tracking consumers in credit establishments and to track where consumers are residing etc. It's a disgraceful act to begin with, but one that should be seriously investigated at the highest levels, that way the highest levels of justice 's can be levied without questions. Progressively speaking, I am calling for an immediate investigation against these affiliated sister companies, as well as against XXXXXXXX XXXX XXXX, XXXX. Also, I would like for what I've shared thus far to be shared with multiple governmental agencies as a further means of helpful and informative information etc. And I will do my part as reflecting to a lawyerly pursuit, because it's time that these entities are taught a severe consequential lesson etc. Furthertively speaking, these in writtens and shared chronicles now concludes the despicable acts of all the aforementioned entities that will for surely be facing swift and vigorous justices in a timely manner. Please Note : Verifications of documents attached.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have attempted to reach LVNV Funding on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with LVNV Funding nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that LVNV funding provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A