Date Received: 2021-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX -I WAS NEVER LATE ON THIS ACCOUNT AND ITS REPORTING INACCURATE THE COMPANY IS REPORTING 3X LATE THE BUREAU IS REPORTING 30 DAYS LATE.PLEASE REFERENCE FILE # XXXX IS REPORTING CURRENT PAID AS AGREED.ACCORDING TO FCRA THIS IS A VIOLATION.THIS NEEDS TO BE REMOVED.I 'VE CONTACTED XXXX NUMEROUS OF TIMES AND SENT IN AFFADAVITS THEY REFUSE TO INVESTIGATE. THEY ALWAYS SAY VERIFIED, ACCURATE BUT NEVER PROVIDE ME PROOF. XXXX XXXX XXXX, LVNV FUNDING, XXXX XXXX THESE ACCOUNTS ARE CLOSED ENDED ACCOUNTS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, HAVE NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS VIOLATION THESE THINGS SHOULD BE REMOVED IMMEDIATELY! DATE LAST ACTIVE, DATE OF LAST PAYMENT ALL THIS IS INACCURATE AND AFFECTS YOUR CREDIT
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 1. I was informed that the accounts were now with a servicer - XXXX. 2. I was provided the number to contact XXXX and also provided with a reference number. 3. I contacted XXXX verified my identity and then provided the reference number. 4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 5. The sub-servicer was XXXX XXXX XXXX and I needed to contact them to discuss the accounts, any payments and possible settlement. 6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and after providing all of my information I was told that they did not have my account. 7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 9. XXXX XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX and XXXX XXXX and that both sub servicers stated that they did not have my account. 11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 1. I was informed that the accounts were now with a servicer - XXXX. 2. I was provided the number to contact XXXX and also provided with a reference number. 3. I contacted XXXX verified my identity and then provided the reference number. 4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 5. The sub-servicer was XXXX XXXX XXXX and I needed to contact them to discuss the accounts, any payments and possible settlement. 6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and after providing all of my information I was told that they did not have my account. 7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 9. XXXX XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX and XXXX XXXX and that both sub servicers stated that they did not have my account. 11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. Today XX/XX/13 - I called Resurgent Capital services to try and discuss and settle my accounts. 1. I was informed that the accounts were now with a servicer - XXXX. 2. I was provided the number to contact XXXX and also provided with a reference number. 3. I contacted XXXX verified my identity and then provided the reference number. 4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 5. The sub-servicer was XXXX XXXXXX/XX/XXXXand I needed to contact them to discuss the accounts, any payments and possible settlement. 6. I received just the phone number to XXXX XXXXXX/XX/XXXX I contacted XXXX XXXX XX/XX/XXXX and after providing all of my information I was told that they did not have my account. 7. XXXXXX/XX/XXXX stated that I must contact XX/XX/XXXX because they XXXX have my account. They provided the number to XX/XX/XXXX 8. I contactedXX/XX/XXXX verified my information and was told I did not have an account with them. 9.XX/XX/XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XX/XX/XXXX and XX/XX/XXXX and that both sub servicers stated that they did not have my account. 11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been getting calls after calls and having rude people saying if I dont pay, I will go to court and be charged. I was not aware that XXXX XXXX XXXX put me in a collection. I never sign any document with LVNV Funding LLC to be harassed in this matter. Please remove this collection I never applied for with LVNV Funding LLC.
Company Response:
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: COLLECTOR ONCE AGAIN IS COLLECTING A FRAUDULENT CREDIT CARD DEBT AND KEEP CALLING MY FAMILY MEMNBERS 31 CALLS TO CELL.ALSO HAVE STARTED CLASS ACTION EFFORT FOR DODD FRANK ACT INFRACTIONS.
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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: TX
Zip: 77304
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. CACH LLC # XXXX, has violated the Fair Credit Credit Reporting Act and The Fair Debt Collection Practices Act ( FDCPA ) which states : The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of Mortgages Credit cards Medical debts Other debts mainly for personal, family, or household purposes.
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am simply tired of this company reporting false information I have told them several times the names doesnt match nor the address Ive never applied nor lived at address they still wont remove these items
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PYOD LLC XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX o r XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A