Date Received: 2020-12-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Dear Madam/Sir, CFPB : On or About XX/XX/2020. I received a letter from a collection agency. On XX/XX/2020. I answer the debt collection company, And I let them know that as per State and Federal Laws. I need it the fallowing information. 1 ) Original Application with the original signature on it. 2 ) ALL, the Statements, bills, receives, in regards to the unknown credit card. 3 ) Collection agency NEVER send me the requested documentation, they only send me a black and white statement that looks fake and any one can printed from any system. 4 ) I ask the collection Agency to send me ALL the receives, and signatures of any purchases done on the unknown credit card. At Last I ask them to please not to contact me any more and to STOP, sending me the same letter and the same notification. The credit card its not mine and does not belongs to me either. Thank you. Respectfully yours : XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Lvnv Funding is seeking to collect a debt from an account that I didn't make an agreement with there company and which they have no signature or authorization from me.
Company Response:
State: IL
Zip: 62040
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Accounts listed below need to be deleted off of my credit report IMMEDIATELY Account Name : RESURGENT RECEIVABLE. Account XXXX : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was a result of identity theft police report and identity theft affvaidt was submitted ; company refused to discharge debt so went ahead and paid the balance to not have the account reported to bureaus. Received a paid in full letter then 2 weeks later received got another statement contacted company was advised that they would investigate and account would be closed instead the account was added and back dated on all 3 of my credit reports ; again contacted them providing all documents to support ID Theft and cancelled check ( proof of payment ) again received an investigation letter and less than a month later another statement. I believe that the company is ignoring the supporting documents and keep verifying to credit bureaus invalidly.
Company Response:
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I had a time barred debt for XXXX XXXX in the amount of XXXX and XXXX the accounts were opened on XX/XX/XXXX which exceeds the Louisiana Statute of Limitations. The XXXX account debt was deleted on my credit profile with XXXX on XX/XX/XXXX and with XXXX on on XX/XX/XXXX but the XXXX was not deleted on my credit profiles. I would like the XXXX debt to be deleted as well because it exceeds the Louisiana statute under civil code 3494. The XXXX was deleted from the original creditor but XXXX XXXXXXXX sold the debt to LVNV ( C/O Resurgent Capital Services ) they show that I owe the XXXX and XXXX both from XXXX XXXXXXXX which are both time barred debts. XXXX XXXX needs to delete the XXXX debt as well not just one debt. The collection agency above needs to also delete XXXX debt because it was deleted by the original creditor. Thank you for your time and consideration into this matter and resolution. Sincerely,
Company Response:
State: LA
Zip: 71201
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have informed XXXX XXXX to stop contacting me during hours after XXXX and beforeXXXX XXXX. I have received at lease 20 called even after I told them on the phone to stop contacting me.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services, L.P is reporting XXXX collections on my XXXX report only, i already opened a case with XXXX also. here is info XXXX/XXXX XXXX XXXX XXXX i request this company delete these accounts off my credit and fix this mistake.
Company Response:
State: CA
Zip: 93610
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
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: A fraudulent derogatory account remains on my credit report after repeated attempts to have it removed. I have never conducted business or come into any verbal or contractual agreement with LVNV FUNDING! Per FDCPA XXXX5 USC1692, I demand these accounts to be removed from my credit report, as it is illegal and slander. LVNV FUNDING Account numbers : XXXX account XXXX. I am constantly harassed, with false lawsuits, and constant phone calls! I cant hardly cope with life because of this erroneous defamation of my character and threats to my livelihood! Help me please! Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding Has place a collection for XXXX on my credit file and they have no contract signed by me. I have never heard of this company and if they bought it from the dark web all contracts had been cancelled with creditors. I have not opened any counts I have been out of work since XX/XX/2020 due to COVID 19 and underlying medical conditions. Do the the FCRA they are violating my rights and placing adverse Information and amounts on my credit when the president signed into effect that a creditor could not ruin your credit.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I would like to make a complaint against LVNV Funding LLC and XXXX XXXX XXXX. I have sent a request for the creditor collection agency to validate the debt they are claiming. The company in return went and filed a lawsuit against me in Covit-19 and has a pending status on me. They have not responded to my request for debt validation and are still sending me letters to pay a debt that was not verified. Now I am being harassed by lawyers to defend myself against this unvalidated debt. I have also requested the 3 credit bureau to take action to have the debt verified and they just sent me a statement saying that they will not remove it and is updated. I found this action to be taken against me to be very ridiculous and out of order that I came home to hear that I had police knocking at my door than leaving an orange sticker at my resident door saying this is a civil matter call me. I looked up the code that was listed on the sticker and seen that it was the same company that I asked to validate this debt. I have also had XXXX XXXX XXXX not verify their debt as well and have taken the same measure with the 3 credit bureau to have this debt to be validated.
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A