Date Received: 2020-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding is improperly and impermissibly reporting an account to the XXXX, XXXX and XXXX consumer as an unpaid " collection '' when the original XXXX XXXX XXXX account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XX/XX/2020. Complaints to LVNV Funding and the credit reporting agencies have been ignored.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A credit card collection was send to my XXXX credit report by LVNV Funding LLC from XXXX XXXX XXXX XXXX for {$680.00} I found the collection company number on my XXXX report and I called and spoke to a representative on Saturday XXXX requesting an explanation, but the representative couldnt give any because she couldnt find a file with my information social security or phone number therefore she told me to contact XXXX and I did on Monday XXXX the representative advised me to follow the present report
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: During the covid19 period that debt collectors were not to be trying to collect debt I was contacted by XXXX, XXXX and XXXX. It started in early XXXX. I sent proof that I could not pay and that I had funds that were not garnish able and asked them for no contact by phone. The amount of calls I was getting was insane. Very soon after We had a knock at our apartment door in a secured building. I opened the door thinking it was someone that I knew. It was a server not law but civil and he has no mask on which the sign is on both doors down stairs where he came in.Handed me the paper work and off he went. The Proof of verification had not yet came I asked for from before nothing. So I read everything and answered his complaint. I had filed bankruptcy in XXXX and being all the dates and transactions were redacted I had no clue when this was from. I did the best I could not having access to a lawyer and legal aid being closed. The lawsuit was for XXXX dollars and there was no mention of the fact the lvnv was sitting on XXXX in dollars in more debt, which is against the law. The only thing on my credit by lvnv at this point was the XXXX then on XX/XX/XXXX XXXX more shows up on my credit and never had a letter about it. I filed a complaint with CFPB in less than a week the name on the debt changed to the original credit card company synchrony. Well that is who sold the debt to LVNV after they closed the accounts and wrote off the debt. I am told that because they put it on my credit and also left it out of there summons it is no longer owed to anyone. I still have not been given the proof of validation on anything. The amounts of the paypal credit is disputed to XXXX and they never should have sold the debt before resolving that.There was issues with items not arriving from ebay that was purchased XXXX. They took and closed my account and sold the company to synchrony I am sure they never told them it was all under dispute as XXXX is 100 % guaranty to arrive and work. I have had thousands in items never arrive and some that did that were broken. That was never addressed by XXXX. These items are still on my credit report and need to be taken off.
Company Response:
State: MN
Zip: 56560
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Last year i spoke to LVNV FUNDING LLC regarding an amount that was not used by me. The amount was XXXX that i was told someone in Connecticut was using at the time. I spoke to the company and i was told by XXXX XXXX XXXX that someone was using the card in Connecticut.The card was not in my possession.XXXX XXXX XXXX decided to report on my credit. I have never been to Connecticut before.I reported the card to XXXX XXXX and nothing was done i was told someone used the card in Another state and no one fixed the issue instead they reported an amount that was not used by me.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC is reporting a frivolous debt to my credit reports that are not owed to them. I have never in my life done any type of business with this company. They are reporting that I owe them {$170.00}. When did I receive {$170.00} from LVNV Funding LLC? I have never received any sum of money nor any merchandise from this company! I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? There is no legal contract that is binding me to LVNV Funding LLC. I have asked them to provide me with proof that I indeed owe LVNV Funding LLC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. They have not provided me with any of the requested documents. I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either. So LVNV Funding LLC what is binding me to your company? What makes you think that I owe your company money? When did I do business with LVNV Funding LLC? Where is the contract that shows that I lawfully owe LVNV Funding LLC money?
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 I disputed two accounts from LVNV Funding that are listed on my XX/XX/XXXX and XX/XX/XXXX credit reports. I have yet to receive a response from this company. Per FCRA, LVNV Funding ( aka Resurgent ) has 30 days to investigate the item, or they must delete it from the credit report. Upon pulling my credit report today, the items are still in dispute status, but I have not received any correspondence from this company. Furthermore, on my credit report dated XX/XX/20 the accounts were reported as " closed '', but on my most recent report it was marked as " open '', yet still in dispute status. I have a attached a copy of the line items as listed on my credit report as proof.
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is different account.I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX XXXX ( XXXX XXXX /XXXX ) ACCT # XXXX. I pull my credit report for 1st time on XX/XX/XXXX not nothing that this collection was on my credit report. I found out I have a right as consumer because I didnt even know that this was on my credit report. So, I found a letter that I can use to dispute this collection on the website of FTC. So, I sent them a letter of validation which I mailed certified on XX/XX/XXXX ( I have attached the letter I sent them ). They received it on XX/XX/XXXX and respond back with a letter on XXXX of verification I didn't ask for verification I ask for " VALIDATION '' .THE LETTER THEY SENT DOESN'T EVEN SHOW THE CORRECT ACCOUNT NUMBER. They are using Reference # XXXX Acct # XXXX. I not only wrote them to give me 'VALIDATION '' but the 3 credit bureaus who are breaking laws of the FCRA . I have right to dispute as consumer because what they are reporting showing all kind of different dates and amounts with 3 credit bureaus is harming me financially. The last time they say I made a payment doesn't match anything on my credit reports. ( 1 ) The FCRA which I saw on the FTC and CFPB website says that if my information is being reported inaccurately. This is defamation, financial injury stating the case : US Court of Appeals Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. The result if file in court damage incurred by the wrong parties as deemed by the court. I have told the 3 bureaus that LVNV FUNDING LLC is reporting these things like how much I owe and when was the last payment incorrectly. 2 ) LVNV FUNDING LLC : They are also in violation failing to report a disputed debt to the credit bureaus. Protection under the FDCPA SECTION 807 ( 8 ) FINE XXXX I have a copy of my credit report on XX/XX/XXXX and on XX/XX/XXXX showing they didn't follow the law.. 3 ) If collection Agency doesnt validate a debt and continually to pursue collection activity. The consumer protection afforded by the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. XXXX {$1000.00}. The Credit Bureaus are also continually refusing to correct information after I have proved them proof of inaccuracies. Which is defamation, willfully injury. FCRA Section 623 CUSHMAN V. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F. 3d XXXX, XX/XX/XXXX, Filed ( XXXX XXXX ) This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. Please delete this items from my report immediately.. These accounts have hurt my ability to obtain credit
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Collector is impersonating a government agent as an investigator and harassing family members by calling at all times of the days each and every day.
Company Response:
State: CA
Zip: 93455
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A