Date Received: 2020-11-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have never had credit with nor signed any papers with LVNV Funding yet they are reporting on my credit report profile that I owe them {$670.00} which is inaccurate and untrue. This incorrect reporting is very detrimental for my credit report account status.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I previously initiated a complaint on XX/XX/20 against LVNV Funding, LLC because they acquired an account from XXXX XXXX XXXX in my name for $ XXXX.LVNV Funding, LLC responded on XX/XX/20 advising that the account was in process of being returned to the original creditor ( XXXX XXXX XXXX ) however, XXXX XXXX, XXXX is still erroneously reporting this {$460.00} debt on my credit reports in their name. I would like for this unwarranted debt to be removed from my reports ASAP.
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a debt validation letter to LVNV Funding LLC and all they sent me in return was a credit card statement. No signature, no contact not but an statement.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In late Spring XXXX, I noticed a new XXXX XXXX credit card on my credit report that was not mine. I contact the bank, provided them with the information they requested and received a letter dated XX/XX/XXXX indicating that they had investigated and held me 'not responsible ' for a credit card ending in : XXXX. It was removed from my credit report. I thought it was a one-time fluke, and perhaps it was. However, in XXXX XXXX, my identity was stolen and 5 credit cards were taken out in my name and my checking and savings accounts were compromised. In addition there were 5 other hard inquiries ( that I did not make ) where the thieves tried to take out even more cards in my name. I discovered the theft when I applied for a new credit card and was declined and by that time each of the credit cards had been charged to the maximum credit limit and all were late, dramatically dropping my credit score. The thieves used the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. An address that is not nor was it ever mine. Because the thieves used it the address showed up on my credit report. Only within the last month have XXXX and XXXX agreed to remove the XXXX XXXX address from my credit report. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit card companies and XXXX and XXXX. I provided each company with what they asked from me and 4 of the accounts were closed and removed from my credit report except the XXXX XXXX credit card ending in : XXXX. After sending in the information that XXXX needed for the XXXX ' account I received a letter dated XX/XX/XXXX. Indicating that they had conducted their investigation and quoting from the letter : " determined the application and subsequent account to be authorized and not fraudulent based on the following : A credit card and monthly billing statements were sent to : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. '' I tried to contact XXXX several times thereafter and sent another letter telling them what I am writing here - that I have never lived at the XXXX XXXX address, therefore never received the card, never charged anything on the card. This past week I called XXXX XXXX to ask about the 'derogatory comment ' on my credit report and the resulting drop in my score. I learned at that point that the account had been turned over to a collection agency - Pyod. The XXXX representative told me I would have to call the collection agency and refused to speak with me further.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I was reviewing my credit report to see where I stand on my attempts of home ownership and I see two delinquent entries made by LVNV. I attempted to find their address in Nevada and found them in South Carolina under the name Resurgent Capitol. LVNV is a third party debt collector but I fail to see why are their so many names attached to my two entries and I am disputing the validation of the companies themselves. I feel there are some illegal debt collection activities here and asking on a debt collector license and if they are legal in South Dakota to collect any debt.
Company Response:
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are medical things on my report yet i have Medicaid and have no medical balances owing. Some credit card accts are not mine and i need to dispute them. How can i despute these accounts?
Company Response:
State: MO
Zip: 64068
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a settlement agreement with LVNV Funding, LLC, with payments of {$49.00} being automatically debited every 2 weeks through XXXX XXXX XXXX XXXX. My ending balance on XX/XX/2020 was {$490.00} of a {$1200.00} agreed upon settlement. Payments abruptly stopped being withdrawn in XXXX I believe, I called XXXX XXXX and was told to call Resurgent. Resurgent told me there was no record of my account. I continued trying to find out what happened, while LVNV was added to my credit report in the full amount of {$1500.00}. I was finally able to get a hold of someone at Resurgent who told me they will not honor my original settlement agreement since it was through a different company. I was never notified of the change in processing companies. Resurgent wants to settle for {$1000.00}, virtually eliminating the {$710.00} I have already paid toward this debt. I have disputed through XXXX without success. I am not diputing the ownership, only the amount owed. I have a document from XXXX XXXX showing the ending balance owed on the settlement. What, if anything can be done? Thank you.
Company Response:
State: AZ
Zip: 85716
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A few years ago LVNV and I met in a court and the case was dismissed in my favor, and the court also stated that I did not owe LVNV any money. Nevertheless, LVNV has being continuing reporting to XXXX that I owe them money when in fact I do not. LVNV is filing false and fraudulent statements with XXXX. LVNV in the last 3 years has received over 400 complaints with the XXXX XXXX XXXX for attempting to collect money when they have no legal standing. LVNV lost a {>= $1,000,000} class action law suit in the state of Maryland for the same fraudulent practices. I have already filed several complaints with XXXX in an effort to stop LVNV. I gusess my next step will be to contact my congressman to seek resolution.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After several attempts of debt validation dating back XX/XX/XXXX and most recently XX/XX/XXXX. This company refuses to send the documentation as I requested. They continue to send me letters to settle the debt instead of validating NOT verifying the debt as requested. They even verified with the credit bureau but will not explain to me or send to me the documents sent to them to validate the debt. They completely ignore my requests
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A