Date Received: 2020-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: PYOD LLC attempting to collect a credit card dept from XXXX XXXX XXXX XXXX for {$1400.00} This dept was opened.XXXX. This credit card debt was the result of identity fraud and had been disputed and previously removed from my credit report. XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: i had an account with synchrony bank on XXXX. it was opened in XXXX i made my pyments on time for purchases, until XXXX began trying to overcharge me on some items. attempts to correct the issue with XXXX accounting were unsuccessful in XXXX when this occurred. after months of back and forth nothing was resolved. in XX/XX/XXXX, i suffered a XXXX. i was unable to continue fighting with XXXX. in XXXX, when i recovered enough to get back on track, XXXX told me the account was closed and XXXX. i heard nothing from XXXX XXXX about this matter either. no attempts to collect. in XX/XX/XXXX i received a letter from LVNV collection agency. i conveyed this series of events to them. they ignored my attempts to correct this issue. snce it had been over 5 years since the account was opened it was no longer a valid dect per pennsylvania law statute of limitations. i was ignored again. then received notice of a magistrate hearing in XXXX XXXX i have a XXXX XXXX on the phone and was unaware that i needed to respond other than show up at the XXXX, which i did. the representatives of LVNV funding did not show up. i was told because i did not inform the magistrate i would be there. it was rescheduled for a month later, but i was unable to attend. then i received a letter in XX/XX/XXXX stating that LVNV funding went to common pleas court and got a judgement against me. i had no idea there was any court scheduled, no one informed me. i again attempted to inform LVNV funding i am on social security and have no assets and my income is protected. never the less they have put this negative claim on my credit report. as i stated, they ignored all communications from me. my income is solely from social security and i am a handicapped senior citizen. i would like this removed since it was invalid to begin with having gone beyond the statute of limitations of 4 years.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon checking my credit report there is a debt collection on my report that i have no knowledge of i have never signed a contract with them nor any of there affiliates
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of 2020 I found a collection on my account from LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES. XXXX XXXX advised me about this, and I paid them to get it verified. They never received anything back, and I just couldn't afford to pay them any longer, so I sent a certified letter to them on XX/XX/2020, which they signed for on XX/XX/XXXX, and I didn't get any response! I pulled a copy of my CR 's from all three bureau 's on the XXXX day, and they had not posted disputed as required by law. I then sent a second letter on XX/XX/XXXX giving them another 15 days to remove it from my report as they had not verified that I owed any debt to a creditor, nor did they show I owed them any money! I again checked my 3 CR 's and still nothing removed or shown as disputed, it was still there and not shown as disputed. I finally received a letter from them on XX/XX/XXXX more then 120 days from the letter from XXXX XXXX, and more then 22 days from the second letter, that stated they were looking into it and would get back to me. I just pulled my 3 CR 's today another 30 days, and again nothing has changed on my report! I have all my signed letter receipts, and I want this removed from my report. I have copies of my dated reports and letters.
Company Response:
State: IN
Zip: 47591
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX alerted me that a new account ( XXXX/XXXX ) was open in my name by LVNV Funding on XX/XX/XXXX. This account was closed on XX/XX/XXXX. I have made regularly monthly payment through XXXX XXXX XXXX XXXX. I have my statements proving that I make timely payments to XXXX XXXX and they send the payments out according to the payment agreement. LVNV Funding has cause the credit bureau agencies to lower my credit score by 100 pts. This company has been harassing me six times a day Monday - Saturday since XX/XX/XXXX.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent a certified letter ( tracking XXXX ) via USPS mail LVNV Funding XXXX XXXX XXXXXXXX XXXX, SC. XXXX on XX/XX/2020 req uesting VALIDATION not verification on a debt they say I owe to them. The letter was in fact was delivered and signed for. I have received NO RESPONSE at all regarding this matter. I neither affirm nor deny that I owe this debt and under the Fair Debt Collection practices I am entitled to receive validation and other information I have requested in my letter to them for this debt that they have reported to all 3 credit bureaus. They currently sit with a little over XXXX complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and over XXXX with the XXXX XXXX XXXX.
Company Response:
State: MI
Zip: 48161
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Happy Friday XXXX! - 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$180.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, I was looking over my credit report and noticed a negative reporting from LVNV FUNDING LLC on my credit report for an amount of {$640.00}. The original creditor was named on my credit report as 01 XXXX XXXX XXXX REWARDS and state that it was opened on XX/XX/XXXX ( 5 mos ). This is not my account and if so it was a result of Identity theft. I want for review the original contract with my original blue wet ink signature for verification.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A