Date Received: 2020-09-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I've been in communication with LVNV Funding since XX/XX/20. They were negotiating a settlement with me and when I told them I needed a consideration because I am going through a financial hardship they told me to contact XXXX XXXX. I contacted XXXX XXXX and arranged a settlement and the day I called in to process the payment they refused to take it. They said the account was transferred back to LVNV Funding so I called them and they refused to take a settlement. They would only take the full amount. The reasoning behind this was because in their system it showed that XXXX XXXX was servicing the account. The odd thing was that they wouldn't take a settlement JUST a payment in full. With all this back and forth I still have not been able to settle this account and they continue to mark me late on my credit every single month. I beleive it is unfair and illegal for them to do this. I have the money, I made arrangements so why can't they keep their word and settle my account? It seems like the owner of the debt ( LVNV ) caught wind that I was settling the account for a reasonable amount and they didn't want that to happen so now they have my account in a limbo where I am the only one losing. I can't pay to stop the negative credit reporting and they don't seem to care.
Company Response:
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: www.lvnvfunding.com Is a collection agency and agreed to a ( XX/XX/2018 ) XXXX monthly payment since they took over the charge off. ( from a predatory company online. ) I had to take this loan out due to being off work for XXXX At that time they agreed to {$100.00} a month payment with it being electronically Taken every month for approximately 2 years. They are reporting it late every month though the agreement was made, never late. It is reporting that no payments are being made and that I am late every which is a lie. I also contacted the company and they state they dont report anything to the agencies just when its paid off that is again not true.
Company Response:
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX has been trying to collect a debt from me that is past the statute of limitation.XXXX XXXX XXXX court case XXXX XXXX, CACH LLC vs XXXX XXXX, et al. The debt collector was granted a default judgement on XX/XX/XXXX. My last payment on this credit card was 2 years earlier. I was granted 3 claims of exemption from wage garnishment and had 2 bank liens. Currently XXXX XXXX has a lien on my bank account, XX/XX/XXXX. I believe that this debt is time barred and is illegal to collect. There is another firm involved called CACH , LLC. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I been receiving phonecalls at workplace..And The man was rude..and said that he will garnish my paycheck if I don't take care of the debt..I keep repeating to pls not call at my Job ... and they keep doing it..This debt is more than 16 years old and they keep sending letters also..
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
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: I have a loan with XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Company Response:
State: IN
Zip: 46221
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
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: 02125
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX bank card XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards. I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt. In both cases I have never received any information on the bank card. It is outrageous that neither XXXX XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be. Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this especially due to the current pandemic I have few options.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX XXXX card XXXX. My credit limit was only XXXX and they say I owe XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards. I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt. In both cases I have never received any information on the bank card. It is outrageous that neither XXXX XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be. Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this and consequently especially due to the current pandemic I have few options. I am asking to resolve the situation with the receipt of information from LVNV with proof of the debt, in detail including all items, debt owed, interest or other charges and for the elimination of the negative reporting by XXXX XXXX and with LVNV to negotiate a settlement of the correct debt and the elimination of the negative reporting on my credit report.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This item came to my credit report. originating from XXXX. in 2019 I became deathly ill.. I contacted all creditors and explained my situation. asked if I could pay a lower amount because of hardship. XXXX took my payment. as far as I know, it was supposed to be paid in full.. then this came to my report.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I been receiving phone calls of harassment, profane and abuse language, threats of been arrested and sent to jail from LVNV Funding for a debt of {$220.00} from the original creditor, XXXX XXXX XXXX XXXX XXXX, XX/XX/2015. The debt is the result of identity theft. The debt is not my debt. Its a fraudulent account and debt from the result of identity theft.
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A