Date Received: 2020-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been disputing a debt with Resurgent/LVNV Funding for the past 6 months with no luck. They have been reporting to the credit bureaus as well and I have also tried to dispute the validity with the credit bureaus with no luck.
Company Response:
State: MA
Zip: 01841
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XX/XX/2019 my bill for {$320.00} dollars did not go through when it was on auto-bill. I reached to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this collection. I now cant get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
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: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: They are garnishing my wages and getting almost {$500.00} a month. My husband lost his job and we can not afford this. I have been trying to work with them to reduce the amount of the garnishment and am willing to pay them half directly, but they will not work with me. We will be forced to file for bankruptcy and then they will get nothing.
Company Response:
State: NY
Zip: 14220
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: on XXXX XXXX an account was reported on my credit which is believe is completly incorrect and needs to be removed. I was been difficult for me to obtain a place to live due to this account and I need it removed on XXXX XXXX a account was reported negatively to my credit which have made it hard for me to obtain new credit. Due to Covid-19 I was unable to settle the account and I believe this is unfair and should be resolved
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
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: 02301
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received an email message from XXXX XXXX XXXX on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX XXXX XXXX ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX sold my account to LVNV Funding several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of LVNV Funding. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, LVNV Funding continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXX XXXX XXXX message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX XXXX XXXX, XXXX If we are unable to assist you while your account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} Twenty consecutive monthly payments of {$25.00} XXXX XXXX XXXX has implied there is monies owed to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX has misrepresented on whom they are acting on behalf, XXXX XXXX XXXX sent a clear text message to a shared email address containing confidential information, XXXX urges immediate payment or face to the account being recalled and sent to a lawyer, XXXX XXXX XXXX implied they have been trying to reach me, this was the 1st communication I had received from XXXX XXXX XXXX. LVNV Funding had been notified of the balance dispute via a direct filing with the credit reporting agency. LVNV Funding has not taken any action, nor provided any response to the credit dispute. In countless way, XXXX XXXX XXXX and LVNV Funding have violated rules under the FDCPA.
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company is continuing to send me collection letters when I paid the debt off already on XX/XX/2020. There is no longer any debt owed.
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have no recollection of this debt. They used to be LVNV Funding but I guess they went through bankruptcy, so I don't know if I would still owe a debt. now the company name is Resurgent Capital Services and there is no option to make a payment, no account number listed, and no amount of debt listed that I owe. All that is listed in my email. I would like to get this debt account removed from my credit file asap.
Company Response:
State: MN
Zip: 55318
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Thank you for taking the time to review the complaint. After reviewing credit reports in depth. XXXX XXXX 's third-party debt collector continues to collect a debt that is no longer owed due to the statute of limitations and currently established with XXXX XXXX. Requesting emails and different types of attempts ceased.
Company Response:
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A