Date Received: 2020-08-12
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, 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, XXXXXXXX XXXX XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: wow! this one crazy so I called a Lvnv funding llc and they told be I had " leased a dog '' XXXX!???? I told them no I did not they refused to delete and keep say this is my account even through the information does not match help!!
Company Response:
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am the owner of a XXXX XXXX ( XXXX XXXX ), and I own all the share, and I am the holder of all the XXXX postions. I took a commercial mortgage out in XXXX with XXXX XXXX XXXX in XXXX, and we renewed every 4 years. In XXXX my credit rating went down, but I never missed mortgage payments to XXXX XXXX, yet I was sometimes late. I paid my original balance from XXXX to XXXX, and we could not reach a deal in XXXX, so XXXX XXXX XXXX sold my note to a company called cach llc. Cach llc then offered me a deal to pay off the note in 36 installments at {$1000.00} per month. I paid the note off in XX/XX/XXXX which was way ahead of schedule. Cach llc went bankrupt and Reusurgent Capital Services out of XXXX, sc ended up with my paid off note, and I think mortgage. I thought I was mortgage clear. I got an offer to buy my building in XX/XX/XXXX, and when the buyers title company contacted me I discovered my XXXX had a mortgage lien. XXXX XXXX informed me that Resurgent Capital had the mortgage and the note. So I am sitting here with a chance to sell my paid off property and I have a mortgage lien which should been released in XXXX. Myself and the lawyer for the title company have called XXXX XXXX and resurgent capital services, and we have been bounced around from one person to the other, and we even sent certified mail giving them a 15 day notice, and letting both companies know the ohio law. Resurgent nevers gives us a contact person, and when we speak to someone they give us a first name, and you never get to talk to that same person when you call. Reurgent claims XXXX XXXX XXXX never assigned the note, and XXXX XXXX said they can not release the mortgage. I do not want to lose my buyer. My loan is under my XXXX XXXX XXXX XXXX. I need your help to tell these people to release my mortgage so I can sell my building. Reurgent agrees I paid off the note, and I can not understand why they are holding my mortgage and note, and XXXX XXXX is not cooperating. My buyers even gave me down payment earnest money.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I did not have the opportunity to dispute this account. I was not of aware of this debt. Also, please provide assignment of debt, validation of debt, method of validation of debt for this account. XXXX XXXX XXXX XXXX # XXXX
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Around XX/XX/2020 I received a letter from XXXX XXXX XXXX on behalf of LVNV Funding trying to collect money I do not owe. They are making false statements in regards to amount to be collected which I never heard of. I submitted a dispute of the validity of the debt and any portion there of according to a paragraph from there own letter and the rights the law gives me as a consumer. LVNV Funding nor XXXX XXXX replied to my letter of validation. I advised in the letter not to report any information to my credit report because this account is not yet validated. On XX/XX/XXXX, I received notification from XXXX that LVNV Funding reported a collection to my credit report. This is a straight violation of the FDCPA laws and or FCRA laws.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
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 LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : 11 XXXX XXXX ). 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, LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Originally disputed this fraudulent account back earlier around XXXX and was able to remove it from my credit report. I then now fast forward to XXXX on XX/XX/XXXX received a call from this debt collector around XXXX XXXX to my personal cell claiming to have an account which I owed debt to. I argued and insisted that the debt wasn't mine and wasn't legal or binding as it was a result of identity fraud which I had already spoken with the original creditor XXXX XXXX XXXX to remove and close the fraudulent account that was opened without my permission and authorization as I was legally not able to enter any binding contract and lenders like the bank and debt collectors couldn't collect unpaid debt for this credit card as the account opened at the time was a result of identity theft and the fact I was under the legal age of 18. The account was opened 5 years ago prior to when I could of entered into a binding contract with lenders which was this account was illegal and fraudulent account being opened as I had no method of paying back any debt as I had no independent ability to pay any payments for any form of debt. Under the Credit Card Act this law states 226.51 ( b ) ( 1 ), credit card issuers can not open a credit card account for consumers under age 21 unless the applicant submits a written application as well as having financial information that the applicant must have the independent ability to make minimum payments for the credit extended. Both of which I never had first given any written signed application to the lender and second being able to financially pay for this debt. XXXX XXXX XXXX has since then removed the fraudulent account from my report but however I got this call with a lady speaking on the phone claiming this is a valid account ( which I also have a recording of the call ), trying to convince me that this is a valid debt as if I didn't know any better and provided information such as my DOB being incorrect and stated herself the account was opened in XXXX and threaten to damage my credit which I had just started building upon recently. I've reached out to the collection agency regarding this account as it shows it's from XXXX back when I was merely XX/XX/XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID as well as filed and attached the FTC Identity theft report to provide valid proof and information that this account was opened under fraudulent methods and the repeated calls and letters being sent that they are doing are illegal yet no action from them has been taken to stop this. I'm already thinking of filing a police report if that to help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me. At this point I'm considering reaching out to a lawyer to the state attorney general.
Company Response:
State: NY
Zip: 11414
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2020, I received out of nowhere 2 collection letters from Resurgent Capital Services/LVNV Funding LLC for {$3300.00} and {$4600.00} respectively. On XX/XX/2020 I certified mailed this company Debt Validation request letters with return receipts so i would have proper records that the company received the requests. On XX/XX/XXXX, and XXXX 2020 i received the signed return receipts stating that the request letters had been received. On XX/XX/2020 I received a phone call from the company in regards to these 2 collection accounts in which at that time I advised the representative that i wished to only be contacted via mail and made her aware of the validation requests. As of this date XX/XX/2020 I have not received any validation information from this company and furthermore have received not communication via mail as requested. Today XX/XX/2020 I received notification from my credit monitoring service the these to collections have been placed on my credit reports as negative items. I am deeply upset as to why this company would do this as I requested Validation and the have never validated the debt. I also believe this is a violation on my consumer rights.
Company Response:
State: TX
Zip: 77586
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
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: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had an unknown collection account appear on my credit. I first contacted the original creator who in this case was apparently XXXX XXXX XXXX. I spoke and sent them a letter along with the Fraud Affidavit and the account was removed. After that the collection account that was associated with the debt was removed. Now that I am in the process to get financed for a loan that collection account that was once removed has been reinserted to my credit report and has affected my chances of being approved, To date, I have not been contacted by anyone in this regard. The collection company is also alleging the account XXXX has been an open collection since 2016
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A