Date Received: 2020-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has emailed me about this account that does not belong to me. I have asked them to REMOVE this off my credit report more than once. They sent me a credit card statement. I told them I don't recognize that. I have asked for something with my signature on it but they have failed to do so. I went to my local counts to file a suit but they told me I will have to file it where the company is registered at. I will do this once covid19 is over.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/XXXX LVNV Funding LLC Original Creditor- XXXX XXXX XXXX Dear Sir/Madam, Re : Original Creditor- XXXX XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$160.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. Sincerely, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
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 XXXX, and LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Company Response:
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Lvnv funding LLC is in Violation of FDCPA section 809b. I did not receive notice of dispute prior to the company reporting Account to the credit bureaus. A violation of FDCPA
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This agency has harassed me all weekend starting from XX/XX/XXXX at XXXX till today XX/XX/XXXX. I work everyday from XXXX and they do not stop calling me XXXX XXXX is the name of the associate that is harassing me.
Company Response:
State: CO
Zip: 80031
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX is previous complaint filed XX/XX/2020. I sent a Police Report ( XXXX XXXX Sheriff 's Office ) to CACH on XX/XX/2020 per their request. CACH never replied to me but sent my file to : XXXX XXXXXXXX XXXX in XXXX. The letter was dated from XXXX XX/XX/2020. XXXXXXXX XXXX XXXX requested a completed Identity Affidavit ( they enclosed ) and I completed and mailed it ( Priority Mail ) to XXXXXXXX XXXX XXXX on XX/XX/2020. Again, it was sent completed and with a Police Report. I have heard nothing from CACH or XXXX XXXX XXXX. It is now XX/XX/XXXX and they are still reporting on my credit reports as of today. I have allowed extra time due to COVID, etc but I have complied with every request they have asked for. I am asking for this account to be resolved, removed from my credit files.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My credit repair company has sent out numerous dispute letters to LVNV funding LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and as you can see through my company 's response letters LVNV Funding LLC has not followed up with a response letter or if they did it was a stall tactic which didn't provide proof of debt validation. Also, On XX/XX/XXXX, I sent out a pay for delete letter by certified mail to lvnv funding llc. In the letter, it stated the debt collector had 10 to 15 days from the date they received it which should've been received by the XXXX of XX/XX/XXXX on their end to reach a settlement agreement or else send full proof of validation. Its XX/XX/XXXX, which is well over the deadline and I still haven't received any correspondence letters from LVNV funding llc. Under the FCRA law, this account should be deleted from all 3 credit reporting bureaus being that its been well over 45 to 60 days since a response.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: i had sent various letters to the various collections agency first letter i send to went to XXXX XXXX on XX/XX/2020 there was no actions taken i asking them to show some type of validate to verify that this account belong to me didnt get much of anything. next i wrote to LVNV funding in XXXX XXXX around XX/XX/2020 mail was returned business dont have a valid address. Finally i wrote to Resurgent Capital Services i wrote them around XX/XX/2020 they told me not to be sending duplicate request and sending some type of bill statement which is not a legal binder showing that the account is mine showing that the account is mine i asked for verification showing me anything showing with a signature on it Nothing i need this to be deleted from my account it is hinder me on obtained credit
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A