Date Received: 2020-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: debt collector said they were send the account back to the original debtor and I have received a letter saying that I am not responsible for the debt however they are still reporting it on my XXXX credit report LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXX {$980.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$980.00} {$980.00} Payment Info Original loan amount {$980.00} Balance {$980.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX
Company Response:
State: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had this debt ... I have asked them to validate it multiple times and they won't ... They keep saying that they sent me debt validations, but haven't ... I asked them to email it to me, they said that they don't have access to email ... Said that they have never had email access ...
Company Response:
State: VA
Zip: 24112
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In 2017 XXXX suffered a security breach that leaked the data of XXXX XXXX Americans including myself, as a result of that several accounts have been opened in my name and placed on my credit file. I have hired a lawyer, and as of today I have filed the papers for civil suit and I will be bringing this information forth to a judge in my area.
Company Response:
State: AL
Zip: 35235
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
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 enrolled in a Debt Management program through XXXX XXXX XXXX in XX/XX/XXXX. I received an email from XXXX XXXX XXXX in XX/XX/XXXX advising a settlement had been reached with one of my accounts with XXXX XXXX. Dear XXXX, XXXX XXXX XXXX has some exciting news for you. We have a settlement proposal for your review. XXXX XXXX XXXX has received a verbal commitment from one of your creditors to settle one of your accounts. Below are the terms of the offer : XXXX XXXX XXXX XXXX - XXXX Current Balance Owed to Creditor - {$1200.00} Proposed Settlement Offer - {$550.00} Number of payments - 12.0 Monthly Payment o XXXX XXXXXXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} Total Savings - {$650.00} I am sure you are as excited about this settlement as we are! If you have any questions, please call our Customer Service team at XXXX. To approve this settlement, please click this link : Thank you, Client Success Team XXXX Toll-Free XXXX Fax XXXX That same month, XXXX XXXX sold my account to LVNV FUNDING LLC a collection agency, which now reflects as such with all three credit bureaus. On XXXX, I contacted XXXX XXXX XXXX via email to advise of the collection account. They responded back the following ... Dear XXXX, Thank you for contacting us. The final payment to XXXX XXXX was completed on XX/XX/XXXX. Please allow up to 90 days for the creditor to update their records. If at that time your account is reporting inaccurately on your credit report or you continue to receive statements/collection letters, please reach out to our Client Success team and we will work with you to rectify the situation. If you have any further questions or concerns, please reach out to our Client Success Team at XXXX or at XXXX between the hours of XXXX XXXX XXXX ( ET ) XXXX XXXX. Temporary change in hours until further notice : Monday Friday from XXXX XXXX to XXXX XXXX XXXX. Thank you, Client Success Team XXXX XXXX XXXX XXXX At that point, I attempted to dispute the error with XXXX, XXXX, and XXXX. XXXX, and XXXX stated the following ... Historical Info Original Creditor XXXXXXXX XXXX XXXX XXXX Contact Info Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This item was updated from our processing of your dispute in XX/XX/XXXX. This will be my 3rd attempt to contact XXXX via email to see if they can contact this collection agency to make them aware of my settlement agreement ... Meanwhile it appears I continue to make payments to them for the XXXX XXXX account.
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Upon receiving notice from this company I Have never done any business with I requested they explain themselves and forward me a cop y of any contract i signed with them. My affidavit clearly stated they could take NO FURTHER ACTIONS against me until they lawfully validated and verified the debt. I heard no response from them though I forwarded them 3 different letters/affidavits, official legal documents. I heard nothing for months. Then I pull my credit report only to find a new " debt buyer '' as XXXX XXXX labels them to be listed on my credit report dropping my score 48 points! I called them to no avail. I rude and combative representative was not even listening to my request. I requested to speak with her supervisor, was put on hold for 25 minutes and hung up on. This company is a scam " debt collector '' utilizing illegal tactics, threat, duress and coercion. How they bring a matter to court, obtain an unlawful judgement without proof of service or ever filing a legal document and contacting the primary is beyond me. Please help!
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am writing to inquire if you could help me with an aggressive collection company named XXXX XXXX XXXX. The credit card debt from my Bank XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX. They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments. I am XXXX and work part time as my condition permits. I have limited set income each month. In XXXX, XXXX XXXX XXXX took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment. Since XXXX has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken. Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay. In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer. All I can pay at the most is {$20.00} per month. I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand. Why if I have consistently paid the debt for more than eight years, should I be hounded by people who have bought my debt for pennies on the dollar? Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged. Any guidance you can give is greatly appreciated.
Company Response:
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-28
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 submitted a letter disputing the accounts to LVNV funding. they responded telling me that they only had to respond to one and not respond multiple times. Please see attached letter dispute that they failed to respond.
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2020-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX said I opened a account with them in XXXX. I did not they claimed I owed XXXX dollars, then in XXXX reported on my credit i didn't pay them. After contacting them several times they had no answers for me. Finally in XXXX they agreed to remove remarks and debt owed that was not mine. Now they sold a debt that isn't mine to another company who now states I owe them XXXX for the original debt of XXXX due. Fraudulent account reported on my credit a number of times with different amounts
Company Response:
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2020-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX closed my credit card account ending on XX/XX/2019 with a balance of {$420.00}. I made monthly payments towards the final balance of $ XXXX/mo. The company then sold the debt to Resurgent Capital now with double the actual amount I owed at the time of forced closure of my account.
Company Response:
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I owed the Original Credit which was XXXX XXXX XXXX and after they charged the debt off they sold it to LVNV Funding who is a debt buyer in XX/XX/2016. LVNV Funding hired a collector by the name of XXXX XXXX XXXX to try and collect the debt. XXXX XXXX XXXX sent me a settlement letter and I submitted the settlement amount as required and they won't update the credit report showing the debt has been settled. They have it showing that I still owe {$530.00}. Also the statue of limitations on old debt is 3 yrs and it is over 3 yrs and they are still trying to collect. See attached info.
Company Response:
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A