Date Received: 2020-06-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Resurgent Capital Services has consistently hit my credit monthly about a debt in the amount of {$4500.00}. They have not provided me with documentation from the original creditor to detail the debt. This account from the original creditor was closed and the amount was charged off.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-01
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 result of identity theft
Consumer Complaint: Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Company Response:
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a request for payment from Resurgent Capital Services for an unpaid credit card issued by XXXX in the fall of 2019. I have written the credit bureaus to dispute the amount of XXXX I have written and called the collection agency over 20 times in the last 8 months. I have provided proof of payment in the amount of {$99.00} that was cashed AFTER the account was closed and never subtracted from the balance. I have provided proof that the money order was cashed in XXXX 2019. I can not find the receipt XXXX money order ) for the XXXX so I paid it last month. My balance is now XXXX but they continue to not research, read the proof and correct this error of {$99.00} that was cashed in XXXX 2019. The last XXXX statement shows charged off on XXXX XX/XX/2019. But XXXX XXXX receipt is dated as cashed on / around XXXX XXXX, 2019 which was not returned to me or applied to the closed account. I have repeatedly asked the company for a correction. I refuse to pay what has already been paid. Is this fraud, greed or incompetence? I don't know but it is ridiculous and a lot of time has been spent on an obvious proven error. They have everything needed to fix this error.
Company Response:
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My name is XXXX XXXX XXXX and LVNV Funding and XXXX, XXXX and XXXX are using predatory debt collecting pratices to extract additional fund from by self because this company is a third party not orginator has falied to inform the Orginator of the payment that I have already made. With that being said this company vicious debt collecting pratices have taken steps to retrieve monies from my empolyer thought that court system. I am informing this Federal Agency that tactic is illegeal when paymenst have been made drectly to the orginator. I am in need of your direct assistance with this matter. Thank you XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed this account in my credit report and I have no knowledge of. And I never had this account or credit card. This was not me. And I need this fixed.
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I fulfilled the settlement amount {$500.00} to Resurgent Capital Services L.P. for the original creditor XXXX XXXX ( XXXX XXXX XXXX ) ; the agreed amount of {$100.00} per month for five months was collected from my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which completed the {$500.00} settlement amount. Yet, on XX/XX/XXXX Resurgent Caital Services/LVNV Funding had XXXX XXXX XXXX XXXX send me a letter requesting additional monies for this debt. Then, on XX/XX/XXXX Resurgent Capital Services/LVNV Funding LLC had XXXX XXXX XXXX XXXX send me a letter requesting additional monies. Equally as important, I have received letters from Resurgent Capital Services requesting additional monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though the agreed upon settlement amount of {$500.00} was paid in full on XX/XX/XXXX. But, I continue to receive threatening letters regarding this debt which was paid in a settlement of {$500.00}.
Company Response:
State: FL
Zip: 33544
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2019, XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX sent a summons for court on behalf of XXXX XXXX XXXX for the amount of XXXX. In XXXX we had pre trial conference in which I stated this was not my account. Documentation was sent back and forth and in XX/XX/2019 we were set for trial. The judge ordered the case to be dismissed in XXXX because LVNV Funding did not want to proceed due to lack of evidence. I requested this account be removed from my credit report which is was but then put back on my credit report.
Company Response:
State: MT
Zip: 59101
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. After sending several requests for validation for this debt in writing beginning in XX/XX/XXXX, the company then deleted the item. However, months later, they would illegally re-insert the item to credit report again. This has happened at least four different times. The most recent being XX/XX/XXXX sending a debt validation letter only to have them once again illegally add and report he information to credit reporting agencies again in XX/XX/XXXX.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have finally managed to get LVNV Funding off my credit reports due to them reaging a time-barred debt, but when I applied for a mortgage loan I found out that they had a small claims court order against me made in 2016 that I had no idea about and never received notice of. In addition, when I sent a request for verification of the debt I never received any response and to this day have never received information about this debt other than the court documents I found out about through my mortgage loan application.
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Amount of debt : {$730.00} The address is different from XXXX XXXX XXXX XXXX, MI XXXX ... .another address XXXX XXXX XXXX XXXX , SC
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A