Date Received: 2020-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive disputed this account with the credit bureaus and they will not remove this from my report. The young lady I spoke to was terribly rude. Ive called them several times and I even asked if the had the original company phone number and she rated stated that she didnt have that information.
Company Response:
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have complaints with LVNV : 01 XXXX XXXX XXXX balance they claim is the original creditor. The account was opened in XX/XX/2018. At that time I was in XXXX shelters without enough income to qualify or need a credit line. My mail was still being sent to XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX. I think it was stolen from the mailbox, and a card account was made illegally. I do not owe this amount, and would like this taken off my credit report along with derogatory remarks.LVNV also has a XXXX XXXX XXXX XXXX account that I am not aware of the amount of that is XXXX. I'm not sure of it's origin. I did not apply for this card. It has derogatory remarks that I would like removed from my reports.XXXX XXXX XXXX has been paid in full, and I would like it taken off of my report, and any derogatory remarks.XXXX XXXX XXXX XXXX a former XXXX XXXX Account has been paid in full, and I would like it taken off my credit report, and any derogatory remarks.XXXX XXXX orginial creditor 08 XXXX XXXX is being settled as soon as they send me a letter stating they will take the derogatory remarks off my report, and report as a settled account. It also was a charge off, and I would like any charge off accounts that are paid or settled removed. XXXX XXXX XXXX has an orginial creditor account with XXXX XXXX I am unaware of its origin. I would like it removed from my report, along with any derogatory remarks. XXXX XXXX XXXX has a closed account I would like removed along with any derogatory remarks. I was in XXXX shelters, and my XXXX did not pay the car bill. I relinquished the car after I found the address he was living, but they will not remove the bill, or remarks. Considering the situation I would like this deleted. The car loan was XXXX. I relinquished the car willingly, and they still want XXXX. I had already paid 2 1/2 years of payments of XXXX. They sold the car at auction and got XXXX for the car. I'm not sure how they're math is possible, or their morals. I would like any derogatory remarks removed. XXXX XXXX XXXX XXXX has an account I do not know what is. The way it is listed it looks like an account that was paid every month, but wasn't used frequently. It was closed while I was in XXXX shelters. Please remove it and any derogatory remarks or charge offs from my credit report. The credit limit is XXXX and the amount owed is XXXX dollars since the account was always paid.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, LVNV FUNDING LLC ), and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX XXXX method of verification ; because I dont believe the investigation Is being conducted in good faith. XXXX XXXX XXXX - ( {$2600.00} ) XXXX XXXX XXXX XXXX - ( {$1500.00} ) LVNV FUNDING LLC - ( {$650.00} ) Sincerely, XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I reached out to Resurgent Capital Services ( owner of LVNV Funding LLC ) to ask the TOTAL payoff amount of my Acct # XXXX. The original debtor was for an XXXX XXXX credit card account. Associate on the phone advised me ; " the total payoff amount TODAY is {$240.00}. '' I paid that exactly that amount by phone on XX/XX/XXXX. Yet today ( XX/XX/XXXX ) I received a letter stating the {$240.00} I paid was the " 1st installment in a payment arrangement. '' This is inconsistent with what I was told by telephone. So despite my paying this account in full, I find myself being extorted for another payment in the same amount ( much more than the original debt ). And the company has not even posted the payment I made to the credit bureaus. When I made the settlement payment I asked the associate when would a letter be sent to me confirming the paid off status so I can submit it to the credit bureaus. She stated " we have already posted paid off 's for this month, and will not post again until next month. It won't be reported to the credit bureaus until then. '' It has already been one month, and my paid off status has not been reported to the bureaus. The demand for a second payment is fraudulent.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company, LVNV Funding have collection in my credit file. This is suppose to be from XXXX XXXX. I have never had credit card in question. I have ask for any written document that shows my signature but they have failed to provide any evidence. I have filled two identity theft with FTC and have submitted that to them. I have also filled a copy from another company but still they are still have this collection on my file. I have send a copy of my lease indication where I have resided since 2000 and still no respond. My next move is to file action against these company in Small Claims Court. I will mail copies of my lease and some more documents.
Company Response:
State: NC
Zip: 27704
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC is attempting to collect on a debt as well as Resurgent Capital Services. A collection agency can not collect on the behalf of another collection agency as if they are the original creditor. Therefore it is a violation and I will like the collection deleted. I have emailed the ceo to settle the debt. I will like the violation of the credit collections deleted off my report.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020, I noticed I received a tradeline on my Credit report from LVNV Funding, LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/20. Ive obtained all receipts and signatures that my letter was accepted by the agency. By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/2020 and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Opened XXXX XXXX sometime XXXX. Sent to collections XX/XX/XXXX. They left my account open and charged enormous amount of fees. Now owing XXXX from a credit card of XXXX. I made 1 payment, then fell upon hard times with my husband out of work. Credit limit was XXXX. I believe there was an annual fee. Most of the XXXX was fees etc. I talked to XXXX at lvnv funding and tried to explain I need printout of fees etc. I never received anything since XXXX. I talked to a lady a couple days ago. And asked for printout of fees. Nothing, instead sent my file to collection.
Company Response:
State: WA
Zip: 98520
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by XXXX XXXX XXXX, XXXX. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information.
Company Response:
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A