Date Received: 2020-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid lvnv funding on XX/XX/2020 XXXX as payment in full towards a XXXX XXXX XXXX credit card balance of XXXX. The agreement was the settlement would mark the item paid in full. To date this has not been removed from my credit report. They have advised that the deletion was sent to the credit bureaus- however I have confirmed with all three that they have not received it. I have since tried to call and resolve this with them they will not help me I have requested supervisors and they will not allow me to speak with anyone who can help me.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
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: We filed a CFPB Complaint # XXXX against XXXX XXXX for Account XXXX in regards to the reporting of inaccurate information concerning : a ) an outstanding balance and b ) account reporting as charge off account. A payment was made to the original creditor XXXX before merging with XXXX XXXX. Some how that last payment has vanished and now XXXX is stating that they transferred the account to Resurgent Capital Services, LP. The problem with that is my credit report only shows XXXX as the company that has reported or reporting on this account. XXXX XXXX seems to have made no effort to investigate before responding to the CFPB Complaint which is discouraging. The payment was made while the XXXX merger so its on XXXX to fix this issue that is harming my credit scores with inaccurate account information.
Company Response:
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV Funding XXXX : This debt has been paid. Its reporting as open and has a balance. That is inaccurate. This information needs to be deleted due to the fact that I no longer owe this debt.
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The Co. we are making the complaint against is : Resurgant Capital Services L.P. Sherman Acqusition, L.P. regarding an old XXXX Credit card from XXXX. There were 3 judgments made : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX first for {$4800.00} then jumped to {$9700.00} don't really understand how they could even try to collect {$4000.00} let alone XXXX the credit card itself was only a couple hundred dollars. I bought my home XX/XX/XXXX didn't even know about this Company or that the credit card still existed until they garnished wages after the 3rd judgment was made in XXXX, they also attached a lien on my home, we filed Bankruptcy XX/XX/XXXX. Bankruptcy was discharged XX/XX/XXXX so debt is NOT owed but they never released the lien. We have been trying to get a hold of Resurgant Capital Services L.P. for the last 45 days first phone call was XX/XX/XXXX told us to call back within 5-7 business days, called back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, at least once a week since then, last phone call made to them was today XX/XX/XXXX, We have even asked to talk to a Supervisor. Every time we call they tell us it is under review, call back on a certain day ... We just want paperwork with release of all judgments and lien and they keep telling us the same thing, it's under review. They have our paperwork / file right there what else do they need to review?!
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company LVNV Funding LLC is reporting inaccurate information to my credit profile. I did not give them consent to use my personal information nor did I sign a contract with this company. I filed a complaint with the XXXX as well which I will attach below.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company LVNV FUNDING LLC is still reporting this account to XXXX, XXXX and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the credit report. I dont want this company saying that this isnt me, doing this complaint because it is I.
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: During the month of XX/XX/XXXX, I reached out to LVNV Funding regarding an outstanding debt in the amount of {$660.00}. The original creditor : XXXX XXXX sold this debt to LVNC. LVNV informed me the debt was now being managed by XXXX XXXX XXXX on behalf of LVNV. Once paid, XXXX XXXX XXXX would process the payment, then contact LVNV to update the credit agencies to remove the negative item from my report. We negotiated an amount of {$370.00} to be paid no later than XX/XX/XXXX, please review the letter from XXXX XXXX XXXX attached, dated XX/XX/XXXX. I made the payment online at XXXX on XX/XX/XXXX for {$370.00}. After several denied disputes with XXXX, I continued to contact both LVNV and XXXX who stated a payment was never made. Attached is the receipt and a copy of my bank statement showing a debit in the amount of {$370.00} processed on XX/XX/XXXX and the payment confirmation dated XX/XX/XXXX. Just recently, I received a letter from Resurgent Capital services stating they were now managing the account for LVNV Funding LLC. Please see the attached letter. Again, I am requesting a letter showing I have paid per the agreement and this information be updated with the credit agencies as soon as possible. Thank you, XXXX XXXX
Company Response:
State: MA
Zip: 02048
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: CACH LLC, a Company I have no idea who they are, and XXXX XXXX XXXX are trying to collect a debt. from me. As far as I remember, I never signed any documents with the mentioned above organization. I had in the past a loan with the XXXX XXXX for a loan. I was making my payments until I lost my job in XX/XX/2015. Even without any income, I continued making my scheduled payments until I ran out of funds. At that point, I informed XXXX XXXX about my financial hardship and they agreed to work with me on making moderate Goodwill payments and try to keep the account off my credit. After several months of making payments, I got a call from claiming payments on the account and demanding a higher amount than the amount discussed with XXXX XXXX. They never identified themselves or said who they were. In fact, anytime I asked, the customer service rep would give me an evasive answer, implying that they worked for the XXXX XXXX. Under the assumption that they were still my lenders, I agreed to the new higher payments.I had checked my Credit Report, months ago and it was noted that the account had been written off, I kept making payments. During this period even when I was paying, calls kept coming several times a day When I could finally answer, new demands for higher amounts were demanded Because I was paying religiously, I asked first of all, why were they changing the amount when we had an agreement, ( Funds were being withdrawn from the bank ) why was I getting so many calls at work when they weren't supposed to do so especially because I was making payments, and more importantly, who were they. At this point I informed them that I was more than happy to continue with the arranged payments, but demanded to know exactly who I was dealing with. They refused to give me any information and I informed the person calling that until they could tell me exactly who I was doing business with I'd stop payments. As I mentioned before no written communication was given. And recently I found out that a third party Collection Agency named XXXX XXXX, XXXX has joined the venture. CACH LLC among other thigs, failed to provided the requested information and expected compliance. The stop payment occurred because THEY refused to provide the requested information. They also : Called several times during the day, and harras me every time I answered the phone ; Used lies or deceptions to collect the debt. They before and XXXX XXXX now, implied they could garnish my wages. All because they failed to communicate.
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 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}.
Company Response:
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A