Date Received: 2020-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, XXXX XXXX sold my debt to LVNV Funding LLC. I received a letter from XXXX XXXX after filing a dispute that the account should not have been in collections and as a result they removed trade line from my credit. They also stated that I should reach out to LVNV Funding to explain and provide the letter so that they can cancel the trade line. LVNV refused to acknowledge what happened and refused to do anything about it. I would like for the LVNV to remove the trade line off my credit.
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing inaccurate reporting on my credit report. LVNV FUNDING keeps saying I owe a debt, but I've never done business with them or XXXX XXXX XXXX.The account number is XXXX. I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number etc and how the debt was verified. They've yet to do so because they don't have this information. I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off my credit report.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My debt is with XXXX and my XXXX credit card was closed before it went to XXXX XXXX. So I get a letter from Sherman Originator lll, LLC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, I thought I just settled this, I have no money no job and I'm not receiving any government help like snap or food stamps. I be been laid off and never return to a job for 17 years. My future of money or income is of no guarantee. Any assistance I do receive will be to pay for food and shelter. Again I have no assets. There's too many people trying to sue me one person for money I will never ever ever get a credit card again.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/XXXX, I have received a letter in the Mail from XXXX, XXXX, and XXXX. On XX/XX/XXXX XXXX The letter was received by someone else ), I have sent them a copy of the original debt collection letter, along with what I have received from the original collector. This was sent by certified mail article number : XXXX XXXX XXXX XXXX XXXX In XXXX, I called requesting an update, and spoke with a Mr. XXXX XXXX. Advised that I sent them the letter, and still waiting for a response, and wanted to know why that item is showing on my credit report when i have it in a dispute status. I was told that they never received the items, and I told him what I'm requesting for validation ( signed applications, and at least three statements that one must show a charge ). I have received three statements, but nothing showed a charge on them ( How can I verify I actually had a charge, if all I see are fees )? How can I verify that I actually signed an application for what they are collecting for, along with the interest rates? On XX/XX/XXXX, I have sent a second letter to them certified mail article number : XXXX XXXX XXXX XXXX XXXX One reminding them that I'm still waiting for the verification documentation, along with an initial settlement offer since. Today XX/XX/XXXX, I pulled my credit report, and this item is still showing on it as a collection item. It has been in a dispute status XX/XX/XXXX.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is a somewhat convoluted situation for which I hope a solution may be found. I had two accounts with XXXX XXXX. Unfortunately I became severely delinquent with the accounts and was notified via email XX/XX/XXXX that the account would be closed. I continued to receive notifications via email that my XXXX and XXXX statements were available XX/XX/XXXX, XX/XX/XXXX. In addition to statements I was informed that new documents were available to me XX/XX/XXXX -May statement for account 1 and XX/XX/XXXX for XXXX account 2 XX/XX/XXXX I also recieved 2 separate emails for New Document posted account 1 I attempted to retrieve said documents from my online account but was unable to access it and a message said to call customer service which I did. I was informed the account was closed, but because I had documents available I would be allowed to access my account, they informed me that I should try again the following day. I was, and still am unable to retrieve any documents posted to EITHER account and received no written documentation as to the status of either account. I was fortunately able to pay both accounts {$2800.00} paid date XX/XX/XXXX {$790.00} converted to an ACH paid date XX/XX/XXXX. I accidently wrote the incorrect account numbers on the checks the {$790.00} was supposed to be for account 1, and the {$2800.00} was for account 2, as such XXXX XXXX XXXX was paid, and ACCEPTED/CASHED the payment to them for both accounts. I still had not received any documentation concerning these accounts and I was still denied access online. I called customer service on XX/XX/XXXX and explained the situation, they said that the account had been charged off, but they did see that payments had been made to XXXX XXXX. I explained that charged off accounts do not mean they cant be paid, and that I paid and XXXX XXXX accepted payment. Customer service again said that I would receive documentation from XXXX XXXX Concerning the status and payment. That was the second week of XXXX. I called back on XX/XX/XXXX and again stated that I had received nothing for EITHER account and do not have access to any documents online and by consumer right, I must be given documentation demonstrating payment. I was assured that I would receive documentation. On Monday, XX/XX/XXXX I received an email from XXXX at Resurgent Capital Services that I was 3 steps away from a special offer for a sold account 1. On Tuesday, XX/XX/XXXX XXXX I received 2 letters. One letter from XXXX XXXX dated XX/XX/XXXX stating that account1 had been recently sold to LVNV funding, LLC One Letter from Resurgent Capital Services, dated XX/XX/XXXX stating that effective XX/XX/XXXX, LVNV Funding LLC had placed account 1 with Resurgent Capital Services L.P. for Servicing. I have received NO information about account number 2. XXXX XXXX has reported the accounts as charged off and sold not paid. All of this is dated AFTER XXXX XXXX already accepted payment for both of the accounts. I sent emails to the supervisor and VP of customer service on XX/XX/XXXX and XX/XX/XXXX and placed a call to customer service which rerouted me to a foreign call service bank which said they could not help as the account is no longer theirs. I continue to get emails from Resurgent attempting to collect this fraudulent debt.
Company Response:
State: NJ
Zip: 07866
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
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: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
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: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed identity theft claim reference number ( XXXX ) remove this negative item off my credit please.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A