Date Received: 2020-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: In the crash of 2008, XXXX XXXX wrote off my credit card debt while I was in Chapter XXXX. A few months ago, I started getting letters from Resurgent Capital Services L.P., XXXX XXXX XXXX, XXXX MI XXXX. They use XXXX XXXX XXXX XXXX SC, XXXX as an address. XXXX. Resurgent " manages the above referenced account for PYOD LLC. Not only did XXXX write off the debt, but collection of the debt is time barred by Arizona 's statutes of limitation. I believe Resurgent/ PYOD is attempting to collect debt from numerous parties all over the United States , preying upon the ignorance of debtors who debt was discharged or no longer collectible. Resurgent dupes the debtor into acknowledging the debt to reinstate it by fraud.
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2020-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Resurgent/XXXX XXXX/LVNV Funding have sent notices regarding an alleged debt. I have asked them to validate the debt, attempted to resolve the issue. Included are certified receipts dated XX/XX/XXXX and XX/XX/XXXX both signed by the company. Another certified letter was mailed on XX/XX/XXXX. The company has violated 15 USC 1692 sec.802, 803 and 807. Appearing to be an attorney by using the language " my client ''. Claiming to be the " creditor '' which does not coincide with its definition. Also the use of multiple names and addresses i.e LVNV, Resurgent and XXXX XXXX.
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The original creditor is XXXX XXXX. - The debt collection agency is LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH : XXXX OR PH : XXXX. - The amount listed on the credit bureau reports is {$560.00}. - I have attempted to dispute this account minimum of 2x with each individual credit bureau agency ( XXXX, XXXX and XXXX ). I have also called LVNV funding directly requesting a validation of the debt. I do not recall this debt at all. - When I reviewed my XXXX report it list date of first delinquency XX/XX/XXXX ; delinquency first reported on XX/XX/XXXX and the date the account was first opened XX/XX/XXXX. How do these dates make valid sense? I am simply requesting an explanation and proof of this debt. - When I reviewed my XXXX report is states date placed for collection XX/XX/XXXX. - When I reviewed my XXXX credit report it states collection opened on XX/XX/XXXX and the account type is a " FACTORING COMPANY ''. - I have all three copy of copies that support this information above. I have also attempted to contact XXXX XXXX - but I was advised to contact the debt collection agency. I have a current XXXX XXXX credit card holder this is further more I do not understand what account this debt collection agency states that I owe. It is my right to be provided documentation to this aforementioned account. The credit bureaus have stated this account has been verified ; however no means of how this account has been verified to me directly and it is my credit profile that is being effected. I respectfully ask for this account to be validated or removed for all of my credit bureau profiles. I also request proof of when any correspondence was sent to me to discuss this account.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
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: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had disputed some unknown/ unverified accounts that was deleted around the month of XXXX that just was reinserted on today. I was not notified of LVNV FUNDING LLC reinsertion and this is a violation. This account is not mines and it have been reinserted on my credit file and I would like for it to be deleted immediately.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit reports via XXXX XXXX and it shows two collection accounts owed by Resurgent Capital Services of XXXX South Carolina. I never received notice or the right to dispute by these new owners. The former owner was LVNV.
Company Response:
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-16
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 recently received an alert on my credit report and noticed an account I've never had or opened. The name of the account is listed as LVNV Funding. I have been is dispute with the credit bureaus over the past several months in regards to fraudulent accounts appearing on my credit file due to identity theft. Most of the accounts have been blocked from the bureaus but for some reason this account is now showing up on my report. I never received any initial 5 day notice in the mail as per the Fair Debt Collection Practice Act requires. At this point LVNV Funding is in violation and this account must be removed immediately from my credit file. I've never received any goods, services, or money in relation to this account from LVNV Funding or XXXX XXXX XXXX.
Company Response:
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Resurgent Capital Services ( " RCS '' ) wrote me on XX/XX/XXXX about a {$680.00} debt that was charged off XX/XX/XXXX. RCS demanded payment and threatened damage to my credit file. I responded via certified mail disputing their claim and demanded RCS cease & desist on XX/XX/XXXX. RCS made additional fraudulent/deceptive demands on XX/XX/XXXX, again threatening my credit if I did not comply with their ploy/scheme.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I just received an alert on my credit report ( XXXX, XXXX and XXXX ) that this company is being reported TWICE. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I DO NOT OWE THIS COMPANY ANY MONEY. nor been in contact with or have any contracts with this company at all!
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When I contacted LVNV Funding requesting the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, LVNV Funding refused to validate the debt.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A