Date Received: 2020-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I had a credit card w XXXX XXXX for years, I got sick in 2017 which forced me to have 3 XXXX 2 major, one minor. Because of my illnesses I was XXXX I couldn't work which left me broke. I contacted XXXX XXXX and explained my situation, they told me that they had a hardship program for people like me and that when I initially received the card it was in the credit card contract agreement and that if I could verify my medical condition they would waive the debt so I sent them a 53 page medical report outlining all my Dr visits, Test, post op, pre op, procedures and surgeries. I received a letter from them about 6 weeks later ( that I still have a copy of that I'm including w this complaint ) basically saying they approved my hardship and waived my debt. Today I checked my credit report and they are still reporting it to the credit bureau negatively every month! I called them and they told me that were not going to take if off unless I pay the balance & they were rude as well, you would think w all this covid 19 pandemic they would be nicer and more coorperative
Company Response:
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX has attended to collect a debt that was a result of identity theft and has since reported it to a collection agency. This has resulted is severe damage to my credit.
Company Response:
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX XXXX XXXX credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Company Response:
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
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: 021XX
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 {$1100.00} I have contacted this company about this company. no result has been handle
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: About 2017 I lost everything including my job. I was in the hospital for months. Due to my sickness, I was unable to work months after I got out of the hospital. These companies which I had no relationship start calling and harassing me. They sometimes would call and ask for me and would not make it known who they were.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The amount isn't correct my ex didn't paid the amount I try to paid the amount in full they kept saying that my Bank card I was trying to pay my balance off with didn't go thru on 3 different occasions so I couldn't pay the balance off in XX/XX/2018 the balance was {$310.00} at the time now its {$700.00}.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
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: Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, LVNV Funding, uses several different collection agencies in an attempt to collect. The other account is XXXX.
Company Response:
State: TN
Zip: 37303
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is a follow-up complaint to the original complaint : As the court assigned Power of Attorney for my Mother, the last couple of weeks I have been in contact with Resurgent Capital Services, via numerous telephone calls, who are owned by Sherman Originator III LLC/ PYOD, to determine if they own debt - {$64000.00} and the lien, that was placed on my Mothers home. A bankruptcy was filed and discharged in XXXX on the {$64000.00}, but somehow the debt and lien still exists and Resurgent Capital Services informed that they " purchased '' the debt in XXXX, from XXXX XXXX XXXX ( currently defunct ). I have requested and attempted to obtain validation of the debt and lien, through Resurgent Capital Services and documents they have provided do not have any identifying markers : account numbers, references to my Mothers name, address, debt amount, etc. The documents provided from Resurgent Capital Services were sent to a Title company, who indicates that the documents are " suspicious looking ''. If Sherman Originator III LLC/PYOD/Resurgent Capital owns this debt and if this indeed a valid debt, I need to obtain verifiable debt validation in order to proceed with the PYOD approved settlement offer of {$6500.00}. Additionally, I need the recording information for the Trust Deed and assurances that after paying the documented settlement offer of {$6500.00}, the account will be satisfied in full ( whole ) and that a reconveyance will be issued on the {$64000.00} lien : : : : : The company sent all requested documents and approved PYOD settlement payment of {$6500.00} was sent and was received by the company, so full said debt should be whole and account closed, but upon contacting the Resurgent last week to follow-up on when the reconveyance papers would be filed, the representative indicated that there was still a balance due of {$58000.00} and that " they have no timeframe to file the reconveyance paperwork ''. I ignored what she stated and assumed that Resurgent had not yet updated their files, but today, I received a letter from Resurgent that mimics what the Customer Service representative stated last week ; that there is still the balance due of {$58000.00}. This is false? The entire debt was resolved via the {$6500.00} approved PYOD settlement offer. Why did I receive this document and when will the reconveyance papers be filed with XXXX XXXX courts?
Company Response:
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
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, they refused to validate the debt.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A