Date Received: 2020-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I informed Resurgent Capital Services of the identity theft and I also supplied provided them with an FTC claim that I submitted in regards to their unfair debt practices. Resurgent replied to my legal letter ( s ) by providing me with a letter stating that the debt was closed but in fact they sold or assigned it to XXXX XXXX in XX/XX/2020. XXXX XXXX reported the same account as Resurgent with a different account number. XXXX XXXX gave no notice as prescribed in the Fair Debt Practices Act. Upon investigating this matter, I was told that there was some kind of glitch in the system of XXXX XXXX with some jewelry accounts that they had. I am beyond annoyed at the semantics, antics and down right disrespect of these collection companies. They are vultures with no moral turpitude!
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted by Resurgent Capital Services regarding an account that is NOT mine in XXXX ( XXXX XXXX ). In XX/XX/XXXX, after I disputed the debt, Resurgent told me, in writing, the account was closed and I would NOT hear from Resurgent or any of its affiliates again regarding the account. Then In XXXX of XXXX I get another collection from Resurgent for that same account ( which apparently could NOT be properly validated the when I disputed in in circa XX/XX/XXXX ). In addition to a collection letter, I also received a " account summary report '', presumably to serve as validation of the purported debt. However, this report was prepared in house, and admittedly based solely on information provided by a third party - not the original creditor. Such in house report prepared XX/XX/XXXX.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING is reporting to the major credit bureaus that i owe this debt to them. They also operate under several other companies which one of them is RESURGENT CAPITAL SERVICES. They have several other companies they try to use and collect these alleged debts. It appears they move the alleged debt around and try to contact me from different companies although it is the same company. They have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. They are currently showing this account as closed at one of the credit bureaus and as an open account at two other credit bureaus. These accounts need to be removed from my credit reports completely IMMEDIATELY. Accounts that show CLOSED still causes damages to my credit and is false information to potential creditors. These accounts should have never been reported to my credit report because I have requested validation which they could not provide. I have never had an account with XXXX XXXX. I have requested multiple times by certified letter and these letters are attached with this complaint. I have asked LVNV to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt. They have sent a computer printout and or statement which does not show any proof this debt is mine. I have sent them multiple Certified dispute letters, requesting documents that show my signature where i signed for this alleged debt. They have not validated or verified this account, they should not report and they need to remove the account from my credit reports completely. They have not provided any documentation SIGNED BY ME that supports this debt is mine and that I owe them or anyone. They still have nothing binding me to a contract. No proof bearing my signature has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. LVNV is illegally reporting this account to the credit report. The alleged debt needs to be REMOVED from my credit report completely immediately and collection efforts need to stop. Marking the account as closed on my credit reports still causes financial damages and hardship to me and my familiy because creditors still see a collection account which was illegally placed there. They need to be completely removed.I have also contacted an attorney to sue for damages and hardship this has caused me and my family.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recent pulled my credit report to find that LVNV Funding was listed as a collections with all 3 bureaus. I havent received and paperwork or phone calls from this company regarding any balance owed.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 LVNV has been notified that account ending in XXXX is fraudulent. On XX/XX/XXXX, of 2020 LVNV funding was sent a certified letter with a copy of the filed FTC report that the account ending in XXXX is not my account. I am have reached out to LVNV and resurgent capital on numerous times trying to resolve this issue. The company has been asked to provide documentation that this is my account. LVNV funding and resurgent capital has refused to provide the information required under the FDRA and FDCPA. On XXXX XXXX the original creditor XXXX XXXX Bank removed the fraudulent and erroneous items from XXXX credit report. On XX/XX/2020, I received a letter from XXXX XXXX XXXX " stating they were handling the account for Resurgent Capital. '' LVNV is knowingly committing slander and fraud by reporting inaccurate information my on XXXX, XXXX and XXXX credit report. A copy of the letter is listed below along with the FTC report number XXXX. To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you by producing the following : 1. A copy of original contract, ( the unaltered genuine original wetting ink signature copy ), paper chattel. Attached with a signed application dated with my signature. 2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer. 3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of XXX to At this time I will also inform you that if your offices have reported invalidat ed information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
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: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In my previous complaint with CFPB ( XXXX ), I complained about the business practices of XXXX XXXX XXXX. I also filed a formal complaint with the XXXX XXXX XXXX on XX/XX/XXXX. After I contacted XXXX regarding my complaint, XXXX XXXX XXXX retaliated and sole my credit card account ( Visa # XXXX ) to third party which has now appeared on my credit report. In a letter I received from XXXX XXXX XXXX dated XX/XX/XXXX, it mentions that my account for VisaXXXX was closed on XX/XX/XXXX which I was never informed via email or letter. I did receive an email on XX/XX/XXXX that the insurance for the Visa-XXXX would be cancel. Not once did this letter mentioned " closed ''. As I stated this retaliation against me from XXXX XXXX XXXX because of the complaint to the XXXX XXXX XXXX and my refusal to pay the excessive fees they attached to a couple of missed/late payments from over a year ago. Their tactics with the harassing, countless telephone calls on daily basis and now selling my account information to third party ( LVNV Funding LLC ) to collect I debt on the Visa-XXXX credit card in question that I had been paying on time for the past year is erroneous. I have worked hard to keep my credit report in good standing and now this company has taken despicable, desperate action to tarnished my credit score/report
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from XXXX and the account numbers are the same l, but the dates do not match. The debt buyers date is listed as after the possible loan.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone got hold of my credit card with XXXX XXXX XXXX, and used it and which I contacted the company right away and told them and now the company still wants me to pay
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A