Date Received: 2020-04-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: According to resurgent capital, they are reporting to all three bureaus. .I beg to differ, as they are not on my XXXX report. Please see attached. Thanks. XXXX XXXX
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I would like to complaint a bout this Debt Collectors companyRESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. I've been harassed by them since XX/XX/XXXX, in less than a month they have sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}. I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired.Also, in their notifications, they act like they already have contacted me before the first one dated XX/XX/XXXX, which is a lie. I have been responding to all five notificationsas they've arrived because they keep saying if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I've to expose myself ( I'm XXXX years old ) and others to this deadly XXXX XXXX every timeI have to go to print the respond letters, and the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me at least they want to pursue this matter in court, but they haverefused to do it bycontinuing sending me more notifications.
Company Response:
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Sent a certified letter on XX/XX/20 for a account that is not mine. I asked that they send me original documentation binding me to this debt but have not got a response.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a debt collection from Resurgent Capital Services who is also affiliated with LVNV Funding LLC for two accounts a Visa and MC in XX/XX/XXXX. I immediately called Resurgent and requested verification of the two accounts trying to collect on and was in turned asked for me to send proof the debt was not mine. I informed the individual it is not my role his company was reporting the debt and should validate. A day later I received notice from my credit reports that the two accounts were reporting on all three credit bureaus reports ( XXXX, XXXX and XXXX ). I immediately sent a written letter requesting verification of the debts in XXXX within the 30 days debt validation. I received letter dated XX/XX/XXXX that appeared be system automated response ignoring my validation request informing me the information I provided was insufficient to support my claim. It was totally obscured. I sent a second certified request validation letter of which Resurgent in return sent a partial statement appearing to be restructured reporting the amounts in dispute but no further validation of debt, the agreement, their collection rights in my state, age etc as requested within my letters. They never stopped collection activities and removal of the accounts from the credit bureaus as per FDCPA requirements. It appears they intentionally send minimal information to prolong the issue with no intention to validate or delete from the credit bureaus. I have copies of all correspondences. I have written to all three credit bureaus and provided the correspondences as evidence and they have done nothing. They claimed the debts were validated. How could the debt be validated when I have not received validation? LVNV closed the accounts reporting on XXXX but did not delete them.
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX reviewed my XXXX credit report XXXX sent validation letter to LVNV- original creditor XXXX XXXX XXXX No response from LVNV and still impacting my credit This account is way over the statute of limitations and should not be on my credit report.
Company Response:
State: TX
Zip: 78222
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I informed this company that it was a fraudulent account, showed them that the account was removed prior to it being given to a collection agency. They responded with an itemized invoice, and billing statements - which serves no purpose. If the account was fraudulent, it being used has nothing to do with it being fraudulent. The account was also blocked from all bureaus, CFPB, In XXXX of 2019, FCRA 605b.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX Address Id # XXXX balance {$800.00} is reported twice on credit report need report updated
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am writing you to request the removal of the Default Judgment file from LVNV Funding LLC. I was not serve properly to dispute the two accounts. Inside the court documents, the server served the wrong person. The server states that she served the citation to a woman she confirmed to be me. But, the woman she described has a different age, weight, height and the woman confirmed of being me is from a different race. Also, the two accounts LVNV Funding LLC is attempting to collect were discharged in my ex husband Chapter XXXX Bankruptcy Court filling. I contacted the LVNV Funding LLC by phone and by mail and they only send general advertisement to ask me to pay the two debts.
Company Response:
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services continue to harass me ( Ref # XXXX ) dated XX/XX/2020 requesting personal information & {$910.00}, after I stated " CEASE & DESIST '' immediately in my letter of XX/XX/2020 & filed a CFPB complaint. As stated in numerous letters to Resurgent Capital " I disputed this debt & do not have any responsibility for the debt Resurgent Capital is attempting to collect. '' " STOP all communications with me and RECORD that I dispute this claim. '' " CEASE & DESIST '' immediately. They ignore to " CEASE & DESIST '' request.
Company Response:
State: TX
Zip: 78624
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: -Do not have a contract with this company.
Company Response:
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A