Date Received: 2020-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX XXXX Date opened- XX/XX/XXXX account # XXXX remaining balance was- {$820.00} charged off in bankruptcy new reported credit shows it under another agency now LVNV Funding LLC XXXX Collection on - XX/XX/XXXX account # XXXX Balance- {$820.00} Original Creditor : XXXX XXXX XXXX Status- In collection This account should not be on my credit report and was already charged off on my bankruptcy. Please remove off my credit.
Company Response:
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my credit reports in mid-XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$650.00}. It is reporting under the company Resurgent/LVNV Funding. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from of my credit reports.
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no knowledge of this account. It does not belong to me. I have reached out to the credit bureaus asking to remove this collection account.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive submitted paperwork for this account several times. from what the company is saying the debt was opened in XX/XX/XXXX. Ive disputed it many times but they still reply with this debt is valid. A month ago I sent an validation letter to the credit bureaus. I did not get any validation of the debt, only a letter from the credit card company saying that they validated the debt but only listed my name and when the account was opened. No other information was given and none of the information I requested in the validation letter was given. Then I checked my credit report and saw that the account had been updated to paid in full but still no deletion either way. Then today XX/XX/XXXX I get a notification from my credit monitoring services showing that the same account has been transferred to a collection agency and is showing as a collection. As stated above Ive sent in FTC afidavit forms stating that Ive been a victim of identity theft, yet this company refuses to remove this account from my report. ( Ive included documents from my credit report. It states at the bottom that the account transferred or sold, charged off, credit card ) it has said this statement since it appeared on my report
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
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: 02780
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Not my account never had one with them
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY LVNV FUNDING LLC JUST SHOWED UP ON MY CREDIT REPORT TWICE, ONCE FOR {$690.00} FOR XXXX XXXX, AND ONCE FOR {$280.00} FOR XXXX? I HAVE RECEIVED AN OVERWHELMING AMOUNT OF EMAILS FROM THIS COMPANY AND HAVE ALREADY DISPUTED WITH THEM THAT THESE ARE NOT VALID ACCOUNTS. THEY HAVE DONE NOTHING TO PROVIDE ME WITH ANY LEGALLY SUBSTANTIAL DOCUMENTATION SHOWING TIMELINE OF MY OWNERSHIP OF THESE ACCOUNTS! THESE ACCOUNTS WITH THEM NEED TO BE REMOVED ASAP! JUST AN EMAIL " STATEMENT '' FROM THEM DOES NOT PROVIDE PROPER VERIFICATOIN OF DEBT BY LAW. BOTH OF THESE ACCOUNTS NEED TO BE REMOVED. I DO NOT OWN THESE DEBTS.
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The original creditor XXXX XXXX removed the account beacuse it wasnt mine. The company that bought lvnv funding it kept it on with a last payment date that wasnt on the original date. The collector who bought it stated a last date paid was wrong beacuse they never recieved a payment from me.
Company Response:
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Resurgent Capital Services stating that it was an attempt to collect a debt and if I didn't notify them in 30 days, there office will assume that the debt is valid.I never received products nor services from Resurgent Capital Services. I sent Resurgent Capital Services a dispute letter and in that same letter I also asked for them to provide me the Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with Resurgent Capital Services.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt collector is LVNV FUNDING LLC, XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Original creditor I got a card that had a limit of {$300.00}, they charged me {$2.00} which put it over the limit of {$300.00}. Over the 2 years i have had it has gone up to {$750.00} and is on all my reports. Open balance This account has been on my credit for years, i have had it removed many times, buy they keep putting it back on
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A