Date Received: 2020-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i ALREADY PAID XXXX XXXX XXXX IN FULL PRIOR TO THIS BEING TRANSFERRED TO COLLECTIONS
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This debt is old deby and is occurring on my credit reports. It is having a negative impact and i would like it removed. I do not know the dates or what the debt is for
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lvnv funding llc XXXX XXXX XXXXXXXX same as lvnv vunding llc
Company Response:
State: TX
Zip: 77081
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Below is a letter that I have sent to XXXX XXXX XXXX and LVNV funding LLC on three separate occasions over the past couple of years. To my dismay ( and frustration ), these collection agencies have continued to harass and send me emails over the past two years requesting money for a debt on a XXXX XXXX XXXX credit card, that I've never owned. Additionally, this credit card debt was listed on my credit reports more than seven years ago ( beyond the statute of limitations. ) I had initially contacted the original creditor, XXXX XXXX XXXX, as well as Transunion and Equifax, to let them know that this credit card item on my credit report was not mine. It was obvious to me at the time, that since I hadn't own any credit cards from XXXX, that this credit item on my credit report was fraudulently obtained using my credentials. After I filed a complaint with XXXX XXXX XXXX, the account was subsequently removed from my credit report within 30 days ... With that said ; nearly a year later, XXXX XXXX XXXX and LVNV funding LLC had begun sending me harassing collections letters. These letters began requesting that I pay money for a delinquent XXXX XXXX credit card that the original creditor, Transunion and Equifax, agreed was fraudulently obtained with my credentials XXXX and subsequently removed from my credit reports. ) Below is the letter that I've sent on several occasions to the aforementioned collection agencies, of whom are unable to validate the debt as being legitimate, continue to harass me for a credit card that I'VE NEVER OWNED. LETTER I SENT TO COLLECTIONS ON 3 SEPARATE OCCASIONS : " Dear XXXX XXXX XXXX Representative, I am responding to your contact about collecting a debt. You contacted me by postal mail onXX/XX/XXXX and identified the debt as a referenced account for LVNV funding LLC ( original creditor : XXXX XXXX XXXX XXXX ) Again, I do not have any responsibility for the debt that youre attempting to collect. Per LVNVs previous requests for more information, I have fully cooperated in their investigation on this issue. In my previous letter on this matter, I provided LVNV with all of the requested documents that they had asked for ; including a police report dated XX/XX/XXXX, a copy of the credit agencys investigation showing proof that, the original creditor ( XXXX XXXX XXXX ) had agreed that the debt was not valid, of which they subsequently removed the debt from my credit reports. As I had mentioned to XXXX in my previous communication regarding this issue, if the original creditor ( XXXX XXXX XXXX ) has agreed that the debt is not valid and therefore removed the debt from my credit reports, then XXXX and XXXX XXXX XXXX have no legitimate financial claims to this debt as well. I have been very patient and courteous regarding this issue. By providing requested documents to XXXX to aid in their investigation, Ive fully cooperated with their firm regarding this matter. Therefore, I can no longer waste anymore of my time regarding this issue. Ive NEVER owned a XXXX XXXX XXXX credit card in my entire life. In fact, from XXXX, Ive never owned any credit cards PERIOD! Its absolutely impossible to validate this debt ( with solid evidence of my signature on a XXXX XXXX credit card contract. ) Therefore, your attempt to collect this debt is not valid and at this point, I consider being harassment by XXXX XXXX and XXXX XXXX XXXX. Im respectfully asking your firm ( and XXXX ) for the final time, per the state Rosenthal Fair Debt Collection ACT and the Fair Collections Practicing Act, to please stop harassing me on this matter. I dispute ever having incurred or having any obligation for this phony debt. Someone other than myself had incurred this debt, apparently using my credentials. The fact that XXXX XXXX XXXX ( the original creditor ) investigated and subsequently removed this debt from my credit reports 30 days after my initial request to investigate the issue ; proves that I personally did not incur this debt. Consequently, and with all due respect, as I had previously written to XXXX, I WILL NEVER pay a single penny for a debt that I did not incur and cant be validated. No one should be obligated to do such a thing. '' Since receiving the collections letter on XX/XX/XXXX, I have received an additional letter from these crooks on XX/XX/XXXX. Overall, I've received at least four communications from XXXX XXXX XXXX and LVNV funding LLC. And, although I've co-operated with their requests for police reports and other documents to state my case ; they have not been able to validate this debt on three separate requests, showing me proof that this debt was incurred by me. In the past year, so far, they have been able to provide me with the validation that I had requested ; ( including my signature on the original credit application. ) '' END LETTER At this point I am beyond fed up with this fraudulent extortion request. I am grateful for any help that the XXXX XXXX XXXX XXXX can provide for me in getting XXXX XXXX XXXX and LVNV funding LLC collection agencies to stop harassing me and others that may be experiencing the same harassing practices.
Company Response:
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had an unsecured card with XXXX XXXX and during the XXXX XXXX I was displaced out of my home for 120 Days. I spoke to XXXX XXXX and let them know that I wanted to work with them on this debt. I was told that they would work with me and when I called back to make a payment they told me that they couldn't take any payments from me. I've tried to resolve things with them. The credit card limit was XXXX and it been reported on my credit report {$1000.00}! They are lying on all 3 credit bureaus saying it was a {$450.00} credit limit which is completely untrue! I'm a home-bound 100 % XXXX Veteran that shouldn't be taken advantage of during a crisis in which XXXX, N.C flooded during XXXX! I sent them certified mail asking to explain the money they say I owe and i included the letters of responses from them and a collection agency LVNV FUNDING! Basically telling me that they dont have anything to say to me!
Company Response:
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted Resurgent Capital a few months back to dispute the debt which I continue to dispute. However, Resurgent has placed this account on my credit bureau ( which I hold is a violation of the Fair Credit Reporting Act ) so I contacted them in an attempt to settle the bill. During the call, I made a settlement offer of {$600.00}. First off, the collectors were extremely rude. I explained I am XXXX and there are no assets for them to come after. I then asked to speak to a supervisor as they refused to even propose the offer to their client. Please make a note, of the three people I spoke to ( which can be confirmed by the attached audio recording of the call ) none of them provided the disclosure that " this is an attempt to collect a debt ''. All of the reps refused to take the settlement offer to their client which is a violation of the agency relationship as established by law. Further, I contend such actions are a violation of the FDCPA. However, at the very least, Resurgent Capital violated the FDCPA by not providing the required disclosure. I will be speaking with my family attorney about my options with regard to filing suit against Resurgent Capital.
Company Response:
State: KS
Zip: 67217
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Just received another alert that XXXX put this account back on my credit report. This time, through a collection agency. I've told them repeatedly that this wasn't my account, have provided police reports, etc.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I already disputed this charge with XXXX XXXX through CFPB and this was resolved and dropped and not on my credit..I had transferred actual charges to another card and these charges were from Identity theft and fraudulent. You should have a record of this situation years ago. Now I am receiving collection notices from Resurgent and have replied through US mail and phone calls. I have spoken to them on the phone and written letters telling them all of these things and to stop calling me and they continue to do so.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A fraudulent debt was added as in collections by the company in question. Last year I was the victim of identity theft and all other fraudulent accounts have been removed by XXXX and fraud alerts have been placed on my accounts. I was a victim of fraud/identity theft in XXXX as well as XXXX. My last date of dispute was : Company : LVNV FUNDING LLC 12 XXXX Submitted on : XX/XX/XXXX File number : XXXX Completed on : XX/XX/XXXX CONTACT INFORMATION LVNV FUNDING LLC XXXX, SC XXXX RESULT : Disputed information was verified as accurate
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Lvnv funding has reporting a collection on my credit report for XXXX. The account appears to be from XXXX XXXX XXXX in which XXXX, XXXX and XXXX has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless LVNV funding has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX to validate this account. How where they able to list a collection from LVNV funding but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX or LVNV funding. More so I never signed a contract with LVNV funding for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX They no longer have control over this account.
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A