Date Received: 2020-02-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I had credit card company called for payment gave the company the correct info for payment which was already on account company calls back a month later stating that they close my account for none payment had company info they stated that they put in the wrong info. I then asked that can I make the payment and be able to use my credit card they stayed no I will I have to have my credit ran again. Didnt want my credit ran again asked can I pay off the balance, they changed a XXXX dollar balance to a XXXX dollars balance which I feel was not my fault. Then the calls started I should only have to pay the XXXX dollars which is was less then what I owed on the credit card
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To whom it may concern : about three months ago I complained about XXXX that is resurgent capital services debt collection agency complaint # XXXX. I thought this account was charged off I understand that even though it's charged off I still owe. I keep explaining my situation to them that Iam in financial hardship I don't know how they want me to show evidence of my hardship. I've told them the only way I'm able to survive is by food stamps and still they don't know my unforeseen circumstance that lead me to financial hardship. You know just show them that I will work with them I'll send them XXXX or even a {$1.00} since this company wants what is owed to them. This company does not understand nor do they seek to understand the hardship that I am in. So, until I'm with a good job and that will provide me with money to pay what is owed I will send them a {$1.00} dollar when I ever I am able too.
Company Response:
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: As of XX/XX/2020 the company has not verified my debt to them with anything that has my signature on it as required by the FAIR CREDIT ACT.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding LLC, This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I have willingly entered into any sort of agreement with LVNV Funding LLC and if or where I agreed to have business with you or paperwork contracted for myself & LVNV Funding LLC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless LVNV Funding LLC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time.
Company Response:
State: AL
Zip: 35205
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding LLC reported improper information on my credit reports. Debt already settled. I don't recall receiving any correspondence from LVNV Funding LLC.
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Receiving letters from Sherman Originator claiming I owe almost {$6000.00} on a XXXX XXXX XXXX XXXX card turned over to them. They refused to give me any details without my SS which I refused to provide them. I checked my credit report and no sign of this debt. Ive contacted XXXX XXXX who verified I had an old closed account with XXXX balance. I havent had an account with them in decades.
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Sent certified letters in timely fashion to company to verify my debt and they have not responded in required time
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. XXXX XXXX, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, Resurgent and 12 XXXX XXXX. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. XXXX XXXX website states this account was never assigned to Sherman Originator III, LLC. As stated on XXXX XXXX records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed Sherman Originator III LLC, - XXXX. Sherman Originator III LLC failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from XXXX XXXX ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with Sherman Originator III LLC for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline XXXX XXXX XXXX USA removed from XXXX and XXXX but remained on XXXX. This is the reason why when I received my credit report on XXXX XXXX, the account listed as, 12 XXXX XXXX XXXX, the comment says disputed my customer. The name was just changed. Sherman Originator III LLC, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The Sherman Group owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, Sherman Financial Group plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.
Company Response:
State: IN
Zip: 46324
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
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: Charged for a returned item not by the original company but after account was closed a debt purchasing company purchased the non existent debt and is now harassing and ruining my credit. Disputed more than once and nothing has chamged.
Company Response:
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV Funding # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX balance.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A