Date Received: 2020-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a XXXX account that carried over to a collection bcuz of identity theft. My uncle got un authorized equipment on my account. I told him to get his phone through his factory warrant for his phone not working an he got a bunch of equipment on the account. Due to people there at XXXX. I talked with XXXX about this issue before it went into collection an they said it was nothing they could do. Please help me in this issue.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2020-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have tried on several occasions to get this company to validate this debt meaning get copies of the entire account including payments so I can determine what was actually mine and what was fraudulent because my accounts were compromised. Resurgent Capital Services is working on the behalf of LVNV Funding LLC which purchased the debt from XXXX XXXX/XXXX Account. The only item I received was a closeout statement from XXXX with no detail attached. Please see the attachment. LVNV is also using deceptive practices in an attempt to cause additional harm to my FICO or XXXX score by listing itself as a Retail Company instead of a collections company. It has listed this loan type as a factory company. Additionally, it is stating my first delinquency was XX/XX/2019 to impact my score even further to trick the scoring system into believing that this is a recent late payment. Please see the document that Resurgent provided stating the charge-off date of XX/XX/2019. Even if this company purchased the debt on XX/XX/2019 legally they must report the actual charge off date. Lastly, if the charge off date was XX/XX/2019 how could LVNV report as the " Date Major Deliquencey First Reported '' of XX/XX/2019? In a further effort to drive my score down this company is listing a past due balance when, in fact, they are a collection agency and if the company, i.e. XXXX XXXX has already written this off on its profit and loss. I understand that a collection agency can report an outstanding balance but not list it as a past due balance. I believe this company has engaged in deceptive practices to harass me into paying a debt that they have been unwilling to validate.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Date Reported- XX/XX/2018 Consumer-LVNV FUNDING LLC Open Balance {$600.00} THIS IS NOT MY ACCOUNT. I HAVE DISPUTED NUMEROUS OF TIMES TO HAVE THIS RESOLVED AND EVEN CALLED THE COMPANY. PLEASE HAVE THIS REMOVED ASAP AS IT IS TARNISHING MY CREDIT/FICO PROFILES
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2020-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2019 disputed XXXX XXXX account, however i never received any proof verifying debt.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services ( reported XX/XX/XXXX ). XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV on XX/XX/XXXX and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company is attempting to collect a debt without proof of ownership. The company is in violation of the Truth and Lending Act ( TLA ) by reporting the debt as mine to the Credit Agencies XXXX, XXXX, and XXXX. The company is using statements as its course of debt validation. However, the ( TLA ) requires an application either written are orally to provide proof of an alleged debt the ( TLA ) also requires fair and accurate reporting and that interest rates be provided dollar by dollar. I do not owe and acknowledged this alleged debt and neither agree with it. If this company owns this alleged debt it must provide the chain of assignments and the contract between it and the seller and certification of ownership and provide the receipts and proof of how much they purchased the debt for. I have enclosed an enhanced validation request in this complaint to the company. Although the company has stop collection activities they are still reporting to the credit agencies as an attempt to collect the debt and defamation of my character.
Company Response:
State: MI
Zip: 49504
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I disputed the the debt LVNV Funding LLC said I owed. This company is violating FCRA sections, I hereby inform them to desist from all malpractices.
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV I am disputing this alleged account and request a complete copy of a alleged contract with my wet ink signature and how you could of came to this amount that you are reporting on my credit report
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is a complaint against LVNV FUNDING, XXXX XXXX and XXXX, I request this collection company to remove this account from my credit report, with XXXX XXXX and XXXX, since it has been opened under fraud, without my authorization or permission. This account is fraudulent, in this complaint I will give all the documents, such as Police Report, affidavit for identity theft, I consider that this information that I will provide is just enough to block this account that does not belong to me.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Since Im 100 % permanently XXXX and on heavy XXXX, my memory is not up to par however about XXXX XXXX years ago, I received a signed by XXXX XXXX XXXX judge judgement t in favor of LVNV in the amount of {$1300.00}. I was shocked because I was never made aware I had a court appointment. This was done behind my back without my knowledge. Then every XXXX months, Id receive the same letter. Then, yesterday, my bank, XXXX emailed me that a legal hold was placed on my account. After talking to XXXX, they told me that since I am direct deposit XXXX that my funds are protected but they took my XXXX XXXX XXXX daughters money from her high school checking account. She works XXXX hours most days and had {$110.00} dollars. I called LVNV a d they said this was an old XXXX XXXX credit card for {$500.00} but they now are representing XXXX XXXX and they need {$2000.00} to release the lien on my bank account. I explained this judgement was done behind my back and it actually was fir {$1300.00} and he said now more attorneys fees added to it and they will continue to take my XXXX XXXX XXXX money until I pay. The other option is that he will release the lien if I pay {$1500.00} up front. I told him I only have {$940.00} per month on XXXX and my rent is {$870.00}. I ha e to rely on family to help me survive.I get food at food closets. I have no car. Im extremely poor. I need your help please. This is an outrage that LVNV are getting away with this.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A