Date Received: 2020-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV continues to attempt to trick me into paying for a bogus debt. In XXXX of XXXX, I received a notice from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX claiming to represent LVNV and were demanding for payment of a bogus debt in the amount of {$540.00} Re : Acct # XXXX. I disputed this bogus debt via US certified mail on XX/XX/XXXX and requested for a debt validation/proof that this debt belonged to me. I received a copy of a bogus credit card statement from this law firm with no concrete proof of signature or any any contract showing a contract agreement between me and LVNV or XXXX XXXX, I again sent another certified mail to both LVNV and XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX asking for proper proof/validation of debt but I never got any. A few months ago, I got a bogus offer from LVNV offering a discount for this bogus debt, I again sent a letter asking for proof of validation and requested that they cease and desist from all communication if they are refuse to provide me with proof of my signature/signed contractual agreement for this bogus debt, never got one and did not hear from them again. On XX/XX/XXXX, I received a bogus email from XXXX XXXX from " XXXX XXXX '' claiming to represent LVNV and again demanding for payment in the amount of {$540.00}. On XX/XX/XXXX, I again received another bogus request from XXXX XXXX from " XXXX XXXX '' claiming to represent LVNV. I sent a official email back to this representative disputing this bogus debt and again asked for proper proof of validation/contract agreement with my signature but never received any. LVNV continues this debt on my credit report as a collection account, refuses to provide valid/proper proof of validation that this bogus debt is mine and keeps attempting to trick me into accepting to pay for a debt that is not mine. This company isn't adhering to the FCRA, they need proof that this account is mine. I have disputed this bogus debt with XXXX, XXXX and XXXX and they keep saying LVNV has validated the debt to be accurate, I want to see LVNV proof of validation that they provided to the credit bureaus and tired of this cat and mouse game.
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: MY IDENTITY WAS STOLEN FROM XXXX XXXX XXXX .EVEN AFTER I REPORTED THE FRAUD XXXX XXXX XXXX ALLOWED THE TIEVES TO CONTINUE USE THE ACCOUT. DESPITE NUMEROUS COMMUNICATIONS XXXX XXXX XXXX DID NOT RESOLVE THE ISSUE AND SOLD THE ACCOUNT TO A CREDIT COLLECTION AGENCY WITHOUT NOTIFYING ME. THE NEW COLLECTION AGENCY, RESURGENT CAPITAL SERVICE / LVNN FUNDING NEVER COMMUNICATED WITH ME AND I FIND OUT BECAUSE I WAS DECLINED BY A LENDER ON THE BASIC OF NEW NEGATIVE INFORMATION REPORTED BY LVNN FUNDING / RESURGENT CAPITAL SERVICES. I WANT THIS COMPANY TO STOP REPORTING NEGATIVE INFORMATION BECAUSE THEY ARE COLLECTING A DEBT THAT IS NOT MIND AND ONE THAT WAS CREATED BY FRAUDULENT ACTIVITIES.
Company Response:
State: NJ
Zip: XXXXX
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: 2020-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX, I phone XXXX XXXX XXXX Mastercard to close my credit card account. At that time, I was not informed that I needed to submit any follow up written letter to close the account. I assumed that the account was closed much like when you lose a credit card. Later that year, on the anniversary of my membership, I received a credit card statement with a membership fee of {$100.00}. I assumed that it was in error and ignored subsequent statements because I wasn't renewing the membership. In XX/XX/XXXX, I received a letter from XXXX XXXX stating that my XXXX XXXX XXXX Mastercard was in arrears. I contacted Resurgent Capital Services to protest and stated that I wasn't going to pay the charge as I didn't want a membership. They stated that I had to have proof that I had called XXXX XXXX XXXX Mastercard to close the account. This is proof I do not have. In XX/XX/XXXX, I wrote Resurgent Capital Services asking that they resolve the matter and erase the debt. XX/XX/XXXX, I received a letter from Resurgent Capital Services saying that without proof of my closing the account, nothing can be done. I am appealing to you for help.
Company Response:
State: TX
Zip: 78216
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In regards to phony collection practices by LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by LVNV Funding LLC. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. LVNV Funding LLC is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although LVNV Funding LLC initiated the procedure I have yet to receive anything in writing from this dummy corp.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding for XXXX XXXX has placed a collection account on my credit reports that is not valid. Not mine. I have no contract or agreement with LVNV Funding at all. This originally came from Resurgent Capitol.They use multiple company names and different addresse to trick you into not knowing who to respond to properly. Upon initial receipt of a notice from them I sent them a cease and desist letter for this alleged account back in XX/XX/2019. Even though I had done this they have illegally placed this collection account on my reports. I have attached a copy of the letter that I sent them originally. I have also disputed this with the credit bureaus and re-sent LVNV Funding/Resurgent Capitol the cease and desist letter. I want this removed from all credit reporting accounts immediately!
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter from Law Firm regarding a letter sent of an unrecognized debt with no information regarding supposed debt. Therefore, I promptly responded in writing a notification requesting verification and validation of unrecognized debt. Received no verification or validation of unrecognized debt. I never received any notification from debt collector. Law firm did not provide verification or validation of supposed debt and now threatening lawsuit.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had a home burglary in 2017 which resulted in identity theft and lost credit cards. Although I submitted a police report to my credit card company XXXX, they still did not try to work on my behalf. Instead, they claimed the fraudulent charges as " bad debt '' and kept selling my account to multiple collection companies. One company dropped the account, XXXX sold it to the next. Now is LVNV funding under the name of Resurgent capital services. Everytime I tried to work with Resurgent or filed a complaint against them, they promised they would respond to me but then all they did was to mail a letter to me stating I should work with XXXX regarding the debt. They are the current owner of the debt, why kept running away instead of dealing with it? Had I wanted to be in debt, I would have incurred a larger debt instead of just {$2400.00}, dont you think?
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Copies of what they sent me proves they have no proof with the Fair credit reporting act section 609
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter in the mail saying that I owe a balance to LVNV Funding, LLC and that my original creditor was XXXX XXXX XXXX, NA. There are no details in the letter except that they are suing me for wage garnishment for {$1500.00}. I don't remember having this high of debt owed. I was paying for protection on my credit cards and back in XX/XX/2015 I lost my job and was financial unable to pay anything for almost a year. I would like to find out how to verify this debt.
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
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: 02125
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A