Date Received: 2020-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Stop contacting me over XXXX XXXX credit card account thats isnt mine!
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have an unverified account from LVNV FUNDING. I had previously disputed this account. I have never done business with LVNV FUNDING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV FUNDING provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request LVNV FUNDING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been contacted by a debt collector, Resurgent Capital Services ( RCS ) numerous times. Each time I have ask for a copy of the original contract that they are claiming that I signed. They have refused to do this, and have sent me, twice, info that says an account was opened in my name and using my SS #. I disputed this through XXXX XXXX, and RCS sent them the same info that they sent me, and I was told by the Credit Reporting agency that I owed the debt. This has not, or ever was, listed as being disputed. The amount is for {$1800.00}. Because RCS has not sent me valid proof that this debt is mine, it should be removed from my credit report.
Company Response:
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Alleged accounts where disputed belongs to my son who have the same first and last name.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since last reported on XX/XX/2019 I owe {$590.00} to XXXX XXXX XXXX. Not sure how that happened and not sure why they continue to badger me about something Im completely unaware of. I filed a dispute and I wait on results for that but I continuously refute the fact that I owe this amount.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2020-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I signed up with XXXX XXXX XXXX in Arizona and learned that the Headquarters were in California. I started out paying {$200.00} a month, then increasing to {$400.00} a month, until I had no more communication with this company. Instead of them contacting me about my credit card debt, they reported all of them CHARGE OFFS on my credit report. BUT, one account XXXX thru XXXX XXXX XXXX, CEO, SOLD my account to LVNV, LLC. in XXXX XXXX XXXX XXXX. An attorney informed me that these two companies have not gone by the law. My XXXX balance was reported to the Management of XXXX, due to an employee pushing Makeup and calling customers trying to get them to buy more and more cosmetics. But XXXX did nothing to help! At that time, the balance was around {$1000.00}. TODAY, with LVNV my balance is over {$3000.00}. I disputed it to the Credit Bureaus. But, I am between a ROCK and HARD place, due to XXXX XXXX XXXX not contacting me about my account and CHARGING OFF all my CREDIT CARDS. PS This account was not thru XXXX XXXX XXXX. It was thru XXXX XXXX. XXXX may have changed to XXXX XXXX XXXX. At the time this account was going on, it went thru XXXX XXXX. XXXX XXXX XXXX charged off many of my accounts, which shows on my credit report, without contacting me about them or allowing me to pay toward them each month. Thank YOU, XXXX XXXX
Company Response:
State: LA
Zip: 70433
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Please read and see attached document. Original creditor reporting on my report as 0 . New creditor listed LVNV funding LLC which is RESURGENT CAPITAL LLC listed on my collections as balance of {$1400.00}. Contacted LVNV for debt validation. They never sent me a letter until it appeared on my credit report. I have attached copy of letter I sent to them back on XXXX of 2019 and have yet to receive a response. I have called them numerous times and can not validate debt. Please help
Company Response:
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX was original creditor & was sold to LVNV funding, which asked XXXX XXXX XXXX to collect. Settled with them for 60 % of debt & they agreed to delete off of report
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A