Date Received: 2020-01-09
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: THIS BANK IS PURPOSELY AND FALSE REPORTING INFORMATION THAT IS NOT TRUE TO THE 3 CREDIT BUREAUS.THIS ACCOUNT WAS NOT OPENED ON XX/XX/2017. THEY ARE PURPOSELY REPORTING USING FALSE DATES. THIS ACCOUNT IS OVER SEVEN YEARS OLD. AND SHOULD BE REMOVED.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX : I discovered a collection account on my credit report listed as XXXX XXXX. I have two current and open accounts with XXXX and that is all. I did not recognize this account so I filed a dispute with XXXX and XXXX. B XX/XX/XXXX Both disputes were completed as " verified/accurate ''. I have never received any written notification nor any voicemails from the collection company Lvnv Funding LLC. I attempted to contact this company twice. The first time I called I waited on hold to get through to someone for 17 minutes. Once someone got on the line, I was placed on hold and disconnected. I attempted to call again the following day and spoke to an extremely rude woman who did not let me finish speaking. She advised she was unable to help me because I did not have an account number. I only had a partial account number that I found on my credit report. I tried to explain to her that had I received proof of debt in writing, I would be able to provide the account number. I requested a supervisor. Placed on a long hold again only to be disconnected for the 2nd day in a row. After wasted time and effort, I decided to file this complaint. I do not recognize this debt and am prepared to seek legal assistance to get this removed from my credit report. The way this company operates is setting off many red flags to me. Had they complied provided me with assistance and mailed me proof of debt in writing, I wouldn't file this complaint. The sheer fact they treat people like criminals regardless if the debt is valid or not is not acceptable.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account has been closed but it is still reported as late payment on my credit report. Remove this account from my credit report but it is negatively affecting it, thanks and I will be expecting your reply.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
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: 02301
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: There was a dispute sent to Resurgent Capital on my behalf for 2 accounts listed under their name to verify debt and accuracy of collection account. They've sent a letter on refusing to investigate as per FCRA requirements.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV Funding is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Company Response:
State: UT
Zip: 84107
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
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: 02302
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditors many 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: 02745
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : LVNV FUNDING LLC Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verifXXXX & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Thank You Sincerely yours,
Company Response:
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Went to court with lvnv funding and had a amount settled for XXXX a month for 12 months. We settled on a amount of XXXX in the court which there are court papers stating that as well as the company offering that. My payment will be done in XXXX as I only owe XXXX I disputed the amount listed they say I owe which is XXXX I called them in the beginning and told them that the court papers settled on a amount which they found and said yes they have it and I even mailed them a copy but they still keep the inaccurate amount owed.
Company Response:
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A