Date Received: 2020-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV LLC Funding ( I don't know what birthday they have on file, just know that it isn't mine because I provided that info when I called to try and resolve it & they said it was not what they had ) This is not my account. My wife and I already have a XXXX XXXX credit card with an exceptional payment history, have been in good standing with them for over 6 years and they have had updated addresses for us for billing purposes throughout our many moves during my current military career. Because of that, they literally have all proof they may need within their own system. However, the first few times I disputed this, I provided them a copy of my leases to show that I lived in a new residence and had already ended my lease at the billing address they had for this account. Since then, they have continued to sell off this account to various collectors who have been hounding me ever since. With each one of them, I provide the same information and to smooth things along quickly, I simply asked for them to confirm proof of the debt to prove whomever signed for it, if there was any type of identification or paycheck or ANYTHING ever submitted as proof of identity and of course, no one does. They just push it off to another collection agency. It has affected my credit ever since and this is not fair, nor legal. I've disputed this several times with the same information through all of the main 3 credit reporting bureaus and all they do is respond and change the latest date of the " last missed payment '' to the recent month. Never an actual response or any changes other than that
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was looking on my XXXX XXXX report and saw two collections account from the same company LVNV FUNDING LLC for 12 XXXX XXXX XXXX XXXX for the amount of {$710.00} and {$610.00} on XX/XX/XXXX XXXX I would like these charges to be deleted off my report because I am unfamiliar with these companies thank you for your time
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have repeatedly disputed with lvnv funding about this account they keep emailing me about. They are harassing me about it and they are violating fair debt collection act by not giving me the information I requested in the allotted time.
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received no phone calls nor any letters with proof of myself being the owner of the original card, all I received was a legal notice stating I was being sued for an amount of {$1000.00} on XX/XX/2019. I responded immediately via email to LVNV Funding ( resurgent ) asking for proof and have not received anything. I then mailed a letter to the lawfirm suing me again asking for proof on XX/XX/2019. Still nothing, however a pending lawsuit over my head being that I am a federal law enforcement officer is something I do not need since I have never had a credit card with a limit of {$1000.00} for over 20 years and especially not with this original creditor. I do know this company is being sued in a class action suit for fraud so I want these criminals stopped.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Resurgent Capital Services phone # XXXX is reporting a collections account LVNV Funding XXXX on my credit report that was closed and paid off through XXXX XXXX XXXX Phone # XXXX. They account is closed and settled The statement settlement amount accepted by the creditor XXXX was {$340.00}. ( 3 ) payments of {$110.00}. The first payment was made to XXXX and cleared on XX/XX/XXXX check # XXXX and the 2nd payment was for {$230.00} through phone transfer made to LVNV Funding XXXX now listed under Resurgent Capital Services on XX/XX/XXXX and cleared on XX/XX/XXXX. There was a problem with the settlement due to the account being sold to LVNV Funding XXXX in the middle of the settlement. XXXX XXXX XXXX payment processing team reached out to Resurgent for LVNV Funding XXXX debt to honor the payment and they did which is why the payment was made later because of the transition from XXXX. I have contacted Resurgent several times and told them that they account was settle. I faxed them the settlement letter provided by XXXX XXXX XXXX that shows the settlement payments for a total of {$340.00}. Resurgent Capital services keeps reporting to the credit bureaus that the collection account is still open. They asked for proof of cleared payments and I faxed them the statement, but they are not closing the account. Resurgent Capital Services has been reported as a problematic unfair company abusing consumers. I have researched online and found a lot of negative information about them.
Company Response:
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been contacting LVNV about a {$690.00} collection that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. they have closed the account on one bureau, deleted from another bureau, and showing on equifax. This is illegal ; and needs to be DELETED from my credit bureaus.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2020-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This was on my account while I was out of country. I was not living in USA at the time the debt was created or occurred.
Company Response:
State: TX
Zip: 75766
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding LLC is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus. No one has provided an original signed contract or any identifying documents such as my ID. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting under on my credit reports is # XXXX.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A