Date Received: 2019-12-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX had agreed to close account and yet continues to sell the closed account to other collection agency, persists in reporting old debts with updated activity dates, and persist in threatening me with garnishment, and continues the illegal practice of Re-aging a settled debt.account has been closed since XX/XX/2016 and continues to reage this settled debt as updated and present.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2019-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have disputed these debts with the original debt holders and now that LVNV funding is now trying to collect after I have disputed it with the original debt holders and they never responded.
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2019-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a Victim of fraud and there are several accounts on my credit report that do not belong to me. I request legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted accounts : XXXX - XXXX XXXX, XXXX XXXX XXXX- # XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX- # XXXX, LVNV FUNDING LLC XXXX XXXX XXXX.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2019-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV has contacted me multiple times by mail over the past few months. Each time they have contacted me, I have requested validation of the said debt that they claim I owe. I have kindly requested validation each time I am contacted by them. LVNV has failed to provide me with such proof I requested. On XXXX XXXX I received a generic account summary page and a statement of what LVNV is under the impression I owe. This " validation '' does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Despite my efforts in trying to work with LVNV directly, they proceeded to insert an erroneous negetive tradeline into my credit file. This action is illegal based on the fact they failed to provide me with proper verification of debt on multiple occasions. This negative reporting has taken a serious toll on my credit report and finances in general by impacting my a cess to reasonable credit terms. This is going to cost me 1,000 's as I am in the process of purchasing a home and this is delaying my approval. This is all due to LVNV reporting an account that they claim I owe money one but in fact I have no idea what the money they claim I owe is for! I have no bad debts and LVNV is attempting to deface my name by reporting such info. LVNV Refernce ID : XXXX
Company Response:
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2019-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$840.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. 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. I respectfully request that your office 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 you 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 verification or copy of any judgement if applicable. - Identify the original creditor. - Prove the Statute of Limitations has not expired on this account. - Show me that you are licensed to collect in my state. - Provide me with your license numbers and Registered 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 Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately. If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately. I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.
Company Response:
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$520.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. 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. I respectfully request that your office 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 you 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 verification or copy of any judgement if applicable. - Identify the original creditor. - Prove the Statute of Limitations has not expired on this account. - Show me that you are licensed to collect in my state. - Provide me with your license numbers and Registered 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 Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately. If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately. I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.
Company Response:
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2019 A credit card in my name was opened using my personal information. I do not own this card and did not request this card.
Company Response:
State: TX
Zip: 79707
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened account 3yrs again and was late making payments back because I was laid off.But made arrangements with XXXX who was Supervisor at XXXX XXXX XXXX and paid off balance with my tax refund in 2017 and paid balance of {$330.00} which was late fees added and XXXX supposed had closed my account but I found out years later my account was still open and sold to third party.My Identity was stolen and my account through my Credit Union was hacked during the end of 2017 I found this out through my Credit Union and all my accounts was frozen and I had to pay my bank back for the money someone put in my account and took out.Police couldn't do nothing because it was a Scam from fake US Treasury.My credit score has been damaged because of this and I spoke with the Third Party who brought my account and let them know I paid and sent the info to them from XXXX who was Supervisor at XXXX XXXX who I paid for my account to be closed.The company stated I still have to pay them I told XXXX from that company I will not pay No more money when my account was supposed to be closed and the Fact I sent in proof to them and they trying to Scam me out of more money.
Company Response:
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never done business with this company, and the debt is not mine I'm a XXXX and this does not belong to me.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A