Date Received: 2019-11-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I requested a validation of the debt from collection agency Resurgent Capital Services. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g. XXXX XXXX XXXX, XXXX failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with XXXX XXXX XXXX, XXXX. The collection agency is in violation of the Fair Debt Collection Practices Act.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account : LVNV FUNDING LLC Amount : {$440.00} Date : XX/XX/2019 Discrepancy : This debt was paid on time. It was paid in full.
Company Response:
State: CA
Zip: 95815
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Per my most recent credit reports ( XX/XX/19 ) LVNV is listed as owner of an alleged account from XXXX XXXX XXXX. Per the reports this account was opened/purchased as of XX/XX/19 with an amount of {$650.00}. I have attempted to dispute this account via the credit bureaus, but to no avail. To date, LVNV has not sent any written correspondence identifying themselves as the owners of the alleged account, provided written notification that they are attempting to collect a debt, nor send any correspondence advising that I could dispute the validity of the account ; it simply showed up on my credit report one day. A third party ( XXXX XXXX ) is now sending me email correspondence on behalf of LVNV stating they are the owner 's of the alleged account. I am unsure how they received my email address, but I have received emails from them on the following days : XX/XX/XXXX, XX/XX/XXXX ( two emails-the second appeared to have been triggered by my clicking dispute ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. These emails appear to be automatic and are coming from a gentleman by the name of " XXXX XXXX. '' I take issue with an email being sent " blindly '' to an email address with my personal information available for ANYONE to see, as well as a link that provides more info about said debit. I have not completed the dispute process through True Accord as I am leery since I have never received notification from LVNV and I do not want to give any of my personal information to any unknown parties ; and True Accord is now offering a settlement on the alleged account.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I submitted a complaint against LVNV Funding XX/XX/2019 it was stated that the said account would be removed from my credit report the account was never removed and it is harming my credit
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I have no knowledge of a signed contract with this company. Im unaware of doing business with this company. Asking to please provide a signed contract with my signature on it. No a account or itemized statements will be validate. I have contacted this company and they have sent me a statement. I need proof.
Company Response:
State: TX
Zip: 75701
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts.
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE. DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.
Company Response:
State: FL
Zip: 33563
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: i had opened an account with XXXX online in XXXX i was making my monthly payments until XXXX. XXXX horribly made a mess of my account and payments. i attempted to correct this errors by phone and online. but XXXX would not or could not fix the mess they created. as a result i was unable to continue paying my monthly bill. it was in error. i was notified that the XXXX account was then closed. and later that it was a charge off, deemed uncollectable. i heard nothing more about this account until XX/XX/XXXX when i was contacted by mail that a collection agency, lvnv, llc, had acquired the debt in XXXX XXXX i received about 3 letters from this company. the last was in XX/XX/XXXX where i disputed this debt via online letter to this company. no response from the collection agencty at all. i informed them this was an old debt, that was not collectable under the 4 year statute of limitations in pennsylvania. also i am on social security XXXX with no assets at all. i received no response from lvnv llc until i got a letter the 2nd week of XX/XX/XXXX, stating they filed a civil suit against me at the local magistrate. this company has not proven the debt is valid nor if they have standing to persue it. as i stated it is over 4 yrs old.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The information this company says I have XXXX XXXX Credit Card never received in the mail this say I have account with them of XXXX put on my credit file the company should contack the my law frim not me or put on my credit file.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2017 Account type Factoring Company Balance Loan Amount {$700.00}
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A