Date Received: 2019-10-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My wages are currently being garnished from a charge off on my credit card back in XXXX. The original creditor was LVNV funding LLC, which was taken over by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The original complaint was filed on XX/XX/XXXX, and my case was taken over by two judges since then. I received a letter in the mail on XX/XX/XXXX, informing me that my wages were going to be garnished from my job. The letter contained information that XXXX was notifying me that a Writ of Garnishment has been received as of XX/XX/XXXX. During the period of the two judge transfers starting on XX/XX/XXXX, no action was taken. My question is I never heard anything until just recently that the case was reopened after five years. Why am I being garnished after five years of no contact? They are wanting {$9200.00} when the last amount of charge off was {$5700.00}. I'm not sure what to do at this point. The amount of {$180.00} has been garnished from my XX/XX/XXXX paycheck. I can not afford 25 % taken from my paycheck every two weeks when I only make {$2200.00} a year.
Company Response:
State: NM
Zip: 87112
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. XXXX XXXX XXXX refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. On the XXXX payment chart, my account shows no past-due for the date of XX/XX/2018 thru XX/XX/2018, there is a green check mark indicating it was paid on time which is correct. On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NV XXXX managing for LVNV Funding, LLC for the amount of {$800.00}. Although, I explained the fact I had experienced two major hurricanes, and my county was deemed a natural disaster by FEMA, and no concessions were made by XXXX XXXX XXXX due to the hardship. I was unable to pay tis debt on-time due to this natural disaster. I incurred late fees and interest fees due to the refusal of the company trying to accommodate this natural disaster, of Hurricane Florence and Michael, during the month of XX/XX/2018. Instead, it was reported on my credit report. I notified the company of this matter and again there were no attempts made to offer me concessions for this charge- off account. I recently received a letter from XXXX stating the status of this disputed account, was accurate and modified,
Company Response:
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company has erroneous information listed on my credit bureau reports. They continue to list two of the same account numbers, both with incorrect information. This issue was disputed on XX/XX/XXXX and XX/XX/XXXX. The company never sent me proof or validation for this debt that is listed twice for two totally different amounts. The account was included in bankruptcy on XX/XX/XXXX. The date son the accounts are completely different dates. Nothing is matching or coinciding with one another. Partial payments was made to this account three times until XX/XX/XXXX when I realized this account was included in a bankruptcy. I gave money to a debt with no validation sent to me and incorrect information being reported on my credit reports
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a print out of alleged debt by lvnv funding I sent them debt validation methods on XX/XX/2019 by certified mail and they failed to send adequate proof of my legal obligation to pay a debt
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I called LVNV Funding a month ago. In a recorded conversation they stated that if I provided them with the letter from XXXX XXXX they would remove the collection. How are you collecting on a debt that the original furnished say that I do not owe. I will also include XXXX XXXX in this dispute so they may be contacted. XXXX XXXX determined that this card was opened due to fraud and updated my accounts according. In fact deleting it from all credit bureaus, but XXXX who refuse to keep good records and who has not updated my account with my new accounts or did anything they should is the only major credit bureau still reporting it. I have attached some files and also the recorded conversation between LVNV Funding and I.
Company Response:
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Coach llc continues to harass me 10 years after debt. They try to garnish my wages even though I am on food stamps and SSI. They are attempting to charge me fines that double the original debt amount, 10 years later.
Company Response:
State: WI
Zip: 53590
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On Thursday, XX/XX/19, I received a note in my door to call a telephone number within 24 hours re : needing to be served legal documents. I called the number and left 4 voice mail messages. When the process server responded, he was rude - we set up a time for today at XXXX XXXX here at my house for me to receive said papers. It's now XXXX XXXX and this person has not showed up. I left another voice mail message to schedule a time to meet at our local police department tomorrow between XXXX XXXX and XXXX XXXX. I XXXX what this could possibly be for as I know of no unpaid debts. This directed me to review my credit report, which I did. There is one unknown company, LVNV funding. This could be the only possible source. Because of reading how this company operates, I'm concerned this is a scam - hoping I will not dispute whatever this may be and they will simply be able to enter a judgement to garnish wages. We have the ring, which showed this person, when they did leave the note in our door, did not knock nor ring our door bell. They simply placed a note in our door.
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company is on my credit report illegally, I have sent three debt validation letters that are in compliance with section 609, 617 & 619 of the FCRA, All three of my disputes was dated and sent via certified mail with notarization, LVNV kept reporting my debt as valid but would not send validation, After my third letter on XXXX XX/XX/2019 LVNV attempted to sue me for this debt, but withdrew from the lawsuit because I had paperwork proving I requested validation and never received it, this company is practicing illegal collecting which violates our consumer, FCDPA, & FCRA rights.
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2019-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A