Date Received: 2019-10-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have asked several time 's for LVNV Funding LLC to verify that the debts are mine. They have been unable to verify this information as of today. I have even offered to pay the debt to remove them both from my credit bureau reports ; as I am attempting to buy a home and this is prohibiting me from bettering my life and building a financially secure future.I want both accounts that LVNV Funding holds to be removed from my credit report immediately!
Company Response:
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The Collection Agency, LVNV Funding has illegally reported a loan debt from a company known as XXXX XXXX. They are claiming that I owe them money on a loan that I NEVER took out. Last year, I filed a police report on this matter, it was later resolved and now, this company is attempting to to EXTORT reporting this debt to the Credit Reporting Bureaus as an outstanding debt that is owed to their company. I have not applied for or signed any documentation with this company and I most DEFINITELY OWE THIS collection Agency, NOTHING. Once the debt has been removed from the credit bureaus, they are reporting it again, under a ( sub ) name. Example : LVNV FUNDING ( COLLECTION AGENCY ) Below are the sub names that are being used ILLEGALLY to report to the bureaus extort consumers out of money that is not owed to them : XXXX XXXX XXXX XXXX ( This was the first sub company name under LVNV FUNDING that used a few months ago in their extortion attempt ). *RESURGENT CAPITAL SERVICE LP ( This is the current name that they are illegally using to fraudulently report information to the bureaus ). I sent them a certified letter last week, my next step is to file a Police Report against this company and the owner for extortion. I will also be filing a complaint the the Attorney General and the Better Business Bureau. Lastly, I have spoken with an attorney and I will sue them if it becomes necessary.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent letters to a company named XXXX XXXX XXXX, because I noticed this was on my credit report right after the numerous breaches then I was notified by XXXX i was part of the data breach. ALL while fighting with them and the credit bureau 's then all of a sudden I seen it was sold to a company named LVNV, Funding, LLC, so I contacted and disputed with them through credit bureau's..and them..that I dont know who these people are never opened a account never opened up for a credit card..that this was and is identity theft..i contacted a credit repair company, because I was getting nowhere my contact with them always stated it was validated and sent over a blank statement with two numbers on it, no charges, payments..always came back you owe..but never validated it..brings to XX/XX/19 never notified by them never notified by bank or lawyer they levied my bank account ..this was reported as Identity theft fraud and they still where able to get to my bank account which I froze core credit and the other third party so I was protected..I am a XXXX and only get SS..and they had there company take my SS that protected federally..they meaning the companies should have done there due diligence before coming after me ... now there company is going to court for failure to follow the laws..and so is there attorney going also..this is a disgrace I am the victim and I still the victim by bully attorneys and companies.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Collection company LNVN funding is reporting a debt from XXXX XXXX XXXX that hey purchased and reporting it as new debt and reporting late payments on my credit report.s to them. it is not my account and they have never solicited payment from me but are reporting monthly late payments on my credit reports. reported that on XX/XX/2015 i opened n account with them which is false.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: IN XXXX, XXXX. I WENT OUT OF WORK FOR XXXX XXXX IN XXXX, VA WITH XXXX AFTER GETTING TO THE POINT OF NOT BEING ABLE TO GET OUT OF BED AND DO ORDINARY DAY TO DAY ROUTINE THINGS LIKE CLEANING MY HOME. IN XXXX I FILED FOR XXXX ON MY DOCTORS ADVICE AND IT TOOK, TO THE BEST OF MY BAD MEMORY, ALMOST 2 YEARS TO GET MY XXXX AND COST ME XXXX DOLLARS FOR SOCIAL SECURITY AND FOR MY XXXX FROM FEDERAL GOVERNMENT TO KEEP MY INSURANCE BECAUSE OF PRIOR HEALTH PROBLEMS. I HIRED A COMPANY IN CALIFORNIA TO HELP ME RESOLVE MY CREDIT DEBT. I WAS A SINGLE MOM WITH XXXX SONS TO RAISE AND NOT A LOT OF HELP FROM THEIR DAD. I HAD SETTLED A COUPLE AND THEN WAS SERVED WITH WARRANT OF DEBT FROM 2 BANK COMPANIES. I COULD NOT PAY WHAT THEY WANTED BECAUSE I HAD LOST OVER 10 THOUSAND DOLLARS IN SALARY AND WAS JUST TRYING TO KEEP MY SONS IN THEIR HOME WITHOUT UPSETTING THEM MORE. SINCE THEN THE CREDIT COMPANY LVNV Funding , LLC HAS BOUGHT THE DEBT WHICH IS PAST THE STATUE OF LIMITS FOR COLLECTIONS AND HAS SERVED ME NUMEROUS TIME AND THE LATEST WAS LAST XXXX WITH ANOTHER WARRANT OF DEBT. THE COURTHOUSE IN XXXX County SENT OUT A LETTER TO OBTAIN AS TO WHY THIS COMPANY COULD NOT GARNISH MY BANKING FOR WHICH MY XXXX CHECKS WERE BEING DEPOSITED INTO AND I FILLED IT OUT AND SENT IT BACK WITH COPIES OF MY XXXX STATEMENTS. LVNV Funding, LLC SENT OUT A NOTICE EXACTLY LIKE THIS ASKING IF I WAS ON XXXX AND I FILLED IT OUT STATING I WAS AND RETURNED THIS. THIS WAS XXXX, AGAIN, OF XXXX. I HAVE BEEN TRYING TO RE FINANCE MY HOME SO TO LOWER PAYMENTS AND TRY TO GET IT PAID OFF EARLIER AND NOT BE JUST MAKING IT EVERY MONTH. EVERY TIME I TRY TO RE FINANCE MY HOME THIS JUDGEMENT SHOWS UP WHICH AGAIN IS OVER 10 YEARS OLD. IT WAS TAKEN OUT AGAINST ME IN XXXX OR XXXX. THEY KEEP TRYING TO COLLECT ON IT AND THE CREDIT CARD WAS ORIGINALLY WITH XXXX XXXX XXXX AS FAR AS I WAS AWARE AND I DO NOT KNOW HOW XXXX XXXX GOT INTO THIS WHOLE THING BUT I ACTUALLY HAVE A CREDIT CARD FROM XXXX XXXX. HOW DO I GET THEM TO LEAVE ME ALONE REGARDING THE TIME LIMIT FOR EXPIRATION OF THIS CREDIT CARD ISSUE?
Company Response:
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received written communication from lvnv funding llc in XX/XX/XXXX. Not recognizing the debt and certainly not accepting the amount, I disputed the debt in writing within 30 days. They responded with a breakdown showing the wrong amount and not accounting for it anywhere. They are attempting to collect a debt they can't even properly validate. I gave them 30 days to respond showing a breakdown of how they got the amount they did, but they never responded. I want it off my credit report since I consider that an attempt to collect a debt they could not validate the actual amount from.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC PLACED A COLLECTION ACCOUNT ON MY CREDIT FILE WITH THE OPEN DATE OF XX/XX/2019 {$600.00} BALANCE THAT WAS WITH XXXX XXXX XXXX. I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAD GOTTEN THIS ACCOUNT REMOVED BUT I GUESS IT WAS SOLD TO THEM AND IT IS NOT MY ACCOUNT.
Company Response:
State: CA
Zip: 93711
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Factual or Inaccurate Errors regarding LVNV FUNDING ( Debt Buyer ) and RESURGENT/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX ( Debt Collectors ) Account reporting One Month Term. I have never signed nor made any terms/agreements with any of the collection agencies listed above or elsewhere. Account reporting as 120 days late. I have never opened an account with any collection agency and have never promised to pay monthly payments. Account is reporting as an Installment. No terms nor agreements were made when any of the listed or non-listed debt collectors purchased said debt from original creditor. Collection accounts are not installment accounts. Account reporting the debt as revolving. Inaccurate After multiple disputes this debt buyer has " closed account '' ( as if I had an account with them directly ) as of this month ( XX/XX/XXXX ) and marked it as a charge-off ( as if they are an original creditor instead of a debt buyer or collector ). - I recieved letters that were made to look as if they are lawyers ( XXXX XXXX XXXX XXXX ). - I have been offered debt settlements from different collectors whom LVNV has given my information to ( RESURGENTXXXX XXXX XXXX XXXX XXXX and others ) that has caused confusion regarding said debt. ers ) that has caused confusion regarding said debt. - I have been harassed constantly since XX/XX/XXXX with hundreds of letters, emails, and calls from these companies. Yet, despite disputes will not remove inaccurate information and continue to submit inaccurate information, which has significantly harmed my credit - I have requested via Resurgent that these errors be resolved with no reply from company. According to my consumer rights, I have the right to have my credit reports reflect accurate information.
Company Response:
State: FL
Zip: 32504
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgence capital is a fraudulent company. I want to get this off my credit. I will pay it but not them. I just want a different company or way to pay it.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent Capital Services aka Cach LLC purchased a loan in my name from XXXX, a recent credit report shows the account sold to Cach LLC with a balance of {$12.00}, XXXX. The original loan amount is {$6800.00}, it appears XXXX kept adding on interest and fees after payments ceased due to dispute over terms including interest rate. XXXX has numerous complaints/horror stories on several consumer review sites including XXXX in regard to their high interest rates. Further, it appears they do not take into account credit score when calculating interest as they seem to charge everyone the same high rate of 35 %. Additionally, the account is being reported as over 180 days when last payment was made in 2015, which is well over 180 days. I believe the reason for error in reporting and additional interest is an attempt to collect on debt and harm my credit score. Prior CFPB complaints were made against XXXX regarding interest and terms, none resolved. XXXX and the issuing bank, XXXX, both have complaints against them about this issue. I attempted to resolve complaint with XXXX XXXX at XXXX, he defended high interest rate regardless of my credit score at time of application, nothing was resolved. I also attempted to contact XXXX XXXX at XXXX, the number I called from was blocked so calls would not go through. To confirm this, I called from a different number, call went through but the rep stated XXXX does not accept calls. This loan was applied for online and nothing signed, no forms with my signature. That being said, XXXX has no proof of what was agreed upon, if anything. Please advise Resurgent Capital Services of this information should they make attempts to collect on this debt which includes legal action, also I refuse to pay due to high interest rate which was not agreed upon.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A