Date Received: 2019-09-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized LVNV FUNDING LLC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-21
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: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2019-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Got a thing in the Mail by XXXX sent their office by Cach LLC for a Debt that's no longer owed the Original Creditor XXXX XXXX XXXX written it off years ago the Statute Of Limitations for Consumer Debt in Tennessee is 6 years Cach LL C is a bottom feeding Junk Debt Buyer of Old Debt they bought this from XXXX XXXX XXXX for Pennies to the Dollar these bottom feeders will never learn so whenever I get one of these things from these liars posing as fake debt collectors gon na file complaint then gon na report them all the bottom feeders to the FTC for harrasment they didn't use abusive language or anything but still trying to collect on a debt that's no longer owed is XXXX and somebody has to stand up to these people like I said they count on the ignorance of consumers not knowing their rights of the consumer debt laws and they're always breaking the Fair Debt Collection Practices Act Laws I want the true copy verifying that this Debt from XXXX XXXX XXXX is indeed past the Statute of limitations and was written off by them and also show the true copy where Cach LLC and all of their affiliates bought this debt for Pennies to the Dollar and for them to quit scamming consumers out of their money and not applying the money toward the debt itself and instead putting the money into their own pockets and yes I know I'll get a response back from Cach LLC and XXXX saying the Statute Of Limitations saying it limits them from suing but not their ability to collect on the debt but to begin with they ain't nothing but bottom feeders and they're fakers and they all have shady business practices that's wrong to begin with and they know their lying when they do that stuff and lying is wrong and having shady business practices is wrong but the Good Lord above is taking notes
Company Response:
State: TN
Zip: 38301
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. *******Acct number-XXXX- states a balance of {$820.00} WITH 2 DIFFERENT REPORT OPENED DATES FROM XX/XX/2017 TO XX/XX/2017 this also incomplete and inaccurate information.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: In XX/XX/2019 Resurgent Capital ServicesXXXX XXXX confirmed their understanding that I wished them to cease communication with me and to immediately stop emailing me at my share work email address where other people have access to my emails. I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. For a very brief time after they responded to my complaint acknowledging my request to discontinue communication, all correspondence stopped. A short time after, the aggressive emails began again on XX/XX/2019. Resurgent Capital Services/XXXX XXXX has made a conscious decision to ignore my request and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties. Emails come in every week. Im requesting escalation of my complaint to the FTC. Previously, Resurgent Capital ServicesXXXX XXXX falsified their contact records in order to claim no wrongdoing on their part. I have attached evidence of their continued contact and FDCPA violations. I am confident that a review by the FTC will show that Resurgent Capital ServicesXXXX XXXX has been dishonest and continues to break the law.
Company Response:
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I mailed LVNV Funding LLC a debt validation letter this past XXXX about a debt that is on my credit reports ( I will mail them another one if they did not get the first one ). They have not sent me written verification of this debt. Instead, Resurgent Capital Services has intercepted my request.This is in direct violation of the FDCPA because it is false or misleading representation and they are not the current owners of this debt. I would like a response from LVNV Funding LLC and only LVNV Funding LLC regarding my debt validation request. I want to make sure that the company that owns this debt can prove that it is mine. Resurgent Capital Services are trampling over my rights as a consumer by impeding my debt validation request. The FDCPA was partially created to prevent unscrupulous unlawful debt collection companies from abusing consumers by using deceptive tactics which is exactly what Resurgent Capital Services is doing. The form that Resurgent Capital Services sent me is very deceptive because the form has their letter head and company logo on it. This creates a false impression that someone other than LVNV Funding LLC can collect on the debt. This scheme is a blatant infraction of the FDCPA.
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have disputed a an electricity bill that I paid in XX/XX/XXXX, the utility company wanted to charge a redeposit fee of {$270.00}. I did not agree and sought another service provider. The reason this happened was due to me being displaced from an act of God a Hurricane XXXX. I am still not in my home and this is the only negative remark that is unfair not accurate and is impacting me negatively as a home owner and US Veteran Business Owner. I have tried to pay the Alleged amount owed under protest on XX/XX/XXXX only to have my check returned. I will forward the documents as proof. This agency can not have it both ways and this last act only affirm what I have always maintained. This is not a legitimate claim and should not be on my credit profile. In addition to this complaint I will be forwarding a formal letter to the Three major credit reporting agencies with supporting documentation. I need to be treated fairly based upon the Fair Credit Reporting Statute. This has not been the case as it relates to this issue. My documentation supports my argument.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 XXXX {$1500.00}
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The company LVNV funding, has bought numerous uncollectable debts from companies and is now reporting negative information on my credit report with no validation made on the accounts. I have a collection for {$1000.00}, from " XXXX XXXX '', - which was an account that fell behind when my husband XXXX XXXX and became totally XXXX. There was XXXX protection on the initial account, as well as protections in place through the military lending act, as well as the SCRA- since my spouse was XXXX XXXX. The original creditor never applied any of these protections and now this company has purchased the debt and is trying to collect a debt- with no regard to these credit protections for service members. There is another debt showing for {$360.00} for an account that says " gettington '' - that I have never heard of nor received any validation for. Only a negative mark on my credit report. This company is buying debts that aren't even legally collectable. I have already made disputes, with no resolution made.
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I was contact via mail by Resurgent Financial Services in regards to a debt. collection that had a judgement placed on it in XX/XX/XXXX. It was decided that the judgement was to be vacated, because the summons was improperly served. Because of the improper service as well as the fact that the debt had reached beyond the statue of limitations, the judgement was vacated and dismissed by the court on XX/XX/XXXX. When I received the letter from Resurgent informing me that they were attempting to collect on this judgement that was no longer valid. I responded well within the 30 day time frame that the debt was no longer valid and included copies of the judgement that was dismissed, to verify that it was no longer considered valid. I asked them to no longer contact me in regards to this and mailed the letter as well as all corroborating documents, they were mailed certified mail to both address they have listed. I do not wish for this matter to go on any further than it already has, I will be sending them yet another letter requesting they stop trying to collect on a debt that is no longer valid, and that their actions in regards to further trying to collect this debt has been reported here. Apparently since they have not chosen to comply with the original request, despite validating that the debt/judgement is no longer valid, I am sure that they will continue to harass me in regards to this matter.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A