Date Received: 2019-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am being extorted by a third-party debt collector by attempting to collect a debt I do not owe or even aware of.
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have learned that LVNV has listed two erroneous accounts on my credit reports. The amount for each tradeline is almost identical to the penny. These are not my accounts. They weren't my accounts. They also show as OPEN collection accounts in violation of the Fair Debt Collection Practices Act and the California Rosenthal Act. I've disputed them directly with LVNV who has refused to validate either account. I have disputed with the major CRA 's, but LVNV has " verified '' the information with the CRA but fails to delete tradeline.
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding LLC representing XXXX XXXX XXXX XXXX. l 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/19 amt {$760.00} XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: LVNV Funding LLC on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.
Company Response:
State: UT
Zip: 84107
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I try to file this complaint through XXXX XXXX XXXX whom was services by XXXX XXXX XXXX with XXXX XXXX XXXX. I made payment to XXXX XXXX for over 3 tears when I was employed by the USPS but I left my job on XXXX and couldn't afford the payment anymore I contacted them and ask them for forgiveness of this debt back around 2014 which was removed from my credit report. But now serveral years later XXXX XXXX XXXX trying to come back on me with a new company name LVNV FUNDING LLC through XXXX XXXX XXXX with a balance over 18000.00 dollars. I will fax the documents over with a bunch of payment I send XXXX XXXX THROUGH THE YEARS. I WILL FAX THEM TO XXXX. Please look out for them.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In the month of XX/XX/2018 after reviewing my credit report a collection on my report, I wrote to the original company XXXX XXXX to provide me with an accurate audit permitted by law and they informed me that the collect has been sold to a collection company LVNV Funding, I wrote to them to provide me with an correct accounting of amount due to them. My request was very clear of what I wanted. Specifically a break down of the all charges and fees, to make sure all consumer law where implemented and not simply verifying that I owe them a debt but a clear understanding of money owed. All I received was a form statement that it was correct but not providing me with a breakdown of fees and charges. The original credit line was {$700.00} and they state that I owe them {$1000.00}. How and where these fees come from my request came with no answer. I follow the fair credit act with the credit agency requesting verification as provided by law and my response was the same.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV COLLECTIONS. {$300.00} credit limit This company is doubled the amount I don not understand why they doubled the amount. They continue to state on my credit report that I keep missing payments. I've done research on this company ... .and doesn't look like it's a credible company.
Company Response:
State: FL
Zip: 34286
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had received a notice in the mail from XXXX XXXX XXXX ( dated XX/XX/2019 ) on or about XX/XX/2019 indicating that an account allegedly owned by me had been placed with them for collection. The current creditor name listed on the notice from Frontline was LVNV Funding LLC and the original creditor name was listed as XXXX XXXX XXXX XXXX. The alleged amount owed was {$630.00}. I do not have any account, contract, or business relationship with XXXX XXXX XXXX, LVNV Funding or XXXX XXXX XXXX. I disputed this debt within 30 days of receipt of their letter and on XX/XX/2019 I had sent XXXX XXXX XXXX a written notice requesting validation of this debt and had sent it via USPS Certified Mail with signed delivery confirmation requested. I had indicated that this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested that their offices provide me with competent evidence that I have any legal obligation to pay them. I had specifically requested that they provide me with a copy of the agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor as well as a copy of the agreement with their client that grants them the authority to collect on the alleged debt. I had received signed delivery confirmation from the U.S. Postal Service indicating that my correspondence to XXXX XXXX XXXX was received and signed for on XX/XX/2019. XXXX XXXX XXXX had then responded via a letter dated XX/XX/2019 and indicated that the attachments and information provided with this letter is information that your current creditor is able to provide to us for you at this time. XXXX had attached copies of billing statements for a XXXX XXXX account with their correspondence, however, they had failed to provide the requested verification of any signed contract or agreement that bears a signature. In essence, they essentially admit that they are unable to provide proof of a signed contract at this time since the only information provided by them was copies of billing statements. Copies of billing statements are not sufficient proof of a legally binding signed agreement or contract. On XX/XX/2019, I had also received a letter from Resurgent Capital Services indicating that they manage the account for LVNV Funding LLC and that they had initiated a review of the inquiry they had received. On XX/XX/2019, I had received another letter from Resurgent Capital Services indicating that they received a recent inquiry regarding the account and have enclosed an account summary which provides verification of debt. They had failed to provide verification of a contract or agreement that bears a signature. Since XXXX XXXX XXXX and all of the affiliated entities involved with my request for verification of this debt ( LVNV Funding and Resurgent Capital Services ) have all failed to provide competent evidence and proof of a signed contract or agreement, I hereby am requesting that all collection activity by XXXX XXXX XXXX, LVNV Funding and Resurgent Capital Services immediately cease and desist. I am also demanding that this account which is currently showing on all three of my credit reports from XXXX, XXXX and XXXX as a negative collection item under the name of LVNV Funding LLC be immediately and indefinitely removed from all of the credit reporting bureaus since XXXX XXXX XXXX, LVNV Funding and Resurgent Capital Services are all unable to provide competent proof of a signed contract which proves legal ownership of the stated account.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2019-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is not mine. I have disputed This with the company many times. My name is common in the city I reside and way to often am I fighting with companies that charge me for a debt that is not mine.
Company Response:
State: NM
Zip: 88012
Submitted Via: Web
Date Sent: 2019-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A