Date Received: 2019-09-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX is a closed account that was charged-off. The account is reporting a balance of {$300.00}, which is accurate since the card 's limit was only {$300.00}. However, LVNV Funding/Resurgent, the collection company on this account, is reporting a balance of {$690.00}. This is more than double the original balance! I disputed the amount that LVNV Funding/Resurgent was reporting in XX/XX/2019, and no change was made to the balance that was being reported.
Company Response:
State: TX
Zip: 770XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I filed a dispute with this company, asking to verify information about the debt, because the original creditor shows that the balance is XXXX and no debt is owed. The dispute came back and nothing was changed, although they did not verify it was my debt. I recall that being mandatory, as that was the whole reason for the dispute in the first place.
Company Response:
State: CA
Zip: 93705
Submitted Via: Web
Date Sent: 2019-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I tried to apply for a car loan and was told that my credit score was XXXX because of an UNPAID DEBT for a XXXX XXXX credit card from XXXX. I paid the debt on XX/XX/XXXX. Resurgence collection agency failed to report that I had paid it off to the credit bureau and to the bank that sent the debt to them. It has been 4 years since it has been paid off. They told me they would send me a letter in the mail ( because they don't offer email as a service ) and it would state that I paid off the card in XXXX and that it should no longer be against my score. The letter I received strongly implies that I paid this debt on XX/XX/XXXX and says thank you for your payment. You account is now paid off. If this payment comes back as insufficient funds, your account balance will return to the amount you owe. I asked them to send me a letter giving the date that I paid off my debt and they refused. I ask for a receipt for my transaction with the date that I paid it off and they said they would send in a request and asked if there was anything else they could do for me today so I asked if the request gets denied, could they call me and let me know and she said " no, we don't make outgoing phone calls. ''
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. I then receiveda rougue email from resurgent regarding a supposed account and howto pay. I never gave nor authorized them to use my email. However i respondeand again disputed thisso calleddebt. They did not send the agreement or contract bearing my signature. They sent a one page state, rnt showing an adress i have never lived at. I again notified them of the areas and disputed requiring the copy or original contract oragreement bearing my signature. I also explained i was a vtivtim of identity theft ack a few years ago and need this to file a new report. They have refused to act. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Company Response:
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2019-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a phone call from this LVNV Funding LLC company saying that I owed them {$590.00}. And then they erroneously reported the debt to all credit reporting agencies negatively impacting my credit scores. Circumventing all my previous efforts to raise my credit scores. Destroying my score gains dropping my rising scores to the 400 's from the mid 600 's.
Company Response:
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account do not belong to me nor do I owe this known as LVNV Funding LLC, therefore I'm demanding that this account be removed/ blocked from my credit file immediately.
Company Response:
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
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: On XX/XX/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to LVNV FUNDING LLC. LVNV FUNDING LLC was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation. On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX XXXX XXXX responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX addressed my inquiry in a previous communication? What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine. XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP. Also, I received a letter from XXXX XXXX XXXX stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that LVNV Funding owns the debt AND not to mention LVNV Funding LLC is reporting this erroneous information to my credit report but they don't even own this debt!
Company Response:
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Agreement was reached to settle two separate debt accounts with XXXX XXXX. I purchased two separate certified checks through my bank on XX/XX/19 payable to XXXX, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to XXXX XXXX. I received confirmation that XXXX XXXX received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me.
Company Response:
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
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: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
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: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A