Date Received: 2019-09-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Im behing in payments 2months planning on paying what behind an following month installments 1st XXXX 2nd XXXX I just cant pay till End of XXXX beginning of XXXX I dont even have money to put minuets on my phone only have Wi-Fi when available so unable to call to can get minutes to lnmv funding but plan on taking care of whats needed just behund money tight after move
Company Response:
State: PA
Zip: 18505
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not have a signed contract nor any contract with LVNV Funding LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for this debt with LVNV Funding LLC.
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company damaged my credit by lying. Forced me to set up a payment plan for XXXX for a XXXX debt. They've been paid XXXX as of XX/XX/2019 with 2 payments remaining, one for XXXX and one for XXXX. I've received a letter stating that this collection would not be placed on any credit reports and again they lied. This company is deceitful and corrupt and should be investigated to the fullest. I've contacted my state 's attorney general office as well as a personal attorney.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Resurgent Capital Services # XXXX and XXXX XXXX XXXX # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on XXXX. Resurgent is only reporting the same collection on XXXX and not the other bureaus. This is a violation and it needs to be removed.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I writing you to lodge a formal complaint against LVNV Funding LLC. This debt collector placed marks on all three of my credit reports ( XXXX, XXXX, and XXXX ) without proper notification, as I received no dunning notification per required by the FDCPA legislation. Credit reporting is considered collection activity. When I attempted to send debt validation to the address they provided, the notification was sent back to me return to sender, as the address was inaccurately listed on my credit report. This company has an F with the XXXX XXXX XXXX, and has effectively destroyed my chances of getting a mortgage, as they have also incorrectly listed these accounts on all three credit reports instead of a collection account. Additionally, they have listed this item as a Factoring Lender, when per FCRA collection companies are not. I am requesting your office look into these allegations and help me procure a deletion from all three credit reporting agencies until this company can successfully validate my debt as they are mandated by law to do. I am considering legal action against LVNV, however, I felt compelled to urge your office to help me in my crusade to remove LVNV Funding and reestablish my name and credit. I am not sure if this debt is mine or not, however, their inability to provide correct addresses, and their intentional act of misleading their reporting should be enough to sue them, and should be enough for your office to force their compliance in this issue. I hope you can help me out in this matter, as I am going through the mortgage closing process and this one account has completely derailed my home purchase. Thank you very much for your time!
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed fraudulent charges on my XXXX XXXX XXXX card in XXXX or XXXX of XXXX XXXX XXXX XXXX stated that the charges were correct and were charged overseas and I had to pay them. Despite the fact that the charges were not mine, I paid them and I instructed XXXX XXXX XXXX to close my account. The account statement issued by XXXX XXXX XXXX for the period from XX/XX/2018 to XX/XX/2018, showed a credit balance on said account of ( $ XXXX ). As of the last day of such reported period, the account was permanently closed, XXXX XXXX XXXX had no right or authorization to accept any charges on my behalf on the account. The charges on my card clearly show that they have been made for services in the name of other people that are different from my name. I did not receive any product or service using XXXX XXXX XXXX card. XXXX XXXX XXXX should not have accepted any charges on a closed account. XXXX XXXX XXXX sold my account to XXXX XXXX XXXX. I complained to such entity. Thereafter, the account was sold to Sherman Originator III, and then sold to LVNV Funding LLC. Then, it was lastly sold to Resurgent Capital Services. I register my complaint against all such entities.
Company Response:
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX XXXX XXXXt, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a XXXX XXXX account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name Resurgent, I get in contact with ReSurgent and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter from CACH , LLC -they are collecting on behalf Resurgent Capital Service , L.P.- a old loan from XXXX XXXX XXXX XXXX XXXX. Me and my family are trying to get this account resolve but we just don't have enough money to pay in full. When I contacted the Collector CACH they told me this new trade line in my credit report will destroy my credit and probably they will have to suit me, I can't handle the situation so after some weeks my husband called the collector because we don't want to get involve in a law suit. My husband made a settlement offer in order to get this resolve but was declined for the collector, and after some weeks he made a different offer but it was declined too. We know for fact that this account is over 5 years and under California Law this collector may not be able to file a law suit against me. I sent a request of validation of debt with a new settlement offer to the Resurgent Capital Service mailing address ( XXXX XXXX XXXX, XXXX, SC XXXX ) on XX/XX/2019 but never received a response back from this collector. My husband called and the collector said they never received, so I mailed the same request to the same address on XX/XX/2019. Now in XX/XX/XXXX my husband called asking for a response of my request but they representative said for second time that they never get it, but verified the mailing address. My husband asked to the representative if he can forward a settlement offer to the owner of the debt ( Resurgent Capital Services ) but the representative just won't. I just want to get this resolve and I don't want to get suit, but I want to be sure that the debt buyer and the collector are have the right to suit me or not.
Company Response:
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am requesting Resurgent Cap Srvs Lp to be removed from all 3 credit bureaus this is not my debt of XXXX and I will pay for a debt that does not belong to me. I am requesting copy of contract that has my name on it .This is fraudulent to attach it to my credit report and try and collect a debt that does not belong to me.
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I never had an account with Resurgent Cap Services. I had an account that was paid and closed XX/XX/2013 with XXXX XXXX. I asked Resurgent to send me copy of contract with signature owing this amount to this company with is a 2nd or 3rd party and the company has failed to send me copy of contract that money is owed to them. I am asking for this to be removed from all 3 credit bureaus.
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A