Date Received: 2019-09-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have/had a Visa from XXXX XXXX XXXX. In XXXX I was having trouble making my payments and found help with XXXX, a Debt Consolidation company. XXXX contacted XXXX XXXX XXXX and informed them that I would be working with XXXX to pay off my crdit card balance on my XXXX XXXX XXXX account. XXXX and XXXX XXXX XXXX settled on a {$50.00} payment from me that I would send to XXXX and XXXX would send to XXXX XXXX XXXX. After one year of payments, XXXX said my account with XXXX XXXX XXXX should be paid off. I logged into my XXXX XXXX XXXX account and instead of a XXXX Balance, I saw a balance of just over {$1000.00}. This can't be happening. I called XXXX XXXX XXXX, and they said I was suppose to be making {$60.00} payments, not {$50.00} that they agreed with, with XXXX, so for over a one year period they were charging me the extra {$10.00} to make {$60.00}, and they were charging me late fees to equal {$1000.00}. XXXX XXXX XXXX told XXXX I had missed a payment and they took me off the program with XXXX. XXXX and I had no knowledge of any missing payments. XXXX told me to take XXXX XXXX XXXX off of my account with XXXX, and told me that XXXX XXXX XXXX would offer me a settlement for a smaller portion of what they said I owed. As far as XXXX was concerned, I had already paid this account with XXXX XXXX XXXX off, but XXXX XXXX XXXX was not going to let this go. So I called XXXX XXXX XXXX about the settlement offer, and they said they will send me an Official Letter in the mail, which they did. Once I got the letter, I called them back and spoke to a lady named XXXX told me along with the first payment, attach a letter stating I accept the settlement offer, which I did. The settlement offer was for the amount of {$720.00} made with three payments of {$240.00} each ( that I made by money order ), and once they received the last payment of {$240.00} that my account would be considered settled and closed. The letter stated that this was a limited time offer and that I had till XX/XX/XXXX to accept the offer. I accepted the offer XX/XX/XXXX with my first payment of {$240.00}. The XXXX XXXX XXXX employee XXXX, set up three pay dates for me to get the money orders in ; XX/XX/XXXX, XXXX and XXXX. I sent in all three payments on time as agreed upon by myself and XXXX XXXX XXXX. After the third and final payment I was waiting for a phone call or email from XXXX XXXX XXXX informing me of my account being settled and closed, but I did not hear anything from them. After a while I logged back into my XXXX XXXX XXXX account, and to my surprise, I did not see a XXXX balance and a closed account, but instead I saw a balance of {$880.00} being due and that was not accurate. I called XXXX XXXX XXXX immediately and they said that they did not receive my final payment of {$240.00} by XX/XX/XXXX so the settlement offer was void. I told them that my final payment was not due till XX/XX/XXXX as per their employee XXXX had set it up that way, and nowhere on the settlement letter did it state the last payment was due XX/XX/XXXX. It said I had till XX/XX/XXXX to accept the settlement offer. So it appears to me, and their employee XXXX and others who have seen the settlement letter, that XXXX XXXX XXXX is mistaken with when the final payment was due, but according to XXXX, I made the payment on time, so therefore, I have already paid XXXX XXXX XXXX twice, Once with XXXX for a year at {$50.00} a payment, and Again, with the settlement offer of {$720.00} that I paid in full. XXXX XXXX XXXX turned me over to a collection agency called Resurgent Capital Services, LP. I called this agency on XX/XX/XXXX and spoke with XXXX XXXX at ( XXXX ) XXXX XXXX and informed him that I was contesting this case due to all that I have described above, and he told me he would look into it and get back to me, and he never did. Time went by and I had not received any emails, phone calls or letters from this agency and I thought they had discovered through their investigation that I had indeed payed XXXX XXXX XXXX in full. It was in XXXX of this year ( XXXX ) when I checked my credit report that I saw Resurgent Capital Services, LP was now on my credit report as being in collections. I called them on XX/XX/XXXX and spoke with a Ms. XXXX about my account, and she looked my account up and saw the four page letter that I sent to XXXX XXXX on XX/XX/XXXX, but they did not act on it since I had to documents to prove my claim, so Ms. XXXX told me to make copies of any and all documents supporting my claims that I had indeed payed this off twice. The Documents I sent were the following : ( 1 ). Photo copy of the settlement letter that XXXX XXXX XXXX sent me, both front and back. The back had the employee XXXX XXXX name and her instructing me to write and send the acceptance letter to XXXX XXXX XXXX. ( 2 ). Copies of the three money orders with the {$240.00} amounts clearly visible. ( 3 ) receipts showing I bought the money orders. ( 4 ). Photo copy of the handwritten acceptance letter that XXXX told me to send. ( 5 ). Copies of the Bank Statements showing the three payments of {$240.00} that I made to XXXX XXXX XXXX for the month of XX/XX/XXXX. ( 6 ). Copy of the Letter from XXXX XXXX XXXX acknowledging my request for my bank statements showing all three payments of {$240.00} from XXXX ( which they tried not sending me after I told them they were Legally supposed to sent me any bank statements I wanted since they locked me out of my account and prevented me from accessing my own bank statements. ) ( 7 ). Copy of the envelope that they sent my Bank Statements in after saying they did not have my address, even tough they did or how would I have received these bank statements by mail. ( 8 ). And a copy of the letter from Attorneys from XXXX XXXX XXXX with Mr. XXXX XXXX and the date I talked to him and his phone number. This was the original collection agency that XXXX XXXX XXXX turned me over too and then they turned the case over to Resurgent Capital Services, LP. So I sent in all these documents and received a letter from Resurgent Capital Services, LP informing me that they were investigating my documents and claim. And a few moths ago, I received another letter from Resurgent Capital Services, LP stating that I have insufficient evidence or proof to fight my claim that I have paid XXXX XXXXXXXX XXXX twice. I do not see how that is possible. The settlement offer letter I received from XXXX XXXX XXXX and the copies of the three money orders themselves is plenty of evidence and proof that I have paid them in full. So I do not owe them {$880.00}, and I need help clearing this mess up. It has been going on for over four years now. Please help me!
Company Response:
State: WA
Zip: 98661
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a notice in the mail ( regular mail ) stating they are going to garnish my wages from a very old employer. I have no idea who these people are. I looked online using a case number they provided to find I have a judgement from XXXX for approx {$2200.00}. I was never informed of such judgement. The amount they state I owe is now over {$3000.00}. I left a message and sent a letter asking for validation with no reply. I am unaware of any debt owed. Not sure how they got a judgement when I was never served or notified to begin with?
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear CFPB, Around XX/XX/2017 XXXX had called us about our credit card being maxed out and not paid. The problem was we didn't not open a CC with XXXX. After further investigation, we found out that we were a VICTIM OF IDENTITY THEFT, we found out we had cards with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. We called local law enforcement and filed a police report, we put a locking mail box, most of the bills were being sent to our home, then the address was changed across the street, then changed across town to anther XXXX address. We have lived in the same home for several years as we own the home. Local law enforcement knows who did it and have a report on file. All of the creditors have gracefully worked with us removed the fraudulent accounts accept XXXX XXXX XXXX, THEY WERE HAVING NOTHING TO DO WITH THE IDENTITY THEFT AND WANTED PAID. They sold the account to a collection agency LNV FUNDING LLC. Which we have tried to work with, they refused to take the paperwork on the identity theft. They have been rude, and insist we owe a debt, even though it was a fraudulent debt. We have had no cooperation from them at all. They even threaten to put me in jail, they have been rude on the phone, refuse to talk to us, work with us and help us resolve the issue do to identity theft. We have no other choice to but file a complaint with you, we feel we are being unjustly harassed for this account from them. We have attached the compliant against XXXX XXXX XXXX and our credit report.
Company Response:
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed these two accounts with this company and they have not verified these debts, therefore I want them removed from my credit reports. LVNV Funding, LLC Original Creditor : XXXX XXXX Account # : XXXX Balance : {$3700.00} LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX XXXX, XXXX. Account # : XXXX Balance : {$960.00}
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed these two accounts with this collection agency and they remain on my reports. They have not provided proper verification or response within allotted time LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX Account # : XXXX Balance : {$1100.00} Open Date : XX/XX/2019 LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/2019 {$900.00} {$900.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello : I am XXXX XXXX and LVNV Funding LLC is reporting on all three of my credit reports and they should not be. This account is paid and closed and should reported as such and then removed. I have paid this account.
Company Response:
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I formerly had a credit card through XXXX XXXX XXXX which I never used. However, in XX/XX/XXXX, the card was compromised and fraudulent transactions were processed. I disputed the transactions immediately, but XXXX XXXX continued to bill me for them ; when I refused to pay, the added interest, fees, and penalties. With no resolution in sight, on XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, they referred the case to the Office of the Comptroller of the Currency. On XX/XX/XXXX, the OCC mailed me to say they had initiated their process and contacted the bank. On XX/XX/XXXX, XXXX XXXX mailed me to say they were clearing all monies ( transactions, fees, penalties ), closing my account as I had requested, and reporting the change to the credit bureaus. I received a letter on XX/XX/XXXX from the XXXX confirming same ( all documentation attached ). My credit score immediately jumped back to its normal 750 range, and all was well. Until today. I am in the process of purchasing a new home, and our credit report came back with a claim from your agency, citing a collection of the above-referenced debt. I called your company for an explanation, and was told that you had purchased this debt on XX/XX/XXXX. If that is the case, how was XXXX XXXX able to adjust my account? How could they have corrected the issue with the credit bureaus if they didnt even own the debt? None of this foots, and I demand an explanation. I am already being negatively impacted by this matter, not only in the interest rate Id have to pay on my mortgage, but on the limitation it puts on the amount I can finance.
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV FUNDING LLC / XXXX XXXX XXXX XXXX XXXX {$870.00} The account was settled and paid, but this remains on my credit report as a collection. XXXX XXXX XXXX / XXXX XXXX {$190.00} The account was paid in full, but this remains on my credit report as a collection.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RESURGENT/LVNV FUNDING has an account on my credit hat is not mine
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding, LLC has chosen to collect a debt such company purchased from XXXX 1. XXXX XXXX will not release the data that they say to have which prove that the debt is mine. Such data is fraudulent : my STOLEN Social Security number, a fraudulent address in XXXX and my cellular phone line -which was hacked and reported as such when I noticed there was a problem with it latter on in XXXX. By the way, I am not a phone number nor a voice over it, my phone number is not my identity. Where are the legal documents that identify me as a legitimate credit member? This is the process I have been through : XX/XX/XXXX I receive letter from collection agency XXXX, XXXX XXXX XXXX XXXX. Letter states company attempts to collect a debt from original creditor XXXX XXXXXXXX XXXX and current creditor LVNV Funding, LLC. I submitted complaints through the Consumer Financial Protection Bureau. The above mentioned agencies replied that debt was valid. The debt consists of {$170000.00} owed to XXXX XXXX, on a card opened as a result of identty theft. My Social Security information was used, and a fraudulent address in XXXX was used to open the account. The card was applied for in XXXX - XX/XX/XXXX. My XXXX XXXX phone number was used as well. I noticed that my missed call log was displaying " call answered on another device '' message on XX/XX/XXXX. I contacted XXXX XXXX in XX/XX/XXXX and placed a Fraud Block back then. The information will be accessible to lawyers by contacting XXXX XXXX Legal Department. On XX/XX/XXXX I placed a police report, contacted the Credit Bureaus and personally visited XXXX, XXXX XXXX XXXX. I submitted proof of address, tax returns, the 3 credit bureaus reports, and invoices of some of my professional services as a freelance XXXX in XXXX during some of the days when the fraudulent transactions were committed. I also provided evidence of being out of the state during one of the dates that one of transactions took place, with hotel information and an XXXX XXXX electronic ticket. I signed a notarized affidavit of fraud and submitted it to XXXX, XXXX XXXX XXXX as well. XXXX told me that the process would take about a month, that I would be notified, as they had to work with LVNV Funding, their client, to resolve the issue. On XX/XX/XXXX, I received a notification from XXXX that LVNV Funding had reported the collection to my otherwise- and always- pristine credit report. My credit rating and report was damaged due to this action. I simply do not borrow money and pay my credit cards monthly in full, as it can be evidenced in my reports. Never a late payment. I required from XXXX XXXX, by US Postal Service certified mail, that they submit to me all the evidence related to the fraudulent account such as application, payment slips, store receipts, signatures, etc. I have the right to receive all this documentation. When I spoke to their representative, he stated that their information was correct as public records place me in XXXX and that my cellular phone number line was used. I received a letter stating that their investigation is correct and that they are not changing anything. I need to explain that the fraudulent XXXX XXXX card never appeared on my credit reports, so I had no way to know that this was going on. Upon examination I found that my address had been changed to the fraudulent address. At this moment I believe this fraud could come from XXXX XXXX, itself. XXXX XXXX was either negligent in their processing of applications, to benefit from the fraud ; or the fraud might have been an inside job. XXXX XXXX should use non-negligent and lawful practices and review the investigation with the knowledge that I am providing. I am the victim here, I am being treated like a criminal. All this process has caused countless hours of effort reviewing and submitting documentation, as well as a wide range of inconveniences and related health problems due to stress. How could XXXX XXXX award someone a credit card with a {$10000.00} credit limit, when my credit report does not show my employment information? Let 's talk about not being negligent in their process of approving credit cards with a credible investigation of the customers. Did they realized that as a freelance XXXX on XXXX my income was extremely low for the credit limit they approved on my behalf? I have also notified the XXXX XXXX XXXX that identity theft that I am a victim of Identity Theft enabled by the use of a criminal postal address. Upon studying my credit reports I found several unauthorized inquiries mostly from XXXX XXXX to my credit reports. My stolen identity was also used to open another credit card. I found that an additional XXXX XXXX credit card had been opened on my behalf. Fortunately, no charges had been made. As I called XXXX XXXX to let them know that this card was open in a fraudulent way, first thing I hear from the customer service representative is " Ms. XXXX we appologize as we know we have had trouble delivering your card '' ( Again, the XXXX address ). It would be easier to pay the money owed as it is sitting on my savings account, however, I refuse to be the victim of these criminal actions against me. I am asking to XXXX XXXX to consider the fraudulent nature of their business before hiring an attorney. I have nothing to lose in providing evidence to support my claims to a judge. XXXX, XXXX XXXX XXXX has closed my file, as I have just found out ( XX/XX/XXXX ). I ask LVNV Funding, LLC to consider that a fraudulent account has been purchased ; after being approved by XXXX XXXX in a negligent way. My address was changed by the CREDITORS, not by me, either by negligence on their application process or by upfront choosing to do it to profit from a theft victim. The information used to validate the debt is fraudulent. Please consider revising the documentation provided. In my tax returns you can see that my address is not the one used to open the card. I ask LVNV Funding, LLC to investigate further, do the right thing. It is a matter of money for the company, but it is an assault on me. XXXX can choose to side with the perpetrators, and/or with the negligence of XXXX XXXX. I am happy to provide any documentation needed to prove my case.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A