Date Received: 2019-08-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV FUNDING LLC ... {$410.00} {$450.00} {$580.00} On XX/XX/2019 I sent a debt validation letter to LVNV FUNDING LLC which clearly states I am requesting the documents that they have that are supposedly tying me to the accounts they are saying belong to me.i sent the letter via certified mail, it was signed for and I have not heard back from them.at all.
Company Response:
State: FL
Zip: 32548
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING LLC a collection agency for XXXX XXXX XXXX of South Carolina. LVNV FUNDING list on all three credit bureau for me as a charge off for {$1000.00} in XX/XX/2014. And neither company can provide me with proof that this loan is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 4 years.
Company Response:
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding filed a lawsuit against me back on XX/XX/XXXX in Ohio. By XX/XX/XXXX never heard anything about this judgement again and ignored it originally because had no clue what it was for.. They submitted a judgement to revive debt in XX/XX/XXXX clearly 6 yrs later and I believe OHIO has a statue of limitations on debt collection after 6 yrs that they no longer can. When judgement came in XX/XX/XXXX. I failed to respond due to mother being diagnosed with XXXX at that same time and it completely slipped my mind. Now XX/XX/XXXX they have filed to garnish non wages meaning attach my bank acct. I have no idea first off what debt this is for at All. Secondly how can they come after me after statue if limitations had expired. I need help on what to do to stop this!
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: CACH , LLC WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY XXXX. ON XXXX XXXX I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XXXX XXXX WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF CACH , LLC AND XXXX HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: n reference to Complaint ID : XXXX Original issue : LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. LVNV filed a judgement against me Case # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract. In the reply from LVNV states that there was no contact from me until my current dispute. This is not true what-so-ever. I sent a letter requesting proof of ownership of the so-called account, which they did not respond to ( sent via email & USPS ). I again reached out and asked for the above-mentioned information an again was ignored. I called LNVN after I was summoned to court ( XXXX ) and the spokesperson stated I could claim hardship after I sent a letter to them which I decided to do since I just wanted this to go away. It was my impression that this would then be removed from my credit report, the thought being as long as it has been removed, I don't care how. I do indeed have financial hardship and was able to honestly send a letter stating so with supporting documentation. I was instructed by the spokesperson at XXXX XXXX XXXX ( LVNV 's attorney ) that they have filed to the court to dismiss the summons due to financial hardship and that upcoming court appearance would be canceled. I trusted them and now after reviewing again see this was not true whatsoever. I am a hardworking, honest person that puts my trust in other people ( organizations ) to do the right thing but apparently, I am to gullible to think that way. Being lied to about something concerning court hearings, etc. is beyond my comprehension. I called back as a follow up in regards to the dismal and removal from credit report and was again told everything is fine. I asked for copies of the documents filed with the court but never received anything. I also have NEVER received appropriate documentation with my signature stating this is truly my account owned by so-mentioned company. Who is to say another collection agency won't try the same thing using the same information not verified by any legal documentation.
Company Response:
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Last year XX/XX/XXXX I submitted a complaint through the Consumer Financial Protection Bureau against Resurgent Capital Services/LVNV Funding for the account # XXXX that they purchased from XXXX XXXX and placed it in collections on all 3 of my credit reports with XXXX XXXX and XXXX saying that it was my debt. I have sent several dispute letters to Resurgent Capital/LVNV Funding disputing all their continuous false allegation about this XXXX XXXX XXXX that they purchased that is not mine. They have sent statements trying to prove it was mine. A statement doesn't mean that's my debt. I have requested for signature and they have never provided one. Last year, they responded to my complaint with a 52 page letter that was very ill-informed. This company has destroyed my credit ratings for years and I refuse to continue to sit back and let with me knowing this is not my account. In the quest to continue to fight I continue to dispute XXXX XXXX XXXX the original owner of this alleged debt. On XX/XX/XXXX I received a written, legal document from XXXX XXXX XXXX further proving my case that after their investigation they found I am not responsible for any PREVIOUS or FURTHER balance incurred on this account. The site wouldnt let me Attach the letter from XXXX XXXX but I sure mailed it to Resurgent Capital compliance address.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/XXXX.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On or before XX/XX/2018, I sent out a registered mail to the following companies who was working on behalf of ( CACH LLC ) RESURGENT CAPITAL SERVICES and XXXX XXXX XXXX, XXXX. I requested each to produce all documents evidencing their right to act upon the conditions to collect such debt and produce all documents evidencing showing breach of any condition of the promissory note tendered by me. I was in need of a paper trail tracked all the way back to the original lender with no gaps in the chain of custody. No one could provide me with the information I was requesting.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have asked this place to remove the account info from my credit. LVNV XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX They will not remove this and it has been paid in FULL
Company Response:
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2019-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A