Date Received: 2019-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC C/O RESURGENT XXXX XXXX XXXX XXXX XXXX, SC XXXX PH: XXXX Made up account # XXXX Creditor XXXX XXXX XXXX amount XXXX 01 XXXX $XXXX they have put both of these accounts on reports I have disputed these account through the bureaus and no result. But the problem is , they didnt provide the documentation that proves I owe them anything . Where is the contract between their company and me ? Where is the full accounting, because I cant just take their word for it that, I owe some company Ive never contracted with, some made up number. Where is their license and bond for the state of Florida ? .
Company Response:
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
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: i've disputed fraudlent items on my credit report and the credit bureaus have not helped me resolved the problem
Company Response:
State: TX
Zip: 77020
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have already filed disputes with the reporting agencies several times that the amount owed is less than {$200.00} of the {$400.00} credit limit. LVNV Funding keeps billing me {$770.00}. in the last dispute, I requested a copy of the charges/ debt verification, but only received a letter from XXXX that the charges were " valid ''. In XX/XX/2015, I responded to a court summons from LVNV, but never received a hearing date.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing because I have a problem arising from a debt not owed by myself to XXXX XXXX which is their error ( admitted by the XXXX company ) and is being handled by LVNV Nevada debt buyers. I have previously disputed information both against LVNV and XXXX XXXX and the accounts were removed from the top 3 CRA 's database. Recently they have reinserted the account illegally and have begun their harassment anew. XXXX XXXX knows that the account is an error on their end and have told me that despite this they can not adjust it as they do not have access to the system. they were supposed to contact LVNV about the error. I seem to be getting the run around here. One company knows the error of the debt is not accurate and the other is trying to collect upon it regardless. As stated, I have previously won a dispute against both XXXX XXXX and LVNV and both accounts were placed back into my consumer credit files with the top 3 bureaus. I feel I am not being helped along and no effort is being taken to correct the issue other than being given lip service about how sorry they are that I am in the middle of this matter. I am seeking assistance with the CFPB in this matter.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2019 I received an email from a XXXX notifying me that there was a derogatory mark on my credit report. It says that I owe {$1200.00} to a company named LVNV Funding which I have never heard of. I was not notified of this prior to the derogatory mark nor was I given any information about this company. I wasnt given a chance to dispute either.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As my consumer rights as a citizen I'm requesting a debt validation from LVNV Funding, and a Method of Verification from the credit reporting agencies known as XXXX and XXXX to show just cause of why they continue to report an account deemed to be fraudulent. Who / title of the person inwhom your company 's representative talked to and what form of communication was used. I'm demanding that the account LVNV Funding inwhom I have no contract with be removed immediately.
Company Response:
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have never received any verification of debt. They appear on my Credit Reports, However never contacted me, never sent me any letters as to who they are and why they are on my credit reports. I contacted this company and their response was that I owed them {$570.00} from an account from 2013. I do not recall owing on any account from 2013. Their response was very vague and not informative at all. I even tried to pay in full as long as they would delete this from my credit report and they told me that, that was impossible to do. They are basically holding my credit scoring in a horrible situation as this is my only negative account. Meanwhile they will not provide me with any verification on this so called account.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2019-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In2017XXXXchargedme{$1500.00}for2fraudulenttransactionsthatweren'tmadebyme.Nowafter2years,XXXXadded{$1300.00}ininterestsandfeesandsoldthedebttomultiplecollectioncompanies.Oneafteranothertriedtocollectthesameamountofmoneyfromme.2weeksago,XXXXXXXXXXXXagreednottocontactmeanymoreforthedebt.Today,ResurgentCapitalServicescontactedmetotrytocollect{$2500.00}.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I submitted disputes to LVNV, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was checking my credit report and saw this company LVNV FUNDING LLC as an account on my credit report I have no idea who these people are they just appeared and it looks like they have been on my credit report for over a year if they are a debt collector they had to open a new account in witch I never gave them authorization to do so they did this without an a agreement or signature from me this is identity theft. And this is why I am filing this report.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A