Date Received: 2019-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV funding is continuing to respond with every complaint with a credit card statement from the original creditor. This company is continuing to report to the credit bureaus as a factoring company, however a factoring company purchases debts that are in good standing and holds them while collecting payments. This company is not my original creditor and therefore does not have the right to report as a factoring company on my report. Also please send me the customer agreement that contains the arbitration clause by the credit card company that this debt was purchased from. This company is not immune from the arbitration agreement and I will be bringing this matter to arbitration via XXXX in which this collection company would have to pay all my fees and other fees associated with the arbitration. I need you to produce the arbitration agreement clause with my name on it from the original creditor
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2019-08-09
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 have constatnly contacted this agency about producing me with a copy of the original signed contract which is required to be produced to a consumer under the new UCC Laws. This company has yet to produce a original contract showing that I am liable for this account or that I signed and opened this accoutn in my name. Even after Credit One sent a letter sayign they are no longer tryign to collect on the debt this agressive unethical agency still persists to persue a debt they have not rightfully or lawfully validated. My next step is court. I have already retained counsel.
Company Response:
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Collections Account with Resurgent Capital Services, aka LVNV Funding, aka XXXX XXXX XXXX XXXX. Resurgent Capital Services # XXXX aka LVNV FUNDING LLC # XXXX This debt was settled on XX/XX/2019 via XXXX web portal. It was explicitly stated that the 1 time - settlement amount is {$410.00}, to settle the account in full, which I paid in full. I have full documentation, screenshots, bank records fully recorded on paper to this effect. Resurgent claims I owe another {$410.00} ( in other words, they are ignoring their own settlement, on the web portal, which I have full written proof of ).
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: -1- am XXXX XXXX and live on soveirgn land -2- XXXX closed account and then sold to XXXX XXXX, inc. as did XXXX XXXX XXXX -3- living on XXXX, XXXX took me to court in XXXX county, my XXXX is in XXXX county but not legal to take me to court there.as we do not adhere to judgements and such.
-4- talked to an attorney here on my XXXX, whom I did not hire but is at my disposal if needed.
-5- contacted my boss at my job and send info to him to try to collect this debt
Company Response:
State: MN
Zip: 566XX
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2018.This debt collecting company LVNV reported this item on my credit. I sent out several validation letters to them and to the bureaus. with all that I ask them to send me to validate this debt, they did not send. I also sent a affidavit to this company for validation with no response.im looking at this matter as fraud.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dated XX/XX/19, I received notice from LVNV Funding LLC in reference to debt owed of {$750.00}. Please provide validation of this debt per FCRA regulations.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: i have made several attempts, during my medical leave, they declined to work with me, so i can make the affordable payment with the original creditor XXXX XXXX,, credit card balance was {$500.00}, they sold the debt to LVNV Funding, now all these other fees are included in ending balance. I offered a settlement offer to XXXX XXXX, whom said they don't do that, LVNV add 's in their fees outside the balance that is owed to the creditor. It will not be what you actually owe
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have a small business XXXX XXXX XXXX and XXXX XXXX XXXX., since XX/XX/XXXX.. I filed for bankruptcy and discharged last XX/XX/XXXX. I tried to revive my small business but the economy continue to get worse in the XXXX XXXX. I owed almost {$10000.00}. to 3 different credit card companies. Last XX/XX/XXXX, I tried to negotiate in a letter to lower the interest rates and modify my accounts. They all rejected my request. My golf business is now " DEAD '', no income. My only income now is from my social security, just enough to pay my mortgage. For the last 5 months now, I have not paid my credit cards. I have now letters from " lawyers/collections agency '' threatening to sue me. I really DO NOT HAVE ANY MEANS /money TO PAY THEM ... I still have a lot of inventories in XXXX XXXX and XXXX related products like, shoes, belts and boots.. I am doing a regular " garage sale on week ends '' I need your help and advise on what to do. Please point me to the right direction of what to do.. Respectfully yours, XXXX XXXX XXXX XXXX. Tel. XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX )
Company Response:
State: CA
Zip: 92260
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I recently found out that the collection agency LVNV FUNDING LLC reported to my credit report without notifying me that I even had a debt and or that they were handling this alleged debt. When I found out this information I sent LVNV FUNDING, LLC a letter to the address listed on my credit report with the intentions of exercising my right to dispute/validate this debt. When I sent the letter to the exact address listed on the credit report directly from XXXX and XXXX the certified mail was ( RETURN TO SENDER UNABLE TO FORWARD ) They are inaccurately and incompletely furnishing information regarding the debt and in regards to me to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which they are responsible. They are violating my rights and causing me severe damage. We are in the process of getting a home loan and this is going to ruin it. I have the right to seek remedy for the damages from the courts, but at this point I just want LVNV FUNDING LLC to fix their mistake in its entirety.
Company Response:
State: CA
Zip: 95358
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: All three Credit Bureaus have reporting from LVNV Funding LLC which I discovered was actually Resurgent Capital Services. They are reporting a debt owed on two separate Credit Card Accounts ( one XXXX XXXX, the other XXXX XXXX ). The amounts shown are for {$730.00} and {$710.00} on accounts showing to have been CLOSED in XX/XX/XXXX and XX/XX/XXXX. I currently have open & Current Accounts with both of these banks and as I TOLD this Collection Agency in Writing on 3 Separate occasions I have NO KNOWLEDGE of these CLOSED Accounts. I therefore asked them to provide ANY PROOF these accounts are really mine. ONE FORM showing my signature would serve as such proof and since I sign numerous charges with BOTH Banks I currently use. This seems to be a Logical, Simple and Common Sense Step in aquiring PROOF of Ownership. I stated that with such proof I would be happy to resolve the issues. But again, I have no knowledge of such accounts so I also asked that if they were unable to provide such documentation they REMOVE the false reporting from my credit file. Rather than providing me any supporting documentation OR removing the false reporting. This collection Service has instead actually put in writing they expect me to provide PROOF I don't have an account. That's INSANE!! It is impossible to prove you don't own something you don't have. They even provided me with duplicate mailings stating they would NOT continue to correspond with me and have made NO attempt or provided any reason for their FAILURE to provide any proof the accounts exist. And through that action they are basically EXTORTING me to make payments on accounts about which I have no knowledge. The Reference Numbers I have been Provided by Resurgent Capital Services are XXXX XXXX And those are the ONLY Actual Numbers I have EVER been provided.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A