Date Received: 2019-07-29
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: 72 e-mails received of which 26 were received on a Saturday or Sunday defined as inconvenient time, 1 received on Saturday and outside the contact peiod, and 6 were multiple e-mails received at same time.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled with LVNV funding on an account originally from XXXX XXXX XXXX. Attached is settlement agreement. I would like to ask LVNV to remove this as a collection account from all three credit agencies.
Company Response:
State: NY
Zip: 10598
Submitted Via: Web
Date Sent: 2019-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: There is an account that has been reporting as deragotry on ALL of my credit reports, since XXXX. Name of company is CACH LLCz i disputed this with XXXX & XXXX. They will not provide proof and validation of the accused debt. Nor will they remove it. It is negatively affecting my credit score, and i can not get approved for any sort of loans. Including Secured credit cards that require no credit as you pay collateral. Specific account info : - CACH LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX Also, over 5 inaccuracies in inquiries repoeted and affexting me negatively that are beyond the statue if limitations of length. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : INSURANCE UNDERWRITING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Please advise how CFPB can protect me as a Consumer against these predatory lending efforts to ruin my credit scores and affecting my family from obtaining a mortgage for a house to live in
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/2019, I received several alerts from my credit monitoring services that an account was reported. To my surprise, LVNV was reporting as a open Factoring company showing 90 days past due as well as a collection. I have never received any correspondence or calls in regard to this alleged debt. I have filed complaints with the XXXX and mailed/faxed/attached to XXXX website a Debt Validation letter. I have sent this document 3 times only to receive a letter from Resurgent advising that they are the servicer for LVNV. Also received a bunch of statements. The letter nor the statements VALIDATED that alleged debt. Who is Resurgent anyway? Why are they collecting for LVNV? The alleged debt was for a credit card that is showing that the debt was sold to XXXX XXXX. Who is XXXX XXXX? Never heard from LVNV, Resurgent or XXXX XXXX and the alleged date was brought in XX/XX/2019, but reported in XX/XX/2019 when I decide to apply for a mortgage to buy a home for myself and kids. And not only are they showing as a factoring company as a tradeline, they are showing as a collection! My credit score plummeted! It seems that they are scamming to collect funds from anyone who will fall victim. These are unlawful practices and I will report this to the FTC and the XXXX ( Again! ). They never validated the alleged debt. I requested this 3 times. They since then closed the tradeline but have yet to remove it from my credit report!
Company Response:
State: TX
Zip: 75240
Submitted Via: Web
Date Sent: 2019-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Here are pictures XXXX XXXX extended me credit which I used to buy 1 order of 3 items : 1 XXXX controller price orginally XXXX now on statements XXXX. 1 XXXX XXXX XXXX 3 1 silver earrings which I was allergic to or my mail was possibly poisoned so I returned it. XXXX did not give me a 10digit Customer ID and used confusing digits to identify account ie XXXX XXXX. XXXX did not ship my items in 1 order to increase total shipping cost to about {$45.00} USD. I am certain that XXXX altered prices especially on the returned item ; see photo. XXXX still will not give my Customer ID and claims my account was sold to another company that uses the same email prefix XXXX XXXX [ XXXX ] vs [ XXXX ]. I believe XXXX can refuse to case money orders or wait to cash them causing debt errors. Or my mail is stolen and/or not delivered. I was unable to pay online or via card because the 10digit customer ID requirement but I have a 9 digit Customer ID. I suspect my mail is not being delivered and/or posioned with " yellow stuff '' I am missing a large amount of money from Social Security Award. XXXX Card Statements show XXXX+ in back pay for Claim XXXX see XXXX but I was XXXX and still unable to afford housing. My mother XXXX XXXX XXXX XXXX died on XXXX XXXX XXXX at XXXX XXXX in XXXX XXXX. I think I am being robbed of money especially during times when I was put in XXXX hospital involuntarily and the Police stole my ID card. I am also missing 2 XXXX XXXX rings a blue XXXX dollar bill stamped " main office '' in blue ink and my XXXX. After this incident I left the trailer I was staying at Mom 's old care giver XXXX XXXX and I was XXXX again. If I had actually gotten the award amount claimed perhaps my mother would be living and I wouldnt have been homeless. Now I think I am responsible for the XXXX Back Payment in taxes and the XXXX. I wrote Social Security requesting that they stop printing my full social security number on all mail and asking for a new SSN. I also sent certified letters via XXXX XXXX Social Security Office XXXX XXXX XXXX SSA Dep XXXX Additionally my SSN has writs of execution from XXXX I just discovered see XXXX and look for the civil cases list. I was put in XXXX XXXX but not taken to my civil court cases next door XXXX Central Court. -- This, after being attacked by officers during XXXX XXXX and then " Bagged '' suffocated and my bloody tshirt evidence was destroyed and I couldnt subpeona the booking photo # XXXX for XXXX XXXX jail. They changed laws and claimed firearm removal and I was falsely arrested for " XXXX XXXX '' and [ intentional ] vandalism. But I incurred a XXXX debt collection lien from the XXXX XXXX Scans and emergency medical treatment ( possible XXXX XXXX between XXXX of XXXX XXXX ). The next month XXXX gets new CEO and bonus payouts of XXXX, XXXX I was also deemed " XXXX XXXX '', unconstitutionally denied jury trial, denied bail, denied habeas corpus for want of bail CA PENAL 1490, and not arraigned within 72hours per CA Penal Code 825. Additionally the Public Defender was not allowed to see me at least 1 time while at XXXX Right to see client is CA PENAL 825 ( b ) While at XXXX XXXX hospital and XXXX PRISON prior to SENTENCING or " fair trial '' ; I was denied all forms of contact with legal representation ; including mail. I wish there was Internet in any facility whether it be government or not especially mental facilities. The constitutional right to " assemble in peace '' would be best asserted by online assembly via internet use. Also there needs to be a way to : pay bills ; change mailing address with USPO, send certified mail, file taxes, method to pay 3USD for Civil Suit per applicable Law, work for minimum wage to afford judicial neccessities like PHONE TIME. The Phone Monopoly prevents calls to XXXX and any automated numbers like Attorney or Bank Robotic Message Prompts because PAID calls require the Callee to accept the call with a " Press 1 to accept this call '' limitation. XXXX are disabled but even the AREA CODE XXXX Directory Service Line is not callable so getting a Notary Public/ Attorney or you name it could be impossible. Thus it is my belief that BAIL is RANSOM requiring a 3rd party to intervene and perhaps co-sign with " REAL PROPERTY '' collateral. Additionally, I suspect legal fraud with court documents failing to correctly name Attorneys of Record and intentionally omitting STATE BAR NUMBERS. Also the Courts utilize a Checkbox system that is easily modified at any later date. There needs to be a " checksum '' and " cross out '' unused check boxes. I think if the court wasn't corrupt recording of CA court would be legal, additionally all courts would have docket numbers to ensure the accuracy of calendared court events. But XXXX XXXX Court does not do this, it was my experience that I was chained armed crossed and not able to submit motions for XXXX return of unlawfully siezed property without Reciept of Manifest. And I was not able to submit subpeonas nor a XXXX XXXX motion involving the expert witness destructions of " would-be '' laden fingerprints if police accusation were truth ; and the destruction of my T-shirt Bra and other Clothing articles. Which would have blood evidence. I was also not able to present my pink flip flops in court to argue against the claim of " wall kicking '' etc. The court doesnt care that they erred. The Appellate court Plagiarised the material from the court case and reitterated it ; The Case Law will be unpublished and thus not allowable for plagiarism in court to deny a Judicial Officer the right of decision. The Psychiatrist has more Judicial Power than judges with authoritive subjective statements comprising of two words " XXXX XXXX '' that can divest real property and deny and disparage all constitutional rights ; As evidented in the XXXX case and the divestment of communal spousal property of the XXXX owner 's ' Spouse. Please consider Standarizing Law with common numbers state to state ratified at states discretion or amended. Please consider a new field of employment ; The Peoples ' Amenders ' Office that can help citizen complaints, law creation, reporting of loop-holes for judical amendment for JUSTICE, etcetera. Quality Assurance Testing of the law would be a beneficial employment opportunity and perhaps save taxpayers the unJUST expense of CRIME and PUNISHMENT. ie 1 person out of XXXX can cover the cost of up to 27 people on Food Assitance Programs. Conversely, a car thief punished, at maximum time per applicable laws ( which moot the need for court/jury review ), can cost more than XXXX to PUNISH. Wheras the original stolen car is much less of an expense. Consider This, -XXXX
Company Response:
State: CA
Zip: 92543
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: First time they contacted BY E-MAIL was XX/XX/XXXX and the -mail they had contacted me through is one my mother uses that's in my name. I don't know how they even got that one. The e-mail had been hacked a month ago and now here it is personal info was on that e-mail
Company Response:
State: KY
Zip: 415XX
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Lvnv XXXX was settled by me some time back I want it off ny report please
Company Response:
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This debt collector LVNV funding is still claiming that I owe them when I dont. This is a junk debt collector that I never signed any contract with or opened any accounts with. The original creditor wrote this debt off on their taxes and sold it to this " junk '' collector which I dont owe because I never signed a contract with lvnv funding llc. This debt collector does not have a right to collect from me under the FCRA. And should be removed from my credit report. I have also never received any written correspondence regarding this debt from lvnv.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company claims that I have received written correspondence regarding this debt before it was reported to the CRA. I have never received any written correspondence but I have received a threatening phone call from this collection agency. This is a violation of the FCRA for not sending written notification regarding debt and should be removed from my credit report
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I noticed an account on my credit from a company called Resurgent- LVNV Funding/ Account Number XXXX. I did not have their phone number so I sent them a certified letter disputing the validity of the debt based on the information that was available to me on my credit report. The letter was received- however, it's been 60 days to date and the account remain on my credit. They have yet to contact me and or remove the unknown entry.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A