Date Received: 2019-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed this with the credit bureau and they removed it and place it back on my credit. I have told the company that this is not my debt only thing could send me was a copy of the bill no paper where I signed no contact from me.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Today date, XX/XX/2019 I received a noted from LVNV Funding LLC. Stated that I contact this Company with in 30days, I called to make settlement agreement with them. As first we agreed upon {$720.00} make monthly payment in the amount of {$75.00} on third day of every mouth, I gave them my bank account number, then they backed out of the agreement they wanted the total of {$1.00} dollars that is the amount they said I owed, my credit limit is {$500.00}. I was willing to pay {$720.00} per their offered. Then they said they wanted the whole {$1200.00}. I have had tried for 7 times now, didnt come to solution
Company Response:
State: IN
Zip: 47408
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have received a letter dated XX/XX/2019, from Resurgent Capital Services, on behalf of LVNV Funding LLC, I want them to stop contact me using any communicating no matter what state they decide to/or doing business in and I dispute the {$850.00}, LVNV Funding LLC last attempt was in XX/XX/2019 at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, I provided his office with a dispute letter and a list of items for verification of the debt {$850.00} and it has been past 30 days and his office has not provided me with anything. after several weeks went by I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, and ask about the debt verification letter I sent and his office has informed me they are no longer representing LVNV Funding LLC in this matter. I called Resurgent Capital Services and asked was they same people sending me a letter from XXXX XXXX XXXX XXXX Mi XXXX and Resurgent Capital Services office said that was not them. I said that XXXX search and online court documents pointing you are the same people from XXXX SC Resurgent Capital Services office told me that they can not speak to me because A cease and desist on my account and I need to give them permission to remove it and I said no I will not remove the cease and desist I also contacted the State of Michigan, XXXX XXXX and Regulatory Affairs who informed me that Resurgent Capital Services are do business in Michigan as a collection agency and used XXXX SC as a contact the same address is on my letter. LVNV Funding LLC, have tried ever harassment technique to communicate with me through different collection agencies each of them was unable to verify the debt this has been going on for about 1-2 years I will no longer entertain Resurgent Capital Services and LVNV Funding LLC and the collection agency it hires. The address on the XX/XX/2019 letter has XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX SC XXXX and Resurgent Capital Services customer service representative said they was not the same people I would like to file a complaint with the The Consumer Financial Protection Bureau
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The collection agency LVNV funding has been calling and threatening to ruin and damage my credit if I dont pay them. I have asked numerous times not to call anymore and that I will be filing a lawsuit against them.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I saw a credit report that had LVNV Funding on my file. I wrote LVNV FUNDING and asked them to validate this debt. They didn't answer me. But they continue to report it on my credit file and they continue to add more money to the amount owed
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent LVNV Funding LLC C/O Resurgent Capital Services a certified investigation letter on XX/XX/XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i LVNV Funding LLC had 30 days from the date they receive my dispute letter ( XX/XX/XXXX) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still havent received any validation of this date, nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX which was delivered XX/XX/XXXX stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stating after doing my own investigation and contacting XXXX myself that the opening date was XX/XX/XXXX and that the debt was sold for way less then what is being collected for on my credit report. Based on FCRA this account is to be deleted now for failure to provide accurate information to the credit bureaus and failure to provide validation of the debt in the legal time allowed per the FCRA. I then receive a letter from Resurgent Capital Service dated XX/XX/XXXX stating that they are managing the account for LVNV Funding LLC and has initiated a review of the inquiry. A few weeks later I receive another letter from Resurgent Capital Service dated as XX/XX/XXXX stating that the account has been review and attached is the documents, which was just a signed contract. I requested validation of the debt back in XX/XX/XXXX which is 3 months past the legal time they originally received my letter per the Federal Fair Credit Report Act 15 U.S.C. 1681 ( I ). The signed contract that was sent DOESNT show if any payments has been made, if there was any additional interest fees was added, any collections fees, etc. ONCE AGAIN MY RIGHTS HAS BEEN VIOLATED per both The FDCPA and The FCRA because the letter I received from your facility didnt give any true validation of the amount of debt being collected.
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has a charge on my ( 3 ) Credit Report for {$3600.00} for a Credit Card debt. I never had a XXXX XXXX Credit Card. In XX/XX/XXXX this account was open ... In XX/XX/XXXX it was removed. In XX/XX/XXXX. XXXX it again report on my credit report as me opening it. Then it was reported to XX/XX/XXXX it was reported on my credit reports. The reference number under Cach Llc/Resurgent Cap is XXXX Balance {$3600.00} Original Creditor : Not Available COLLECTIONS XXXX ( XXXX XXXX XXXX XXXX ) Act. # XXXX Opened XXXX Reported Closed Condition
Company Response:
State: SC
Zip: 29532
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Around 2012 I paid this card with proof from bank and it was sent to collections by original bank. Now Cach LLC will not accept it was paid with proof and it remains on credit reports.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I tried to contact this collection company, in reference to Resurgent Capital Services asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$820.00} is mine from XXXX XXXX XXXX. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX report permantently.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services and LVNV Funding LLC have contacted me stating that I owe {$4000.00} to XXXX XXXX XXXX. with an original date of XX/XX/XXXX and a change off date of XX/XX/XXXX I did send them a certified letter on XX/XX/XXXX stating that this debt is not my debt and to cease and desist letter however instead they did utilized my information and send me back a " computer generated verification '' with my information typed on a blank paper pretending this is my debt however they never send the original document signed with my information in the original document as stated in Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. they have Illegally and fraudulently utilized my information to collect a debt that is not my debt due to the fact that I have never had any business with XXXX.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A