Date Received: 2019-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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 XXXX # 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.
Company Response:
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding is reporting to my credit report that I owe over {$5000.00}. I never recieved any proof that this is my account. I would like a copy of the original contract stating that this is my debt
Company Response:
State: NY
Zip: 10598
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I do not owe a debt to this servicer and I do not know who this company is representing XXXX/XXXX XXXX. Any money owed to XXXX XXXX has been paid to XXXX XXXX XXXX- # XXXX with payments paid since XX/XX/2019 as agreed and will be satisfied with last paid due on XX/XX/2019.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: According to the National Consumer Assistance Plan, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. Thank you!
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: According to the XXXX XXXX XXXX XXXX, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect collect a debt from me. I mailed them the template collections letter that this website provides on XX/XX/19, and the section from the XXXX that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the XXXX because it corroborates the policy set in place that I am talking about. Thank you!
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC added an account on my credit report for an alleged debt I do not owe. I have no idea who this company is. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. Their debt collection tactics are deceitful.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been disputing the validity of these accounts for a while. Please review the attached documentation and remove these accounts.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This a credit card debt for XXXX XXXX. I have provided police reports explaining I was a victim of identity theft.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2019-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV FUNDING LLC / XXXX this debt was settled and paid - yet it is showing as a collection account - active - on various credit reporting agencies. Company has been notified more than 6times.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2019-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i have repeatedly asked for a debt validation from Lvnv Funding Llc they have not sent me a contract that i have signed agreeing to pay any amount but yet they put it on my credit report
Company Response:
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2019-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A