Date Received: 2019-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of credit card identity theft : someone opened an account in my name, charged {$590.00} to the credit card, and never paid. I did not know that anyone had taken out a credit card in my name until XX/XX/XXXX, when I discovered I was a defendant in a small claims case in Missouri. As soon as I discovered that someone was using my identity to get a credit card in my name, I filed a police report, contacted the three credit agencies to put fraud alerts on my credit, and filed a identity theft affidavit with the FTC. My court case was dismissed in XX/XX/XXXX. The debt was sold to a collection agency, Resurgent Capital Services ( XXXX XXXX XXXX XXXX, SC XXXX XXXX ). When I called to tell them this was identity theft, they still did not believe me, so my attorney got involved and spoke with them. She then sent them a letter with copies of my fraud affidavit, police report, drivers license and social security card, but they said it was not sufficient evidence to discharge the debt. My attorney 's office is still receiving harassing letters from this company, who will not cease contact with me. I am trying to get this debt removed from my credit report. I am hoping you can help me.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Opened XXXX, credit card, it was discharged XX/XX/XXXX then it was repurchased 2 yrs later XXXX for monies and I had NO knowledge and then again transferred to CACH LLC XXXX. Even credit one supplied me with all the above information and had no knowledge that this charged off account was being bought by collection agencies. I notified XXXX XXXX XXXX XXXX DE, my bankruptcy attorney advised me that once this was charged off, it was not to be purchased two years later ( statue of limitations ) and then again in XXXX XXXX deleted this account
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pulled credit report on XX/XX/2019 Found item on report and disputed Sent letter to company Company signed for certified letter No response from company Sent second letter to company Company signed for certified letter Pulled credit report on XX/XX/2019 and item remains on credit report Company does not respond to letters sent
Company Response:
State: LA
Zip: 70506
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pulled credit report on XX/XX/2019 and noticed item on report Mailed letter to company about item on report. Company signed for certified letter. No response was received from company. Sent second letter to company for verification of item on report. Company signed for certified letter. No response was received from company.
Company Response:
State: LA
Zip: 70506
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notification from XXXX XXXX in mid XXXX 2019 stating that an alleged account in my name had been turned over to LVNV Funding LLC as of XXXX 2019. I never received notification from LVNV Funding LLC or XXXX XXXX prior to initiating a dispute with them that this was the case so LVNV Funding was put on my credit reports with all 3 credit bureaus prior to me having the chance to dispute it. Second, I sent a letter to LVNV Funding on XXXX/2019 requesting that they provide me with the following information : COMPLETE PAYMENT HISTORY, THE REQUIREMENT OF WHICH HAS BEEN ESTABLISHED VIA XXXX XXXX XXXX 745 N.E.2D 862 ; 2001 IND. APP. LEXIS 509 AND AGREEMENT THAT BEARS THE SIGNATURE OF THE ALLEGED DEBTOR WHEREIN SHE AGREED TO PAY THE ORIGINAL CREDITOR. LETTER OF SALE OR ASSIGNMENT FROM THE ORIGINAL CREDITOR TO YOUR COMPANY. ( AGREEMENT WITH YOUR CLIENT THAT GRANTS YOU THE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. ) INTIMATE KNOWLEDGE OF THE CREATION OF THE DEBT BY YOU, THE COLLECTION AGENCY. I just received a letter from LVNV Funding staying that my account was validated along with one statement from XXXX XXXX. That is not what I requested. I have attached a copy of the letter I sent for your reference.
Company Response:
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: IsentacertifieddebtvalidationlettertoResurgentCapitalServices(LVNVFundingLLC)onXX/XX/2019.ItwasdeliveredonXX/XX/2019.IreceivedaletterfromResurgentonXX/XX/2019.Ireceivedthedocumentattached.Thereisnoagreementwiththecreditortoauthorizethemtocollectthisallegeddebt.ThereisnobearingofmysignaturestatingthatIhaveassumedthisdebt.Therearenovalidcopesofthedebtagreementstatingtheamountofthedebtandinterestcharges.Noproofthatthestatuteoflimitationsexpired.Nopaymenthistory.Aswellasnolicensenumbertoshowthattheyareregisteredagents.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: This company holds four collection accounts under my name for credit card/medical debt. They constantly keep changing the dates of these collections on my account to make them look recent, when in fact they were over two years ago. They also keep changing the name of the collection agency from LVNV to Resurgent Capital Services, back and forth on my credit report with different and more current debt dates of the action ; thereby, keeping these accounts on my credit report with newer dates ( Both LVNV and Resurgent Capital Services use the same address and phone numbers.This is so they will not fall off within the seven years as required. Three of these debts are medically related and I have filed a complaint with the California State Dental Board against this company. I also notified the original creditors as well as the collection agencies of this dispute and filing with the State of California. These were all ignored as well as all my other correspondence with these creditors and collection agencies.I also just recently went through a natural disaster ( XXXX XXXX, XXXX California ) and lost everything. I have a FEMA Number.
Company Response:
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Lvnv Funding XXXX claimed they took over my debt from XXXX XXXX credit card. Multiple times I have been called and I asked for the. To send me proof of bill. If I owe I would make pmt arrangements. I never received anything. Today my house member called me and stated I got served. It is {$820.00}. I do not want yo have to go to court. I just want proof!!
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received notification in XX/XX/2019 of debt from LNVN being reported on all three credit bureau reports. Reviewed reports and noticed a collection of {$5700.00}. This collection has decreased my credit score. I have never heard of this company nor received any type of correspondence verifying this debt nor any correspondence showing their authority of this debt.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX 2 Credit Cards in Debt Consolidation 1 XXXX account that charged me for equipment I returned 1 XXXX XXXX that withheld information on the contract It became a law that medical would no longer effect your credit score and it shouldn't, since these are not debts we chose to create! Most people can't pay the high prices of going to the hospital these days and all the businesses are getting highest deductible possible so they can afford to offer employees insurance. Most never meet that deductible, therefore never use the insurance we paid for all year. I see they have came up with a way to get around this law and that is messed up. Turn it over to collection agency and then put it on people 's credit report with additional cost. If it clearly states on the collection it's " Medical '' then it should not be allowed on our credit reports. I know I'm speaking for a lot of people here that thing this is very wrong. I've been working really hard to rebuild my credit and was doing good until I moved out of state for a better paying job only to get laid off 4 days later along with most of the other employees. I struggled to pay my bills still and got down to eating one meal a day, because I didn't want to ruin the credit I had built back up. XXXX XXXX and XXXX XXXX need to be sued for false advertisement and I may proceed with that if I can find someone to file a Civil lawsuit. I've been watching my score on these two every month and planned to buy a house again finally at age XXXX and stop renting and according to them, my credit was good enough to qualify. Then only few weeks later I go and do the application to get things going after getting a great job back in my home state near my family again and it comes back under 600 and now I can't get a house! This is so not fair, when things happen beyond our control. I have paid all my bills on time for past 3 years, none of my credit is maxed out, but because of the Collections on my reports, it dropped my score down on all 3 Credit Bureaus, but not on XXXX XXXX or XXXX XXXX. I also have 2 credit cards that should have been up top as being paid because they are in the Debt Consolidation that I did in XX/XX/2016 after I couldn't manage to pay all my bills and live on unemployment. I think they are on there twice which I know can't be good. I have disputed them on each Credit Bureau and got nothing fixed and just a " Sorry, we can't help you ''! Something needs to be done, it's not fair these Credit Bureaus have the power to destroy people 's lives! I don't deserve this. I've been working 2 jobs for over 2 years to make sure I pay every bill on time! I have a XXXX XXXX XXXX XXXX for which I owe {$57000.00} for and it has done nothing to help me get any of the jobs I have gotten. Then I find out that college was overcharging students but can't figure out how to get in on the lawsuit and get this debt reduced. Can you please help me with my credit report? All I need is a 620 to 630 to get a home.
Company Response:
State: OK
Zip: 74135
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A