Date Received: 2019-05-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV Funding ascertained my XXXX XXXXXXXX credit card debt. Upon securing the debt for pennies on the dollar, no attempt was made by them to inform me of their ownership of my said debt. I found out while paying off derogatory marks on my credit report. This was XX/XX/XXXX. XX/XX/XXXX I have paid off the debt to them in full, in full mind you, to which it still has open on my report. Several calls and letters issued asking to please remove it or at very least to close the account. 3 years they let my intrest accrual and now after being paid, they won't close it. It's killing my chances of improvement.
Company Response:
State: OR
Zip: 97520
Submitted Via: Web
Date Sent: 2019-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Told company by phone that this is not my debt. I have never done business with LVNV Funding managed by Resurgent Capital Services at XXXX on XX/XX/2019. They don't care that I do not have a written signature contract with them. I do not owe this company and they need to remove this from all credit reporting agencies and my reports and never be able to put this back on their again or try to call me or send me mail again. If they try to sell this to another company this is fraud as I will not owe that company either. Do not ever Call me repeatedly or/and mail letters.
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 2 accounts for the same company were paid in full and closed are showing on all 3 credit bureaus as open and delinquent. I disputed online with all 3 bureaus and I also disputed via telephone with all 3 bureaus as well as sent in proof of payment on several occasions. The account was sold and I also disputed with the 3rd party. Both accounts were paid in full and closed on XX/XX/XXXX. These accounts were sold and placed in all 3 credit bureaus as negative and open on XX/XX/XXXX and XX/XX/XXXX and both are still showing on my reports which are affecting a home purchase by lowering my credit scores.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX resurgent capital services XXXX XXXX XXXX XXXX sold account to XXXX XXXX, Resurgent Capital Services. Now I do not know where this account actually exists because it has been passed on to so many different collection agencies. I told original creditor my situation, then I told XXXX XXXX the same situation and no Resurgent Capital Services the situation on three separate correspondences. I am collection proof. I am XXXX/XXXX/XXXX. My husband passed away in XXXX taking 75 % of our income with him. I have no funds to pay the amount they say I owe and I do not have funds to secure legal help. I have social security income that barely meets necessities. This is not the situation I intended to be in at XXXX years old.
Company Response:
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: One XX/XX/2015 I received my first credit card from " XXXX XXXX XXXX ''. Within less than 10 days of having the card, there was initial fee {$75.00} on the online statement. I call the company on XX/XX/2015, to close the card. They informed since, I only had card withing less than 15 days, they were not going to report anything to credit bureau. At that time I only owe them around {$100.00}. I sent money order withing 2 days of cancelled the card to in California, which they provided to me over the phone when I was cancelling the card. Almost year and half later, I checked my credit report and saw XXXX XXXX XXXX Had been reporting to the credit bureau. Infact they had reported 7 months current payment and 8 months non-payment. I had send dispute to the 3 credit bureau and they didn't resolve my issue. I contacted XXXX XXXX XXXX in my state. XXXX XXXX XXXX did removed the negative reporting. While this was happening LVNV Funding LLC took over the false debt and start reporting my credit report. I had send several disputes them and they would not remove false debt. I need help solving this issue. Below is the account in question information. Original Creditor : XXXX XXXX XXXX, XXXX. Current Owner : LVNV Funding LLC Account Number : XXXX Reference Number : XXXX Thanks, XXXX XXXX
Company Response:
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In reference to my earlier complaint XXXX with LVNV Funding LLC, I have new supporting documentation of all accounts satisfied in full.
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding - XXXX - is reporting and attempting to collect a debt I already paid! I already settled this debt over a year ago to the previous creditor. Also I never got a notice from you, I just saw it on my credit! You did not give me a 30 day right to dispute notice so that I could let you know that this was paid already.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, I received a notice of collection from XXXX XXXX XXXX XXXX / LVNV FUNDING on the date of XX/XX/2019. Im informing to all parties involved this account was a result of identify theft. This account has already been reviewed and removed by the original creditor XXXX XXXX XXXX. The account also has been removed by LVNV funding. LVNV FUNDING is in direct violation of the FCRA for attempting and also passing off a debt to another company and they are fully awhere this account is a result of fraud. If LVNV FUNDING attempts to contact me again in any form email, phone, mail. I will pursue all legal options against them and all parties involved. I also will be reporting this violation to the CFPB again. Thank you have a nice day.
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Attempting to collect a Credit Card debt for 12 XXXX XXXX XXXX XXXX XXXX Never had a card from this bank. Disputed it and never received anything back to valid date account was from 12 XXXX XXXX XXXX XXXX XXXX being reported on Credit Bureaus since 2018 and marked as disputed. Again never received anything to validate. This should be removed cause they are falsifying the credit report and is in violation of the FCRA. LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XX/XX/2018 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 12 XXXX XXXX XXXX XXXX XXXX CONTACT INFO LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding LLC # XXXX has been seeking payment on a debt not owed. They are a debt collector. It is on all my three bureaus and want it removed asap. The debt was discharged. The amount is {$2800.00}
Company Response:
State: MI
Zip: 48162
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A