Date Received: 2019-05-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This debt is for a credit card from XXXX XXXX XXXX. I sent a letter to the bank in XXXX explaining I could not pay the bill due to fees every month, balance increasing due to fees I could not catch up. I hoped they would work with me. All my paper work is gone from that year. XXXX & XXXX I received a letter from LVNV Funding LLC. I wrote them explaining I did not have a job and could not pay. I never heard from LVNV again until XX/XX/XXXX. LVNV Funding stated they were suing me, {$2200.00}. They won by default. Since it was so old I have no paperwork to defend myself. XX/XX/XXXX it appeared on my credit report noting account opened in XXXX. That year is wrong. Like I said this account is from XXXX. This account is so old I have no way of retrieving information from the bank due to the bank being sold to another. LVNV Funding is being very deceptive. They should not be allowed to hold on to a collection for 9 years send a letter demanding money and then put it on my credit report with a notation, account opened in XXXX. LVNV continue to contact me requesting money. Now they have my email. XX/XX/XXXX I received an email from LVNV requesting money. XX/XX/XXXX I received an email from XXXX XXXX XXXX collection working on behalf of LVNV Funding LLC. XXXX is requesting {$2200.00}. XXXX is demanding a reply within 30 days to set up a payment plan. Is this going to continue until I die? I'm XXXX and live on SS. I have no home of my own, no car of my own, no money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid my debt but the company Cach LLC refused to update the information on the credit report stating they have no record of being paid. They garnished my wages but still stated monthly that I missed payments causing my score to plummet.
Company Response:
State: LA
Zip: 71107
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Lvnv Funding Llc has violated my rights under the FDCPA and the FCRA as they have been informed the debts involving XXXX and XXXX XXXX that they have purchased are the results of fraud. XXXX and XXXX XXXX were reluctant to wait for the XXXX police department to finish their investigation. I had to gather documentation and evidence over the last 12 months of how the fraud occurred under my name. The police reports have been finalized. Lvnv Funding Llc willingly reported the debts anyways to all 3 major credit bureaus with knowing the debts were a result of identity theft and fraud. police report numbers REPORT NUMBER : XXXX REPORT NUMBER : XXXX Detective XXXX XXXX
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: lvnv founding llc. send letter to my job to take money from my pay i spoke to my job telling them i dont know about this i never receive ant letter form them they still giving them my money
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have submitted multiple written communication with the debt collection agencies LVNV Funding LLC, XXXX XXXX & Resurgent whom all are attempting to collect on the same debts. In addition I have requested a debt validation of the debt and neither of the above identified companies has provided me with the requested information. Several request to have this information deleted from my personal credit file was also request and the above mentioned named companies has failed to remove this information from the credit bureau.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX XXXX am disputing the ownership of account # XXXX that is being reported on my credit bureau accounts. This is being reported in two instances under XXXX XXXX XXXX and LVNV funding with the same account number, but different mailing addresses. I have no knowledge of either of these. Nor was I provided with documentation to prove ownership of the account. Secondly, I was never provided notification or given the chance to dispute this account before it was added to my credit reports. If these accounts are not verified with original documentation with signatures. Or proof that notice was sent to me to alert me that had 30 days to respond to the claims I would like these accounts removed from my profiles immediately. I have provided copies of the letters that I sent to the bureaus asking to remove these accounts but they have not taken action thus far.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV funding is reporting a debt I do not owe. I paid the original creditor, XXXX XXXX XXXX, and have no idea why they are adding a new collection on my credit file AFTER it was already paid, they are also in violation of my 30 day right to dispute. This debt is paid and should not be on my credit.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reported this XXXX XXXX bill and a collection company called LVNV funding for trying to collect on an account opened by ID theft. Soon as I filed my complaint with CFPB LVNV funding sold this account to this new company called XXXX XXXX XXXX , XXXX. LVNV funding was provided numerous time of the Police report case # and FTC case number for ID theft. Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, Officer XXXX, Badge ID # XXXX and FTC case # XXXX.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This date is a recertification. This did was on my credit report. I have sent this company certified letters in they have not replied back to my response. I was not notify that this company had put this back on my credit report. This is the 3rd party collection agency I have not made any agreements with them Regarding this debt. Please have them check their records. The credit bureaus removed from my credit report in they reinserted back on my credit report. I did not even receive of a 5 day notice that this was gon na be reinserted back of my credit report. I contacted the original agency and they said I didn't owe. This is the FTC that I'm contacting this is not legal I'm asking for the ftc to investigate this in have this removed from my credit report. I asked for original information regarding this debt I was not supplied with the original debt. I am requesting did this be removed from my credit report immediately or legal action will be taken. This company has violated the law in has not provided me anything of my signature.
Company Response:
State: TX
Zip: 75771
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I do not recognize this account and tried to dispute it. There is no proof that I used their services or goods.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A