Date Received: 2019-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was disputed and I was confirmation that the account would be removed from my account. However I checked my report and it's still reporting. Please remove this item from my credit report.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with LVNV. I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. I want this tradeline removed from all 3 of my credit reports along with a letter stating LVNV promises not to sell this account to anyone or try to collect on this invalidated account again. LVNV buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. Not only that, this debt has been re-aged and has been time-barred and has continuously been reported. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that LVNV needs to be thoroughly investigated for their illegal practices. If LVNV decides to sell this account or transfer it to another one of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit. I have never received anything from LVNV via mail or from their other companies who call ( Resurgent Capital Services ) etc. This is yet another violation of the FDCPA. Please remove this account from my credit reports and agree not to sell it.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: There was a dispute that was made to LVNV FUNDING LLC in the bringing of XX/XX/2019. The dispute came back as verified, however, I never received any documentation ( the original application with my signature and the date open ), proving that it is my debt. Since the dispute, the collection has gone from derogatory to being charged off on XX/XX/19, in the amount of {$1300.00}.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding is a debt collection reporting on my credit. I disputed this information because the debt does not belong to me. Company has failed to validate debt. I attempted to call the company multiple times at the number XXXX and they are asking for personal information saying I won a gift.It appears to be a scam and they are reporting on my credit reports. They original creditor was contacted two years ago and informed that this account was opened fraudulently and was a result of identity theft. They closed the account and had me sign an affidavit attesting to that. Now this a collection has been showing on my credit reports in which I have disputed several times and well as sent debt validation letters to the company and credit bureaus with no response. They identity theft is noted on all of my credit bureau accounts.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've received numerous letters from this debt collection service, with conflicting messages. Based on a phone conversation I had with them and instructions they sent in their follow-up, they requested : 1. I send a formal note disputing the debt. I did this. 2. Get a notarized affidavit that I was a victim of ID theft during the period the debt was incurred. I did this. 3. Provide a police report. I did this. They closed 2 of the 4 collection accounts, but for the remaining 2 responded that the documents I provided were either not complete or not legible. What kind of XXXX XXXX is this? How was it complete and legible to resolve 2 accounts, but not for the remaining 2. Here are the accounts in question : XXXX XXXX : Account : XXXX XXXX Ref No : XXXX XXXX XXXX XXXX XXXX : Account : XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX Ref No : XXXX XXXX XXXX I'm still receiving mail from this organization to pay for the debt that I've already disputed and provided more than sufficient proof that it is not mine. They even have my name misspelled in all of the communication, because the account was fraudulently created. I've emailed them numerous times and called them numerous times and I keep getting the same inconsistent response. I'm requesting CFPB to help me in fighting this predatory collection agency. Please let me know what other info I can provide to aid in your investigation. Thank you
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Since XX/XX/2018 I have been harassed by Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX to the point of traumatization regarding a debt they have listed on my credit report. After I filed a formal inquiry into XXXX XXXX XXXX deceptive practices and predatory lending, they sent me a nasty letter from their corporate office acknowledging the cease and desist order I provided them. My letter to them included further direction to forward my cease and desist prohibiting further harassment or contact by phone and email to any collection agencies/debt buyers should XXXX XXXX XXXX elect to sell the debt to avoid further investigation. Shortly after I received their written acknowledgment, they tacked on $ 100s of dollars in erroneous penalty fees and sold the debt to Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. As recently as today, I have been continuously bombarded with hundreds of phone calls, a litany of voicemails and constant threats of being sued in court, jailed and lifetime negative reporting to the credit agencies for the debt by XXXX XXXX XXXX/Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. When I called to get general information about their company, even without providing their collection agents with ANY personal information, they have been demeaning, sarcastic and truly make me fear for my life. When I call in to get general information their aggressive ill mannered collection agents make me question the ability to work through a successful bankruptcy. I have called their general service line just to get information about their company and I did not provide any specific account information, they start off pleasant and then become argumentative and keep telling me that they have already started the legal process to sue me and that it doesnt matter if I told the original creditor about my intent to file for bankruptcy. They yell at me in a caustic manner and demand that I pay them the balance or figure out my finances to resolve the debt including asking other people for money, taking out loans to pay the debt with them or telling me that they can keep the lawsuit at bay by making a payment over the phone with them. I never provided any of the phone representatives any information about my account or personal information like my SSN. Just general collection representatives that verbally assault me like Im a criminal. For nearly 9 months every single day I am sent emails from a host of collection agents operating under Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. Some of the agents include XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and almost 60 additional collection agents with different email addresses and spoofed phone numbers repeatedly calling me all day long. These agents - who I am NEVER replied to, NEVER spoken to, and NEVER provided consent to contact me using my shared employment email or employment phone number send me emails telling me that they spoke to me and want me to make the payment with them that they lie and say that I agreed to over the phone ( having NEVER spoken me ). In recent months they have increased their level of threats and have begun to falsify contact records to bolster the lawsuit that they have been threatening me with. The collection agents have been sending me emails for a few months or so now telling me that I called them or that I spoke to them on the phone and they want to go over the payment plans we discussed. I HAVE NEVER SPOKEN TO ANY OF THEIR COLLECTION AGENTS regarding any kind of payment plans or any details about my specific social security number or debt with them. I have included just ONE of hundreds of emails they flood my work inbox with, disclosing the debt to my coworkers. I am humiliated by their actions and outright lies saying that I have called them or that they called and spoke to me and talked about me providing my payment information to settle with their office. I have all of the phone records for their calls to me including all of the rapid back to back phone calls and disconnects on me, the harassing voicemails, the harassing emails from Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX and their agents and along with having to include them in my bankruptcy filing, I am working with a legal advocate attorney to determine what other options are available to me and the other customers who are experiencing the lies, threats, falsification of records and credit reporting from Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. I have never provided my work email address to this collection company, I have never provided my work cell phone to this collection company and I have never provided consent for this collection company to contact me using my shared inbox work email address where others have access to my emails. The company continues to send me daily emails listing my personal information, amount of money owed, as well as partial account numbers that others can use to identify me and obtain copies of my credit report or impersonate me using information obtained from the emails sent. The original creditor XXXX XXXX XXXX was provided with a written notice prohibiting any contact using phone or email and requiring contact via postal mail service only. The notice provided to XXXX XXXX XXXX expressly explained that I did not consent to contact by them or their collection agents via any other methods. XXXX XXXX XXXX acknowledged the notice with their reply to me in written and still continued their daily harassment until selling the account and now I have petrified of the tactics being used by Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. I am called all hours of the early morning, throughout the day and well into the late night by their aggressive collection agents. They use call spoofing technology to display different phone numbers when they call but the numbers trace back to their harassment under any online search. They have called, hung up in my face, and called back to back, and back to back again. I finally had to ask my employer to change my phone number because of the harassing calls. Once my number changed, the number of emails I was getting went from 1 email from one agent daily to up to 5 emails+ in one day from several collection agents. Each branch/department of each of these collection agencies operates with reckless abandon and a complete disregard for any consumer financial protection laws in place. I am requesting a full investigation into each entity Resurgent Capital Services, LVNV Funding LLC, XXXX, and XXXX XXXX XXXX XXXX including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue this kind of abuse.
Company Response:
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My step mom by the name of XXXX XXXX used my personal information to get things in her name!
Company Response:
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : LVNV Funding LLC Two Different Amounts On My Credit Profile {$1200.00} - {$1200.00} " Inaccurate " Date Disputed : XX/XX/2018 Disputed Charges And Information As Well As Requesting Validation Of Debt " VOD " Requesting The Method Of Verification And Steps That Were Taking " Unverified " Resolution : XX/XX/2018 Per XXXX : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )
Company Response:
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Good afternoon, I am filing a complaint against the LVNV Funding for placing a Bank Account Levy on my husband 's account. This took place on Wednesday, XX/XX/2019. XXXX XXXX stated they had a court order, which I never received any paper work stating I was being sued. I just received in the mail on Saturday, XX/XX/2019 a letter regarding to contact Mr. XXXX XXXX-XXXX to make payment arrangements. This letter was received after Levy was already put on my husband 's account. My husband had {$1200.00} in his account, which is frozen at the moment. This was done on Wednesday, XX/XX/2019. The Levy was on me for a credit card I had before our marriage. My name is on the account for emergency purposes and due to I pay the bills using my husbands account. I do not have any funds going into that account. I send my husband {$1000.00} a month for my part of the rent. Other then that, there's no other monies of mine going into this account. I have stated this to them several times. I have submitted all documents they requested proving that the funds in this account belong to my husband. They have requested 3 months of bank statements and I sent 4, then they requested copies of his pay stubs, which I sent them 5. After sending every request to them I had to wait 3 hours to contact them, and when I did it was never sufficient. This third party LVNV is requesting information we can not give them. They are requesting for a bank statement showing when the Levy took place, which does not show on my husbands statement. We went to the bank and requested a copy, but they denied us a copy. XXXX XXXX stated we needed to wait for the copy they mailed to us. We told XXXX XXXX this was needed immediately and could not wait for the copy that was mailed. We were continuously denied information on my husband 's account. The Credit Card I supposedly was sued for was XXXX XXXX, which was bought by LVNV Funding/Attorney XXXX ( a third party ). I have attached the letter which I mentioned above, which was the only letter I received regarding this matter. Also, as I mentioned above, this letter was received after the fact of freezing my husband 's account. The docket number is : XXXX XXXX Respectfully Yours, Mrs. XXXX XXXX
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have repeatedly for over a month asked for validation and verification about an item on my credit report. I have sent items via email, fax and online disputes and information over mail. I still have not received any type of confirmation. I want this item to be removed from credit report. I do not have a written signature to pay any amount of money to LVNV Funding. i did not physically sign anything stating i have to pay them any amount. A credit card bill from ANOTHER company is not sufficient evidence of verification or validation for a 3rd party company.
Company Response:
State: IL
Zip: 60164
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A