Date Received: 2019-03-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In 2017 my ex husband used my Information during our separation and got a credit card and left me in debt {$570.00}. I had no knowledge that my social and name was used to start an account because I am against even using credit cards back then and he never paid the bill and all mail went to him I assume because I was never sent any information about the credit card or that I was being sent to collections.
Company Response:
State: NC
Zip: 27288
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Hello. I've been requesting validation from LVNV Funding for a debt that claim I owe. No validation information has been received. They have begun contacting me, where there had been no communication before, via calls and letters to collect the debt. I continue to dispute the matter. Today, XX/XX/2019 @ XXXX. I received a call from them, robo call, stating they would have " me arrested, freeze my bank accounts and suspend my social security # '' if the matter is not handled. I have the voicemail saved. Not only have they not furnished information to me on this account, that I do not owe, but they are threatening me.
Company Response:
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-17
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX MI XXXX is trying to collect a {$400.00} XXXX phone bill from XXXX 2009. Ref ID XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2019-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: XXXX XXXX XXXX should be violated in New York just like XXXX XXXX was there high interest rate and demanding money I didn't understand they don't have the right social security number on file I want that off
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX is also a financial institution and has furnished information to all the major credit reporting agencies, including XXXX, which have in part adversely affected this consumers ability to apply for credit successfully, WITHOUT NOTIFYING THIS CONSUMER.
Company Response:
State: ID
Zip: 83605
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV Funding, LLC aka Resurgent Capital Services and through their collector XXXX XXXX XXXX XXXX are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.
Company Response:
State: ID
Zip: 83605
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THIS ACCOUNT IS A RESULT OF SOMEONE USING MY NAME AND ID TO OPEN AN ACCOUNT. I NEVER HAD AN ACCOUNT WITH LVNV FUNDING LLC # XXXX OR XXXX XXXX XXXX . I HAVE FILED A AFFIDAVIT REPORT WITH FTC AND XXXX POLICE DEPT.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been receiving phone calls and letters since XXXX of XXXX from Resurgent Capital Services. They are claiming I owed money back from XXXX to XXXX XXXX in the amount of {$1300.00}. In there letters and even over the phone they have told me that the statute of limitations has ran out and they can not sue me. However I am still obligated to pay them. I told them the debt wasn't mine. I have nothing on my credit report stating so. I have no record of this debt. I wrote them a formal letter asking for proof and also I wanted to get a copy of their license to collect debt in the state of Illinois. I received no proof of debt of that a letter head of their company logo saying I owed money. I was expecting some original documents from XXXX XXXX showing what I signed and agreed on. I also didn't receive any proof of them being licensed in IL. They are saying if I don't respond withing 30 days I will be held accountable for the debt and they will be able to legally pursue by re activating the time limit. I sent the another letter saying I didn't receive any valid proof that the debt was mine. I also stated I didn't receive any proof of them being licensed in IL. I would like the phone calls and letters to stop. I believe I have proven I have not obligation to pay what they are claiming. Please help XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested a substantiation of account of account which they are required to provide within 30 days but they failed to meet the request. This summons was never served therefore, the judgement is defective. They are also trying to collect wages from a firm that I am not employed with rather a independent contractor and recieve no wages. When I called the XXXX to explain, he tried to bully me in and pay anyway eventhough the wage garnishment has no jurisdiction if I am not an employee.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i opened a credit card with XXXX XXXX Bank about 2 yrs ago and when I tried to use the card, XXXX XXXX told me that the card that I had was cancelled and they sent a credit card to another address. They sent it to a person that is fradulent and has been using my information about about 2 years. I believe they live in the XXXX XXXX. I have sent the collections company the police report.
Company Response:
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A