Date Received: 2019-02-28
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: LVNV Funding has been harassing me about a debt im not aware of i requested validation Per the fdcpa all they could furnish was a statements of itemizations i asked for a document containing my signature they did not provide me with any signed documents i have been in and out of the hospital sense 2015 i have suffered XXXX XXXX XXXX and XXXX XXXX which has not left me unable to XXXX i am now bed written lvnv funding went ahead and took legal action before properly validating the debt which puts them in violation of the fdcpa and fcra for reporting this on my credit report.i am XXXX years old and i will not tolerate this please send me a contract or signed document of me opening an account with XXXX XXXX XXXX or lvnv funding i dont have a contract with neither of these companies.
Company Response:
State: CA
Zip: 92405
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Lvnv funding is not willing to delete this off my credit report I have offered to pay but they will not assure me that they will submit a deletion. I have tried today XX/XX/2019 to call them about this debt because I was never sent a certified letter regarding this debt. They never properly notified about this deb I am asking for a deletion off my credit report
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: At first I received a letter from LVNV funding about an alleged credit card debt with XXXX XXXX. I sent LVNV a debt validation letter and they never validated the debt. Then I get a letter from Resurgent Capital Services collecting on a debt for LVNV and also XXXX XXXX credit card. I sent Resurgent Capital Services a debt validation letter and all they sent me was an " home made '' account summary stating I owe LVNV funding and XXXX XXXX. I also sent a dispute letter to the credit bureau and they were of no assistance. How can a debt collection agency collect on behalf of another collection agency? I can't ALLEGEDLY OWE 3 COMPANIES : Resurgent Capital Services, LVNV funding and also XXXX XXXX for ONE debt!!!! I also sent the CEO of XXXX XXXX an email and have yet received a response. I want this removed from all of my credit reports. This is an illegal act!!!! No one has shown any proof that I have business contract set up with them to put this derogatory tradeline on my credit report!!!! This is ILLEGAL!!!!
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir or M.me, XXXX XXXX XXXX bought my debt from XXXX XXXXXXXX ( see attached letter ) on XX/XX/2019. Notice that it mentions XXXX XXXX XXXX XXXX to be the buyer and new owner of my debt. Nearly 4 months later the firm I hired settled with Resurgent Capital Services in a document that shows LNVN to be the owner of the debt. We settled and payments ar e being made on time regularly ever since. Next payment for over {$100.00} is scheduled for XX/XX/2019. After 3 months, on XX/XX/2019, inexplicably LVNV decides to place a negative mark on my credit report causing huge financial damages since I am in the process of refinancing and cashing out significant amount of funds. I have spoken and written multiple times with RESURGENT 's personnel and they had no answer for the questions that I had, which are the following : 1 ) The second page of the contact with Resurgent/LVNV/XXXX XXXX XXXX XXXX clearly states that a negative mark will be reported only in case of non fulfillment of the agreement. Agreement was and is being fulfilled, therefore, the negative report on my credit file was and is in violation of the contract. 2 ) The companies above mentioned have violated Federal Law FDCPA ( 15 U.S.C. 1692 to 1692p ) which states : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Unfair Practices A collection agency can't engage in any unfair or outrageous method to collect a debt. For example, it cant : add interest, fees, or charges not authorized in the original agreement or by state law -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The above mentioned companies are indirectly causing a significant addition of charges to my personal and to my financial life. My current loss of funds it is caused by a measure that violates the contract stipulated between the parties. 3 ) I was told by Resurgent representative that there was a six months time period since a debt is bought for the company to start reporting to the credit bureau. The statement was denied later by a manager. 4 ) I never received any communication from XXXX XXXX XXXX XXXX that LNVN was the owner of my debt or what type of roles they have with my debt. According to the letter XXXX XXXX sent me the owner was XXXX XXXX XXXX XXXX. I am suggesting all the above mentioned companies to change their policies in regards to credit reporting and never penalize a party when payments are being made by negative marks in the credit file. I am asking the above mentioned companies to immediately remove the negative marks in my credit file for XXXX and XXXX and cease this unfair practices.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called LVNVFUNDING directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, LVNVFUNDING will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: CACH LLC, won a default judgment against me in XXXX Circuit Court, XXXX, WI in 2016 while I was residing and working on XXXX. I couldn't afford to fly back to XXXX, WI for court so they won this judgment against me and I never had any account or agreement with this company. I know that they bought a debt from a former Credit Card Company that I couldn't make the payments after I lost my job and the credit card company wrote off the debt. They sold it to CACH LLC for whatever amount. I didn't have any type of agreement with this company and I believe they lied in court to win the judgment and now I found out they sent a letter of Wage Garnishment to my current employer where they are taking 20 % of my wages starting with my next paycheck. I can't afford to live with that much money coming out of my check for a company I never owed anything to begin with. I live paycheck to paycheck and don't want to wind up homeless over this. They are not willing to help me in any way. Please help me.
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018 to LVNV Funding LLC asking them to provide me with data to prove that this is my account. I have no knowledge of this account and have tried expressing that to LVNV Funding LLC, but they continue to call me about 15 times a day. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State License and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so, they must remove this account. LVNV Funding LLC bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You
Company Response:
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Resurgent Capital Services has again given another generic response. The are providing their statement of balance with no attached proof, documentation, nothing of original or accurate with this account they are reporting on my credit report inaccurate. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They havent provided anything that FCRA requires per Section 611 ( 5 ) ( a ) of FCRA ; Section 609 ( a ) ( l ) ( a ) & Section 611 ( a ) ( l ) ( a ) of the LAWS that protect me.
Company Response:
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2019-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is based on violations of the FCRA, the FDCPA On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by Resurgent capital claiming they purchased a debt from XXXX XXXX. I was never aware of this account and had no opportunity to dispute the debt prior to this period. ___ On XX/XX/2018, I mailed to RESURGENT CAPITAL a demand letter pursuant to XXXX Chapter 93A and a request for validation of debt. I requested all of the required materials under FLORIDA. law 940 CMR 7.08 ( 2 ) and 209 CMR 18.18 ( 3 ). These materials include ( a ) all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected, and ( b ) a complete transaction history which reflects the date and amount of payments, balances, and charges concerning the debt. My letter also included the very same form letter provided on the website of the CFPB for consumers to request validation of an alleged debt. XXXX On XX/XX/2018, resurgent CAPITAL received my letter via certified mail. ___ At no time did they validate the debt by providing the required materials under Massachusetts law, nor did they provide the answers and documents as prescribed by the form letter issued from the website of the CFPB. ___ I disputed the account thru the credit reporting agencies. My dispute included that ( a ) I had no knowledge of the account and ( b ) that resurgent capital failed to validate the debt as required by [ florida LAW ] and the Consumer Financial Protection Bureau. ___ Between the dates of XX/XX/2018 XXXX, I received the results of the investigations from the credit reporting agencies, where XXXX had falsely verified the account, despite their failure to validate the debt as required by FLORIDA law and the FDCPA. CFPB Complaint Resurgent capital failed to validate the debt as required by state and federal law can only be construed that they do not possess the required materials to support its claims that they are owed this debt, including the accuracy thereof. I do not have a signed contract nor any contract with this company. Iam not liable for the collection from this debt from XXXX XXXX XXXX or resurgent capital. Iam not responsible for debt and this debt needs to be removed from my all credit reports. I WANT THIS REMOVED FROM ALL CREDIT REPORTS. THIS COMPANY IS REPORTING FALSE INFORMATION
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A