Date Received: 2019-02-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Through a credit monitoring service, I noticed collection accounts on my credit reports from Resurgent/LVNV Funding. I began disputing this information with the three major Credit Bureaus in XX/XX/XXXX. I asked for validation, but instead received updated copies of credit reports that simply cited verified. I even received letters that reported this information would not be investigated again. While I awaited the results of my continued disputes with the three major Credit Bureaus in XX/XX/XXXX, I received letters from the Debt Collector, that did not contain the Validation I requested from the Credit Bureaus. In early XX/XX/XXXX, I mailed out another round of requests for validation, this time to the Collection Agency. These requests were sent certified, so I am positive that they were received. To this date, Resurgent Capital Services/ LVNV Funding LLC has failed to provide me with the validation for this debt but has refused to remove these items from my Consumer Credit Report.
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Through a credit monitoring service, I noticed collection accounts on my credit reports from Resurgent/LVNV Funding. I began disputing this information with the three major Credit Bureaus in XX/XX/XXXX. I asked for validation, but instead received updated copies of credit reports that simply cited verified. I even received letters that reported this information would not be investigated again. While I awaited the results of my continued disputes with the three major Credit Bureaus in XX/XX/XXXX, I received letters from the Debt Collector, that did not contain the Validation I requested from the Credit Bureaus. In early XX/XX/XXXX, I mailed out another round of requests for validation, this time to the Collection Agency. These requests were sent certified, so I am positive that they were received. To this date, Resurgent Capital Services/ LVNV Funding LLC has failed to provide me with the validation for this debt but has refused to remove these items from my Consumer Credit Report
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid off the collection LVNV FUNDING, LLC of {$50.00}, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
Company Response:
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent a response letter to collection company LVNV when 1st started collecting and advised rep over the phone that what ever this credit or loan is was not opened by myself or authorized by me. I thought then it was handled and then my son gave me some papers a guy dropped of at our house 3months previous he had forgotten to give me and placed on top of entertainment center. I sent in copy of letter to courts that I sent to creditor months previous. I called company again and they gave no attempt to assist me and was advising me it was proved to be mine and my debt. That is 100 % incorrect. Then next communication I recieved was by my employer advising me of garnishment papers so again i appeared in court but they did not, I was again trying to attempt to get this incorrect collection out of my name and attempt to get the debt placed on the correct person that opened it. I advised both collection and attorney 's office that this must be a case of identity theft or an error by creditor because I was in the process of forclosure and sale of my home and spent about 2 out of the past XXXX unemployed with XXXX income and wouldn't have even attempted to apply for any loan or credit knowing I was without income and my credit history the past 3 yrs. I am not sure how this creditor could have possibly approved anything under my social due to scoring and past due student loans. I have no other tradlines or credit or payments once again due to the lack of income and credit trouble. This is not my account or debt or credit witch ever it may be. I am not even aware nor have I ever heard of the Creditor and I don't even know the kind of account they are trying to garnish for or when the account was opened or what the amount owed is because It is NOT my account.
Company Response:
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive sent out 8 letters to LVNV Funding LLC, they never varified that I had debt and a signed contract. Ive only received one letter back and they sent me a statement from the original creditor. Thats not showing I owe them debt. In accordance to the law they can not do that and without proof I owe them and have an open contract with them they have to delete.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was summond to court for a debt that was paid off years ago the company had gone bankrupt. The collection agency has filed a lawsuit against me to garnish my wages. I think it is unfair to be charged again for something that was paid off.
Company Response:
State: MA
Zip: 01085
Submitted Via: Web
Date Sent: 2019-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had an account with XXXX XXXX XXXX in 2016 during which time i lost my job, i was behind on the payment, so XXXX XXXX offered me a payoff for a settled amount ... .which i then agreed upon and paid. The account with XXXX XXXX actually shows resolved on my credit report. Now i am getting debt collection ( LNVN ) showing on my credit report and i dont know how they just doubled the debt amount - the credit card limit was {$300.00} to begin with this collection company is trying to charge me over $ 700- on a account that i was under the impression was already paid off with credit card company- XXXX XXXX - i have no paperwork from the phone call with the XXXX XXXX because everything was over the phone - i am not sure how to proceed, and i called the collection agency, LNVN and they said they would need to have proof of agreement with XXXX XXXX, to be honest at that time i was lucky to be able to afford the settlement amount and was grateful to have had enough to pay it off- now this coming back up and show another negative on my credit report and having no real knowledge of how to legally persue this without having yo spend money i do not have available to get an attorney. How can these companies do this legally- where is the rights of the average consumer? I am not in a position to pay over {$700.00} dollars to collections i dont even owe- i have children to raise and some months we are lucky to afford groceries after paying bills, i hope there is something i can do to have this resolved.
Company Response:
State: IA
Zip: 51106
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is LVNV Funding LLC. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. I received notification from pressure tactics ranging from letters from other debt collectors working for LVNV under the name XXXX XXXX XXXX XXXX. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: REFERENCE # XXXX I was a victim of identity theft six-seven years ago the accounting question with XXXX was discovered to be fraudulent never used by me did not belong to me yes the information was similar that's why it's called identity theft XXXX recognize this they closed the account it was never reported to any of the major credit bureaus once it was discovered what it happened police reports were filed multiple letters were sent back and forth and everything was eventually resolved until about a month ago when I received the first letter from this company stating I owed them a debt I immediately sent a letter explaining what I just explained I told them unless they had some proof which I knew they wouldn't to stop all further Communications with me that I had no intentions on paying them any money they sent me another letter helping this was their proof it's just some printing information there's absolutely nothing here that we didn't already know it shows XXXX shows an account number show the balance well yes nobody 's disputing that the account was opened it just wasn't open by me and Everyone except for this company seems to understand that I don't feel they're taking this matter seriously but when you start reporting it to the credit bureaus and you start affecting my credit score it becomes a serious issue
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Cach LLC ( Docket # XXXX ) was released in bankruptcy discharge XX/XX/2013. However, they are still reporting a judgement on my credit reports.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A