Date Received: 2019-01-30
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: So I am being sued in Texas by LVNV Funding LLC which is in Nevada. They bullied me and never contacted me about this debt and all of a sudden I get a summons. They have cost me mental pain and anguish.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: My account was charged off due to a financial hardship from health reasons. I am writing to get the account back open with XXXX XXXX so I can pay the monthly payments of XXXX a month until the card is paid in full. I have received the notice stating that my loan application has been denied due to bad credit history. Would it be possible for you to check again and reconsider and reopen my XXXX XXXX credit card so I can start back making payments. Thank you very much for your help.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, LVNV Funding LLC is attempting to collect a balance of {$850.00}, a chargeoff from XXXX XXXX. LVNV is reporting as the original creditor and showing a credit term of 1 months. This is blatantly false information. When I dispute with the bureaus they just say " disputing '' or " verified as accurate '' and never provide proof. They can not verify this as accurate as they practice shady collection tactics and it is well known.If LVNV wants to play original creditor I require them to provide proof of an agreement with their company to the terms. LVNV claims not to be a collection company at all, but a subsidary acting on behalf of Resurgent Capital. Further, I have never received a dunning letter from LVNV funding which is required. If they dispute this fact I would urge they be required to provide proof. LVNV has reported incorrect and damaging information concerning the alleged debt to credit reporting agencies in violation of the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been placed on collections by : LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX-XXXX.. I requested documentation proving this account beloved to me, and have not heard from them to this date. The company is showing in my credit report and is unable to provide written documentation i have requested to me.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The collector SHOULD NOT be contacting me, as the original creditor has previously been notified about a household member currently going through a medical hardship. I have also advised the collection agency to revert the account back to original creditor, as original creditor is SUPPOSED to have notes on file in regards ongoing medical hardship.
Company Response:
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I made this personal loan with XXXX in GA, back in XXXX, this was sold to a collection company named CACH , LLC. The last time I made payments to this account was in XXXX, then I lost my job and tried to pay it off i. XXXX, but the company didn't want to settle for what i had then which was {$5000.00}, later on in XXXX i offered them {$6000.00} and yet again they didn't accept it. They now are reporting this account with a balance of over {$8000.00} and with an open date as of XX/XX/XXXX! I was unemployed from XXXX until the XXXX when I moved out from GA. They're violating the fair credit reporting act, as well as they're ruining my credit to say the least. I have never received an official letter from them with a validation of this debt or any other document with my signature on it, is not fair they can manipulate the system the way they do it to get away with their unfair practices to ruin people 's lives and just for what? To make a few bucks! I demand for them to stop reporting this account, and to fix my credit, to close it and erase it from my history.
Company Response:
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice LVNF Funding LLC was garnishing my wages on XX/XX/2018 I sent a letter requesting to know what the garnishment was in regards to and what specifically it was they are claiming I owe for. I looked up what to do online to find a template for a letter requesting that information without including anymore personal information. On XX/XX/2018 I received a response only restating their original information. I have not heard from them since. I have no idea what the claim is a result of i.e. merchandise, services or other. I hope this is the correct place to submit my complaint.
Company Response:
State: WI
Zip: 54401
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The company listed below states that they are a creditor and that I owe them {$3500.00} for one account and {$2900.00} for a second account and this is reported on all three credit reports. I submitted a dispute with XXXX regarding this matter and the company in question has not returned an answer for my dispute. I never received any written documentation or have been notified by any means regarding this debt that the company claim I owe. I do not have knowledge of this debt and the company has yet to prove that I owe it and have reported this collection debt to all the credit bureaus and state that I owe {$6400.00} in collections on my reports. This is false and they can not prove it and have not yet answered my dispute. This is illegal and do not meet FCRA requirements. The company states the account was opened in XX/XX/2018. LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2019-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV FUNDING LLC ACCOUNT NUMBER XXXX is wrongfully appearing on my XXXX credit file.The collector is attempting to collect a debt for XXXX , XXXX, THE ORIGINAL CREDITOR. HOWEVER 1-I NEVER ORDERED A XXXX CARD 2-I NEVER ORDERED ANY XXXX MERCHANDISE 3-ALL OF THE MONEY LVNV FUNDING WANTS is for return, restocking fees, the interest associated with that and any fees the collector added. 4-SO THE ORIGINAL CREDITOR AND THEIR COLLECTOR ARE SCAMMING AND EXTORTING USING CREDIT REPORTING TO DO THAT.
Company Response:
State: CA
Zip: 92234
Submitted Via: Web
Date Sent: 2019-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello there I discovered that a debt collection company, LVNV Funding LLC, had purchased an old debt from XXXX of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to Resurgent Capital Services in XX/XX/XXXX because LVNV Funding LLC had closed their business. The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1. I had been dealing with XXXX and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by XXXX multiple times that it's been paid in full and closed. When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to XXXX, XXXX finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when XXXX sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all XXXX related accounts were closed since XXXX to XXXX. No new XXXX account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!! I demand that your company and XXXX to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email. I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against Resurgent and XXXX. A complaint was also filed with XXXX XXXX XXXX XXXX on XX/XX/XXXX, against Resurgent and XXXX. I will proceed with lawsuit if Resurgent Capital Services and XXXX fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.
Company Response:
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A