Date Received: 2019-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name LVNV Funding .... I never had an account with LVNV, I don't owe this debt. The lawsuit says I owed a company called XXXX, I never had an account with XXXX either. Maybe this is for someone else, and they got me mixed up. I don't owe this debt. I want this lawsuit dropped and my name cleared.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: first of all LVNV FUNDING LLC CURRENT CREDITOR. ORIGINAL CREDITOR XXXX XXXX XXXX XXXX I WAS SENT SEVERAL LETTERS FROM XXXX XXXX. THIS DEBT HAS NOT BEEN PROPERLY VALIDATED AS I SENT SEVERAL CERTIFIED MAIL AND A RETURN RECEIPT FOR THE DEBT TO BE VALIDATED. THIS COLLECTION AGENCY CONTINUES TO SEND ME A DEBT LETTER ON A REGULAR BASIS. I DISPUTED THE DEBT AND ASKED FOR A VALIDATION OF THE DEBT. LVNV FUNDING HAVE REPORTED THIS DEBT TO XXXX AND THE OTHER CREDIT BUREAUS. THE LETTER ARE REPORTING THE WRONG ORIGINAL DATE. I UPLOADED SEVERAL PROFF OF CERTIFIED MAIL AND RETURN RECEIPTS AND MORE.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is an account showing on my XXXX from LVNV Funding that I don't believe is mine. I would like this company to send me a copy of the agreement or contract I supposedly signed. I believe this was something an old roommate may have signed for.
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Lvnv Funding Llc is claiming that I owe {$430.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Lvnv is what they say is the original creditor. They wouldn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill, how am I going to pay the balance.
Company Response:
State: AZ
Zip: 85741
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by XXXX, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXX-Principal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to XXXX is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX XXXX ( two separate pieces of correspondence ), XXXX ; and Resurgent Capital Services d/b/a or on behalf of LVNV Funding LLC, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.
Company Response:
State: VA
Zip: 22033
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX did not remove this unvalidated information. XXXX XXXX did not send me all the information I requested below. I demand this negative information to be removed immediately. Until what I asked for is provided! Do not ignore or dismiss my case as if it has been resolved! I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received non of the information I requested.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This creditor is reporting negatively on my credit report. I send a debt validation letter and i received a print out on XX/XX/XXXX. The letter is not any verification of debt with this company, i sent a second letter on XX/XX/XXXX and i have never received any response back even though my letters were send certified mail. This Debt is for XXXX originally from XX/XX/XXXX.
Company Response:
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
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: XXXX XXXX, XXXX placed a collection account on my credit report. I request validation of this account as I thought it was not mine. After the 30 day investigation I was sent no proof of validation or any information at all from the company showing that this account belongs to me. I then tried to dispute the information once again and still it was said the FCRA requirements were met on my XXXX report but the company removed the incorrect information from XXXX report. The company has not met FCRA requirements and should remove this account information from the other two credit bureaus immediately.
Company Response:
State: LA
Zip: 70634
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing about a credit record that continues to show on my credit report. I have disputed this record to no avail. The credit record is from XXXX XXXX / RESURGENT CAPITAL account XXXX This firm is collecting on behalf of XXXX XXXX XXXX . The address for the collection firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I am not saying that I didnt enter an agreement with XXXX but rather there was deceptive, misleading and unfair practices associated with the transaction. I was young, with children in dire need of transportation. I needed to work and keep a roof over our heads and food on the table. Following is a synopsis of the events leading to this collection. To be honest I dont know if a title to the vehicle was ever put in my name. If you need additional or more detailed information, please let me know and it will be my pleasure to provide all the documents that I have available. Purchased XX/XX/XXXX XXXX in XX/XX/XXXX from XXXX XXXX located in XXXX, PA o Mr. XXXX was I thought a family friend. Was told the Jeep had new transmission and new motor o Could not test drive as new motor was not installed yet. Went down the street to his buddy at XXXX XXXX where finance documents were prepared. o Agreement listed vehicle and 42 inch television as collateral for the loan along with the Jeep Interest rate on vehicle loan was 23.99 % in the state of PA where law limits rate to 21 % for used auto loans. - Attached Paper tags and temporary registration provided by dealer Vehicle started giving me trouble within first few days would stall out in normal traffic Returned to dealership for repairs and to get registration / tags again provided with temporary tags. Vehicle continued to perform subpar. Finally contacted the states department of motor vehicles about the temporary tags requesting they provide permeant tags and was informed that the dealership was under investigation. Dealership was closed by the state of PA for tag violations Criminal charges were filed by the state and Mr. XXXX pled guilty. Still having problems with the Jeep could not get resolve from Mr. XXXX Brought the vehicle back to the closed dealership and contacted XXXX where the car was located. When debt was sold to Resurgent I tried to set up a payment plan ; sent them a payment in XX/XX/2015. Check was cashed and no communications from the collection firm was ever received. o Try to dispute with the credit bureaus and receive notice that information is correct o When I contact the collection firm for documentation I have never received a reply from them. o To the best of my knowledge I never placed a do not contact with the firm. The listing on my credit report is an arduous reminder of a very difficult period in my life. I believe that I was the victim of deceptive practices and possibly usury on this transaction. I am requesting the CFPB review the documentation with the collection firm and with XXXX which is currently owned by XXXX XXXX
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This complaint is in regards to XXXX ( Resurgent ), along with XXXX ( XXXX XXXX XXXX ). Upon researching, The alleged current owner of the account is XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX, dba Resurgent Capital Services. With this being said, in the complaint # XXXX, there is NO MENTION of an open account, which is in the body of my complaint. My direct statement, made to a government official, on XX/XX/2018, via the XXXX portal is. '' Also refer to case # XXXX. I never received communications from said debt collector in regards to this account. According to my credit reporting files, Debt collector began reporting said account in XX/XX/2018, I was alerted by my credit report this is reporting as a debt collection as on XX/XX/2018. I was never notified by this company, therefore, this debt collection is invalid, and must be immediately removed, and reverted back to the source of original alleged debt. Also, according to my records, I have not received a phone call in regards to this matter as well. Thank you. '' My complaint in XXXX was in regards to credit reporting as a collection within several of my credit reporting files. That has nothing to do with an " OPEN ACCOUNT ''. The explanation given to the CFB is a blatant violation of credit reporting laws, as my complaint was misconstrued to where it appears as a legitimate answer to my complaint.
Company Response:
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A