Date Received: 2018-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX XXXX XXXX is currently garnishing my wages over a credit card that was paid off in full in XX/XX/XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/XXXX.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I obtained my credit report and realized that a collection agency was reporting a debt I had no knowledge of. I attempted t dispute the debt with credit bureaus however the debt was verified as belonging to me. I decided to exercise my rights according to FCRA and request validation of the debt with the collection agency via certified mail. The collection agency Resurgent Capital responded to my debt however they reported inaccurate information. Please see attach documents and notice that not only does their amount that they are attempting to collect doesn't match the statement they provided as " debt validation '' but it also doesn't match the debt or creditor that is being reported to credit bureaus. Also, the validation of the debt they provided has also expired due to the Statue of Limitation! I disputed this account with all bureaus and they all verified that XXXX/Resurgent verified this account as being accurate therefore for them to provide mismatched and inaccurate information supports their knowledge of reporting inaccurate and false information according to FCRA 623 ( a ) ( 2 ) ( B ) this is a major violation.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX is report wrong information on my credit reports. The information that is being reported on my credit reports is false. XXXX XXXX XXXX is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. I have also never received a " dunning letter '' for XXXX stating that they own the debt and intend to start collecting practices. They have been reporting this account monthly for over a year.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my credit report and noticed a debt with a collection agency XXXX XXXX XXXX. I disputed the debt in XX/XX/2018. I stated I have no knowledge of this account and that I have been a victim of identity theft. On XXXX XXXX the police dropped off a summons showing XXXX XXXX XXXX purchased this debt from XXXX XXXX XXXX who purchased from XXXX XXXX who purchased from XXXX XXXX XXXX who purchased from XXXX XXXX XXXX.
Company Response:
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid the debt owed and I was told the account will be removed from my credit credit report.
Company Response:
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wrote to XXXX XXXX to ask them to validate their claim that I owe them for this bill. They are not the original creditor and failed to provide a bill of sale and the original contract is with the original creditor. They failed to provide me with a bill of sale. XXXX XXXX is reporting on my credit file with all 3 credit bureaus that I opened an account on : XX/XX/XXXX, This is false. The original creditor is already reporting this debt. Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Account information disputed by consumer, meets FCRA requirements
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I recently discovered this company XXXX XXXX on my credit report. XXXX XXXX appears to be a debt buyer that likely purchased this account for pennies. I have never had any communication with this company. I have never had any business dealings with this company. I have no knowledge or validation of this account, nor have I been provided with any information of this account. The account either does not belong to me or is VERY old and has been sold and resold, as I stated this company has listed themselves on my report as a debt buyer and as if they are my creditor. The company also switches names and goes by another name of Resurgent Cap who is also not a creditor of mine or anyone that I have done any type of business with whatsoever. I want this removed from all 3 credit bureaus immediately.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've contacted this company regarding this account as my current report reflects that I've disputed and requested to be permanently removed as this account is not mines and placed on my credit report with this unknown company that I signed no obligations with.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Im extremely disappointed with XXXX XXXX XXXX, Resurgent Capital Service and the CFPB why Im going to explain I have a debt collector ( XXXX XXXX XXXX / Resurgent Capital Service ) attempting to collect on a debt that I have no knowledge of it. I send the three credit bureaus a full validation of debt, they failed to respond. Also XXXX XXXX XXXX / Resurgent Capital Service failed to send a full validation of debt and it pass more than 30 days and they still attempting to collect because they still have it on my report without a full validation of debt and thats a violation of the law. And the CFPB for not making XXXX XXXX XXXX / Resurgent Capital Service follow FCRA and the FDCPA laws. I requested a full validation of debt that consist of multiple things that I would like all of them listed below and failed to do so It were considered account invalid 1. Full accounting 2. A copy of assignment of purchase from the original creditor 3. Every charge and what was purchase ; every fee, payment and every credit. 4. How do you calculate what you claim what I owed 5. Case Law XXXX vs XXXX XXXX XXXX XXXX 6. A full chain of assignment from charge-off to Present 7. Proof that you Owen the debt with full clear Title 8. Proof that you were on the original contract 9. Case Law XXXX vsXXXX XXXX XXXX 10. Copy of the original contract with bearing my signature 11. Agreement with the creditor that authorizes you to collect on this alleged debt ; 12. The agreement bearing my signature stating that I have agreed to assume the debt ; 13. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 14. Proof that the Statute of Limitations has not expired ; 15. Complete payment history on this account along with an accounting of all additional charges being assessed ; 16. Show me that you are licensed to collect in my state ; and 17. Your license numbers, Registered Agent and Date 18. Copy of all letters sent to me from you and from the original creditor. 19. How much did you buy the debt for? 20. When was the last date a payment was made on this debt?
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Today, XX/XX/2018 I, XXXX XXXX, opened a letter from Resurgent Capital Services. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to Resurgent Capital Service for that reference ID. I made a payment to XXXX XXXX, XXXX in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXX XXXX. At no time did I indicate that the payment be for the XXXX XXXX XXXX XXXX I believe Resurgent Capital Services is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on Resurgent Capital Service. I did send the company an email requesting more information, but I believe this is an attempt to gain leverage by misapplying the payment an old account.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2018-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A