Date Received: 2017-12-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This company is not licensed in Florida and this should not be on my credit report
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
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: I have repeatedly disputed an account from XXXX, XXXX that is listed on my credit reports in an attempt to validate this purported debt. According to my XXXX Credit Report, dated today, XX/XX/XXXX, XXXX XXXX is reporting that I have an account with their company (XXXXXXXX) with a balance of XXXX and a delinquency date of XX/XX/XXXX (see attachment). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on my credit reports. According to XXXX, XXXX, XXXX is a collection agency and should be able to provide documentation for this account, including, but not limited to;• The Original Signed Account Agreement and Terms and Conditions. • The Assignment and Bill of Sale for this account. • The Explanation of Accounting for the account balance of XXXX. In addition, if XXXX XXXX is indeed a collection agency, they appear to be misreporting the following information on my credit reports:• XXXX XXXX is listed as a financial services company.• The Loan Type identified as a Factoring Company Account.• Original Creditor is not listed.• No Charge Off Amount is listed.• No Date Closed is listed. This type of reporting is not aligned with Metro 2 Reporting Guidelines or XXXX XXXX XXXX XXXX instructions, and a potential violation of the Federal Credit Reporting Act.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I was repeatedly lied to about settling with this debt collector by its collection dept at XXXX XXXX XXXX XXXX XXXX debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that XXXX XXXX XXXX would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that XXXX XXXX XXXX was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court. This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my XXXX account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my XXXX XXXX card name was not updated to my maiden name ( recently XXXX ) Name on card that was submitted to XXXXXXXX XXXX XXXXXXXX was XXXX XXXX
Company Response:
State: IN
Zip: 46383
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have never had any loan from this company. I would like the paperwork sent to my home to have a better understanding of what this is about. I dont appreciate this company putting this on my records when i have never received one call or letter in the mail from this company. XXXX
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent XXXX XXXX XXXX. multiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amount. The only thing XXXX XXXX has sent me in the past twelve months is an itemized document without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have never done business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money. XXXX XXXX has not complied with FCRA 623 ( a ) ( 3 ), or section 603 ( p ), and has not complied with the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.
Company Response:
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2017-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I ran a credit report in XXXX and this debt did not appear ... .9 months later in XXXX ran another credit report and this debt from XXXX XXXX have appeared. This claims to be a debt from XXXX for XXXX. I have been a XXXX XXXX customer since XXXX. I did not receive notice nor any information validating the debt. I have had no contract with XXXX. This is not my debt and I want it removed from my credit report.
Company Response:
State: MD
Zip: 21703
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: For the last 5 years XXXX XXXX XXXX has harassed me about a debt to XXXX XXXX cedit card company. I have made payments through XXXX and the when they were not making the payment on time I took it from them and stated paying XXXX. They then sold the account to XXXX. I was locked out of XXXX website in order to make anymore payments. There is no record of the payments I have made to anyone. They are demanding I pay XXXX. They have sent this to an attorney in XXXX XXXX, Mo XXXX and XXXX. They to say they have no records of any payments made. The amount they are asking for is mostly late fees and interest. I have no way to retrieve my payment info. They have threatened me and harassed me for months with phones calls and letters. They refuse to send me documentation of payments I have paid. The lawyers refuse to send me proof of my payments either.
Company Response:
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX, XXXX has purchased a XXXX XXXX debt, which was listed as closed and charged off on all three credit reports. However, as per the FCRA regulations, LVNV failed to notify me in writing of placing this collection back on all three credit report.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: 2008, {$5800.00} filed an illegal lien on house
Company Response:
State: KY
Zip: 40047
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Affidavit of Denial XXXX XXXX XXXX XXXX OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2017-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A