Date Received: 2017-11-25
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 opened an account approximately XX/XX/XXXX with XXXX XXXX for a XXXX credit card. After having a plethora of difficulty making my monthly payments on line, absolutely no success with customer service and being charged a fee to make payments over the telephone, I closed the account. I was double billed for the {$100.00} annual fee and was still unable to get any assistance from customer service. My wife filed Chapter XXXX Bankruptcy on XX/XX/XXXX which included the XXXX XXXX XXXX card due to her being a co-signer on the card. On XX/XX/XXXX XXXX XXXX sold the account to XXXX XXXX, XXXX and I received a letter from XXXX XXXX XXXX on XX/XX/XXXX. After explaining to XXXX XXXX XXXX the XXXX XXXX XXXX card was included on my wife 's Chapter XXXX, I have not heard from them again, but XXXX Funding is being reported as a derogatory mark on my XXXX, XXXX and XXXX credit report. After repeatedly calling XXXX XXXX for over 4 to 5 months, I finally spoke with a supervisor, and she stated she would correct the error, to no avail. Nothing has been done from XXXX XXXX and when I call them, I am either placed on hold or disconnected.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2017-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX/RESURGENT is a collection agency account no.XXXX appearing on my XXXX, XXXX and XXXX credit bureaus.the original creditor is XXXX.The XXXX account had numerous unauthorized charges.After notice in conversation with XXXX the charges remained.Without resolution XXXX continued the fraudulent charges escalating the bill.
Company Response:
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2017-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon checking my credit report over the end of this past summer I noticed a listing saying I owed {$1500.00}. This amount was supposedly " opened '' originally with a XXXX XXXX XXXX XXXX XXXX XXXX company on XXXX XXXX, 2014. It is now in the hands of XXXX XXXX. I disputed this debt through XXXX by way of XXXX XXXX and when the dispute was finalized I got notification of it being removed from my report. But right after ... .I noticed that it was listed again as a debt owed to this company. Not only did I not incur this debt myself, but I was in horrible car accident ( that left me XXXX ) the month prior and was still hospitalized when this debt was supposedly opened/started.
Company Response:
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company is attempting to collect a debt that I do not owe them. This company is claiming that they know for a fact that I am who owes this debt. I have never lived at the address that they 're claiming that this debt was made. I have asked this company to validate this debt that I owe, but all they have sent me is statements, but this is n't properly validating this debt because anyone can get a credit card in my name if they have the proper information to do so. I have no contract with this company and neither have I ever heard of this company. I ask that this company provide me with an agreement with my signature on it stating that I agreed that this debt is mine. If this company ca n't properly validate this debt as I asked them they should REMOVE this debt from my credit reports. I feel as if I have been treated unfairly because this company is n't trying to properly validate this debt. They simply said that they have provided the documents that I asked for when I never received a copy of an agreement with my signature on it. I will also attach an identity theft report that I filed with the Federal Trade Commission.
Company Response:
State: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company is attempting to collect a debt that has been sold off and XXXX balance.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. I have asked for proof of this being my account and have not recieved anything. They have sent one reply asking for my personal information that I have provided in my initial letter. Still have not received proof.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In late XXXX, I received a certified document from XXXX XXXX XXXX, XXXX indicating that XXXX XXXX XXXX got an ordered from the XXXX XXXX XXXX, XXXX to appoint XXXX XXXX XXXX as a receiver for a XXXX XXXX XXXX. After some research with XXXX XXXX, XXXX, I determined that this account was not mine and wrote two letters to XXXX XXXX XXXX with this information. XXXX XXXX XXXX insists that this account was mine and currently XXXX XXXX XXXX has frozen two accounts at my bank attempting to collect this debt. XXXX XXXX XXXX has allowed me 10 days to resolve this dispute and on XX/XX/2017 will proceed to remove the money associated with this judgment from my account. I would like to resolve this matter as soon as possible and have any record of this judgment removed from my credit reports and social security number.
Company Response:
State: TX
Zip: 77015
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In my case, Ive asked for proof of the debt, but Ive only received bills. The Fair Debt Collection Practice Act states ; The Fair Debt Collection Practices Act ( FDCPA ) gives you the right to ask for verification of the debt and proof that the collection agency has the right to collect the money. The law also states that by disputing the collection, the collection agency must stop trying to collect until it provides written verification of the debt. Ive made a attempts to verify and make payments on accurate accounts. But those attempts have been repeatedly denied. In the letter sent, it states that this isnt stating that the debt is owed, but advising that there is something showing on credit that needs attention. This is the 3rd attempt to ask for proof of debt with LVNV LLC. However, the company is showing listed under Resurgent? Im unclear or unsure who debt this account is listed under. This company has also made attempts to contact under multiple different numbers listing Arkansas area codes. But when researching both names the numbers are showing XXXX ( XXXX ) numbers. Im asking for proof of this debt with both companies. According to the FCRA, this is my something that I am allowed. I reviewed the statements that you submitted ; however, I am asking for proof of this contract for this account ; and proof of contract with your companies. Please also verify that you are licensed in the state of Arkansas to Collect from both agencies. IT IS HEREBY RESOLVED that the Arkansas State Board of Collection Agencies recognizes as exempt from collection agency licensure in Arkansas any entity purchases or receives an assignment of ownership of a debt that is in default at the time of assignment provided that the debt buyer : 1 ) does not attempt to collect debts directly either for itself or others ; 2 ) undertakes collection efforts solely through third-party collection agencies or law firms ; 3 ) maintains no place of business in Arkansas. This resolution is not a change in the law ; rather it is a clarification of existing law. Thank you for time as we try to get to the bottom of this matter.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: receiving numerous debt collection letters from LVNV XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them money, they claim they purchase debt from XXXX but will not provide debt validation letter. I do not want a copy of contract with XXXX. I owed XXXX but not LVNV I need transfer or assignment of transfer to LVNV. they have violated the FDCPA Act please review the attached letter and documents
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2017-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are the third debt collector to be handling the same debt as mine. I will not pay a debt collector when the original creditor could not provide proof the debt is mine. I do not have a contract with XXXX XXXX and it needs to be removed from all of my credit reports for good.
Company Response:
State: NJ
Zip: 084XX
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A