Date Received: 2017-09-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I am filing a complaint against XXXX XXXX XXXX. A credit card was opened with XXXX XXXX XXXX on XX/XX/XXXX. The credit limit was {$400.00}. The date of my last payment was XX/XX/XXXX. I encountered financial hardships shortly thereafter and was unable to continue payments. The actual charges I put on this account were below the {$400.00} limit ; however, when this account was closed, only 5 months later, XXXX XXXX XXXX had almost doubled the original balance by adding on predatory fees and penalties inflating the balance such that on the date the account was closed ( XX/XX/XXXX ) the balance was {$700.00}. They then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX, the original creditor, has already been paid for this debt and as such, XXXX XXXX XXXX has no right to request this debt be paid for a second time. In addition, XXXX XXXX XXXX is now inflating the debt even more, requesting an additional {$280.00}. The current balance they are saying is owed is {$980.00}. This is pure exploitation. Now XXXX XXXX XXXX is attempting to garnish my wages to coerce me and entrap me into paying for these unscrupulous business practices. It has been nearly three years since the original debt. XXXX XXXX XXXX has recouped any loss they might have had through tax write offs and compensation from selling the debt. XXXX XXXX XXXX has no right to collect {$980.00}. I never ventured into any contractual agreements with them and therefore their actions are malicious, nefarious and full of corruption. This is a common tactic used by XXXX XXXX XXXX that has been used against friends of mine and various customers. They must be stopped from using these habitual, corrupt and unethical business practices. XXXX XXXX XXXX has two other related entities that they bounce these debts back and forth among to avoid justice and so they wo n't get caught and to keep the government regulation agencies off balance.
Company Response:
State: IN
Zip: 46725
Submitted Via: Web
Date Sent: 2017-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called resurgent capitol services on XXXX XXXX for a letter stating i own XXXX cents for XXXX XXXX XXXX bill the operator I spoke to threatened to sue me from a Debt I do n't own dating back to the year of XXXX
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2017-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4200.00} with XXXX XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided documentation that I am obligated to pay for the alleged debt. I have tried to make contact with XXXX and have been unsuccessful with having this debt removed. I have now sent the same information to The Better Business Bureau as well as The Consumer Financial Protection Bureau to assist me. This collection company has never sent information to state that I have gone into contract with them. XXXX passed over the debt to XXXX XXXX XXXX XXXX, however, XXXX officially wrote it off and the debt is discharged. I have never entered a contract or received goods from the collection company therefore their dispute is null and void. I demand that XXXX removed the negative report against my SSN. Im asking that they send me a updated copy with this collection being removed from my credit. I have attached several documents showing that this collection is being reported on my credit report and XXXX not updating on my report that its being reported by a collection agency. Sincerely Thank You for Your Assistance, XXXX XXXX XXXX
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2017-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Not reporting correct date with credit grantor. Should be showing 2011
Company Response:
State: OK
Zip: 73170
Submitted Via: Web
Date Sent: 2017-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I RECENTLY CHECKED MY CREDIT REPORTWHICH I HAVEN T DONE IN YEARS I HAD FOUR IN COLLECTIONS THESE ARE NOT MY ACCOUNTS I SENT DISPUTE LETTERS TO ALL FOUR TWO OF THE HONORED MY REQUEST TO DELETE FROM MY CREDIT FILE HOWEVER LVNV FUNDING AND XXXX XXXX ARE GIVING ME A HARD TIMELVNV REMOVED IT ONE WEEK AND PUT IT BACK THE NEXT SAYING THEY DIDNT HAVE ENOUGH PROOF IT WAS FRAUDULENTLY OPENED I HAVE NO KNOWLEDGE OF THESE ACCOUNTS THEREFORE THEY WERE FRAUDULENTLY OPENED I HAVE BEEN TRYING TO REBUILD AND REPAIR MY CREDIT SINCE FINDING THIS OUT LVNV IS XXXX OTIGINAL CREDITOR XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX ACCOUNT XXXX DATE OPENEDXX/XX/XXXX ORIGINAL CREDITOR AMOUNT WAS XXXX HIGH BALANCE XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ACCT XXXX ORIGINAL CREDITOR XXXX AMOUNT XXXX OPENEDXX/XX/XXXX I AM A XXXX XXXX XXXX VETERAN I HAVE NO RESON TO LIE THIS IS SO UNFAIR MOST CREDITORS WERE SO KIND AND HELPUL EXCEPT THESE TWO WHICH I VE READ ALOT OF REVIEWS NONE GOOD CAN YOU PLESE HELP WITH BOTH ACCOUNTS THANK YOU
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV FUNDING is re-aging debt and it has listed debt as a collection account, when it is duplicatively listed on the same credit report under the original creditor. See attachments of screenshots of my credit report which shows duplicative entries for the debt.
Company Response:
State: CA
Zip: 93901
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was checking my credit report and came across this collection on my credit. I was not notified or given the right to dispute the balance ... The last balance was XXXX and they are reporting XXXX
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I never recieved any notice of the debt and when I asked for verification it was never given they have also reported on my credit file that this account is verified by the Fair Debt collection Act which they have repeatedly violated and disregard by not giving me noticed to dispute and a copy of the original contract with my alledge signature.
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was settled in XXXX of 2017 and is still shown on my XXXX not paid. The company XXXX XXXX has removed it from XXXX but not XXXX
Company Response:
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2017-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A