Date Received: 2017-08-10
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As his debt collector is not entitled to collect on a debt in the state of Florida.
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2017-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In reference to previous complaint number XXXX. Resurgent Capital Services responded to the complaint and attached XXXX XXXX Statements. The statements show that payment where made to this account. However, they did not send me the signed credit application so I can investigate further. However, I give them an idea, please ask XXXX XXXX XXXX to provide a copy of the check or money order or provide me with the payment format used for this account. The payment format will show the address on the check or money order and if the payments were done online, then they have to have a record of the bank account used to apply payments to this account. This is the only way we can discover who opened this account in my name. On the response Resurgent Capital Service sent, they attached a letter in which they also mention that if this account was fraudulent to file a police report or a notarized identity theft affidavit. I went to my local precint to file a report and the officer refused to issue a report for an account opened 9 Years ago unless I provide a signed credit application. Therefore I am attaching a notarized affidavit. Please note I am out of state and have taken this to notarize in the State of Florida since I will be out of state for another week and do n't want this to stay on hold.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My name is XXXX XXXX. In XX/XX/XXXX I became unemployed because of a XXXX XXXX. I suffered another XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX was the last date I made ANY payments on any credit cards that I had at that time. According to the Texas Attorney Generals Office, in the State of Texas the Statute of Limitations on credit card collection is Four ( 4 ) years from the last payment made. Therefore, this debt that I am referring to, has not been able to be collected since XX/XX/XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, located in XXXX, Texas. They said in that letter that if I did not pay the amount owed, ( there was no amount listed ) within 45 days they would be forced to file suit against me with the Clerk of Court for XXXX, Texas County of XXXX. I contacted them and informed them that I no longer owed this debt as the SOL had expired the year before, and furthermore I did not live in XXXX XXXX. A couple of weeks later, I received another threatening letter from them. Once again, saying that I had 45 days to pay or a suit would be filed against me. I contacted the Clerk of Court for XXXX XXXX, even though I live in XXXX County, and was told to ignore it. They told me this because of past dealing with XXXX XXXX XXXX, that they were notorious for using threatening tactics. I never heard from XXXX XXXX XXXX again. Now, XX/XX/XXXX, seven years since I last heard from them, they are once again sending me letters stating that I have 45 days to respond and pay, ( once again, no amount is listed ) or they will file suit against me with the Clerk of Court for XXXX County Texas. Again they have the wrong county as I live in XXXX County. This time they enclosed a copy of the letter that they sent to the Clerk of Court and I have the Attorney of records, name XXXX XXXX XXXX Texas Bar Number XXXX Admitted to the bar in Texas on XX/XX/XXXX The law firm who continues to harass me with these letters is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX I contacted XXXX XXXX on XX/XX/XXXX and explained to her that the SOL had expired on this debt and that it was no longer able to be collected. She told me, and I quote, " I 've never heard of a Statute of Limitations. All debts can be collected until payment is made. '' I also sent them a certified letter stating the above information. I never heard from them again, either by mail or by phone so I thought the problem was over Today, XX/XX/XXXX I once again received a letter from XXXX XXXX XXXX, with XXXX XXXX XXXX listed as the attorney for the Plaintiff. Once again, stating that they would file XXXX XXXX me with the Clerk of Court in XXXX County Texas within 45 days. In this letter it states : LVNV Funding LLC v XXXX XXXX, Cause Number XXXX, in the Justice Court, Precinct XXXX XXXX XXXX XXXX XXXX. Once again, I do not live in XXXX County. I have been on the Internet and have read one consumer complaint after another about this law firm and how they totally disregard each States Statute of Limitations regarding collection of credit card debt. They use harassment, both with phone calls and letters. Thank you XXXX XXXX
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Upon investigation, CitiBank contacted me with information stating that the debt was sold to a financial firm, XXXX XXXX ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called XXXX, they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX XXXX XXXX ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was CitiBank and I 'm under the impression that I have been a victim of fraud by these firms in this matter.
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2017-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i received a {$9000.00} loan from XXXX back in 2015. The payments were set up by direct deposit. In XXXX of 2015, XXXX stopped collecting payments from me and stated that the reason why was because my bank account was closed. Even though i informed them numerous times that my account was not closed, and even paid them using the debit card from the account they stated was closed, the company still refused to reinstate my direct debit, which was a part of my loan agreement. When i could no longer keep up with the payments because i had to keep calling their customer service number every time i needed to make a payment, incurring late fees if i did not make it in time, i refused to keep making the payments until they fixed the issue that was resulting in my not being allowed to keep my loan agreement. Furthermore, the balance on my account was not shrinking, no matter how many payments i made, as the balance stayed at {$10000.00} and they refused to send me a copy of my account ledger. After my refusal, XXXX sent me to their collections company called XXXX XXXX XXXX sent me a notice stating that they would settle for {$5300.00}. I informed XXXX that the {$5300.00} was close to my balance when i stopped paying the account, not the {$10000.00} they were trying to collect. I also asked XXXX for an accurate account ledger, listing all the payments made to this account. To this date, i have yet to receive one. They have placed this account on my credit report as a collections in the amount of {$10000.00} and have never sent me an account history nor a ledger, as i have repeatedly requested.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Every time I call XXXX XXXX XXXX for a current account, they always ask me how I want to take care of paying 2 old, time-barred accounts, for which I have notified them and demanded that they cease and desist trying to collect on time-barred debt. I have advised them that they are in violation of Federal Law when they try to collect on those accounts, but they keep asking me how I 'm going to pay for the accounts. They also sent me letters for the debt from Servicing companies who were trying to collect on the debt that was first delinquent in approximately XX/XX/2005.
Company Response:
State: CA
Zip: 93901
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX Card ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX Card ), XXXX XXXX, XXXX XXXX XXXX, Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was offered a settlement back in XXXX in the amount of XXXX. the original balance was XXXX in some change. I advised the collector that i could set up the remaining of my XXXX dollar payments with my credit card, after being advised that one of my payments did n't go through. XXXX has been paid on my account. i called to resolve my account and the collector advised me that i would have to pay the amount the full balance which was XXXX and change. I advised the collector that he was being deceitful. I was never made aware that if a payment was missed that i would have to pay the balance in full. The account is a judgement and listed on my public records and is reported as the incorrect balance owed. I was contacted on the XXXX on my cell phone about my account. At the time i was working and unable to speak about the debt. I spoke with XXXX XXXX, who using verbal sarcasm, which is completely unethical.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services, which I hold no contract with & have never had any business affiliations with, reported a collection to my social security #. A debt in the amount of {$1800.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Resurgent Capital Services has failed to provide adequate proof.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed a collection account on my credit report in XXXX of 2016, from a collection company called LVNV Funding, operated by a company called Resurgent Inc. The debt is for {$41.00} and im unaware of the original debtor but I know it 's not my account. I 've reached out several times to LVNV and asked them to provide me with proof the debt is mine and they have been unresponsive. I also filed a police report in XXXX of 2016 and sent it to XXXX and asked them to remove this fraudulent item, to no avail.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A