Date Received: 2017-07-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcyXX/XX/XXXXunder file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX LVNV Funding LLC re ; XXXX XXXX XXXX
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit report I noticed a account I was unfamiliar with from a debt collector LVNV Funding LLC C/O Resurgent Capital for a total of {$900.00} I sent you a requests for Validation not a requests for verification or proof of my mailing address, on XXXX XXXX, 2017, XXXX XXXX, 2017 and finally on XX/XX/XXXX.All in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g , Section 809 ( b ). Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. In a good faith effort to resolve the matter amicably, I stated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their ( LVNV Funding LLC ) authority in this matter. I advised absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. LVNV Funding LLC sent to me a printout they had generated with sale ledger and of a copy of a bill statement from XXXX XXXX with my name on it. They have not provided any type of contract showing they have the authority to collect or official documentation showing they own the debt but continue to report negatively on my credit report despite 3 written requests for validation they ignored. LVNV despite my valid request for validation have sent numerous letters stating they are reviewing the account but provide no results. They have even gone as far as to offer me a pay for delete offer through their sister company. They openly violate the FDCPA and refuse to validate any debt but stall and delay in order to undermine the law.
Company Response:
State: CA
Zip: 92337
Submitted Via: Web
Date Sent: 2017-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX. sued me in XX/XX/XXXX for a XX/XX/XXXXBusiness Card that was in dispute ( XXXX XXXX XXXX XXXX ). The case was dismissed as I requested Arbitration and XXXX refused to arbitrate. Back in XX/XX/XXXX, Month after month, and sent many letters, disputing the fees charged by XXXX XXXX XXXX XXXX, as they grossly misrepresented the facts surrounding the Card usage and was told they would reverse the charges which were approximately {$900.00}. The company went out of business, however, XXXX XXXX XXXX purchased the writeoffs. The chargeoff was reported to my credit bureau XX/XX/XXXX according to a recent report pulled in XX/XX/XXXX. The last payment made to XXXX XXXX was in or around XX/XX/XXXX as I had dissolved the business. The balance was the disputed fees that were to be reversed. I disputed the account with my credit reports, however, XXXX verified saying it remains. XXXX is also reporting the amount of {$2300.00} and saying that it was opened XX/XX/XXXX.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am submitting requested document from CFPB Case # XXXX, notarized affidavit. I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. Then I responded, you gave it complaint # XXXX and today XX/XX/XXXX I am submitting again : The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in XX/XX/XXXX, the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Lvnv Funding LLC has put the amount of {$260.00} on my XXXX credit report as a debt owed to a XXXX XXXX card in my name opened in 2011. I disputed it with XXXX and the attached is what i got as a result. I contacted LVNV and they told me to file here and mail this dispute to them notarized. I have not had a XXXX XXXX card until about 3 months ago and have no recollection at all of this debt from 2011. I need this to be taken off my XXXX report as debt owed as I do not owe this amount and it is affecting my credit score.
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/2017 I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or around XX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/2017 I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: LVNV LLC is reporting a late on my credit report. LVNV purchased this debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX charged off this debt and sold it to LVNV. LVNV did not and provide proof of ownership of this debt, when reported to the CRA. A receipt, an assignment, .a contract is needed as proof of ownership.This must be produced as per FDCPA, without it they are unable to report a debt not proven as owned unless proof of ownership is provided. They claim that a validation letter is proof, wrong, it must be it must in a form sale receipt, contract, or assignment. This is a violation, please delete
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX never sent me notice of this debt, and never gave me an opportunity to discuss or dispute the debt. Instead, they reported a debt to my credit report and sent the file to an attorney named XXXX XXXX, XXXX. This attorney then filed suit on me and had me served. I never knew the debt was in collections. After being served, I made contact and paid the debt through the office of XXXX XXXX, XXXX. I have requested that the collection account be removed from my credit report, and have been told that this is not a resolution they offer. I want XXXX XXXX to delete the account from my credit since it is paid. I will also begin contact with my State Attorney General 's office and will potentially sue this company for their business practices. Additionally, the " original debt '' was from a XXXX XXXX XXXX. This " bank '' reported the account to my credit as well. Both XXXX XXXX and XXXX XXXX XXXX are owned by the same company, and should not be able to report 2 separate entries for 1 single debt. I will also be filing complaints and potential suits against XXXX XXXX.
Company Response:
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I decided that I was going to pay off some debt that apparently belonged to me from a previous marriage between XX/XX/XXXX and XX/XX/XXXX. Unknown to me at the time was that I had been sued on this debt. Because I had been going through a lengthy and nasty several year divorce, I am assuming my ex-wife was served and she just failed to notify me about it. Long story short, I just recently found out about the judgment by looking at public records as it 's not even on my credit report. I attempt to call the judgment creditor XXXX XXXX but they do n't answer or tell me to call back. I attempt to do so a few times but I decided that instead of being brushed off I would call the attorney who filed the judgment against me. The attorney was XXXX XXXX XXXX. I was told by XXXX XXXX XXXX that they are no longer handling the case so I call XXXX XXXX again. I finally get a hold of a representative and am told the account is now with XXXX, XXXX, XXXX XXXX at ( XXXX ) -XXXX. What they failed to mention is that the attorney is now known as XXXX XXXX and their number is ( XXXX ) XXXX. I have to find that out for myself. I try calling XXXX XXXX for five days and I can never get anything but a voicemail. I research the company to obtain other numbers and I find ( XXXX ) XXXX. It is a good number and I try calling again for another three days but again I get no answers and nothing but voicemails. There were even numerous messages left but I still get no answer and no return calls. It is now XX/XX/XXXX so I call XXXX XXXX again to figure out what 's going on and I am now told to call XXXX XXXX XXXX at ( XXXX ) XXXX. I call them but again I am having the same problem I have been having with XXXX and XXXX XXXX. I keep getting voicemails. I then attempt on XX/XX/XXXX to call 3 numbers to XXXX XXXX. Main line at XXXX. A representative named XXXX at XXXX. XXXX XXXX at XXXX. I keep getting voicemails and I am calling at all hours of the day. XXXX XXXX XXXX is no better. It goes straight to voicemail at XXXX. I even tried another number I found online ; ( XXXX ) XXXX. It is XXXX XXXX XXXX but only an employment verification line. I 'm certain you can understand how frustrating this is for me so I call XXXX XXXX now to see if I can deal with them directly. Their representatives are ovbiously not attempting to call me back or address the situation. Somewhere along the line XXXX XXXX who happens to be a manager at XXXX XXXX calls me back on XX/XX/XXXX and decides to go ahead and settle with me. We agree to a settlement for exactly {$4000.00}. to satisfy this judgment. I ask for the offer in writing and am told I would receive it within 24 hours. At this point I 'm thinking that everything is fine and is going to work out until I get a call back on XX/XX/XXXXfrom XXXX XXXX stating that this account has been recalled by XXXX XXXX and they ca n't extend the settlement offer with me anymore. I am now furious. I have spent several man hours hunting somebody down just to try and give XXXX money and I am being ignored everywhere I turn. When I finally get a someone to actually return a call, I am " led on '' to believe that I am able to resolve a pending account when in reality the company in question has no authority over the matter anymore so they are simply wasting more of my time. I call XXXX XXXX to give them a piece of my mind and am simply told by them that I needed to reach out to XXXX XXXX XXXX. I inform XXXX XXXX that I have attempted to reach them for a week and have left numerous message and still I receive no call back. I inform XXXX in painstaking detail everything that has transpired over the course of these 2 weeks and they do n't seem to care or do anything to try and appease me but instead am just told to " give them a week. '' If after that week is up and I do n't hear back from them, then I can deal with XXXX directly. Long story short, I do n't get a call back from them but XXXX still refuses to deal with me after the promised week. It was n't until XX/XX/XXXX and exactly 30 days after I began this process to try and take care of a debt that I do n't even fully recognize as mine that I receive a called from XXXX XXXX XXXX. Apparenty, they are working for XXXX XXXX XXXX who is in turn working for XXXX XXXX. They finally re-settle the account with me for the {$4000.00} I had agreed upon originally with XXXX XXXX. They even send it to me in writing as requested. The letter even states " In addition we will request that our client file the Release of Judgment and Release of lien in the appropriate venue. Finally, we will have the necessary documents needed to release the Abstract of Judgment in this matter. '' I obviously pay them and am glad that this nightmare is finally over. I was wrong. When I pay them, I receive confirmation # XXXX. I was told it would take 7-10 days to get settled in full letter. This was on XX/XX/XXXX. We are now on XX/XX/XXXX, and I have yet to receive a settled in full letter of any kind. What 's worse, I check county records, and no release nor satisfaction of judgment has been filed or even initiated. I am now past my boiling point. I called XXXX XXXX XXXX on XX/XX/XXXX to figure out what 's going on. Why have I not received a settlement letter and why has no satisfaction of judgment been initiated or recorded. Predictably, I am now being transferred from department to department with no answer until I finally am sent to a voicemail. I call back several times and the same thing happens. I keep trying until my calls do n't even reach a representative. The operator just says everyone is busy and I have to call back ... I try calling XXXX and inform them of everything that is going on. Believe it or not, the situation gets even worse. At first XXXX XXXX tries to tell me they do n't know about any payment. They state that they will have to check with their assigned collector to verify if any payment was made. I offer to submit the settlement offer in writing as well as a bank statement from my bank showing payment was cleared for the settlement amount stated in the letter and am finally able to get the representative to admit that they do see payment was made. I press her even harder now as I can see she is just trying to brush me off and feed me lies and she states that she now has to check her assigned collector to make sure that it is in fact a settlement in full. I point out the obvious to her and tell her that I am forwarding her the proof in writing and she tells me the same thing. I finally asked to speak to her supervisor. I am transferred to a XXXX XXXX. I explain everything to XXXX XXXX just like I am explaining to you. I tell her that I want my satisfaction of judgment and settled in full letter and that I wanted it now. She pretty much reiterated what her representative told me but even upped the audacity by another level. I informed her that I researched California Law and that judgments are supposed to be recorded as satisfied within 15 days of payment or I could pursue them for damages and it had now been over thirty days with still nothing. I informed her I intended to do so if I could not get a satisfactory answer or time frame from her in that particular phone call. She did n't seem to care and went as far as to say that she did n't know how long the verification process would take and would n't give me a definitive time frame or even an estimation of when any of this would be completed even though she had now been informed there were consequences if she did n't. ARE YOU KIDDING ME!! It took a whole month to find the right representative just to discuss the account. I finally get the deal in writing, pay the account in accordance to the deal, wait more than double the appropriate time for my letters and account to be satisfied, inform her that her company and her collectors are in violation of the law, am willing to provide her proof that a deal was made and paid to speed up the process, am rejected as they want their own verification, and I am told they do n't know how long it would take or even attempt to expedite the matter even though they have been informed about the law. Now I know that they are being willfully negligent and I wo n't stand for it. I have read that your company hands out class action lawsuits against companies who take advantage of consumers. I am 100 % certain that this company has had numerous complaints over the years as that is the first, second, third, etc. thing I read online the second I type XXXX XXXX on my XXXX search. Please look into this company as well as their affiliates as I can not believe the audacity of how they are treating consumers. If it takes a month to get a hold of someone just to pay them, another month just to find out they did n't hold up their end of a deal on a paid account, probably another month just to get them to correct the situation ( I am assuming they will correct it but am now unsure considering how they have treated every other aspect of this fiasco ). I can only imagine how they treat people who do n't pay them but have legitimate disputes. I will hire my attorney and go after them if need be.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2017-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am asking that the company, Resurgent Capital Services ( lvnv ) provide me with something in writing before I pay them. They refuse. I want the lvnv removed from my credit report. The debt was a credit card e keep passing it around to collection agencies. I refuse to give anyone my bank info without something in writing.
Company Response:
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A