Date Received: 2017-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is very old. I do not owe this amount. Tried to reach out to company on numerous times to get updated letter in writing on what I actually owe.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2017-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am currently being sued by LVNV Funding. I received a summons on XXXX XXXX, 2017 stating that I owed {$1200.00} and should appear in court on XXXX XXXX, XXXX. I immediately called the attorney 's office representing the case ( XXXX XXXX XXXX ), stating that I had no knowledge of this account therefore, I am disputing it. I let them know that I was willing to reach a reasonable settlement if they could send me proof that I owe the debt and if they could prove that they have the authority to collect. I was told that they would investigate and get back to me. I never heard from them. I appeared in court, the case was continued, still no verification. I appeared again and a trial date was set, still no verification. Three months after my initial request, at XX/XX/XXXX, I finally received copies of statements and an incomplete assignment contract ( a one-page document stating that my account was part of a group purchase " Exhibit A '' ). On XXXX XXXX, 2017, I sent, via certified mail, a request for a copy of the complete assignment contract stating specifically the owed amount, that my specific account was sold to LVNV and that they had the authority to collect those funds. After several attempts to obtain the required information, I still do not have the requested information. I have also made several attempts to settle the account even though I do n't agree with the amount that they say I owe and I do n't have proper verification. Each time I called XXXX XXXX XXXX, the attorney 's office added on additional fees to the initial amount they said I owed. One of their reps said that I would need to add on {$170.00}. Another rep stated that I needed to add on an additional {$300.00} to the initial amount of {$1200.00} they said I owe and pay that before the case can be dismissed. I believe that LVNV has violated the FDCPA by ( 1 ) asking me to pay more than supposedly owed, ( 2 ) failing to send written debt validation notice, ( 3 ) failing to send proper verification of debt, and ( 4 ) continuing to collect on a debt before providing verification. They should not be allowed to conduct business in this manner.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2017-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I do not have a signed contract nor any contract with Sherman Financial Group. I have never done business with this company. I am not Liable for collection for this debt from XXXX XXXX XXXX. I am not responsible for this debt with Sherman Financial Group.
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2017-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and 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 adequate proof that I am not obligated to pay for the alleged debt.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. 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 2010, 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: XXXXX
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX Act Number # XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX Pinnacle LLC Resurgent Act Num : XXXX Pinnacle LLC Regurgent Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.
Company Response:
State: SC
Zip: 29440
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have formally requested by certified mail on XX/XX/XXXX and XX/XX/XXXX that LVNV Funding LLC C/O Resurgent Capital Services provide me with VALIDATION of the two accounts # XXXX******and XXXX****** that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided me any VALIDATION. Enclosed you will find letters that were sent to them by certified mail on two separate times..
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I 've sent numerous request to this company via certified mail requesting proper validation for a debt that they claim I owe them. Each time the company has ignored my request for validation and sent me a summary of a bill. I have with the company that the FTC opinion letter on itemized bill. However, they have yet to provide me with any documentation showing that I have any type of agreement between me and the company. Furthermore, when I first contacted this company with my dispute, they failed to mark it disputed with the credit bureaus with the allotted 30 days as required by the FCRA & FDCPA. After doing research with the court systems on this company in my state, which is Texas, I found that this company have had many complaints filed against them, and have bought suits against many consumers without having a " consumer agreement '' stating that money is owed to them by the consumer. I have also requested a copy of such agreement from this company, and I have been ignored. I am not obliged to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. This company is known for using bullying tactics on consumers in order to scare them into paying a debt that they do n't owe to them. I am attaching copies of my correspondence with them, and their response that they have continued to send me. Please be advised that the copy of their response that you are receiving is what they have continued to send to me ignoring my request for other information.
Company Response:
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received collection letter dated XXXX XXXX XXXX from XXXX XXXX XXXX XXXX about a debt for LVNV for {$14000.00} last XXXX digits on letter are XXXX. I do n't owe any money to LVNV I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with LVNV.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account information is invalid and has not been verified as requested. There is no contract to prove the debt. 4 Legal letters were sent out for this account to be verified, in order to prove the debt valid, and no response has been returned besides my credit reports stating it as " verified '' with no documentation. In addition, it was requested that this account be removed from my credit reports for non verification in violation of state and federal law, and it still remains on my credit reports. They were required under the FCRA to have properly verified the accuracy of the account and they have not done so. There are no documents in their files to prove the account that has been disputed four times belongs to me. There is also no name provided as to who in the company attempted to verify it. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which ca n't be verified and have refused to do so.
Company Response:
State: LA
Zip: 70601
Submitted Via: Web
Date Sent: 2017-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A