Date Received: 2017-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not done business w ith LVNV funding. I do not have a signed contract not any contract with LVNV funding. I have the right to demand to see a signed contract between LVNV funding and myself.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2017-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-28
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: When the original creditor called we were confused about the debt because they were saying XXXX XXXX and I have a XXXX XXXX Credit Card. We told them we did n't have an account with them and they said thank you and we never heard from them again. Now they have apparently sold the debt to LVNV Funding and they call and tell me they are serving me with papers and going to be contacting my place of work. I am not even sure what this is about.
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX/XXXX/2016 sent a debt validation letter via certified mail and I never receive anything back from this company.
Company Response:
State: CA
Zip: 95124
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am questioning account number XXXX with LVNV Funding due to the fact that I have sent several dispute letters to the credit reporting agencies and it comes back verified every single time. They are claiming that I owe {$400.00} to XXXX XXXX on my credit report. XXXX I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Place negative reports on my credit when these accounts are not mine, I was a victim of identity theft and I let them know and had a freeze placed on my credit. They have placed this same account on my credit file XXXX. The company is XXXX XXXX XXXX and the dates where XXXX and XXXX
Company Response:
State: NC
Zip: 28083
Submitted Via: Web
Date Sent: 2017-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX sent me a letter on XXXX XXXX , XXXX stating I owed {$280.00} to creditor LVNV Funding LLC. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on XXXX XXXX . No one respnded to my letter. I received a similar letter on XXXX XXXX XXXX with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2017-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name was forged on a contract with XXXX for a cell phone. I never agree to a two year contract and buy my own phones. A signature on the contract is n't mine. After several conversations locally and with their accounting department over a bill for early termination of {$160.00}. I offered {$50.00} to settle the account. I sent a check which clearly states " Full and final payment '' which they cashed. XXXX then sent the account to PiinnacleLLC, a collection agency. They have done nothing to collect the remaining {$110.00} except harass me by reporting me to the XXXX major credit bureaus each month fo r three years and three mo nths. The account is no longer collectable, the statute of laminations has expired aft er three yea rs. Please note also in the file I attached XXXX other collection agencies plus Pinnacle have called me. After each contact I explained to the XXXX others they dropped out and the account goes back to Pinnacle. Please look at the contract signatures plus my actual signature as an example.
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: First letter was s ent XXXX 2017 Thi s letter is regarding account # XXXX , which you claim WAS CHARGED OFF {$1000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some contractual obligation to pay you. I received a letter back on XXXX 2017 stating that they have enclosed account summary which provided verification. Verification of they debt is not valid, which only had My current address, the account information, and who they acquired it from. I followed up with a second letter on XXXX 2017 re questing for proof. I then received a letter back from them XXXX 2017 s aying they are not willing to corporate. The company 's name and address Resurgent Capital Services, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , SC XXXX Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Received a call from a XXXX XXXX claiming to be a privat e investigator for the pinn acle Group. Claims that I have a breach of contract with XXXX . The original principal that was charged off was {$610.00}. Now with post charge off and with an interest rate of 24.99 % the fees are at {$1100.00} making the total claim {$1700.00}. Also after legal fees the total amount due is {$2900.00}. I am being told that a lawsuit is being filed on XXXX , my bank account will be garnished but I have the chance to settle for 50 %. If settled a release of liability will be sent to me so I can forward to all creditors.
Claim # XXXX number to XXXX XXXX ext XXXXCompany Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: *****NOT A DUPLICATE***** Recently I disputed this account on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I DO NOT OWE your company any money. Additonally, I know it is illegal for a collection agency to collect on behalf o f another one. How can a collection agency extend credit to consumers? They simply CA N'T. Since you ca n't produce a contract between me and LVNV Funding this account need to be deleted from my credit report. You are in violation of bothe the FDCPA and the FCRA. If these listings are not removed from all XXXX credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights. **In the US law encyclopedia, American Jurisprudence , 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. T hus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2017-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A