Date Received: 2017-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a judgment from XXXX that was settle for the amount of {$1200.00} and was paid by XXXX XXXX XXXX on XXXX / XXXX / 2003 . My employer was recently served a writ of garnishment from XXXX XXXX firm, on behalf o f LVNV Funding, who is supposedly collecting the debt for XXXX . The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Last year i received a notice on my credit report from some company claims i owe {$500.00} dallors to them on an old credit card that was paid. Ive been working with a credit repair company to resolve this issue. This compa ny LV something claiming that i pay on an old bill that was paid will be going to court soon to dispute this matter which they claim that i have Circuit Court which appears on my credit record I 'm going to dispute that and get every penny of the money that I got coming back to me for them harassing me. Again I know nothing about this company and for them to be practicing I 'm going to turn them in and let the FBI do the work on them for ruining my credit report tha nk you
Company Response:
State: WA
Zip: 98258
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am attempting to clean up my past due accounts. I have two left! This week I pulled an updated copy of my credit bureau report so that I would be able to see the amount ( s ) owed and the status of each account. I noticed that one of the accounts had been ( XXXX XXXX ) sent to a debt buyer, LVNV Funding. On XXXX XXXX XXXX I cal led LVNV Funding and spoke to a gentlemen who was very unfriendly when I told him I wanted to take care of my account but after looking at the balance it did not seem accurate. He informed me that my account had been placed with the law firm of XXXX XXXX XXXX and I would have to contact to law firm to work it out. On XXXX XXXX XXXX I called XXXX XXXX XXXX and spoke to a gentleman named XXXX XXXX . I informed him that my account was placed with the firm. He said that the account was placed there in XXXX XXXX and asked why I had n't called before. I told him that I was unaware my account was placed at this firm and I have not received any call or mail notification. He told me it was not his fault that probably threw it away without reading it. I can assure you ( as I assured him ) I have not received any formal notification of the debt being placed at a law firm. I advised M XXXX XXXX that I did not believe the balance was accurate and offered to pay {$300.00} ( balance {$720.00} ). He said they do not settle balances that size and said would take me to court instead. He said that they would add additional fees associated with court costs. I ended the call and called LVNV Funding. I offered them the same settlement. They refused and told me to call the law firm. I am getting nowhere and refuse to be treated like less than a human when I an trying to do the right thing.
Company Response:
State: IA
Zip: 50023
Submitted Via: Web
Date Sent: 2017-06-09
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: I obtained my credit report for accuracy and saw an account that is not mine. I sent a letter to the collection agency on XXXX / XXXX / XXXX requesting additional information to investigate who opened this account in my name. As of today they have not replied.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2017-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This is a XXXX debt that is being handled by Pinnacle Credit Service but a lso being sought on by LVNV Funding LLC. The credit bureaus are reporting what is being sent to them monthly.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have contacted the company LVNV Funding on XXXX / XXXX / 2017 and contacted them numerous times up till XXXX / XXXX / 2017 and have explained to numerous representatives that I have paid the company XXXX on XXXX / XXXX / 2017 and stated I have a receipt paid of the balance owed and I was told by LVNV representative that they can not update their collection records with my receipt and they were not going to update this on my credit report I have contacted XXXX which stated they are going to transfer my debt payment to th e LVNV Funding deb t collector and I have not had any progress on a debt I fully paid as this still is affecting my credit in a way that banks think I still owe and I do not have a balance owed to XXXX and LVNV is still trying to make me pay a second payment to their company and does not want my receipts of full payment from XXXX .
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2017-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding fraudently added a tradeline to my credit report in the amount of XXXX. I have tried to dispute this issue multiple time with the credit bureau because this company has failed to uphold the FCRA Act by not sending me no information, never was given a chance to verify that this was my debt. I did receive information from the original creditor but not from them and if the original creditor sold my debt to this company and I have received nothing in the physical mail from them and do n't even know a account number with this company how are they allowed to effect my credit score in this manner
Company Response:
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed when checking my credit that XXXX XXXX XXXX claimed that a account was charged off, i asked for validation off the account because i do n't own a XXXX XXXX account they replied back that they do n't have any papers and this account was shut down and sold to a collection company named LVNV Funding INC, i asked LVNV Funding INC as well for Validation and received a letter stating that the account was closed. I also requested XXXX I would Like Proof As per Sec 605, 609, and 623 Per FCRA and received noting, XXXX is required to provide proof Per 609 and failed to comply, I spoke with a supervisor at XXXX XXXX XXXX named XXXX ID # XXXX and was told that they sent over all documents to LVNV and to contact them they have nothing but they claimed to verified and updated my XXXX credit report on XX/XX/XXXX. Resurgent Capital ( LVNV ) sent me a letter on XX/XX/XXXX stating they will be request to delete tradeline it still reporting as of XX/XX/XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX sent a letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2017-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: lvnv funding has a $ XXXX open collect on account XXXX on my XXXX credit report at XXXX XXXX account.Open XXXX 2015.This account was original own by XXXX who put it in discharge.I understood I had a right to put it in a XXXX with th e IRS.lvnv fu nding, did not take me to court did not get a lien on my property, just jumped on my credit, that 's not legal, my debt is paid for.this compa ny is trying to still my account and make me pay for it again. open XXXX /2015.when ever I ask for proof of account this company will not answer, because this company do not own this account.can I get some help from the federal trade commission
Company Response:
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2017-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A