Date Received: 2017-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In 2011 R esurgent Capital Services bought a debt from XXXX XXXX and I advised both companies that the debt was not mine and the account was opened illegally. I 've disputed the item several times with all XXXX major bureaus and the debt always comes back as verified which is strange because when I talked to XXXX at XXXX in the fraud department she advised me that she could not send me validation of the debt because it was sold to Rsurgent i n 2011. I c ontacted Resurgent several times over the years asking for verification and each time I 'm told I 'll receive it in the mail but nothing ever comes. This negative item on my credit report has been the reaso n I XXXX denies employment, credit, and pay higher premiums in insurance. For years know this company has been trying to collect on a debt that does not belong to me. I 've suffered from major headaches. High level of anxiety because of this. This company XXXX hi all and illegal practices that needs to be stopped. I had to pull my daughter out of her private school and send her to public school because I was denied a student loan for her. This company has turned my life up side down. XXXX sent me a letter stating, '' This is attempt to collect a debt ''. This is the only letter I receive when I request validation of the debt.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2017-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-26
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Abo ut ten y ears ago, my then husband had unknown to me gotten a credit card with my information. My ex husbands abusive behaviors led to our divorce at the time. Lo and behold, I get a garnishment summons for an amount t I have no clue of. I have never had a XXXX XXXX charge card.I have been divorced from my ex husband for 13 years now. I tried explaining to these collectors bu t they wo n't budge. How do I support XXXX kids with my pay garnished.? Please help me resolve this issue.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2017-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding LLC has tried to collect a debt and I sent out a letter asking them for proof of the debt because the amount they were requesting was higher than the debt. I told them not to contact me via phone and I did not receive any information about the debt they were trying to collect or proof on the amount. I have this on my credit report and I did not get proof as to what the debt being collect or amount was for so I do not know if this is my debt or not. Company did not send me any information therefore I do not believe it should be on my credit report.
Company Response:
State: MI
Zip: 491XX
Submitted Via: Web
Date Sent: 2017-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV Funding LLC, continue to file false information on my credit files. The debt listed below, is reporting on my credit files and LVNV Funding LLC will not respond to my requests for validation and verification. I have never had an account with this company and do not have any contractual agreement with them. Name : LVNV FUNDING LLC Acct # : XXXX Credit Limit : {$0.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Past Due : {$880.00} Acct Status : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$880.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : {$0.00} Terms Duration : Terms Frequency : Date Opened : XXXX Balance : {$880.00} Date Reported : XX/XX/XXXX Amount Past Due : {$880.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XXXX Months Reviewed : 22 C reditor Classification : Financial Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency : XXXX Comments : Consumer disputes this account information, Collection account, 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2017-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To Whom It May Concern : I XXXX XXXX am filing this disputed complaint against multiple affiliated entities such as LVNV Funding LLC, an d C/O : Resurgent Capital Services, and XXXX XXXX , in regards to their fallacious reporting 's to XXXX , entity. In Between XX/XX/XXXX , and XX/XX/XXXX , I contacted the original lender of XXXX XXXX , to advised them of my immediate financial hardships and extenuating circumstances that would prohibit me, from making continuous payments going forward. As such, they advised me to enter i nto one o f their affiliated credit counseling programs of which I complied and commenced. As such, about a month thereafter, I received a call from a gentleman stating that he was just calling to see if they were any changes in my financial status, and of which I said no. As such, he continued on by saying your almost a year behind on your mortgage and still under water with many other financial payments and companies. And right thereafter, to my surprise he proceeded by saying that as of today he no longer would be pursuing this matter, and therefore, this debt will be made nullified as under cease and desist order and will be shared with all of their affiliates, to comply with going forward as well. However, to that narrative in XX/XX/XXXX , while I was residing in the east coast wh ich is about XXXX states away a friend of mine had informed me about coming in contact with a subpoena order of which she founded on her door. So, I requested that she scan and e-mail such documents. Upon reviewing such documents it turned out that it was LVNV Funding LLC, who had filed a lawsuit by utilizing a law firm based out of XXXX XXXX Michigan suing for court costs, attorney fees, and other additional bogus charges other than the original left over debt balance of {$630.00}, range, and with theirs showing {$820.00}, from XXXX XXXX , and with the lawsuit debt showing {$920.00}, stemming from LVNV Funding LLC, and affiliates, that they were currently utilizing to place judgement against me, in a cunning, and gravalicious attempt. So, right after revising such documents I decided to contact the courts and shared to them the same sentiments of what was said, to me verbally and also advised them that I was also, no longer residing in the current state and county of where such lawsuits were filed and in further, advised the court clerk that It would also be difficult for me to make it there, as I was like XXXX states away. I also said, to the clerk, that if there was a way for me, to do the hearing over the phone on the date specified for such specific times as that would work out for me just fine. She replied by saying no, and that the information that I had provided her with was good enough to record down and proceed with. And in further, she also provided me with an email address and link to give such, shared verbal statements in writing of which I executed and completed, with also a follow up call to make sure, that such, request was received and of which was also verified out accurately. And that was that. In further, I also contacted the law firm and spoke to a gentleman and shared the same sentiments of what was said to me verbally over the phone stemming back from XX/XX/XXXX . That same gentleman at the law firm took my statement and replied by saying okay. Again, that was that, and to this day I have n't heard from any of the sources that I had called into about the shared sentiments and statements in general. But as such, I have been noticing constant reports being made against my credit under XXXX , enforced by all XXXX entities of LVNV Funding LLC, and C/O : R esurgent Capital Services, and XXXX XXXX and on many numerous occasions that I have made constant contacts with XXXX , and shared the same sentiments, and to no avail, to this day no such, actions of deletions has been made by any of the affiliated entities that 's reporting all such negative and derogatory reportings. And as such, in my closing out analysis and conclusion surrounding this entire matter. I for one have detected that these XXXX entities is full of ethical fallacies that supports their unethical behavior for how they all conduct their businesses with no good reputation or credibility behind them, and in further, they all utilize such disturbing approaches to entrap and take advantage of past and present customers that perhaps, would have never catch on to such undermining events, and for which many would deem as an act of non-de minimis attempts, which also supports acts of extortions on so many unjust levels. And as such, again, I therefore, request that all these XXXX entities cease, and desist all such reportings against my credit with XXXX , as one of your associates had already declared the aforementioned over six years ago which supports all my shared statements and sentiments with all the appropriate parties and entities here by in general. And as such, as it relates to the subject matter, I am requesting that very stiff penalties of swift acts of justices by the body of government that oversees, and regulates all XXXX entities as their ways of conducting businesses at all levels demonstrates nothing but an act of deeply disturbing business conduct in general in the marketplace. And lastly, please see info on XXXX XXXX , law website regarding LVNV Funding LLC, and Resurgent Capital Services.
Company Response:
State: IN
Zip: 46725
Submitted Via: Web
Date Sent: 2017-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Tried to dispute through credit bureaus and collection agency, illegally said debt was verified. Originally removed from XXXX credit report on XX/XX/2017 then added back on XX/XX/2017 . This action was a violation via FDCPA and FCRA for not giving me a 5 bu siness day notice that it will be reinserted on my credit report. This action damaged my reputation and credit score/report. Collection agency has failed to provide me with original documentation from original creditor with my wet ink signature. Copies of copies does not validate proof of debt owed. Original documents without my wet ink signature does not validate proof of debt owed.
Company Response:
State: KY
Zip: 40291
Submitted Via: Web
Date Sent: 2017-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC, is stating that I owe a debt in the amount of {$240.00}. I repeatedly disputed this claim several times in the last year because this debt is not mine and fraudulent activity with this account. I have never signed a contract or received any paperwork from LVNV Funding LLC stating that I owe this debt or details of this debt.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This dispute involves the purchase and return of XXXX tablets from a known installment plan retailer. XXXX tablets were returned to the retailer because they stopped working ; The XXXX tablet was sent to me without my consent and was also returned as well.All of these returns were at my expense.Although my " Account Balance '' page shows all items as returned, it also shows a balance due.How could a balance be due when all items were returned? I 'm looking for an answer to this question.And, yes, I have several copies of my Account Balance page reflecting all of my returns.
Company Response:
State: MS
Zip: 39209
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent capital, LVNV Funding LLC, does not prove the debt is mine. The burden is on them to prove this and they have not done so. They state it meets FCRA requirements, IT DOES NOT. They are required to remove the trade lines from all majo r Credit reporting bureaus. ( XXXX , XXXX , and XXXX ).
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2017-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There a re XXXX compan ies reporting a delinquent account that originated with a 60 month loan with XXXX that was secured by a vehicle. T he Loan was originated on XX/XX/XXXX for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on XX/XX/XXXX . I paid this loan as agreed until Approximately XX/XX/XXXX when the loan was transferred to XXXX XXXX for servicing. I was notified by XXXX XXXX that my balance was still {$13000.00} after I had been paying my payments since XX/XX/XXXX ( 5 years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on XX/XX/XXXX which I refused via fax on XX/XX/XXXX and asked them to come and pic k up the car that the loan was secured on. XXXX XXXX then transferred the Loan to XXXX XXXX who also tried to collect before selling the account to LVNV funding. I currently have a delinquent closed account being reported on all XXXX of my credit bureau reports by XXXX XXXX XXXX for the loan which was originated with XXXX as well as a delinquent Open Collection Account on all XXXX of my credit bureau reports by LVNV Funding in the amount of {$13000.00} which again was originated with XXXX . My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the XXXX XXXX Welcome Lett er ) ; comple tely different than the Original Note ( Shown on the XXXX Loan Origination Note ) Th e XXXX XXXX Welcome letter does however reflect the correct XXXX Loan/Account number and corresponding XXXX XXXX account number, which is then referenced by XXXX XXXX an d LVNV Funding. I will also include a letter from XXXX stating that they no longer have any of the documents of my real estate loan that was originated with t hem ( it was actu ally a 60 month vehicle loan that originated on XX/XX/XXXX ) s o t hey will delete the account from my XXXX agency credit reports. I would like to have any delinquent accounts associated with the Loan that was Originated with XXXX be deleted from all XXXX of my credit bureau reports PERMANENTLY Deleted.
Company Response:
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A