Date Received: 2017-05-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX / XXXX / XXXX A judgment was placed on my credit report from LVNV Funding LLC with XXXX , XXXX XXXX XXXX , XXXX acting as the collection agency collecting the active judgment amount from the balance of {$6500.00} from a repossession in XXXX . Although this debt was not paid the collection agency LVNV Funding a nd XXXX , XXXX XXXX XXXX , XXXX do not have a license nor are they bonded to collect in the state of MN where this debt initiated. On all of the documents I have received from this company both names exist and neither XXXX come up as licensed and bonded in the MN of Department website. I would like to complain know what actions can be taken to recoup the money paid to them and get this judgment vacated and removed from my reports as it has impacted my ability to gain credit worthiness since it has been reported in XXXX .
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am filing a complaint agains t LVNV Funding, LLC, for unfa ir/unlawful debt collection practices. This company purchases charged off accounts from creditors then misrepresents themselves in court as the Judgment Creditor. Apparent ly, they filed a judgment against me in absentia and are now trying to garnish my wages. I work for an employment agency as a long-term temporary employee and barely make enough to live on, so I ca n't afford a garnishment. Although, that is a moot point as this is n't a valid debt to begin with. According to the paperwork I only just received on Friday, XXXX XXXX , there was a Judgment filed on XXXX XXXX , 2008 . I was never privy to any information about said court date ; I never had a Summons served, I received neither phone calls nor letters from them - not an absolute thing. I have not been told who the original creditor is, so I have no proof that this debt ever belonged to me, and, finally, all of my old charged off accounts have fallen off my credit report this year.
Company Response:
State: CA
Zip: 92284
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of this year, I accessed my credit files through one or more of the credit bureaus and discovered a collection under the business trade-line for XXXX XXXX XXXX. This collection was placed by Resurgent Capital Services on " behalf '' of Pinnacle. " Resurgent is the owner of " pinnacle, '' which is easily provable through business records. Following my discovery, I disputed the alleged account with the credit bureau, I filed a complaint with the appropriate Better Business Bureau. I also sent a letter ( priority mail ; delivery confirmation ) directly to Resurgent disputing this alleged account. To date, I have not personally received any form of communication from Resurgent. An " XXXX XXXX '' ( who states it represents the compliance department ) did respond to the complaint with the BBB. That communication was forwarded to me. XXXX has made several false claims ; Beginning with the stated fact that this account had been " properly '' verified. I have never received any form of communication regarding this alleged debt ( written or verbal. ), from Pinnacle or Resurgent. There is the claim, that this company is in compliance with the FCRA and the FDCPA, however, I can prove that there are several violations of both. XXXX, also states that Resurgent " utilizes '' numerous third-party collection agencies, this account has been placed with more than one of these third-party agencies. XXXX has alluded to an internal investigation concerning this alleged debt. Followed by a statement that contradicts an investigation having been conducted. XXXX also falsely accused me of making statements that I did not make. And that is also easily proven. This XXXX has stated that it is MY responsibility to provide this company with proof that I do not owe this debt. This company has made the claim, alleged and/or accused me of owing this alleged debt. It is the responsibility of the company to legally prove that this is a legitimate debt. That I am legally responsible for this alleged debt. XXXX made more than one statement that can be construed as defamatory. Statements, that I consider expressed and implied threats. XXXX, on behalf of Resurgent has infringed on my legal rights. As well as attempting to use intimidation/bully tactics to force me into complying/agreeing with the narrative of Resurgent. I have attempted to get the appropriate information regarding the alleged debt directly from Resurgent. As I have stated, to date, Resurgent ( or XXXX, acting on behalf of Resurgent ) has refused to supply this information. Resurgent/Pinnacle need to be thoroughly investigated by both the Federal Trade Commission and the State of Georgia Attorney General 's office. Though, this XXXX, is only acting on behalf of Resurgent, this person needs to be held accountable for its words and actions.
Company Response:
State: GA
Zip: 30549
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX sold my account to LVNV FUNDING LLC who in return sold the account to Resurgent Capital I paid the debt in full ( receipt attached ) I requested with all companies to remove this reporting from my credit report and this has not been done XXXX XXXX is still reporting it as transferred debt not as a debt paid in full i want this removed from all credit reporting agencies as this is paid in full! Balance as paid in f ul l XXXX - XXXX -2016 I ha ve submitted request for removal and still no action was taken.
Company Response:
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a XXXX balance. Also offered to open a new account. Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom this may concern I XXXX XXXX sent a certified letter and fax to XXXX and XXXX on XXXX XXXX 2017. Th e letter was a paid for deletion to the company XXXX XXXX XXXX XXXX XXXX . Current Creditor : LVNV Funding LLC. the account was sold by XXXX XXXX XXXX . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was XXXX . I spoke with a manager at th e company LVNV and he stated it would be removed. XXXX has deleted the collection from file but XXXX has n't. Also XXXX XXXX is reporting the account inaccurate the account is paid so it looks like there are two charge-off on my credit. The only action that was taken by XXXX is the collection has a XXXX b alance when it should be deleted per the contract.
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Complaint ID XXXX . LVNV FUNDING LLC did n't provide any document with my signature. This purchase was a case of identity theft. Where was the merchandize sent to? Where is the signature of the receipt?
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The credit card company sold it off to another lender which is them. I paid the debt in full and have the confirmation. This needs to be removed
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: From XXXX XXXX XXXX XXXX XXXX XXXX I received over 28 calls from XXXX XXXX bank. This is not the first time I have received repeated harassing phone calls from them. This is the third time I have spoken with them warning them this is in violation of the FDCPA and yet they continue this illegal practice.
Company Response:
State: CO
Zip: 80004
Submitted Via: Web
Date Sent: 2017-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Resurgent Capital Services is reporting on my credit report " XXXX ''. I have contacted this company to ask them to show proof that I entered into an agreement with the original creditor XXXX XXXX Bank. After numerous attempts , Resugent Capital Services h as yet to provide any binding documents or any documents with my signature agreeing to terms. There has to be a legal binding contract which they have not produced. So how can they authenticate this account if I am asking them to authenticate this by the original agreement, or contract? They have sent statements, all computer generated with no signatures and they sent a random agreement once again with no signatures. How can they possibly hold me responsible without any legal binding documents showing the terms of our agreement? Showing I agreed and we entered into an contract?
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2017-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A