Date Received: 2017-04-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX XXXX , I received a collection letter from a Resurgent Capital Services saying I owed them {$900.00} that was purchased from XXXX XXXX XXXX . It also stated on this letter that they would make an entry to my credit report, which would have detrimental affects on my credit. On XXXX XXXX XXXX , I sent them a letter stating I was not aware of having any account with their organization or with XXXX XXXX . I asked specific questions of the company in this letter, namely, for account statements and signature cards proving I was in ownership of said account. On XXXX XXXX XXXX , the company sent me a letter stating that they purchased this account from XXXX XXXX and I owed them {$900.00}. They did not include any of the requested information, as there were no account statements or signature cards attached, In addition, I asked for a copy of the bill of sale and individual names and addresses of staff at XXXX XXXX they were dealing with who sold them this alleged debt, none of which were provided to me. On XXXX XXXX XXXX , an entry was made to my credit report under the title LLV Funding listed as a collection account. The entry was listed as disputed and verified under the FCRA. On XXXX XXXX XXXX , this company sent me another letter saying that they were resuming collection activity on my account and I should contact them for payment. On two occasions, I attempted to contact this company to ask questions about this alleged debt, however I was told that they would not provide me account information, since there was a cease and desist on the account.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX XXXX while trying to refinance my home, i found a lots of credit inquires i did not initiate, including a XXXX XXXX CC i did not apply for. I Filed with XXXX XXXX XXXX and completed the process ultimately freezing my credit. I had multiply accounts removed from my credit and thought i was done. One of the accounts removed from my credit by XXXX was from XXXX funding who i assume once it was removed from my credit sold it to XXXX XXXX bank. i then disputed the information again with XXXX XXXX bank and received no response from them. And now a new company called Resurgent capital Services is try to take over the already deleted debt, sending me threatening letters and providing vague information in letters saying it is the information i requested. I specifically requested information regarding the bank account information they supposedly sent the funds to, because i received no such funds, in addition i have never lived at the address they have listed in association with my name. I have filed police reports and they are included in these reports. I am requesting the CFPB take action against this company because now they are sending letters stating i have not provided enough information to " support your claim '' of fraudulent charges. i am very concerned because now they are sending forms to fill out requesting all of my information ( id. drivers lic number address, SS number, past addresses, DOB, Police reports, ETC. ) which given the lack of information they seem to posses now feels like even more of an infringement of my privacy. Please advise. Thank You.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against LVNV FUDNING for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On XXXX / XXXX / XXXX I filed a complaint with the CFPB in regards to this item/account being reported on my credit report. The case number is XXXX . The collection agency LVNV replied stating that " we are unable to locate an account under the name of XXXX XXXX with the information provided ''. All of the relevant information was provided. My first and last name, my mailing address, original dispute mailed to company as attachments, truncated account number ( XXXX ) provided on credit report and full ssn number. As of XXXX / XXXX / XXXX this item/account is still present on my credit file, last reported on XXXX / XXXX / XXXX according to credit report.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I am making a dispute agains t Pinnacle, LLC in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the XXXX XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports ( XXXX XXXX XXXX XXXX ). T his action constitute fraud under both Federal and State Laws. Also the stature of limitation are up on this debt and is no longer collectable
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I received a letter from XXXX XXXX XXXX on X/X/XXXX cl aiming they are collecting a debt in the amount of {$460.00} from an account in my name from XXXX XXXX . I do not owe this, so I contacted XXXX XXXX XXXX immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on X/XX/XXXX and filed a complaint about this issue. XXXX XXXX XXXX responded to me through online portal for CFPB on X/XX/XXXX stating that they would stop all contact and collections until they had sent me validation. 35 days have past I never received validity of this claim. However, XXXX XXXX XXXX has reported on my credit file under the name XXXX XXXX XXXX and also under the name LVNV Funding LLC as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a XXXX digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me twice with their claim. They claim an account number ending in XXXX is an account they own and are collecting from me, but after 35 days has not given me any validation to this claim.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: I am constantly being bothered and harassed by a company called XXXX XXXX !!!! The guy named XXXX called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job. After that I have received calls on my cell phone and I receive at least two emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before XXXX XXXX . I have received 36 emails from the following individuals below just in the month of XXXX and today is only the XXXX !!! I have received emails from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also said they are c alled LVNV Funding
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have continued to request for verification and validation of the alleged debt but to no avail. This debt is not mine. I do not owe the amount requested and they continue to switch collection agencies and therefore making it impossible to get the validation. They filed a bogus item on my credit files
Company Response:
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Since XX/XX/XXXX I have been asking LVNV Funding to provide proof that this is my debt as I have no knowledge of this alleged debt. I have attached letters dating back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To date they have refused to respond or provided any proof that this is my debt. My understanding is that if they fail to provide adequate proof, they must remove the reporting on my credit report ( see attachment. ) Additionally, this item goes back to XX/XX/XXXX which means that Statute of Limitation in Florida ( 4 years for a credit card debt ) which means that the debt is also uncollectible and should be removed as it is violation of FCRA to attempt to collect a debt which is known to be uncollectible.
Company Response:
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: LVNV has added a collection to my credit report that is not mine. I have not had a late payment on any account since XX/XX/2010 so there is no account that would be reporting late. This is a debt for over 3k that is not mine and I need deleted ASAP as I am trying to buy a house and I have zero late payments on my credit
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2017-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No