Date Received: 2017-04-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2107 I received and alert stating that LVNV funding LLC has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to XXXX on XX/XX/2017. A pay to delete letter was submitted to XXXX on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check XXXX would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. XXXX cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.XXXX cashed my check then sold this account to another collection company by the name of LVNV funding LLC
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2017-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX for the amount of {$110.00} which XXXX claims to have sold to LVNV Funding, aka Resurgent Capital Services located at XXXX , SC XXXX. I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They continue to report this on my file with XXXX who have reported this debt as being disputed, but LVNV Funding, aka Resurgent Capital Services has not updated this debt as disputed. Therefore, they have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. Any assistance that your organization can provide would be highly appreciated. Regards, XXXX
Company Response:
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I submitted a complaint against XXXX in XX/XX/2015 ( case : XXXX and XXXX ), which was resolved. Now I 've received another attempt to collect on a debt I know nothing about. I am going to send them a letter to dispute their claim and request validation of the debt they 're claiming I owe.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I am a victim of identity theft and noticed a collection from pinnacle LLC. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pinnacle LLC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: LVNV Funding , LLC bought this debt from XXXX credit card for pennies on the dollar. They in turn continue to have multiple companies contact me regarding payment. I 've asked them to validate this on several occasions but did n't get any information back until I sent a complaint through BBB. I have requested to have this account deleted as I have no contract with them but they refuse. My now deceased husband 's cousin got this card fraudulently in my name. I am not responsible for any amount owed.
Company Response:
State: CA
Zip: 95660
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have an unverified account from PINNACLE LLC. I had previously disputed this account. I have never done business with PINNACLE LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PINNACLE LLC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX which Resurgent Capital Services aka LVNV Funding, LLC claims to have verified, and that I owe them in the amount of {$110.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. They continue to report this on my credit file which I have recently disputed with all three credit bureaus. Any assistance that your organization can provide would be highly appreciated. Regards, XXXX
Company Response:
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2017-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-19
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: This account showed up on my credit report without my knowledge of this company and amount due to XXXX. This has been resolved as I have worked with credit company, XXXX. XXXX did the research and reached out to the company and was able to resolve the issue. XXXX removed this debt from my credit report. It was n't until I went to purchase a home that I found out about this debt that was resubmitted by another company again after I was told it was resolved and removed and the debt was no longer due. It is frustrating that the resolved debt is back on my credit report. I have never received any communication from XXXX or lvnv funding regarding this debt before it was resolved. Now that it is bank on my credit report I still have not had any communication on this, probably it was n't supposed to be on my credit report anyway and I did n't owe XXXX anything.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2017-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-17
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I had a delinquent debt with XXXX. My account is now with LVNV, Resurgent, XXXX- these are all it 's name. My problem is not that I owe the money. My problem is that I do not have sufficient enough information to pay the bill online. I received a letter on XX/XX/XXXX. I called today to receive another letter in the mail to confirm that they still have my account. The CSR was polite and said they would send out another letter. The problem is that the CSR gave me another number for my account ID and another account number. I was told that these were the correct numbers. I went to the website to see about making a payment and the website tells me that these numbers are not valid. The account number and account ID numbers are not correct on the letter from XX/XX/XXXX either. I do not understand how I am supposed to pay this bill, when I can not access it online. I keep receiving incorrect information. The company has reported me as of XX/XX/XXXX. My credit score has taken a serious blow. It dropped from XXXX to XXXX. I really want to fix this problem and my credit score. Please help me or direct me to someone who can.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2017-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The above company LVNV Funding , LLC they are trying to collect a debt and are not licensed nor bonded in my state according to state of Florida.
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2017-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes