Date Received: 2017-02-06
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This collection agency company LVNV Funding LLC has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe {$350.00} to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company LVNV Funding. Do n't matter the original creditor have the same account number as the collection agency, XXXX account that XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under to different companies on my credit report which neither provided proof of documentations bearing my signature associate with the account number under my social security number. If no signed documentation bearing my signature stating that I owe {$350.00} then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it does n't prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report.A person or persons should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court in my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for {$5000.00} in damages 1 ) defamation 2 XXXX negligent enablement of identity fraud 3 ) violation of the FCRA.
Company Response:
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2017-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-06
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I have this debt that i do n't recognize and may be illegal.
Company Response:
State: PR
Zip: 00617
Submitted Via: Web
Date Sent: 2017-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-05
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: I have provided Identity theft Report, disputed.this debt as such with the original creditor, advised XXXX that I DID NOT open this account. There have been other creditors that I have notified and had this issue resolved. LVNV has purchased this debt, and I have submitted to XXXX XXXX XXXX a validation of debt and a copy of the Police report which I am not sure if they have received. I will be filing an Attorney General, FTC complaint against XXXX, LVNV, and XXXX XXXX if this is not resolved. This is the only headache that I have endured after I started to receive collection calls and then check by credit bureau report.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-03
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: This company has been harassing me, violating the FDCPA laws and when called them out on it they became combative and very unprofessional. This company placed an credit account on my credit which I have no acknowledgement of. The last name on the account is XXXX which I 've told them before is n't my last name. I 've never been married I 've provided documents showing proof and still they wo n't remove off of my credit. My last name is XXXX and never been XXXX.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-04
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: i have no recollection of this debt and i reach out to the company for verification of this debt which they could not proved
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2017-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: I am not sure that this company is legit. I have been trying to contact someone for over a month to discuss an LVNV Funding account that is reporting on my file. I have not received any call back despite leaving XXXX voicemails and speaking with many representatives that continue to tell me that there is no direct line to whom I need to contact. I am a bit leary on this account. I want this account DELETED or be able to pay this account off!
Company Response:
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-29
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have made every possible attempt to contact this collection agency ( operating under the name LVNV ) to validate an alleged debt. After not receiving a Dunning letter when they supposedly acquired the debt, I sent multiple letters attempting to validate the debt by requesting such information as verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, a copy of the written agreement that created my original requirement to pay ; A copy of the last billing statement sent to me by the original creditor. If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. Identify the date and amount of the last payment made on this account. Additionally I believe LVNV Funding violated the Massachusetts debt collector licensing statute by engaging in debt collection without first obtaining a license from the Massachusetts Division of Banks, as required under Massachusetts General Laws chapter 93, section 24A.. Does the firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. The letter I sent requesting this information was returned to me. I have also filed multiple disputes with the major credit reporting agencies XXXX, XXXX and XXXX ... each time the information sent in response to my attempted correspondence has been vague, tacit, ambiguous, unclear and i believe deliberately unspecific to avoid the requested details and information requested to validate this debt and their legal right to collect debts in this state. For these reasons they very much appear to be not only reporting an unverified debt to the credit reporting agencies ... .but in addition to that, they are possibly engaging in illegal collection activities without being properly licensed from the Massachusetts Division of Banks, as required under Massachusetts General Laws chapter 93, section 24A to collect debts from residents in this stat. I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. As a residence of Massachusetts I find the response and attatched documents to my request of debt verification to be insufficient in accordance with the state of Massachusetts debt collection regulations statute, - 209 CMR 18.00 Conduct of the Business of Debt Collectors and Loan Servicers, specifically 209 CMR 18.18 regarding Debt Validatoion. XXXX The following documentation is required by the State of Massachusetts Required to Validate a Debt per 209 CMR 18.18 : XXXX A debt collector shall provide to a consumer or any attorney for a consumer within five business days the following : ( a ) All papers or copies of papers and electronic records, in the possession of the debt collector which bear the signature of the consumer and which concern the debt being collected ; and ( b ) A ledger, account card, or similar record in the possession of a debt collector, whether paper or electronic,
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2017-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-26
Issue: Improper contact or sharing of info
Subissue: Contacted me instead of my attorney
Consumer Complaint: I have received a letter from the XXXX XXXX XXXX XXXX. They have sent this letter for a company named LVNV funding concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form XXXX XXXX XXXX XXXX. With that being the case any statutes of limitation has run it 's course. LVNV Funding has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. LVNV Funding is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, XXXX XXXX XXXX XXXX does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2017-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This debt is not mine. I 've been disputing this since it was with XXXX in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2017-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-24
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I 've never received information regarding the debt nothing validating stating it belongs to me yet signed off on this liability.
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2017-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No