Date Received: 2016-11-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately. Ive asked them for documentation i.e., documents with my signature, and validation that they can collect any debt based on this no response. Ive also disputed this with the bureaus and they reported that the debt has been verified but thats not true! Please help
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2016-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX sold my collection account to LVNV Funding. I requested validation of debt and they never responded to my request. I was being charged for charges that I did not owe.
Company Response:
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-17
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: LVNV Funding is negatively reporting on an alleged debt that is 8 years and 4 months old. LVNV bought this debt and began reporting negatively XX/XX/XXXX. XXXX and XXXX have stopped including this report but XXXX still includes the negative reports from LVNV. I made a complaint to with the CFPB ( # XXXX ) asking XXXX to stop including this report, and to provide evidence of the debt. They stated that the, " data furnisher ( sic : LVNV ) has verified the accuracy of the disputed accounts, '' and that, " On XX/XX/XXXX, the results summary was sent to of you for review. '' This summary was NOT delivered via email, nor mail. LVNV not XXXX have not validated the accuracy of the LVNV to me personally, an alleged debt bought from XXXX and first reported negatively over 8 years ago in XX/XX/XXXX. This debt, and the subsequent claim from LVNV, should thus be immediately deleted from my account.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2016-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This is not mine, I called XXXX and notified them. I never lived at the address the account was opened. I 'm sure it was one of my sons but this debt is NOT mine
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX , XXXX is attempting to collect a zombie debt. Original creditor was served a cease & desist several years ago. I want all communications from any company tied to this debt to stop. I also will require them to pay me {$24000.00} ( the amount they are trying to extort from me ) as a penalty for practicing illegal collection tactics.
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-15
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: called saying he is a court processor and has papers to serve me. If i do n't response or accept I will be prosecuted. Numerous calls to family members. Have my civil lawyer call and send a cease and desist letter
Company Response:
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-15
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I have received a loan from a XXXX XXXX in 2014 in the amount of {$23000.00}. I was only able to pay off one instalment of {$830.00}. The debt was sold to the collection agency showing the amount of {$25000.00}. This is in excess of {$2800.00} that I never borrowed. I received a letter from Resurgent Capital Service a few months ago. I responded that the amount they show I owe is incorrect. I sent them supporting documents. Today I received a second letter from them. Their letter states that I did not provide enough documentation to prove the right amount I owe. I will send them again my bank statements, but I would like to file a complaint about reporting my debt to the collection agency and showing on my credit report with an incorrectly high amount.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have an unverified account from LVNV Funding on my credit reports. I have repeatedly disputed this account with LVNV Funding and the credit bureaus. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that LVNV Funding provide verification of the following : XXXX. The original application or contract XXXX. Any and all statements allegedly related to this debt XXXX. Any and all signed receipts XXXX. Original date of default and collection activity dates XXXX. Whether you purchased the debt, and if so, the amount paid for the debt. XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I demand that the account be removed from my credit reports and that LVNV Funding cease all communication and collection activities until providing verification of this supposed debt.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I noticed a debt from XXXX wireless on my credit report last year that 's in collections. I have repeatedly disputed this debt. I have informed them over and over this is n't my debt, that I have never had services with XXXX, nor lived at the address that 's tied to the account. In fact, I have never lived outside the state of Missouri in my whole life. Every time I disputed it, they sell it to someone else. It gets removed then put right back on my credit report.
Company Response:
State: MO
Zip: 65536
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I respectfully request full investigation and based on the information I have provided I request the LVNV FUNDING LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. LVNV FUNDING LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Company Response:
State: TX
Zip: 78750
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No