Date Received: 2016-11-11
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: I have recently been informed that there is negative information reported by XXXX XXXX XXXX ( original ) and LVNV Funding , LLC ( collecting agency ) in the file showing under my Social Security number at the XXXX Credit Bureaus.. Upon ordering a copy of my credit report, I see an entry from XXXX " my account was charged off '' and entry from LVNV Funding , LLC " I owe {$590.00} ''. These are XXXX different entries in my credit report about the same account. I am unaware of " owing {$590.00} or having a charge off '' with these companies. I tried to contact them with no result at all. XXXX XXXX XXXX sent me a letter, they no longer own this account, it was transferred to LVNV Funding ( Letter is attached ). LVNV Funding do n't have enough information about my case. ( Letter attached ). No one send me any validation of this account.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2016-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account is very old and the company is not responding to me reaching out. I need this account resolved and removed from my credit. Please help.
Company Response:
State: CA
Zip: 95363
Submitted Via: Web
Date Sent: 2016-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Company is not working with me. They are not responding back. I need this account resolved and removed from my credit.
Company Response:
State: CA
Zip: 95363
Submitted Via: Web
Date Sent: 2016-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-04
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have repeatedly requested that LVNV Funding Llc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Not enough information of validation of debt. I contacted LVNV FUNDING LLC through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$1000.00} }, however I do not owe this debt and know nothing of it. LVNV FUNDING LLC appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2016-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-04
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named LNV Funding had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who LVNV Funding is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our lord XXXX, thirteen years later, I am now being harassed by XXXX XXXX XXXX, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, XXXX XXXX XXXX is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.
Company Response:
State: WA
Zip: 98177
Submitted Via: Web
Date Sent: 2016-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX XXXX, XXXX XXXX XXXX obtained a mortgage for the property located at XXXX XXXX XXXX XXXX New Jersey XXXX with XXXX XXXX XXXX as the servicer. On XXXX XXXX XXXX XXXX XXXX XXXX joined as tenant owner of XXXX XXXX XXXX XXXX New Jersey and a new deed was recorded and filed. On XXXX XXXX the loan was transferred to XXXX. On XXXX XXXX, XXXX XXXX XXXX made a private payment to XXXX. Shortly thereafter the loan was satisfied and a lien release letter was sent to XXXX XXXX XXXX XXXX XXXX New Jersey to vacate the mortgage and the mortgage was discharged on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX were served with a complaint from XXXX. and XXXX XXXX XXXX. on behalf of XXXX and XXXX XXXX firm representing Resurgent Capital who is a third party debt collector and not a mortgage servicer. Resurgent Capital Services is a collection agency who buys portfolios of old debt from banks for pennies on the dollar and tries to collect the full amount from consumers, plus interest, penalties, late fees, etc. According to Resurgent it is a manager and services domestic and international consumer debt portfolios for credit grantors and debt buyers. This complaint contained erroneous information. Resurgent Capital Services is a violator of the Federal Debt Collection laws as the Fair Debt Collection Practices Act ( FDCPA ) states it precludes third party debt collectors from using false, misleading, deceptive, and harassing debt collection tactics. To Resurgent, XXXX XXXX XXXX is data, no more than an entry on the spreadsheet. Unfortunately for Resurgent Capital Services entries on a spreadsheet are not enough to file a claim against XXXX XXXX XXXX and XXXX.This complaint stated that XXXX XXXX failed to pay Resugent Capital but XXXX XXXX has never done business with Resurgent Capital. The complaint also states mortgage was transferred from XXXX to Resurgent to service this loan. Again this information is false and XXXX XXXX has evidence that this loan was never serviced or transferred to Resurgent Capital. Resurgent Capital is not and has never been assigned to service the mortgage of XXXX XXXX XXXX XXXX New Jersey. The complaint also states XXXX XXXX never made any mortgage payments prior to paying the mortgage in full and Resurgent Capital request the original mortgage amount be reinstated and did not take in account any and all payments that were made by XXXX XXXX XXXX. Again this information is false. Resurgent Capital must meet the burden of proof based on " Personal Knowledge ''. Personal knowledge means that the person offering evidence on behalf of Resurgent Capital Services must be a witness to the event shown in the complaint. On XXXX XXXX, XXXX the motion submitted by XXXX and XXXX law firm asking the Judge for a summary judgment to cancel the vacate of lien release for property XXXX XXXX XXXX XXXX NJ XXXX for XXXX XXXX and XXXX XXXX, was dismissed by Judge XXXX pursuant to Rule XXXX ( Counsel does not have personal knowledge of these facts which were in the complaint and the certification was not sufficient ). This complaint was written in fraud and the attorneys were aware of this. As attorneys representing Resurgent Capital, they had a duty to investigate the claims brought forth in this complaint. Once they were aware of the fraud perpetrated by Resurgent the attorneys had an obligation to withdraw this complaint and they failed to withdraw.These attorneys made statements such as, " XXXX failed to make payments on the mortgage loan but rather submit counterfeit money order to XXXX ''. The statement is false. These attorneys also make mention of XXXX being in the XXXX XXXX,
Company Response:
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2016-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-03
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: that this company has continual put this debt on my credit report witch i do not owe them that they have reported wrong dates and information that it is out of date and i have no debt with them
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I sent a debt validation letter to this company on XXXX because I 've never received any communication prior to them listed this account on my credit report. As of today they verified this account with all three bureaus but still no communication or proof of this debt. There 's a few pieces of information that is. It matchkng up even beteeem the XXXX bureaus the information does n't match nor does the amount they are trying to collect on. I am being the responsible one here and this company is not cooperating. I have proof of my certified letters as well. This accountn eds tone deleted as soon as possible based on a FCRA violation.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2016-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I sent LVNV a certified letter on XX/XX/2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XX/XX/2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2016-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes