Date Received: 2016-10-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I sent XXXX a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company responded by writing that the loan had been transferred to another company. They did not provide proof of debt ( signature or otherwise and kept reporting on my credit reports. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 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
Date Received: 2016-10-24
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: Recently I have been given a judgement summons to have my paychecks garnished by unknown collection agency called LVNV Funding LLC . Represented by XXXX XXXX XXXX XXXX lawfirm. This lawfirm does n't even have an address besides a XXXX XXXX . When calling it goes straight to voicemail. They seem a bit shady should n't a lawfirm have an address to consult with?? My employer called me on XXXX XXXX, 2016 at around XXXX notifying me of this judgement summons. I was unaware of this suit and have never received any summons to appear in any court. I have XXXX kids, my girlfriend, and her father living with me. I can not afford to have my check garnished in any way. I have also recently checked my credit report with ( XXXX ) and ( XXXX ) along with my XXXX score XXXX of XXXX reports were over ( XXXX ) and nothing about owing anything to LVNV Funding LLC . I will be unable to take care of my family if this action is taken against me. I have also consulted legal consul as well. My employer has helped me draw up a letter to submit to the lawfirm in question, my legal council told me it would be fine. I will also will be sending it to you the CFPB / Federal Trade Comission
Company Response:
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2016-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have made repeated attempts via phone and in writing to contact Resurgent Capital Services regarding a lien they have on my residential property. They apparently have purchased the debt from XXXX, but will not disclose any information regarding the debt, like how much I owe, a promissory note, or loan documents. They tell me my account is 'on hold ' when I contact them, I am locked out of the website they recommend I use to get information, and will not discuss this over the phone because it 's 'on hold '. I 'm trying to refinance my mortgage and this lien is preventing me from obtaining the loan. At this point, Resurgent 's lack of response is affecting my personal livelihood and ability to continue to run my business. I am willing to negotiate with Resurgent, but they will not respond or discuss. Either I need to understand the terms behind the lien, or the lien needs to be released immediately to resolve this issue I 'm being held hostage by.
Company Response:
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2016-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have contacted XXXX XXXX by phone several times and they will not speak to you. I have sent 2 certified letters to XXXX and they will not respond or provide proof. they have now assigned the account to XXXX different collection agencies. Each agency finds the debt is NOT mine and returns to XXXX. XXXX claims I owe XXXX {$1000.00}. They placed on my credit report on XX/XX/XXXX. They, XXXX, or there debt collecting representitives can not and will not provide me with proof of debt owed. Amazingly enough, I have been on contract with XXXX since XX/XX/XXXX and currently still am. XXXX or any other company would not enter into another contract If you owe money to them. The XXXX credit agencies keep removing XXXX from my credit report and XXXX keeps putting it back on. This has been going on for about 9 months. This must stop. Provide proof or remove from credit and keep it off
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2016-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-16
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: LVNV never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2016-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-14
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: re-aging a debt so it remains in my credit file
Company Response:
State: TX
Zip: 75501
Submitted Via: Web
Date Sent: 2016-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-14
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: LVNV LLC is reporting on my credit report that I owe their company {$640.00} dollars. I have submitted in writing asking them to send me any signed documentation by me that I owe this balance and for what. LVNV has not responded to my request for the signed documentation but continues to report this on my credit report.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2016-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent Capital Services is representing LVNV Funding LLC, or as the " servicer '' of a alleged debt that was supposedly purchased by LVNV Funding , LLC. Resurgent Capital also retained the services of a third party to collect on this fraudulent debt. Resurgent and their third party servicer have been notified in writing that this is not a valid debt. This written notification was sent via USPS certified mail. Resurgent has accessed my credit files and reported a collection on behalf of LVNV Funding LLC . Resurgent claims to be in compliance with the Fair Debt Reporting Act, however they have violated many of the rules, regulations and/or laws associated with the " FDRC. '' Additionally this company has also violated portions of the Fair Debt Collection Practices Act. A representative with this company 's complaint department, XXXX XXXX, has made statements that imply that there are XXXX separate laws, XXXX set which applies to me as a consumer and a different set of laws that apply to him/her and the company s/he represents. This person also claims that I issued a cease and desist, which is a bald faced lie. In fact, what I did say was that all communication would be documented and any/all phones calls would be recorded. I also stated that I would not show the smallest amount of common courtesy or respect to any person associated with this company. I have been subjected to defamation, discrimination, implied threats, etc. According to this XXXX XXXX, s/he conducted an investigation and could find no evidence of any type of mishandling that I had claimed to have occurred. That was of no surprise. The representatives of the company have a proven track record of being less than honest. Also according to this individual, upon the purchase of this alleged debt by LVNV Funding, all rights to the account were transferred with the purchase of this account. Which gives them certain rights pertaining to the collection of the debt. Also according to this individual LVNV Funding has confirmed this account. If all rights were transferred to this company, this company needs to comply with ALL rules, regulations and LAWS. Which again, they have implied that they and their third party servicer can legally circumvent certain laws. I have stated I would gladly meet any one of these people in a court of law. I went as far as to furnish the jurisdiction which would hear this case. It should also be noted that I have in fact used several " foul '' words in my written communication with this company. I am sick and tired of these people threatening or issuing implied threats. I am sick of the defamation and discrimination that I have been subjected to by these individuals and their third party servicer. I am fully aware that this company and LVNV Funding LLC . are subsidiaries of the Sherman Financial Group. This companies operate under numerous names, in an attempt to hide and not have to answer for their fraudulent and illegal activity.
Company Response:
State: GA
Zip: 30549
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I disputed the collections that LVNV Funding LLC had reported on my credit report. As a result they were removed by LVNV, but less than 48 hours after they were removed from my credit report, LVNV placed them back on my credit report. LVNV reported this as NEW Collections. It is not new collections it is the same that was placed on my credit report before.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-01
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have not been given credit for the payments I have made since XX/XX/2015. It appears more has been added to the report. I do not have a contract with LVNV and will be filing a counter suit in XXXX if they do not remove the derogatory remarks. I have not missed a payment and I assured them I would pay XXXX through correspondence. They refuse to correct the report. They bought the loan from XXXX who I am unable to co tact. I have disputed this previously,. To date I have paid {$920.00} and have proof through bill pay from my bank.
Company Response:
State: MN
Zip: 55419
Submitted Via: Web
Date Sent: 2016-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No