Date Received: 2016-10-02
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: received a letter from courts that I am being sued XXXX XXXX XXXX represents lvnv funding llc as successor in interest to XXXX would have been nice to know it was charged off then sold but straight to court we go
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-01
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: Someone opened a credit card with XXXX.This was not my doing account went into collections and now LVNV funding llc is trying to collect this debt. Please remove this debt from my credit report it is effecting me dramatically.
Company Response:
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-30
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: LVNV COLLECTIONS IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND XXXX HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT
Company Response:
State: CA
Zip: 95116
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-01
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This company has violated state laws and disregarded my rights I 've tried to resolve this issue. With this company i get cursed out hang up on multiple times for what reason i do n't know creditors has sold this debt over an over again iam tired of seeing my credit score drop up and down because of this bogus company
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2016-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I, XXXX XXXX makes a claim against XXXX XXXX XXXX, XXXX. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is LVNV Funding LLC . This debt buyer has been riddled with deceptive collection practices and sued by Attorney General offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector XXXX XXXX XXXX , XXXX, as well as from LVNV Funding LLC . It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The Attorney General of the state of New York had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Resurgent Capital recently reported a debt for {$2000.00} on my credit report. I never received notice from them about this debt before it appeared on my credit report, so I was shocked to find it there. I immediately contacted their office, and requested information about where this debt originated, and itemized detail of the charges, and explanation for why it was reported on my credit report prior to me having an opportunity to answer to the charges. Nearly two months have passed since I made this request, and I have received no response from Resurgent Capital. Nevertheless, they continue to report it on my credit report.
Company Response:
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Collection agency sent a payment offer. Debt was two times paid via restrictively endorsed letter. Collection company has many other companies and re-lists debt via a subsidiary company. I have tirelessly requested validation of debt with collection agency and disputed this item XXXX to no avail.
Company Response:
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Stating on my credit report that I " Remarks : & gt ; SETTLED-LESS THAN FULL XXXX & lt ; ; & gt ; PAID COLLECTION & lt ; '' I have never paid this company a dime of my hard earned money for a account that is not mine.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) state in a letter to me that they would " verify the charges I was disputing and select a final course of action. '' At that time, my balance owing was {$270.00}, with the " amount due balance of {$170.00}. '' XXXX XXXX had taken over as XXXX 's credit card provider, from XXXX on Acct. XXXX. On their XX/XX/XXXX to XX/XX/XXXX statement, I owed {$140.00}. XXXX did not inform me in writing that they were taking over servicing all XXXX accounts and I immediately cancelled my XXXX XXXX card! XXXX XXXX never showed this account as cancelled, continued to charge monthly interest on it, despite my numerous attempts to contact them, both in writing and by phone, until my fake " balance was {$350.00} and had been sold to a company called LVNV Funding of Nevada, whose lies claim I began this account on XXXX XXXX, XXXX. This account has remained on my credit report with the XXXX preposterously unregulated " Reporting Agencies '' to this day, forcing me to miss receiving a loan from XXXX XXXX, a company with whom I had an exceptional relationship, but due to this one payment I do not owe to LVNV Funding, I was forced to get my auto loan at a much higher rate than the " XXXX '' rate XXXX XXXX offered and have been denied credit numerous times since. I am currently XXXX years old, collect Social Security of $ XXXX/month and can ill afford to pay more for basics such as decent transportation AND my good name restored, without relying on expensive Credit Consulting Services. Please insist that these lying creeps at LVNV Funding ( who also launched a daily collection call campaign against me in XX/XX/XXXX, close this account, as requested in XX/XX/XXXX, before it was " sold '' to phantom collection agencies and took on a new life, all derogatory to me. Only your organization can help, since this company is expert at contorting the truth, fears no legal measures to cease and desist their fraud and can only ( finally ) be muzzled by you! Thank you.
Company Response:
State: CA
Zip: 94503
Submitted Via: Web
Date Sent: 2016-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-26
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: I get a letter in the mail from my jobs HR dept. telling me that wages are going to be garnished, and I was like what!!! I never got any notices in the mail stating that I was going to be sued or anything. I do n't even remember this debtime of credit card. I have had fraudulent activity on my credit score and stuff. So, they do n't even give me a chance to call or anything they hit me with the judgement and started to garnish my wages! I never signed for a judgement, never got notified of any at that, and they send me a paper saying the debt is {$600.00} and they are garnishing my wages for {$2800.00}!! This is sick! XXXX, new financial services, and resurgent are considered and thieves. They make their own judgement without properly letting the person know, or anything. I do n't make much money and this has crippled me! I call and they do n't care. This is False practice and very wrong and illegal.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes