Date Received: 2016-09-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted XXXX XXXX back in 2008 when I worked for them in sales and also had a cell phone account with them because that was the clause when working for them, you had to have there service. At that time I had a discount on my bill for the number of years that I had it, but once I left the company I changed cell phone providers, thus I chose to move to a different cell phone carrier. So I paid my final bill and went to another cell phone provider. Now years later XXXX is stating that I owe them money when In fact I do not! They have been in many lawsuits for overcharging and over billing people and now they 're trying to overcharge and charge me for service which I have not had for over 4-5 years! I do not owe them any money nor have they ever contacted me or tried to send me anything saying I told them. When I did contact them to ask where is this bill coming from? They could not confirm any Bill to such an amount of {$1300.00} that they are stating on my credit report. I 'd like this item removed from my credit report as quickly as possible. Thank you in advance for your help.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: LVNV is reporting a collection for {$3700.00} for a XXXX ( orig creditor ). I never had an account with XXXX for that amount of money. In 2014 LVNV attempted to take me to court. I hired an attorney to assist. Attorney requested validation and they withdrew their case without prejudice. The SOL on this alleged debt has been well exceeded. I have over the last several month via certified mail with signature confirmations I have requested validation from them to get this removed from my reporting but I have been unsuccessful. They have never replied to my requests but they continue to report this past due balance. I have not received any mailings at all from them. Please help me. I need to refinance my mortgage and this is clearly a problem for me.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2016-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV IS REPORTING A COLLECTION TO MY CREDIT REPORT FOR THE PAID OFF CREDIT CARD.. MY NUMEROUS ATTEMPTS TO REACH THEM TO REQUEST THE VALIDATION OF THIS ACCOUNT OR DELETION WENT IGNORED AND THIS IS STILL DAMAGING MY CREDIT. PLEASE HELP AND REMOVE THIS FROM MY CREDIT REPORT IMMMEDIATELY
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2016-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am disputing the referenced account on my credit report, highlighted in yellow attached. I am a US Veteran and my wife and I are in the process of purchasing a home. My wife is XXXX and we need a home to bring our son home to, I am trying to utilize the VA Loan and I paid off a debt to LNVN Funding , LLC, proof attached, in an effort to bring my credit score up to the required XXXX. I was instructed by the company to contact your establishment to assist me in removing the debt from my credit report in an effort to raise my credit score. I have attached proof that the debt was settled and paid in full with no further obligations from me.
Company Response:
State: FL
Zip: 32504
Submitted Via: Web
Date Sent: 2016-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Delinquent account
Subissue:
Consumer Complaint: My company, XXXX, had a XXXX card with XXXX bank in XX/XX/XXXX to XX/XX/XXXX. As a result of the financial crises of XX/XX/XXXX/XX/XX/XXXX the company failed and filed XXXX XXXX Bankruptcy in XX/XX/XXXX. This debt was included, and XXXX, as part of the Bankruptcy. XXXX sold off this account to XXXX in XX/XX/XXXX and they were told by myself that this was a corporate, not personal, debt which had been XXXX in Bankruptcy. They, meaning XXXX XXXX, agreed to remove the debt from my personal credit ; which they did. It is now more than 5 years later and all of a sudden it has appeared on my personal credit once again. The first time it was an inadvertent error which they corrected after I filed formal complaints against them with the CFPB and Attorney Generals Office of New Mexico where I was living at the time. However, this time it feels as though it is malicious in nature and nothing more than extortion. They are trying to collect on a XXXX debt that they have been formally advised was disputed more than 5 years after the fact. This is harassment and a violation of my rights as a consumer and also a violation of THE FAIR DEBT ACT. Please help me resolve this matter once more and advise of my rights to seek damages against an out of control collection agency.
Company Response:
State: AL
Zip: 36609
Submitted Via: Web
Date Sent: 2016-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-19
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: There is a company by the name of LVNV FUNDING, that has stated they returned the debt back to the original owner of the alleged debt, however ; the information they are reporting to the credit agencies is reflecting different information. I have tried contacting them and have used a letter that is available via the CFPB website to contact a creditor and ask them to provide validate the alleged debt. Well, they have indicated to the CFPB that they are no longer seeking this debt, yet their actions are indicating other wise and are continuing to damage my credit.
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-19
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Consumer Complaint: This debit was removed by the original credit grantor. LVNV began reporting the debt with a false recent date. Contacting the company did not resolve the issue.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2016-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Duplicate reporting of account and history by original creditor : XXXX XXXX XXXX and collection agency, original limit {$300.00}, did n't go over limit, collection agency showing now owe {$660.00} and orginal high was {$590.00}. XXXX XXXX XXXX shows c/o, w/o & sold on XX/XX/XXXX, but listed under negative accounts as closed and collection accounts, with history thru 2016.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-16
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: -Note : Original creditor was XXXX. Account owner is LVNV funding. Account servicer is Resurgent. -There is a lien on my car and I do not believe applied for a " title loan '' with CitiFinancial ( the original creditor ), I believe I took out an " unsecured loan ''. My credit report says " unsecured loan '' which was " renewed or refinanced '' See my credit report on attachment # XXXX -I have contacted Resurgent Capital Services ( the servicer ) and I asked for a copy of the loan agreement showing I applied for a " title '' loan, but they can not provide one to me. See their loan statement, page # XXXX. - After numerous letters to XXXX and Resurgent, asking for a copy the loan agreement or asking them to release title, my registration still shows XXXX as lienholder. See page # XXXX. -The car is now non-operational and needs to be donated or scrapped. See CA DMV XXXX filing on page # XXXX. -I can not donate or scrap the car because it has their lien on it. -I have no place to store the car. -I am paying for car insurance.
Company Response:
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2016-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX which is XXXX of those credit bureau is practicing unethical business example. They have also failed to provide copies of form of ID used for opening such service from this so-called shady collection agency. I Sent out debt verification request ( XXXX, {$530.00}, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ) to the shady collection agency " XXXX XXXX XXXX XXXX They have failed to provide such proof within the 30 days of timeframe, then again, it makes seem like this wrong charge has been sold out by another shady branch of theirs collection agency called ( " RESURGENT CAP '' XXXX XXXX XXXX # XXXX, XXXX XXXX SC XXXX ( XXXX ) XXXX ) Both Transunion and those bogus and shady collection agency have failed to provide debt verification and keep posting wrong charge information on my credit report
Company Response:
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2016-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No