Date Received: 2016-05-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX and XXXX XXXX XXXX reported individual credit card debts on my credit report for seven years. In 2014, they sold each of my accounts to LVNV Funding , LLC and they began reporting on this debt. Is this allowable. I read that a debt has a life expectancy of XXXX years, however this debt has been reported on my report for nearly 10. Furthermore, I 've disputed the debts individually through the credit reporting agencies and I never receive any correspondence, yet the debt remains. Please assist me.
Company Response:
State: TX
Zip: 77385
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-20
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: LVNV Funding LLC, has resold the same debt that I 've issued complaints to CFPB previously regarding. LVNV is not being represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. LVNV funding, nor XXXX has ever provided verification of originating debt. No signature cards have been provided and XXXX, LVNV funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate LVNV Funding and XXXX for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. LVNV funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. LVNV needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.
Company Response:
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2016-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-20
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government agencies.
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-12
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Account was settled on XXXX XXXX it was an account from XX/XX/XXXX and Lvnv reported the balance as a geliquent acct opened in XX/XX/XXXX it was reported on XXXX XXXX XXXX
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2016-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-07
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: LVNV Funding LLC sent me papers with a Writ of Garnishment. They attached court papers with XXXX XXXX XXXX, XXXX as the plaintiffs from 2010. I do n't owe any of these companies and was never served any court papers. I do n't make a lot of money and barely make ends meet with my bills. I take care of my retired XXXX year old mother. Garnishing XXXX % of my paycheck will break me. I would be grateful if you guys can get these people to stop harassing me. Thank you!
Company Response:
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2016-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-05
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I owed {$1600.00} to XXXX XXXX Bank Credit Card but medical expenses probated payments. My wife, XXXX, is XXXX. We XXXX live on XXXX only. XXXX XXXX Bank sold the debt to a law breaking junk debt collector LVNV Funding , LLC. Their attorney, XXXX XXXX XXXX XXXX, harassed us with calls all hours of the day. Their bill collector went to neighbors misrepresenting themselves as the police and disclosing we owed money and we were XXXX. The law firm sued us and won a default judgment for {$2300.00} on XXXX/XXXX/2016 ( attached docs ). We wrote them on XXXX/XXXX/2016 telling the attorney to cease all collection harassment ( attached docs ). They continued to tape legal work to our front door after our cease and desist letter. In speaking to the law firm they were aware that our income was from XXXX only but the attorney threatened to illegally garnish our checking account on XXXX/XXXX/2016 ( attached docs ). We filed bankruptcy on XXXX/XXXX/2016 but to date the attorney has not removed the collection activity from our credit report. LVNV Funding LLC and XXXX XXXX XXXX XXXX have violated the FDCPA laws and should be held accountable for their law breaking activities..
Company Response:
State: AZ
Zip: 85375
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-04
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I had a XXXX credit card I closed the account when I lost my job but come to find out they never closed or contact me about it just kept it open I had no knowledge of this and then sent to a third party debt collection without me even knowing
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2016-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-03
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: There is an account which I requested validation on and have not received. Please help
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-30
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2016-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes