Date Received: 2016-04-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from LVNV after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested LNVN to provide details on how the alleged amount of {$1000.00} was calculated, LVNV has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, 2010 U.S. Dist. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2016-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-19
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I SPOKE WITH A XXXX XXXX XXXX IN THE COMPLIANCE DEPARTMENT ON XXXX/XXXX/16 AT LVNV FUNDING ABOUT OTHER DEBTS THAT THEY MAY HOLD PERTAINING TO ME. HE CONNECTED ME WITH THE LVNV FUNDING CUSTOMER SERVICE DEPARTMENT. THEY WHERE VARY HARD TO WORK WITH IN GETTING THE NEEDED INFORMATION TO CLEAR UP ANY AND ALL DEBTS THAT THEY MAY HOLD OF MINE. AFTER SPEAKING WITH XXXX SUPERVISORS, BEING HUNG UP ON, AS WELL AS SPEAKING WITH XXXX MORE REPRESENTATIVES I FINALLY GOT THE NEEDED INFORMATION. THE FIRST CREDITOR LISTED THEY NEVER DID GIVE ME THE NAME OF, AND REFUSED TO MAIL ME ANYTHING TO SHOW THE DEBT WAS OR IS ACTUALLY MINE. ACCOUNT # XXXX AND REFERENCE # XXXX. THE SECOND ACCOUNT XXXX ACCOUNT NUMBER XXXX REFERENCE # XXXX THEY REFUSED TO SEND ANYTHING THROUGH CUSTOMER SERVICE ON THAT ACCOUNT AS WELL. I 'M ON SSI AND HAVE BEEN FOR MANY YEARS, AND AM NOT SURE WHICH OF THESE ACCOUNTS WHERE MINE OR ARE MINE. AS WITH THE OTHER ACCOUNTS LVNV FUNDING HAVE DONE. THESE XXXX ACCOUNTS SHOULD BE CLOSED DUE TO HARDSHIP AS I HAVE XXXX TO XXXX XXXX A WEEK AN AM ON XXXX AS I STATED EARLIER IN THIS COMPLAINT.
Company Response:
State: TN
Zip: 37110
Submitted Via: Web
Date Sent: 2016-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received a letter from this company demanding payment for a debt that I do not owe them. To my knowledge I have never entered into a legal binding contract with this company and they have never provided me with any good or services. I believe them to be nothing more than a debt buyer
Company Response:
State: FL
Zip: 32025
Submitted Via: Web
Date Sent: 2016-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-11
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I received a phone call from XXXX XXXX XXXX this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for LVNV funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2016-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: this a debt that my ex husband has done and am not paying for it .my ex-husband has used my name to get a credit card in my name without my permission and am paying for a debit that is not mine we have been divoceced since 2001 and I have no contact with him .and iam sick and treid of getting this bills that are not mine I do n't even have a credit card because of him.
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2016-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was paid to the original debtor. Apparently this company purchased the debt and continues to try to collect on it. We have disputed through all three credit agencies and now the company refuses to remove the dispute comments. This was handled by our attorney and was dismissed by the judge. Please see court case information below. The company could not provided validation of the debt in court and it was agreed to be dismissed. XXXX - LVNV FUNDING LLC V XXXX XXXX ( E-CASE ) XXXX/XXXX/2013 Dismissed by Parties PLAINTIFF 'S ATTY FILES DISMISSAL WITHOUT PREJUDICE AT PLAINTIFF 'S COSTS. CASE DISMISSED -- -COURT DATE CANCELLED. /NB Filed By : XXXX XXXX XXXX XXXX Behalf Of : LVNV FUNDING LLC
Company Response:
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2016-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Pulled credit report. Found a suspicious entry on my credit report for a LVNV Funding LLC . After writting the collection company and LVNV Funding LLC informing them that I 've never heard of them ; never used any products or services from them -- they refused to removed the information from my credit report. I do n't even know who LVNV Fudning, LLC is nonetheless used a product from a bank called : " XXXX XXXX ''.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2016-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-04
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: LVNV FUNDING LLC allegedly bought an account in XX/XX/XXXX from XXXX XXXX, XXXX. This account was first noticed on a credit report XXXX XXXX. I paid XXXX final bill after we moved from the service location. Once we found out about the alleged debt, I contacted XXXX. They told me that they sell their debts to LVNV FUNDING , LLC and the SHERMAN COMPANIES. XXXX said there are NO RECORDS of me owing WINDSTREAM anything. If fact, they had no records at all. I went on XXXX XXXX and tried to dispute the debt. Finally, on XXXX XXXX, XXXX, I received a letter, dated XXXX XXXX, XXXX, from RESURGENT CAPITAL SERVICES who works for LVNV FUNDING , LLC about the alleged debt with XXXX. They said that they were " reviewing the inquiry recently received. '' It also stated that if I did not dispute the debt within 30 days, they would consider it valid. My husband and I then researched LVNV FUNDING , LLC, THE SHERMAN COMPANIES, & RESURGENT CAPITAL SERVICES. We were shocked at the horror stories of people harassed, sued and had their credit and lives ruined by these companies. I spoke to Legal Aid and they help draft a Demand of Validation of Debt to send to RESURGENT CAPITAL SERVICES, which also disputes the debt. Sent Certified Mail, Return Receipt Requested, signed by XXXX XXXX on XXXX XXXX, XXXX, ( USPS Tracking said letter arrived on XXXX XXXX ), of RESURGENT CAPITAL SERVICES. They had 30 days to respond. Today, XXXX XXXX is 39 days. Today my husband called RESURGENT CAPITAL SERVICES and spoke to XXXX. XXXX said she did get the Certified letter but they had already validated the debt with me on XXXX XXXX, XXXX. This is a LIE. My husband asked that XXXX validate the debt or REMOVE ALL FALSE INFORMATION FROM HIS WIFE 'S CREDIT REPORTS FROM XXXX, XXXX, AND XXXX. XXXX refused. This is why we/I are filing this complaint. Hopefully I can attach my letters with photos of mailing receipts, etc. I am asking that RESURGENT CAPITAL SERVICES ; LVNV FUNDING , LLC. REMOVE ALL THE FALSE AND NEGATIVE INFORMATION REPORTED TO XXXX, XXXX AND XXXX ABOUT THIS ALLEDGED XXXX ACCOUNT AND BECAUSE OF RESURGENT CAPITAL 'S COMPLETE FAILURE AND DISREGARD TO " VALIDATE '' THE DEBT IN ANY WAY SHAPE OR FORM. Please restore my credit because what they are doing is wrong and false and I am suffering from XXXX, living off of XXXX from Social Security and Medicare. Thank you for any consideration. XXXX
Company Response:
State: AR
Zip: 72703
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No