Date Received: 2016-03-18
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I have an old debt that filed to attach bank account at XXXX banks in the last 2 months. Now they send a letter head calling themselves some other name. I have filed bankruptcy chapter XXXX. Following an accident in which I am XXXX for 20 years. It 's embarrassing when they keep sending attachment to different banks and also sent proof of bankrupty. How do I make them stop?? I call and they are rude and disrespectful. I do n't know what else to do.
Company Response:
State: NE
Zip: 693XX
Submitted Via: Web
Date Sent: 2016-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-16
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: Lvnv funding obtained a default judgement against me, I was never served. I found out when I received a letter from my bank ( see attached subpoena ) dated XXXX XXXX, XXXX. I was never aware of such a serious issue. I had no knowledge of the original creditor or amount in question. I looked up LVNV & contacted them at this number XXXX to ask for proof of the obligation. I also went to the court house on XXXX XXXX, XXXX, to request a copy of the original file. According to the clerk, based on her receipt the summons was taped to my door around end of XXXX or early XXXX of XXXX. I did not receive the summons that is why I was not aware of the court date which resulted in a default judgment. I made a request on XXXX XXXX, XXXX of the original file & I 'm still waiting for the file from the court. On XXXX XXXX, XXXX, I went to pay my mortgage, I found out that my checking acct along with my dayghter 's have been frozen. The bank representative notified me of a writ of garnishment order that was received from LVNV funding on XXXX XXXX ( see attached ).
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2016-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-14
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: There is a very old account still listed on my credit file which is past the 7 year mark. I have disputed and requested verification and nothing has been received. This is not accurate and should not be listed. The original creditor even has removed
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2016-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Collection Company has purchased from XXXX credit card account that was paid through our using XXXX XXXX XXXX. The collection company FAILED to follow the Federal Law, and is Reporting the Collection as a NEW collection. Additionally, as the attached letter of payment submittal indicates XXXX was sent funds agreed to to settle the debt, and then sent the debt to LVNV who failed to notify or to confirm the debt in the Required time allowed by law. In addition, they are transmitting the collection as if it just took place in 2014, and listing the collection multiple times as well. I have notified them via certified mailing, as well as I have disputed this with the Credit Reporting Agencies, that are also in violation and should be notified by the CFPB of their improper handling ( as per Federal Laws ).
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2016-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-11
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: Creditor is calling my place of employment several times a week sometimes several times in one day and I have asked them to not contact me at work.
Company Response:
State: KS
Zip: 66213
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-08
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Hello, I am currently in bankruptcy a repayment plan, resurgent capital services has one of my debts which is a motorcycle loan. My attorney gave them permission to speak with me regarding the payoff on this loan to get the lien release for title. I made payment arrangements for the balance. So I sent them a check for half the amount and I called them 8 days 9 and 10 days later and they said they never received it. So I then made the payment in full with my debit card and told the lady handling my account to not cash the check as I was cancelling it. Not even a day after I paid the balance they cashed the check resulting in a overpayment and my account to be overdrawn. They are telling me they can not refund my money!? Please help
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-08
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Re : XXXX XXXX XXXX, LVNV Funding LLC . Amt : {$710.00} Reason : Unable to verify charges, identify location of debt, pay debt with reasonable effort. I am disputing the charges for this account, as I am unable to reach anyone to question or resolve this collection account. Without reasonable explanation or proof that this debt is correct, I should not be held responsible for this. I am not sure that this is an account that I opened. I am currently paying off all outstanding debts which were accrued while unemployed. My credit report shows XXXX XXXX XXXX as a negative account, with a total of XXXX for the charges. I did open an account with them, however, the credit limit was {$400.00}. I tried contacting the phone number listed by XXXX, which is XXXX, to resolve this issue. I spoke with XXXX at XXXX XXXX XXXX, which informed me that she would transfer the call to XXXX to resolve the account. She did not have any information for me. Over the past several weeks, I have tried contacting XXXX, only to be placed on hold for several minutes by an automated machine, which would finally disconnect the call. I have not been able to speak with a live representative what so ever. I tried to take this further by contacting XXXX XXXX XXXX collections department at XXXX, but without an account number, I can not speak with anyone. I 've sent letters to XXXX XXXX XXXX with no response. XXXX listed a company by the title LVNV Funding LLC as the collection agency. When I tried contacting this company, they proceeded to tell me that I owe money for XXXX accounts, XXXX of which is a fraud account created in 2005. I do not believe that this company is creditable. As a result, I believe that this is a fraud account and should not be responsible for this. I am asking that this account be removed from my credit report as I can not reach or resolve this issue with reasonable effort.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-08
Issue: Incorrect information on credit report
Subissue: Information is not mine
Consumer Complaint: I have disputed a collection account with LVNV Funding and have asked for validation of this debt both directly and with the XXXX credit reporting agencies. LVNV Funding has failed to provide me with any evidence that this debt belongs to me and that they have a legal right to collect it. I am demanding that they either provide me with sufficient evidence that this debt actually belongs to me or that they delete the account from my credit reports. If LVNV fails to either validate this debt or delete it from reporting, I will have no choice but to pursue legal action against LVNV Funding.
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX/XXXX/XXXX, recieved summons in XXXX Court stating, I owed XXXX dollars plus interest from XXXX XXXX, XXXX, XXXX and XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX Bank, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from LVNV ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called XXXX and disputed the inaccuarate info. I called XXXX bank and spoke with XXXX who could not find and info at all.. XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from LVNV. I told her I had never heard of them as well as I had contacted XXXX and this was Identity theft. XXXX contacted XXXX At LVNV he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call XXXX XXXX XXXX, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. I sent answer to XXXX XXXX Court ( Date Marh XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to LVNV, XXXX XXXX Bank and XXXX XXXX XXXX enclose ID Theft Affidavit, proof of ID ... .... Only one I Have heard back from is XXXX XXXX Bank stating I am not responsible for any previous or further balance occured on this account XXXX
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2016-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-01
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. It is XXXX XXXX that owns XXXX companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder for me to serve them. I have given them until XX/XX/XXXX to respond or I am filing in the state of New Hampshire in small claims and I WILL cost them more than the debt is worth. ***Additional note to add. I forgot to include this I believe with my previous complaint against LVNV Funding/Resurgent Capital Services. It is my belief that the Sherman Financial group LLC owns all XXXX of these companies and operates them as shell companies. I wish I had known back in 2008 when I let these companies hook me into taking their cards out that they would NEVER let me escape them. That they would just wait until the seven years expired then just pile it back on using one of their shell companies. If you do n't believe me just google the company names and see how many lives they have ruined.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2016-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes