Date Received: 2016-01-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I noticed LVNV funding on credit report when trying to buy a home. Wrote XXXX letters to credit bureaus to validate debt that has not been validated as of today. wrote letter to LVNV funding to validate debt never get a response as of today
Company Response:
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV FUNDING put collection on my credit for a XXXX account. I had insurance with XXXX. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from LVNV and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-06
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: By letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX ; LVNV Funding ( letter attached ) notified me in writing " ... if you notify us in writing within 30 days of receipt of this letter ... we will obtain verification ... provide it to you. WE WILL CEASE COLLECTION ACTION UNTIL WE SEND YOU VERIFICATION. Letter dated XXXX XXXX, XXXX ( copy attached ) and Signed Receipt by LVNV Funding dated XXXX is attached. I notified LVNV Funding in writing effective XXXX XXXX, XXXX that i disputed the Debt and they were to provide me validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA bars any further collection activity until the validation has been sent. A letter dated XXXX XXXX, XXXX ( letter attached ) from XXXX XXXX XXXX XXXX XXXX XXXX is attached stating the LVNV Funding had assigned the delinquent account to them for collection. Further, LVNV Funding has continued since the XXXX XXXX, XXXX receipt of Dispute and Request for providing validation IAW FDCPA to report the Debt as a collection action to all XXXX Credit Reporting Agencies. LVNV 's assigning of Debt XXXX XXXX XXXX XXXX XXXX XXXX and their subsequent action without first validating the debt since requested in XXXX are express violation of the FDCPA. Also this is a TIME BARRED DEBT!
Company Response:
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-30
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Company is trying to collect a false debt. Document was sent but appears to be false. I checked my credit report and it is not listed on credit report. Also, never had such an account.
Company Response:
State: FL
Zip: 34232
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-28
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: LVNV Funding / Resurgent XXXX never gave me written notice of collection efforts. They called but I told them this was not my debt and that I never had this account. They then proceeded to report the debt to credit bureaus without allowing me any verification of debt.
Company Response:
State: CA
Zip: 92701
Submitted Via: Web
Date Sent: 2015-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2015-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received a letter from Debt Collector for LVNV Funding several years ago and in response within 30 days requested validation of the debt. LVNV has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until LVNV provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it vioates the FDCPA and is time barred.
Company Response:
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2015-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Credit card ws stolen and used by someone else back in 2003.Six months ago a credit card company begin trying to collect the debt. I am on a fixed social security and small XXXX pension. I am afraid this company is trying to destroy my small income. They are causing me a lot of stress. My daughter has been helping me to respond to them.
Company Response:
State: AR
Zip: 72205
Submitted Via: Web
Date Sent: 2015-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX and LVNC Funding LLC continues to place me in collections for debts that are not mine. The are now claiming that I owe LVNV Funding LLC for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with XXXX or LVNC, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, XXXX turns things over to LVNC or XXXX of their other companies or, visa versa. At this time, XXXX is trying to collect for LVNC. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2015-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-14
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: XXXX XXXX solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages
Company Response:
State: MA
Zip: 01930
Submitted Via: Web
Date Sent: 2015-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No