Date Received: 2015-12-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I contacted LVNV in XXXX 2015 about this account. LVNV responded stating that the account and his trade line will be deleted on or before XXXX XXXX. However LVNV continue to report the account. I am attaching the document that LVNV sent to consumer Affairs about the account. However LVNV is still reporting it to the credit report agency
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2015-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-13
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: LVNV has done everything they can to my credit, They would open then close an open an account.my credit score was bouncing around from XXXX to XXXX over night when I found out who it was they were removed permanently. In the past I received letters that they were suing an then canceling suing an canceling..one day a letter came in they had retained a judgement, ,I have taken care of almost all bad credit on my report, ,I dint think they have done anything leagle, an they continually change their name an collection tactics..Is there anything you can do to help me..XXXX
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2015-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I had an account with XXXX XXXX XXXX that was paid in full. I had in the past trouble with people using my information without my knowledge. I have contacted XXXX XXXX XXXX and had my account closed a few time. I recently received a notice in the mail from a debt collected stating that I owe money to XXXX XXXX. I told the debt collector that this is a fraud account in my name. I also stated with them that I had in the past a account with XXXX XXXX that was paid in full and closed. The collection agency stated that they will contact XXXX XXXX to have this removed.
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-12
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have requested many times to see the letter ( with date and address ) to which the original letter was sent. I have never received this. Also, I have disputed this item many times with the credit bureaus as LVNV continiues to improperly report this debt. This debt is a collection. Not an open account and should be reported as such. Also, they continue to report the date of first major delinquency incorrectly. This has been going on for far too long and is wrong. I have attached a few smapled of the letters I sent to the CB. Each time LVNV returns with more inaccurate information. Like now. Please help.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2015-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV funding has been illegally reporting a debt as a new collection on a monthly basis to credit bureaus. Amount attempting to be recovered is grossly incorrect.
Company Response:
State: MD
Zip: 20886
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-11
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: LVNV TALKED TO MY BROTHER AND KEPT CALLING HIM (SEE CELL PHONE RECORDS 16 CALLS TOTAL IN VIOLATION OF TCPA. ALSO, NEVER VALIDATED DEBT AND INSERTED A INVALIDATE LISTINGS ON HIS CREDIT REORTS IN VIOLATION OF FCRA AND FDCPA.
Company Response:
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-09
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This debt was originated in XXXX 2007. No payment was made on this account or towards this debt. The statute of limitations to report this debt to the credit bureaus has passed. A debt buyer purchased this debt and despite my requests for proof of last payment, and my disputes directly to the XXXX major credit reporting agencies, it still is being reported. The debtor buyer is LVNV Funding, LLC.
Company Response:
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. Unknown to me my account was sold to XXXX XXXX and then sold to Resurgence capital. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Collection is continuing to collect a debt with an erroneous balance and fraudulent charges. I 've continued to requested a detail statement of all principal charges and have gotten no response.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-04
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have mailed countless letters to this debt buyer/collection agency and they have thus far refused to provide any evidence that this is my debt or that they own this debt. they need to be investigated for their treatment of consumers.
Company Response:
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2015-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes