Date Received: 2015-08-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Just finished my XXXX degree. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( LVNV Funding , LLC ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2015-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-26
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Consumer Complaint: A debt collector contacted my elderly mother, who has a XXXX, at her telephone number. She was told that there was a warrant for my arrest and that I was due to being arrested any minute, if I did not contact them. She was told that she had XXXX minutes to contact me and have them contact them so that I could be arrested wherever I was located at. She contacted me at work and I then contacted the company. Meanwhile, my brother had to take my mother to the doctor due to her XXXX. When I contacted the company, a representative told me that I needed to make payment immediately and he would then terminate my warrant of arrest. I paid them with whatever I could and am now making hospital payments for my mother. I believe this was very unethical on the companies behalf and should be disciplined for verbal abuse and domination over something that does not originally belong to them.
Company Response:
State: TX
Zip: 78537
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have XXXX collection agencies tryingXXXXXXXX to collect the same debt. 1. Resurgent Capital Services, XXXX, SC XXXX and2. XXXX, XXXX, MN XXXXThe debt originated from XXXX, There is only XXXX debt for XXXX. Both companies insist that their claim is legitimate and have refuse to provide any proof of the debt. I do not want to pay XXXX.
Company Response:
State: NE
Zip: 68144
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-24
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: In XXXX I lost my job. I am now XXXX years old. Sadly we had no choice but to file Chapter XXXX in XXXX of XXXX. On XXXX XXXX, XXXX, I am being sued for {$720.00} dollars. From a XXXX party debt collector. It was originally a credit limit of {$600.00} dollars. Never received anything not a call or a letter. To appear in court within XXXX weeks! I called them and told XXXX the situation. She was very rude and trying very hard to make me feel like a XXXX bag. I was threatened by them of putting a Lien on my home and garnishing my wages. I need MORE TIME to hire my attorney and he is very good. I am a Senior XXXX and I will not stand by and have this company me threaten me and take away from me. Going to get this company for harassment. I am retired and I will not just stand by and got this letter within XXXX weeks for a court appearance.
Company Response:
State: IN
Zip: 46516
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Over the past 4 months my client has received XXXX separate collection letter from different collection agencies attempting to collect a debt allegedly originally owed to XXXX XXXX. The collection letters reference various different account numbers for the sums from {$1700.00} to {$3900.00}. Each letter seems to be from a different agency on behalf of LVNV Funding LLC . In response my office has repeatedly requested details on this claim from the agencies, but received no response. XXXX XXXX XXXX XXXX sent a demand dated XX/XX/XXXX. XXXX XXXX XXXX sent a demand dated XX/XX/XXXX. XXXX XXXX XXXX XXXX send a demand dated XXXX XXXX, XXXX sent a demand dated XX/XX/XXXX. Resurgent Capital Services sent a demand dated XX/XX/XXXX. This alleged debt, if it was ever owed is now barred by the statute of limitations.
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-20
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
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.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2015-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-17
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I noticed a collection account listed on my credit report. The debt collector is LVNV Funding. The debt amount is $ XXXXI sent them a letter requesting that they verify the debt by providing the original creditors name, and original debt amount etc etc. The letter stated that if they ca n't verify the information, they should remove the collection account from my account. They have not responded to the letter, nor have they deleted the account. The letter was sent with certified mail + signature confirmation required. I have a copy of all the documents that were sent to them. I also have a copy of the signature provided by the USPS - thereby proving that have indeed received the letter. I 'd like this account to be removed from my credit report in its entirety, since there no proof that it belongs to me. Thank youXXXX XXXX
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2015-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In your reply you state that " Resurgent received the electronic dispute that you submitted through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective credit bureaus. " What your response does not state is how the account was deleted unanimously by all XXXX credit reporting bureaus and as such any continued collections based inquiries are activities in direct violation of the Fair Credit Reporting Act coupled with additional violations and infractions against Fair Debt Collection practices act. If I am receipt of any additional information from your company in relations to the above, I will then be faced with recourse with the strength of the final dispositions adjudicated by the credit bureaus coupled with filing whatever appropriation actions necessary in a court of law up to and including seeking legal remedies that would help to shape the other matters of violation beyond simple debt collection. Fact is the credit reporting bureaus in their wisdom have spoken and as such this does not preclude me from seeking the remedies afforded me in due process of administering and protecting my rights under the law. I will consider this matter and grievance with LVNV a closed matter for now ; that is unless there is recent of additional correspondence in response to this matter as if it does continue, then I will move to seek other " additional remedies '' afforded to me in the eyes of the law and swiftly seek to resolve this matter. Signed, XXXX XXXX
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2015-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I am being charged for a bill for XXXX that I did not have on the date it is said never had XXXX during that time or address I was living at.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2015-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No