Date Received: 2015-07-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I keep getting collection letters from Resurgent Capital in regards to a credit card that to my knowledge I never had. In addition at the bottom of the page they have this " by law we have to " etc etc. Basically states that if I write a letter disputing they will provide proof. If I do n't the debt will be assumed real. The problem is they leave no mailing address on the bill. When I call they want my social sec # as they say that is protocol and will not give me address. I have went thru this with several reps. I finally got XXXX and she gave me the address which was different then the one that was randomly placed at the top of the letter without a business name, so you were not sure if that was correct. Obviously that address would have never gotten to them ... .HMMMM? The reps name I spoke with was XXXX, she said her last name when she answered but when I asked her to repeat it she would n't. She gave me this mailing address ; Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2015-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-30
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC " under account number XXXX LVNV Funding LLC has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. It has also been re-aged as a new collection to further affect my score. They use Multiple companies. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV Funding LLC Corporation has failed to provide the information requested. I have been told I will be called about multiple time and no call backs from the company. I will seek legal action against this company for the practices if the issue is n't resolved immediately LVNV Funding LLC has not provided me with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV Funding LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding LLC Corporation possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2015-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Company Response:
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2015-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I KNOW THAT THESE PEOPLE HAVE THEWRONG PERSON BECAUSE THIS IS NOT MY DEBT AND SO THEY SHOULD NOT BE CALLING BE BECAUSE I HAVE SENT LETTERS STATING THAT THEY NEED TO STOP.
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2015-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-24
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I recently contacted XXXX to dispute XXXX accounts on my credit report from XXXX XXXX Bank and LVNV Funding , LLC. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to XXXX, XXXX and XXXX asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. LVNV funding, I believe is a fraudulent collection agency that works under several alias such as XXXX, XXXX and XXXX and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for one account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.
Company Response:
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2015-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-23
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: LVNV, Resurgent failed to send me a dunning notice before reporting on XXXX, XXXX and XXXX.Which is a violation of the FDCPA and FCRA. Furthermore they have the wrong address and have admitted such. They filed a judgement with my county court and the notice to me was returned because they have the incorrect address. These unlawful practices of LVNV is causing a huge hardship financially and emotionally.
Company Response:
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2015-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-21
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On yesterday, Saturday XXXX XXXX, 2015, I received in the mail a XXXX XXXX XXXX XXXX XXXX XXXX statement dated, XXXX XXXX, 2015 in the total amount of {$1200.00} ( Creditor LVNV Funding LLC ; Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I AM DISPUTING, this claim. On or about 7 or 8 year 's ago, I paid this account off ( after, it was charged off ). I am DISPUTING, the amount of the monies claimed by LVNV Funding. I have previously, DISPUTED THIS ACCOUNT ( S ) with XXXX, XXXX and XXXX. This account by LVNV is old and was charged off XXXX year 's ago. I will fax all supporting documentation to CFPB for the purpose of this filed complaint. LVNV Funding, is NOT authorized to use any of my personal or confidential information. According to Fair Credit Reporting Act, it is illegal to request more monies than what is owed. Again, I am timely DISPUTING, the XXXX XXXX account.
Company Response:
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2015-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-22
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have written XXXX times to XXXX the lastest letter being XXXX XXXX,2015 ( see attached copy ) asking them prove that this debt is mine. As I understand they should not reporting anything to the credit bureaus untl they sent proof that this debt is mine ... I have no recollection of not paying a medical. Not with stand FDCPA, they continue attempt to collect this debt by reporting on my report which naturally hurts credit profile as I am trying to buying a home.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2015-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Company has been pursuing me since 2008 for a debt they can not prove is mine in any way. They continue, year after year, trying to file fraudulent court documents with differing amounts to try to get me to pay. I have responded in kind, asking that any proof I owe this debt be sent to me and the court in writing. They have failed to do so. At this point, I consider it harassment and they are wasting my and the court 's time. They say the debt on or before 2008. Per Ohio statues, even if the debt was mine, it has been over seven years, and is now out of statutes. I would like to file a formal complaint and suggest that I am not the only XXXX they are doing this to, it is a clear violation of the FCRA.
Company Response:
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2015-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: RESURGENT CAPITAL SERVICES has initiated a review to collect on a debt that was settled in court back in 2012 and the debt currently paid off. They are claiming ownership of the original account and trying to collect, requesting documentation and my personal information, SSN and checking account payments in order to prove that I do not owe the debt.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2015-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No