Date Received: 2015-06-12
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Requested the details regarding the charge and no information has been received from these people ; yet the letters continue even though debts are no longer a part of my credit history. Illegal collection practices in play here. Former collections manager that is able to spot violations of FDCPA when he sees it. They are looking to collect on debt that was removed from the credit bureaus during the purchase of my home back in XXXX of 2015. The removal was due to the debts being deemed by the credit bureaus as " Too old to collect '' as the accounts are over 10 years old. They may be " debt buyers '' that are looking to utilize illegal collection tactics. The new collection agency tactics is to try an establish contact with proposed debtors in order to reactivate the debt and establish collection techniques all over again. I have asked them to substantiate the debt which they are unable to do but again the letters continue to arrive at my home ( harassment strategy ) even after dispute notice was faxed to them back on XXXX XXXX, 2015.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2015-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I XXXX XXXX XXXX, HAVE NOT RUN MY CREDIT REPORT SINCE LAST 8 YEARS, NOW THAT I AM TRYING TO REFINANCE MY HOUSE THAT WAS ONLY ON MY HUSBAND 'S NAME AND NOW IS ON BOTH NAMES AND REFINANCING, ALL BUNCH OF COLLECTION COMPANIES ARE SENDING ME BUNCH OF LETTERS TRYING TO COLLECT DEBTS THAT I DO N'T REMEMBER TO HAVE BEFORE
Company Response:
State: CA
Zip: 92543
Submitted Via: Web
Date Sent: 2015-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My credit report reflects a collection company trying to collect on a debt of {$2000.00} in which I did not owe that amount to the original creditor how are they collecting and reporting higher amounts of debt owed on my credit report. They cant collect the debt as the statute of limitation in california is 4 years and they has passed, I recently disputed this same information in which they closed the collection on my credit however it shows closed balance owed of {$2000.00} which is incorrect.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2015-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-10
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: XXXX. On XXXX/XXXX/XXXX I received a Motion for Default to XXXX XXXX. On XXXX/XXXX/XXXX I filed a Motion to Deny/Set Aside Default within 20 days. XXXX. On XXXX/XXXX/XXXX I received from attorney a Memorandum with Return of Service from XXXX XXXX XXXX time ever seen this document ), the Motion for Default and the Affidavit for Non-Military Service. This documents states that papers were sent to XXXX address, when in fact they were sent to XXXX address ( envelop say XXXX thing while but actual documents differ as far as the addresses ). XXXX. On XXXX XXXX, while attempting to buy a car and got denied, I saw my credit report and noticed the Default Final Judgment on XXXX/XXXX/XXXX had been granted. Up to this point attorney has not send me notification of such Judgment, especially since I put a Motion to Deny/Set Aside the Motion to Default 3 weeks before. XXXX. On XXXX/XXXX/XXXX I filed a Motion to Vacate Final Judgment. XXXX. One week later XXXX/XXXX/XXXX the attorney finally sends me a copy of the Default Final Judgment when he received my Motion to Vacate the Default Final Judgment. Apparently this case went to trial on XXXX/XXXX/XXXX behind my back, never having gotten served or gotten a subpoena. I was never notified to defend myself as it is legal and proper. In addition, a Judgment was placed to my homestead property, which is illegal in Florida. This tactics to sheet people out of the little we have should not be tolerated in any setting. XXXX. On XXXX/XXXX/XXXX attorney did not show up to court in reference to my Motion to Vacate Judgment, apparently address was wrong. XXXX. XXXX hearing was set for XXXX/XXXX/XXXX attorney did not show up again and the Judge Agreed to Grant me the Order to Vacate Final Judgment, thus ruling in my favor. Judge was to set a new trial date for XXXX/XXXX/XXXX. XXXX. On XXXX/XXXX/XXXX Attorney sent Requests for Production, Admissions and XXXX Set of Interrogatories to the XXXX address. XXXX. On XXXX/XXXX/XXXX I requested that the attorney send me Validation of Debt in order for me to be verify if the debt belongs to me and be able to fill out his Requests from item # XXXX above completely. My letter specified that the next communication the attorney have with me, is to provide me with validation of debt. XXXX. On XXXX/XXXX/XXXX I received again the same package from item # XXXX to the XXXX address but the Notice of mailing states that it was sent to the XXXX address. The attorney completely disregarded again my request for validation of Debt. XXXX. So on XXXX/XXXX/XXXX I requested yet again, for Validation of DebtXXXX. As of today XXXX/XXXX/XXXX I still have not received Validation of Debt from the law office of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX. Although I receive mail to XXXX addresses, this law firm 's paperwork are conflicting from what the envelops state. They never served me and completely went behind my back in a sneaky way to file a judgment against my homestead property. They failed to notify me of the events that occurred in a timely, professional, ethical and illegal fashion. They also fail to verify the debt as belonging to me after multiple attempts on my behalf.
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2015-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV is a collection agency who is listed on my credit report. it claims to be a factoring company, however is also listed as a collection agency. The balance keeps changing. even though LVNV has been on my credit report since 2012 when it purchased the XXXX 's alleged debt, they are reporting as a 30 day late on my most recent credit report. The below is from a previous suit against LVNV. They are doing this same exact thing to me. #. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as a " factoring company '' account. #. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as not in default. #. Defendant violated 15 USC 1692e ( by communicating credit information which is known or which should be known to be false, by reporting the account as a " factoring company '' account. #. Defendant violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account. #. Defendant violated 15 USC 1692e ( 12 ) by alleging that the account was a " factoring company '' account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. #. Defendant violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account to deceive current and potential creditors and to negatively impact Plaintiff 's credit scores
Company Response:
State: TX
Zip: 77327
Submitted Via: Web
Date Sent: 2015-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Resurgent Capital Services Tel : XXXX ; Fax : XXXX sent me a notice that I owe Original Creditor XXXX XXXX XXXX {$660.00}. The current owner is now LVNV Funding LLC with Account XXXX XXXX. I have never done business with XXXX XXXX or LVNV Funding LLC . I wrote to them and told them the debt was not mine and asked for details or proof. They wrote back saying it was up to me to provide them with "... information detailing the nature of the inaccuracy along with any supporting documents to the following address ; Resurgent Capital Services XXXX. Attention : Correspondence Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. I called them and told them verbally ( XXXX time ) the debt was not mine and told them I can not give them any details because I do n't have any details or knowledge about this debt. Subsequently, they sent me written correspondence that my dispute of this account " appears to be duplicative '' and a notice that reads, " Please be advised that we will not continue to respond to duplicative requests for additional information. Should you desire to pay on this account, please contact us... '' The debt is not mine and I thought debt collection companies must provide proof of debt not just say they have verified it and not give you any information or detail? I wrote to them again asking for details and proof so I could present to my attorney to deal with them, but they say it is not up to them to provide details. They say it is up to me!? Please help.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-09
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have written several letters to this company asking them to validate the debt. They never respond and continue to report this inaccurate information which is a violation of FCRA and FDCPA. My most recent letter dated XXXX XXXX, 2015 is attached.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Resurgent Capital Services has been billing me for a debt which I have disputed. I sent them written notice and also called them back after they had contacted me at my place of employment along with numerous other phone calls. They sent me another notice XXXX XXXX, XXXX with Historical account information where they claim this was an XXXX XXXX XXXX XXXX XXXX, original collection date of XXXX/XXXX/XXXX with a charge off date of XXXX/XXXX/XXXX and their information saying the debt was acquired XXXX/XXXX/XXXX from XXXX XXXX XXXX. So now in XXXX they want to open up and collect on something from XXXX, how is that possible?? Resurgent claims the original amount at time of acquisition was {$180.00} and they are adding Interest of {$160.00} for a total of {$350.00}! I have repeatedly advised that this bill is not valid or due, and something going back so many years?
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2015-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I wrote in XX/XX/XXXX and XX/XX/XXXX to advise RESURGENT CAPITAL SERVICE, that the allege account # XXXX is not mine and to seen a sign contract that they company got from the original creditor XXXX XXXX, I was advise by phone on XX/XX/XXXX at XXXX that they contacted the original creditor and was n't able to validate the account. I advise them that they letters was giving me XXXX. The company advise me they will continue to seen the demand notes to me.
Company Response:
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2015-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-02
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all XXXX credit agencies and sent out a debt validation letter to LVNV Funding. XXXX week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.
Company Response:
State: OH
Zip: 45251
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes