Date Received: 2015-04-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. LVNV is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2015-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-15
Issue: Can't contact lender
Subissue:
Consumer Complaint: My complaint is about unfair business practices and credit reporting by a Pay Day Loans that I have never borrowed from. I have sent these companies letters disputing these fake charges and requesting validation of these claims. letters sent certified mail. XXXX XXXX XXXX letter was Returned undelivered, no response from the other XXXX companies. Yet, these companies are still reporting negative information to all XXXX of my credit reports ( XXXX, XXXX, XXXX ) ; under XXXX different names ( XXXX XXXX XXXX {$140.00}, charge-off ; LVNV Funding LLC, {$6500.00} ; XXXX XXXX XXXX {$2600.00} ) and charges.
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2015-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-15
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Resurgent ( aka LVNV XXXX has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with Resurgent ( aka LVNV ). I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. Resurgent ( aka LVNV ) buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that Resurgent ( aka LVNV ) needs to be thoroughly investigated for their illegal practices. If Resurgent ( aka LVNV ) decides to sell this account or transfer it to another XXXX of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit.
Company Response:
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2015-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-10
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Dear CFPB Representative -- I have never a response made by LVNV in reference to account XXXX, and have determined that this does not resolve my complaint. I XXXX found out about LVNV from XXXX credit reports in 2013. Resurgent/LVNV Funding, LLC has failed to provide legal validation or a dunning letter in accordance with Fair Debt Collection Practices ACT ( " FDCPA ). I am demanding 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 ; itemized with the interest, payments, credits, fees, and /or other permissible charges. I would like to have this account deleted from my XXXX credit report and I will also be filing a separate report with BBB. Regards,
Company Response:
State: CA
Zip: 915XX
Submitted Via: Web
Date Sent: 2015-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: HOW MANY LETTERS DOES A PERSON NEED TO SEND THAT SAYS CEASE AND DESIST? BECAUSE I HAVE SENT XXXX TO THE COMPANY. THEY ARE CALLING AND HAVE IT UP ON MY CREDIT STILL
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2015-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I SENT A LEGAL LETTER ASKING THE COMPANY TO STOP CONTACTING ME AND TO NOT REPORT THIS ACCOUNT ON MY CREDIT BECAUSE ITS NOT MINE AND THEY HAVE YET TO DO SO
Company Response:
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2015-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-05
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: Judgement line was filed then LVNV funding started collecting. They hired an attorneys office they called said they were from a locators services and there was a civil criminal case against me and I was to call this attorney in XXXX. I never did. A few days later with no notice my checking account was garnished. How is this fair? Is any one going to do anything this time?
Company Response:
State: OK
Zip: 73044
Submitted Via: Web
Date Sent: 2015-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: have no idea what this collection attempt is for but they keep contacting me
Company Response:
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2015-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a XXXX Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my eyes. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted XXXX and was told that Resurgent Capital Services was had the account. I contacted them and was told that they had not received the money from XXXX yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from XXXX and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past 2 moths experience has no confidence that I will hear from anyone at the company. I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that XXXX nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2015-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-30
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: The attached complaint sets forth all of the claims involving the deceptive nature in which LVNV Funding , LLC brought its case under index # XXXX. Naming a plaintiff as " LVNV Funding , LLC XXXX XXXX XXXX '' is a deceptive practice because that entity misidentifies the creditor, is not licensed, lacks authority, and implies more of a direct relationship than exists between LVNV and XXXX XXXX. A federal case annexed to the attached complaint clearly states a cause of action for that tactic under the Fair Debt Collection Practices Act. XXXX XXXX challenges LVNV 's legal right to sue her in the first place. Upon information and belief, LVNV failed to secure a valid chain of assignments before it sued XXXX XXXX. New York courts are very concerned about debt buyers who do not and/or can not produce a valid chain of custody. XXXX XXXX also contends that LVNV added pre-judgment interest to her debt but it lacked contractual or statutory authority to do so. XXXX XXXX was not given valid notice of any assignment and any meaningful right to demand validation.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No