Date Received: 2023-09-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV funding is attempting to collect a debt that according to XXXX in XXXX XXXX under my name reflects this has been dismissed without prejudice on XX/XX/2022
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A debt buyer known as LVNV Funding is taking me to court for a debt I believe is not mine, however if it is, then I did not receive 5 days notice. Their attorney provided me with false documentation to prove that there was a letter sent to me. 1 : I did not receive a letter within the 5 day notice. 2 : The letter stated XXXX XXXX sold the debt to LVNV Funding. Yet the proof of ownership shows that XXXX XXXX sold the debt to XXXX XXXX XX/XX/XXXX first. Then XXXX XXXX sold the debt to XXXX XXXX XX/XX/XXXX. After that XXXX XXXX sold the debt to LVNV Funding on XX/XX/XXXX. XXXX : The document states that XXXX XXXX sold the debt straight to LVNV Funding. 4 : The debt was sold within the same day at one point. There is no possible way I could have been notified of the transaction within 5 days if there wasn't 5 days in-between each sale. 5 : I do have copies of all documents, however your computer won't take anything of 10MB. Will send physical copies.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX of Missouri {$540.00} account was opened fraudulently by an unknown individual at a residence I never lived at.
Company Response:
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is similar to the name on the account but is not me. The name on the account is my father who has a very similar name and lived and had the same mailing address. I have tried to explain this to the original creditor XXXX XXXX. They just give me the run around and do not want to investigate the fraud and issues. So instead of working with me to get it resolved, they just charge it off on their taxes and sold the debt to a debt collector and I have to start all over again with them. It has been nothing but a headache, XXXX who owns the debt now has forwarded it to a law firm. I tried to talk and explain the problem with them, and they do not want to hear it, and just threaten court action if I do not pay. I finally got some forms and paperwork from Resurgent Capital Services to fill out and maybe now it will be looked into on XX/XX/2023. Hoping a resolution can be reached after an investigation is completed. I will keep you posted. Thank You
Company Response:
State: WI
Zip: 54729
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company called LVNV Funding LLC is in Violation of 15 USC 1692f sec 808. This company is trying to collect on a debt from XXXX XXXX XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX am the Agent for this Pricipal. I have requested Validation of this debt per 15 USC 1692g sec 809 and what I mean by Validation of this debt I mean the XXXX XXXX the application that was signed by the Principal to open the account. I want to know who holds the Security now? I think this company is trying to commit Securities Fraud which is a Federal Offense can you please contact the XXXX and have them open a case on this company that is trying to collect Federal Reserve notes on an Account that has already been paid in full and put a stop to the Fraud that Plaques our finacial system today. I think this needs to be reported to the Department Of Justice also.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To : Resurgent Capital Services AND LVNV Funding LLC AND XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation- reference # XXXX Dear Sir or Madam, I am writing to request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) , 15 U.S.C. 1692g. I recently received a collection notice/communication from your agency dated XXXX XX/XX/2023 regarding an alleged debt in the amount of {$1600.00}. Please note that this is not a refusal to pay, but a request for validation. Pursuant to the FDCPA, I am requesting that you provide me with the following information : 1. The name and address of the original creditor ; 2. The original account number associated with the alleged debt ; 3. The amount of the alleged debt and an itemized breakdown of all fees and interest ; 4. A copy of the original agreement or contract that created the alleged debt ; 5. Proof that your agency is authorized to collect this debt on behalf of the original creditor ; 6. If the original creditor has sold or transferred the debt, a copy of the agreement between the original creditor and your agency grants you the authority to collect the debt. 7. Until I receive proper validation of this debt, I request that you cease all collection efforts, as required under 15 U.S.C. 1692 g ( b ). Additionally, please note that any attempt to report this alleged debt to any credit reporting agency without first providing validation may be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Please send the requested information to the address listed above within 30 days of receiving this letter. If you are unable to provide proper validation, I request that you cease collection efforts and remove any negative information related to this account from my credit reports. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX, XXXX.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To : XXXX XXXX XXXX XXXX XXXX AND LVNV Funding LLC I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist LVNV Funding LLC
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Recently, i have reviewed my consumer report and notice that your alleging reporting the following account are LVNV FUNDING LLCXXXXWithout runished any substanital proof of verified according to the federal law, in order for you to report this account you would have had to verify and validate all alleged debt. As of XX/XX/2023, I am asking to provide to me that i had a contract to engage with LVNV FUNDING LLC, to cause such debt to exsist. As a result of this our must removed immediately be removed from my consumer report As i do challenge your validity pursuant 15 USC 1681B. please consider this letter as an initial communication demanding any evidence of my obligation to above mentioned account. As a reminder, any account that you continue to report without being able to validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separate. this is not a dispute of ownership but as a consumer i am aware of my FEDERALLY PROTECTED RIGHTS, if you cant prove the requested documentation my demand is that the account be removed immediately upon receipt.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A