Date Received: 2023-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: " I, XXXX XXXX, am writing to express my concern about the actions of LVNV FUNDING. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give LVNV FUNDING permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that LVNV FUNDING is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that LVNV FUNDING remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''
Company Response:
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Resurgent receivables has an account open that was never opened by me. We had a court date to remove account thats fraud they closed the case to sue me for documents not matching my address and information
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I received a letter in the mail regarding a debt that was from 2011. Under the Fair Credit Reporting Act I am no longer obligated to debt nor could I be harassed or have information on my credit report regarding this old debt.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: I am a victim of identity theft ; this account has been open up fraudulent I need this account removed IMMEDIATELY!
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: To Whom it XXXX concern ; In XXXX, XXXX, XXXX and XXXX of XXXX I called Resurgent Capital Services to obtain a payoff letter. The payoff letter is for a XXXX XXXX # ending... XXXX that was paid through XXXX XXXX as a judgement and was paid in full. This document is critical to my mortgage loan originator license. I can not renew or apply for any new licenses without this document. I have several state licenses pending since the beginning of this process with Resurgent and it is impacting my employment productivity and income. I have potentially lost thousands of dollars in income because of this debacle. On my first call to request a copy of the account the agent confirmed the account paid in full and told me that they would send a letter in the mail in 5-7 business days. That letter never arrived. I called back 2 weeks later to inquire, and a new customer service rep stated that it was sent to the wrong address, my old address on XXXX in XXXX, MI. The agent confirmed my current address and advised me they would send out another letter and should arrive in XXXX business days. I called the company back several weeks later because I still hadn't received the letter. Again, a new agent. They confirmed my account and told me that the letter was not sent because it had to go through a different process because the account was a judgement. They said that the judgement process was clear and would send a new letter which would arrive in 5-7 business days. The previous agents flat out lied about them being sent because they could not send without going through the judgement process first. Several weeks passed and on XX/XX/XXXX, I called the company back again because I didn't receive the letter. A new agent confirmed my account and stated that the letter was sent, and I should have received it. I informed them that I had not received the letter. She stated that she would send another letter and it would be in the mail in 5-7 business days. I called today XX/XX/XXXX, to inquire about the payoff letter and file a complaint because I still have not received it. At this point it has been several months since I first inquired about the payoff letter. The first agent told me that all they can do is send it by mail. It must me a script they can not deviate from because they all say the exact same thing. I asked for a manager and when she came on, I asked to be transferred to a higher level of management or complaints department. The call was disconnected. I called back and got another new agent confirmed my information and asked for a manager which happened to be a senior rep not a manager. She told me that no managers were available and that I would have to call back. She stated that she can not file a complaint, send me to someone else to file a complaint, a manager could not call me back, they can not send anything electronically and they could send it via mail, and it would take another 5-7 days. I requested to send the letter and will follow up again when time allows. I still do not have a resolution.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023, I mailed Resurgent Capital Services L.P/LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. Resurgent Capital Services L.P/LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from Resurgent Capital Services L.P/LVNV Funding LLC , so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. Resurgent Capital Services L.P/LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, Resurgent Capital Services L.P/LVNV Funding LLC failed to send their responses. On XX/XX/2023, I received a letter from Resurgent Capital Services L.P. stating that the alleged debt was placed in their prelegal collection track on XX/XX/2023 and will soon be reviewed for further action and may be forwarded to an attorney to review for possible lawsuit. I have never received any correspondence for my previous requests for proper debt validation of said debt from Resurgent Capital Services L.P. and now I am being threatened with legal action when this company has yet to properly validate alleged debt ( s ). Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ). I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency. As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, Resurgent Capital Services/LVNV Funding LLC has continued to report these alleged debt ( s ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who Resurgent Capital Services/LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023, I mailed LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from LVNV Funding LLC XXXX so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, LVNV Funding LLC failed to send their responses. Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ). I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency. As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, LVNV Funding LLC has continued to report these alleged debt ( XXXX ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding Inc and XXXX a system whom I dont know is trying to collect a debt I dont owe from XXXX different accounts and amounts.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed the debt with XXXX XXXX who did not have a signed contract and did not validate the debt. They sent me a letter declaring that I did not owe the debt and they removed from credit report. Resurgent refuses to remove debt although I have sent letter from XXXX XXXX to them.
Company Response:
State: AR
Zip: 72015
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A