Date Received: 2023-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After checking my credit report I noticed that I have a collection from a Company called LVNV Funding for the amount of {$1100.00} I have contacted LVNV via phone asking them to please send out Validations of this account not Verify them! This Company has now submitted a garnishment of my paycheck for 25 % .I have never sign a contract with this company.I have also asked for proof of my wet signature showing that i have signed a contract with them and i know for a fact that they can not provide this.I have also disputed these via credit bureau websites and they came back verified but still no validations and proof of my signature with these company. I also never received notice that I was being sued for the garshiment of my pay.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-08-29
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 enough information to verify debt
Consumer Complaint: I have received several fictitious attempts from several companies attempting to illegally collect debt, and I believe Resurgent in another such company. I received a collection letter from Resurgent Capital Services regarding a debt. Via certified XXXX mail, I requested validation of the debt. The only items Resurgent replied with was computer generated invoice type paperwork, and never provided competent proof or evidence that I had any contractual obligation to provide payment to Resurgent.
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: LVNV funding has been illegally trying to collect from me in a state in which they are not registered. They have also given my personal private information to two other agencies trying to collect for the same alleged debt. XXXX XXXX XXXX as well as XXXX XXXX. LVNV as the other two agencies are trying to collect in the amount of {$620.00} which is incorrect. They are not licensed in the state of Ohio. The two companies listed also have not sent proper notices instead they demand conststly that i pay and also states once i make my payments in full they will ONLY remove and apply it to LVNV but not the original creditor which is XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Lvnc funding LLC submitted in court false statements from original creditor XXXX bank from XXXX that claimed I didn't pay.i closed this account in XX/XX/XXXX. This company put this information on my credit report in XX/XX/XXXX appearing like this was a recent debt and sank my credit XXXX points
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: SEE ATTACHMENTS! LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Urgent : Cease Violations Immediately or Face Serious Consequences NOTICE TO : XXXX XXXX and XXXX XXXX, I am writing to inform you that enclosed within this correspondence, you will find essential documents that serve as clear proof and evidence of the serious violations of my consumer rights. These violations have been committed by LVNV FUNDING LLC, with the involvement of XXXX XXXX and XXXX XXXX, and are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act. These documents stand as undeniable evidence that I have NEVER granted written consent or lawful authority for the sale, purchase, storage, maintenance, or transfer of my nonpublic personal financial information. Your actions have demonstrated a flagrant disregard for my rights and legal protections. It is imperative that you review these documents meticulously and acknowledge the severity of the situation. The evidence at hand solidifies the fact that your organization 's actions are not only unlawful but also put you at risk of severe legal consequences under 18 USC 371, as previously indicated. This statute makes it clear that conspiring to commit offenses against the United States or its agencies, or to defraud them, carries the risk of substantial fines and imprisonment for up to five years for each involved party. XXXX XXXX and XXXX XXXX must recognize that their involvement in these violations is not without consequences. Your organization 's actions have put you in a precarious legal position. Immediate corrective measures are necessary to mitigate these consequences. In light of this compelling evidence, I reiterate my demand for the immediate cessation of all unauthorized activities concerning my personal financial information. The XXXX out of balances associated with the accounts in question and the expunging of references to these accounts from major credit reporting agencies are non-negotiable steps that you must take immediately. I expect a written confirmation from you within 10 days regarding the actions you will be taking to rectify this situation. Failure to comply with these demands will leave me no option but to escalate my efforts to seek legal remedies for the violations and crimes committed against me. This letter, along with the enclosed documentation, marks a pivotal moment. Your response and actions will determine the path ahead. I await your prompt acknowledgment and the steps you will be taking to address these violations. Regards, XXXX
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such of debt, in fact therefore exists I do not recognize how this account is reporting on my credit report, I dont recognize the account, I dont recognize the account status, I dont recognize the high paid balance, nor do I recognize the late payments associated with it
Company Response:
State: SC
Zip: 29617
Submitted Via: Web
Date Sent: 2023-08-29
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 was going through a divorce and I believe this account was opened by them. I had become aware of this account in 2018 at which time I had become aware it was closed and charged off. At that time, I disputed the charges and the validity of the account. Recently, while trying to purchase a vehicle I became aware that I had an opened late pay debt which was surprising to me as I had no contact from anyone. After further research I discovered LVNV LLC had reopened this closed charged off debt that was previously disputed as not being mine. Mind you, there has been no contact from them. I immediately sent them a certified letter requesting documentation asking to supply the information below so that I can be fully informed about the alleged debt pursuant to the Fair Debt Collection Practices Act : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. The name and address of the original creditor and any other names used. A copy of the original contract or other agreement. Evidence that I was the one who opened said account and it was not opened fraudulently. The name of any other person that is or was required to pay the alleged debt. The amount and age of the debt, including : Proof I owe the debt. Provide a copy of the last billing statement sent to me by the original creditor. State the amount of the alleged debt when you obtained it. State the date when you obtained the alleged debt. Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. Provide an itemization showing any payments since the last billing statement from the original creditor. State when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. A calculation of whether the statute of limitations has expired for collecting the debt. ( Virginia Statute Code : 8.01-246 ). The last action taken of the action. Details about your authority to collect this debt, including : Proof of your ownership of the account. Provide the number of any license to collect debt in Virginia and the name of the issuing agency. Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2023-08-29
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 enough information to verify debt
Consumer Complaint: The company is reporting inaccurate information to my consumer reports. Reporting past due amount of {$380.00} without sending me any information about what this debt is from. I never did business or had any written contract with this company.
Company Response:
State: MI
Zip: 49424
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to express my deep dissatisfaction with the unresolved matter of the credit card collection under the name " Resurgent Receivables, '' which is currently reflecting on my XXXX and XXXX credit reports. This collection pertains to a fraudulent credit card activity that I reported numerous times and for which I have taken appropriate steps to rectify as per consumer laws and guidelines. My efforts to resolve this matter have so far been met with frustration, as the fraudulent charges and transactions made by my ex-partner on my credit report have unjustly impacted my credit history and financial standing. I have diligently contacted both XXXX and XXXX on multiple occasions, providing them with information to prove that I was a victim of fraud and should not be held accountable for those unauthorized charges. I have also taken the appropriate measures by filing an FTC report concerning the credit card collection in question. Despite my continued attempts to fix this, I find it extremely disheartening that the negative effects of these fraudulent activities persist on my credit reports, therefore severely affecting my ability to pursue other credit opportunities and financial transactions. Under the provisions of consumer protection laws, it is my right to have inaccurate and unjustified information removed from my credit reports in a timely manner. I insist that you take immediate action to investigate and address this issue by promptly removing the " resurgent receivables '' credit card collection entry from my credit reports in a timely manner from all credit bureaus, XXXX, XXXX and XXXX. Failure to do so not only contradicts the fundamental principals of consumer protection but also subjects you to potential legal consequences for non-compliance. I kindly request that you provide written confirmation of the actions taken to rectify this situation within 30 days from the date of this letter. I look forward to swift resolution of this matter and anticipate your timely response.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My wife left me a couple of months ago. I recently started getting notices from debt collection agencies for debt that I didn't create. Apparently my wife decided to take out credit cards and loans out in my name. She has me {$30000.00} in debt and my credit is suffering. I froze my credit, filed complaints with the 3 major credit agencies, contacted the local police and prosecuting attorney 's office about the identity theft, but they refused to let me report it because we are still legally married.
Company Response:
State: IN
Zip: 47201
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A