Date Received: 2023-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Lawful Notice of Dispute TO : LVNV FUNDING LLC RE : Account Number : XXXX To Agents or Assigns at : LVNV FUNDING LLC I am in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and LVNV FUNDING LLC. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023 and XX/XX/2023, I filed two Debt Validation Letters for two separate accounts with Resurgent Capital Services requesting them to Prove the Claim and to forward me the proof and following items ; 1 ) Verification that an Attorney read their Notices sent to me on XXXX XXXX. 2 ) Legal authorization that they are licensed. 3 ) Legal authorization that they have jurisdiction on this matter as I am a Michigan resident and they are located in South Carolina. 4 ) A copy of the Application. 5 ) A copy of The Purchase Agreement. 6 ) A copy of the Original Contract. 7 ) Monthly Statements, Purchases, and Pin # s to verify alleged debt. 8 ) Verification of my signature authorizing Resurgent Capital Services to collect any alleged debt. Resurgent Capital Services have failed to provide adequate documentation to prove the Claim of Debt and simply has only forwarded a copy of an Account Summary that any professional hacker could create or get their hands on. There arent account details or any specific information on the Account Summary they forwarded me. Resurgent Capital Services are in violation of federal and state laws of 15 USC 1692 where they are mandated by law to provide documentation to prove the Claim. In phone calls with Resurgent Capital Services regarding this matter their Supervisor and the Compliance Department have told me that they will not provide these documents. The last phone with the Compliance Department was on XXXX XXXX.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is not my debt
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) LVNV FUNDING Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt. FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that LVNV FUNDING is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS LVNV FUNDING AND ITS AFILIATES HAVE SENT ME 3 LETTERS WITH DIFFERENT AFFILIATES ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692 C ( A ) LVNV FUNDING IS IN CLEAR VIOLATION under the law as I have written this company numerous times about validating this dept with no response I have also sent in complaints to the cfpb about lvnv funding and still this company continues to report on my XXXX consumer report I have sent in numerous affidavits and paperwork to the company, the companies affiliates and the CFPB. I have also written XXXX about this issue. This is not my dept. I have no knowledge of this dept and the company has not forwarded me any information regarding this debt. There has been no verification of this debt yet I am still being harassed because this LVNV funding is reporting on my credit report fraudulently because this is not my account Ive sent in numerous fraud paperwork from the FTC to no avail LVNV funding. They are violating my rights and I cant get any help from the CFPB so Im trying again. This is unfair debt collection practices and I expect the CFPB to please have LVNV funding removed off my credit report and have them pay {$1000.00} for each violation of the law which they are clearly in violation of at least seven laws. Ive sent them an invoice for the violations which days refuse to pay and I asked that the CFPB please interfere and hold this debt collectors accountable for their actions. I ask for a wedding signature, verifying that the contract was actually initiated with LVN refunding, which it could not possibly be I asked LVNV funding to please send me all documentation regarding this dept which again you have failed to do so I asked LVNV funding to send me the signatures of both parties who have signed the contract for the dept that is old and still have not received a reply from LVNV funding Im asking the CFPB to please, please cause this is harassment to please look into them paying restitution under the law for every violation that I have pointed out here and now on this complaint
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX failed to remove the collection account from my consumer report. Please see attached documents.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 18USC 8, i owes no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681 ( b ) 2. Company has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Company Response:
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The loan with XXXX XXXX was written off due to XXXX XXXX damage to my property during installation as well as their breach of contract in installing upgraded windows, refused to allow manufacturer to come inspect after installation. Repeatedly ignored emails when trying to rectify the situation, wrote to the owners and attorney and never received a response. The charge was removed from my credit report for years, now all of a sudden LVNV Funding LLC is contacting to collect. They have called my phone so much that I had to block their number, they email me several times throughout the month. Additionally, there are incorrect dates/no dates of the original loan provided. XXXX XXXX has fraudulently reported and sold my personal information to LVNV Funding LLC without my written consent. In accordance with the Fair Credit Reporting Act, this has violated my rights under 15 USC 1681 602 states I have the right to my privacy. I have attached documents showing proof, my emails and letters sent to them of me trying to resolve the issues, as well as documentation showing that LVNV has incorrect/no date of original loan and numerous emails.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: During the year XXXX I was having credit cards with XXXX XXXX. One of the cards was activated to use by me. To my surprised one of the cards which I had not activated was illegally started using by unknown person in XXXX. To be specific the unknown person spent a lot of money on XX/XX/XXXX - XX/XX/XXXX with a card that end with XXXX. When I found out I immediately report the identity theft issue to XXXX. They told me that they will begin their investigation. After few days they call and told me not to worry about it. All this happened in a different address. I moved from the location where this issued happened. When I moved to the new address, I was still communicating with XXXX XXXX because I still have card with them. During the conversation I was told that the card has been cancelled due to the issue and I should not worry about it. They sent me a new card which I specifically told them I do not want to it because I am trying to pay off the other one, I have been using. The associate I spoke with told me that since the other card has been cancelled, I should not worry about it. I should go ahead and activate the new card that has been sent to me. To my surprise when I activated it, they move all the Freud expenses bill to the new card that ends with XXXX. I tried everything but I found out that they have sold the debt to a new company who has taking a lawsuit against me.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I've attempted countless times to inform LVNV that i do NOT wish to be contacted, instead LVNV gave 2/3 other debtors my information without my consent and violated the FDCPA. Due to this and the stress this situation has caused me i am sending this letter as a pre-arbitration demand letter under the cardholder agreement attached to this supposed debt LVNV has acquired. I will attach the demand letter here but if i do not receive contact at my phone number XXXX OR email XXXX from LVNV in the hopes of settling our disagreement within a 5 BUSINESS DAY period. I will submit this letter to the XXXX XXXX XXXX and we can handle it with an arbitrator or mediators assistance.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A