Date Received: 2023-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have looked at my credit report to find this company who I have never done business with is reporting on my credit. Violations listed below A collection can not be listed as an open account A collection is by default past due Date of last activity is not the same they have not provided me with any signed contract showing my signature, a complete payment history, a purchase agreement witht the terms and conditions of that purchase agreement.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing concerning the ongoing attempts by LVNV Funding LLC to collect on an alleged debt referenced in CFPB Case # : XXXX and Case # : XXXX. I have made several requests for validation of this debt, but have not received adequate documentation proving I owe this amount. As the law requires, I am requesting that LVNV Funding LLC provide the original purchase agreement for this account, which should clearly show that I, XXXX XXXX, am the legal owner of the debt you are attempting to collect. This agreement must include all terms, conditions, and responsibilities associated with repayment. LVNV Funding LLC is unable to validate this debt by providing the requested documentation, I will have no choice but to seek legal counsel. LVNV Funding LLC continued collection efforts without validating the debt first is in violation of the Fair Debt Collection Practices Act.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services LP is violating my right to privacy and is in violation of the Fair Debt Collection Practices Act 15 U.S. Code 1692e - False or Misleading Representations in Communications. Please see attachments.
Company Response:
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX refuse to pay this debt, my dads ice cream truck caught fire all monies is now tied up.
Company Response:
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, one of their third-party collectors did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, XXXX of their third-party XXXX did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple dispute letters and they've been saying that all my information is accurate which it is not.
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Subject : Complaint Against LVNV FUNDING LLC for Repeated Violation of Consumer Rights and Failure to Verify Debt Dear Sir/Madam, I am writing to file a formal complaint against LVNV FUNDING LLC , a debt collector company, for their persistent violation of my consumer rights and their failure to provide adequate debt verification. Despite multiple attempts to address this matter, my complaints to the Consumer Financial Protection Bureau ( CFPB ) have been ignored, and LVNV FUNDING LLC continues to report erroneous information on my credit report, causing grave emotional distress and hindering my financial goals. Details of the Complaint : Lack of Debt Verification : On XX/XX/XXXX, XXXX, XXXX, I received communication from LVNV FUNDING LLC claiming I owed a debt. I promptly requested them to provide proper verification of the alleged debt, as guaranteed by the Fair Debt Collection Practices Act ( FDCPA ). However, to date, they have failed to provide any method of verification they used to validate this debt. Absence of Contractual Agreement : I wish to emphasize that I have never entered into any contractual agreement with LVNV FUNDING LLC or any of their affiliates. Furthermore, they do not possess any documentation bearing my signature or any other proof of my liability for the alleged debt. Ignored CFPB Complaints : I have diligently submitted multiple complaints regarding this matter to the Consumer Financial Protection Bureau. Regrettably, none of these complaints have received appropriate attention or resolution. Persistent Erroneous Reporting : LVNV FUNDING LLC 's unwillingness to verify the debt accurately has resulted in continuous erroneous reporting on my credit report. This has led to severe emotional pain and has adversely affected my ability to achieve my financial objectives. Requested Actions : I urge the Consumer Financial Protection Bureau to take immediate action and compel LVNV FUNDING LLC to adhere to the following measures : Verify Debt : LVNV FUNDING LLC must be compelled to provide a clear and comprehensive verification of the alleged debt, as mandated by the Fair Debt Collection Practices Act. Removal of Accounts : In light of the absence of a valid contractual agreement and failure to verify the debt, I demand that all accounts associated with LVNV FUNDING LLC be removed from my credit report promptly. Accountability and Fair Practices : LVNV FUNDING LLC should be held accountable for their repeated violations of consumer rights and unfair debt collection practices. Resolution of Emotional Distress : I request suitable compensation for the emotional distress caused by their unjust actions. Ensuring Future Compliance : To prevent similar incidents from occurring in the future, LVNV FUNDING LLC must be subjected to strict monitoring and auditing of their debt collection practices. If this matter is not addressed promptly and my consumer rights are not safeguarded, I am prepared to pursue legal action to seek redress for the harm caused by LVNV FUNDING LLC 's actions. I have enclosed copies of relevant documents, including communications with LVNV FUNDING LLC to support my complaint. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. Thank you for your attention to this matter. I look forward to a prompt and thorough investigation and resolution of this complaint. Sincerely, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed with the FTC an also filed an identity thief report with identitytheft.gov Ive stated numerous times this is not my debt an will not pay it either
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account name. LVNV FUNDING LLC Account number. XXXX This account below was reported as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Company Response:
State: NJ
Zip: 072XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A