Date Received: 2023-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Company Response:
State: FL
Zip: 34668
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Reporting closed loans as open and owing money
Company Response:
State: CA
Zip: 91106
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX is the date on the letter I got from LVNV Funding LLC. Asking me to pay the collection of {$1200.00} the account was listed under XXXX XXXX bank. Upon originally receiving this letter which was actually mailed to my moms house not mine. I thought it was someone trying to scam me to get me to send them money. I wake up this morning XX/XX/21 to a hit on my credit report and immediately call XXXX, and credit one to open a dispute. XXXX then advised me to report it here where Ill get some sort of document to upload to them so they can proceed with the dispute. I have never been late on any payments my credit has always been great. This my 2nd time dealing with identity theft luckily the 1st time I got to it before any charges accumulated I believe last time was with XXXX XXXX bank as well. Please someone help.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Good afternoon, my debt was bought over from XXXX XXXX XXXX XXXX. Upon finding out about the debt I made payment agreements with LVNC Funding LLC to start paying off my debt. I began paying, then COVID hit and I was no longer able to pay thus said debt. I'm still not able, I'm currently unemployed and only received adoption subsidy. I recently received notice that I'm being sued by LVNV Funding LLC. This has affected my credit score greatly, at the time of agreement I had no knowledge of debt validation, and my rights. I've also learn that they are not licensed to collect debt in the state of New Jersey. Please I need some help, I'm really trying to fix my credit report
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV FUNDING and Resurgent ( which I believe are connected ) have been on my credit report for quite some time. I never received anything stating who they were, how they were connected, or to which accounts. I do not see full account numbers on my credit report and don't have a way to verify anything. I sent debt validation requests to which no response has been made. I finally sent an offer to settle with LVNV just to get it removed from my report. It is hindering my credit score. However, there has been no effort on their part to respond to me.
Company Response:
State: MO
Zip: 64068
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed being OPEN, but also having a past due. BALANCE of {$3500.00} This is a violation of the FCRA and is in violation of requisite XXXX XXXX reporting standards. According to the Fair credit reporting act. I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please Immediately remove this account from my credit report and send me an updated report with all XXXX XXXX reporting standards and this account removed upon completion. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 930XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX sent somebody from XXXX XXXX XXXX XXXX to serve me court papers about them suing me for a credit card debt the bought from XXXX XXXX. As requested I responded in the right amount of time, submitted and filed it with the courts. went by the book. I clearly expressed I wasn't even sure the debt was mine to begin with. I have no problems taking responsibility for certain things. I don't remember the card being in my possession and I explained to them that around the time of that card I had been kicked out of my home and all my possessions were kept including my wallet my clothes my shoes and all my belongings a lot of it was destroyed and some of it was sold I guess. but I was on the street and if I had had a credit card I wouldn't have had to sleep in my car or beg my mother for money for shoes I XXXX sure would have been homeless with a credit card with a {$5000.00} limit on it. I never saw the card again I had to start all over and that's how long I have to starting over I had an accident at home cost me a XXXX XXXX XXXX so my memory of things are not the best. But in any case because of that XXXX XXXX I have health issues as well as pre-existing conditions that demand I am not allowed to get myself too stressed out because it can be detrimental and my health could deteriorate. so I found a letter they had sent saying that we can make a payment arrangement before needing to go to court so to keep my stress level down that's what I did. I contacted them and I set up an agreement to pay {$150.00} a month each month. they were supposed to send me paperwork that I was going to sign that way we could afford Court and the debt could start being paid. During this time due to stress from this incident and overworking myself I started having problems with my XXXX so I agreed and I made my first payment of {$150.00} in XXXX. I never received this supposed contract I was supposed to sign. but I still continue to pay them and made my payment for XXXX and made my payment for XXXX each of {$150.00} as we agreed on. I made the payment around the same time as I did the first one in XXXX which is the end of the month around the XXXX to XXXX I think. Because it was around the time of my birthday which was XX/XX/XXXX. I have a XXXX XXXX XXXX that stressed or my body can't handle what's going on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I did whatever it took including borrowing money to make sure that these payments happened so that way I could stay out of court. plus I XXXX XXXX XXXX and I don't need anything extra complicating my life due to me having to go through these health issues and already suffering extreme amounts of pain on a daily basis and XXXX XXXX XXXX XXXX XXXX XXXX. When I set up the payment plan I told the girl that I don't have almost any money XXXX is closing due to me having to look into XXXX because as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX you can't get really far so I was losing everything I'd ever worked for. I go and I check the mail XX/XX/XXXX I believe to see if my replacement driver 's license had came in the mail because it had been some time and I first opened a letter from a law firm I've never heard of telling me that the courts had awarded lvnv funding a judgment against me and the letter was trying to convince me to do bankruptcy or something. I've gotten probably about 15 of those letters already from different law firms that I've never even heard of about filing bankruptcy and my personal information obviously being used and I'm not sure why. But this was news to me I had not been informed that I had court and furthermore why would I have court if I have made payments according to a payment plan that I thought we agreed on even though I still have yet to see paperwork of such agreement. I was never informed that I had court or that I was having a judgment filed against me regardless and I'm not sure why I would have a judgment filed against me if they were receiving payment I have the receipts of every payment that I've made to them from the beginning of all this in XXXX of this year XXXX and XXXX. I would understand if they took me to court for judgment if I wasn't paying on an agreed plan but I did and just like they served me at my house on a Sunday evening to let me know they were suing me they could have done the same thing this time but they didn't they just went ahead and filed against me in XXXX. Immediately when I opened the next piece of mail and I saw that it was from them or from the court stating that I had a judgment against me in their favor I contacted the court and asked the court clerk how was that possible. how is it possible when I hadn't violated any supposed agreement especially when I haven't signed an agreement but they were still receiving a payment then how did they have a right to take me to court behind my back without being properly informed and receive a judgment against me while they were already taking my money. she didn't understand how that was possible either and she directed me to start filing reports with Trade Commission XXXX XXXX XXXX and whoever else I could so that way if investigation could happen and then I could take the findings that I investigation back to the courts to the judge so they can't try to take anything from me and that this could be resolved.. They received judgment I think and she said XX/XX/XXXX and then it was filed on XX/XX/XXXX. I want to say she mentioned something about it being originally filed in XXXX to take me anyways but if they did that in XXXX I had not missed a payment still it wasn't even time for my second payment so they took my first payment and then proceeded anyways to take me to court without me knowing and then collected XXXX payment still did not inform me of anything took me to court and collected XXXX XXXX payment and still hasn't said anything. the whole point of me paying this debt that I don't think is mine to begin with was to keep me out of having the stress of dealing with courts and having a judgment against me but they did it anyways behind my back and without informing me while taking my money when I already don't have any money to begin with. I don't own anything and I can't say I live paycheck to paycheck because I don't make a paycheck. I couldn't violated any contract because I didn't sign one and if I didn't violate a contract how can you take me to court over said contract and if I wasn't paying you then I would understand but they received the payment we agreed on over the phone and I haven't missed one yet. XXXX XXXX payment will be due and I don't have the money for that because now I have to get a lawyer to fight to keep them from trying to take whatever they think I may have which I don't have anything I live in an attic and sleep in a closet I'm losing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I'm having to close after working so hard to have and I have nothing to show for it I don't have a home I have a vehicle that works half the time that I fix that is worthless but I use it for work they're coming after me as if I have a million dollars when I don't have any money in a bank account. When I made those payments on XXXX and XXXX not only did I have to borrow that money but I didn't eat I went without food to make sure they got those payments for them to turn around and sue me and that's not right I want them to be held accountable for what I hear there's 400 complaints against them with a XXXX XXXX XXXX for fraudulent practices and something needs to be done to have a better XXXX XXXX XXXX rating of XXXX. Something. How are they still in business.?!
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Greetings, I sent a certified validation letter, cease and desist and affidavit of truth to LVNV Funding LLC on XX/XX/2023. They are a debt collection agency that I do not know and have never done business with. My information was passed on to them by XXXX. They were given my information by XXXX. I also sent XXXX a certified validation letter, cease and desist and affidavit of truth as well on XXXX XXXX. Then my information was passed on again to another company after LVNV received my certified letters. I received another letter from Resurgent Capital Services on XX/XX/2023. I do not know who this company is and I've never done business with them before. I also recevied another from a company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 and XX/XX/2023. They were also given my name and private information by LVNV Funding LLC. I also sent XXXX XXXX XXXX XXXX a certified validation letter, cease and desist letter and affidavit of truth on XX/XX/2023 as well. My letter was returned and unclaimed after it was sent to the very address XXXX XXXX XXXX XXXX billed me from. They refused to take my letter. So all in all. My information has been breached on several occasions by LVNV and all these companies are in collusion with XXXX and XXXX without my permission and against my consent.
Company Response:
State: FL
Zip: 32967
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Reference Number : XXXX To whom it may concern, I, XXXX XXXX, demands arbitration with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment. If you are not able to provide proof of the re-investigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the XXXX responsible for maintaining the account. Case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am writing to file a formal complaint regarding LVNV FUNDING LLC 's placement of a collection on my XXXX and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from LVNV FUNDING LLC. Upon reviewing my XXXX and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by LVNV FUNDING LLC. This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from LVNV FUNDING LLC regarding this alleged debt. I have no knowledge of any business or financial transactions with LVNV FUNDING LLC. Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of LVNV FUNDING LLC, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by LVNV FUNDING LLC on my XXXX and XXXX credit reports. Determine whether LVNV FUNDING LLC has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. Ensure that LVNV FUNDING LLC ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. I have enclosed copies of my XXXX and XXXX XXXX reports reflecting the reported collection account from LVNV FUNDING LLC. Additionally, any supporting documentation regarding my attempts to contact LVNV FUNDING LLC or request validation of the alleged debt is also included for your reference. I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. Thank you for your assistance. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A