Date Received: 2023-05-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have asked this debt collector to verify and validate this debt on XX/XX/2023 Under 15 USC 1692g. Validation of debts and to this date they have not provided any correspondence regarding this debt. I have never done any business with this company and I have no knowledge of the accounts they have listed on my credit report. I would like for this account to be deleted from my credit report as this has become a hinderance for me. Under 15 USC 1692g. Validation of debts
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX, XXXX, and XXXX are reporting that LVNV FUNDING LLC is attempting to collect an alleged debt of XXXX $ .LVNV FUNDING LLC does not have a license to collect a debt in Illinois , hence making this an illegal report. I would like this removed from my account immediately. I contacted the credit bureaus and it is still on my account.
Company Response:
State: IL
Zip: 60110
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I personally don't have knowledge of this debt from XXXX XXXX XXXXk or lvnv funding LLC. I did have id theft back in those before the new era of record keeping. I get letters from restaurant capital services. I've asked them to stop contacting me. I don't have knowledge of this. It was ID theft. They refuse. They claim it's from XXXX. I had no clue of this.
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been dealing with ID theft issues, etc. since the XXXX at which point I was a preschooler apparently with a mortgage. I had to end up freezing my credit reports in the early XXXX and have had numerous fraudulent accounts opened in my name since unfreezing in XXXX. I was unfortunately a victim of several major data breaches, including the XXXX data breach of XXXX. Now, Resurgent Capital Services L.P. c/o LVNV Funding LLC is negatively reporting a debt of {$1800.00} which it alleges that I owe although I have previously contacted these people and the FTC about ID theft regarding 2 other fraudulent accounts that they were attempting to collect on which have since been closed after research. Now this current account has emerged from out of nowhere. I have no knowledge of this account nor the other 2 they ended up closing after research and they have only provided a digitally signed document after 60 days of correspondence. I am not even sure where this money went but I have had bank accounts, credit cards, and business accounts associated to me fraudulently for a number of decades now. They have not provided any indicia of proof that the digital signature sent is in fact mine nor any proof that I received the alleged money owed. I have asked to provide information regarding their validation of this alleged debt which they have failed to do as well. Further, they have not provided any information or proof that they own this debt ( i.e. the purchase and sale contract/agreement regarding the purchase of this debt from XXXX ).
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX around XXXX I received a notification from XXXX XXXX stating that a new collection was added to my credit report as I proceded to go take a look I noticed it was from a XXXX XXXX creditor in which was reopened by a collection agency by the name of LVNY FUNDING LLC . I was stunned to see that over XXXX $ was used on a credit card that I had NOT a piece of knowledge about or how it was even put in my name l check my credit and monitor it daily and wasn't sure how this could even be possible. The date it said it was opened was back in XXXX XXXX on the XXXX, I was never aware of this problem until the date XX/XX/XXXX I've contacted XXXX XXXX stating my situation and all other credit bureaus such as XXXX, XXXX, and XXXX and also obtained a police report to report identity theft in an attempt to get the problem removed, disputed, investigated and resolved.This Problem Has had me stressed since the day it occurred and hope it can get fixed as soon as possible
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: i have a capitol one creditcard open XX/XX/XXXX in XXXX i XXXX XXXX XXXX XXXX XXXX XXXX was facing financial hardships and couldnt get to bay by bill ontime as useto right before. i was paying my bill ontime. an im asking for a second chance plz to be back on the right path an i will star makin ontime payments again
Company Response:
State: CT
Zip: 06790
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is a XXXX XXXX debt which was disputed by me in XXXX XX/XX/XXXX I paid XXXX and owed another XXXX usd but due to covid they sold this debt for XXXX usd to resurgent in XX/XX/XXXX, XXXXXXXX XXXX never wanted to collect the money from me and i also asked for statements repeatedly but never got XXXX. Resurgent is forcing me to pay XXXX usd as owed and i had written various letters to resurgent asking for statements but they have not, they have put derogatory status in my credit reports and incorrect reporting causing me to have a bad score and bad repute which has affected my mental health
Company Response:
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX, I received two letters from XXXX XXXX XXXX ( both attached ). One states it was for XXXX XXXX XXXX account ending in XXXX for {$710.00} owned by LVNV Funding. The other states it was for XXXX XXXX XXXX XXXX XXXX account ending in XXXX for {$1000.00} owned by LVNV Funding. I did not recognize either one. Both letters state they will accept disputes and requests for more information in writing ( either by mail or the link provided in the letter ) by XXXX and XX/XX/XXXX respectively. On XXXX, I went to XXXX and disputed the debts and requested more information using the form provided. XXXX failed to respond to the requests and instead reported the collection for account ending in XXXX for {$710.00}, which was added to my report on XX/XX/XXXX. I immediately called XXXX to inquire about why my request for validation/dispute was ignored and was told to contact Resurgent. I contacted Resurgent using their website form and got the attached email that I would receive a response from the appropriate department. No response. On XXXX and XX/XX/XXXX, they proceeded to also add a collection for account ending in XXXX for {$1000.00} to my credit reports.
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Today I received a phone call from XXXX. According to my phone this number is out of Maryland. The person on the other end clearly had an XXXX accent. He proceeded to ask me to verify my name, XXXX XXXX and the last 4 digits of my social. I did, and then he proceeded to tell me he had an email address that i used many years ago, and a physical address that I hadn't been in since XXXX. I refused to verify any current information until he told me what this call was about. This continued until he had his " boss '' get on the call. Again, another person of XXXX accent, gets on the phone. He tells me he is a lawyer and the previous person was a paralegal. He proceeds to tell me that I am being sued. They both start hounding me about the documents and phone calls I supposedly have already received... which I have not. The lawyer excused the paralegal, again told me the call is being recorded and that he was going to read me an avidavit. He said the company suing me is LVNV Finance Funding and the case number is XXXX. He told me I was being sued for uncollected payments to a XXXX XXXX XXXX. When I asked which one, he read off about 20 of them, but wouldn't tell me any specific one. I asked him if he could send me the information, he wouldn't answer, just kept asking me if I was going to hire an attorney, and how I was going to handle the suit. He was nasty and wouldn't give me exact figures either. One time he mentioned XXXX in funds and then attorney fees. I finally hung up, upset, I XXXX LVNV funding. I called them. They are based here in the U.S. She had no knowledge of me, of any collections related to me. She was confident I had been or was in the process of being scammed
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A