Date Received: 2023-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Amount XXXXXXXX XXXX from XXXX XXXX its fraud
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had paid XXXX XXXX their installments on time. In XX/XX/XXXX, I submitted a XXXX claim to XXXX XXXX XXXX XXXX regarding a XXXX which left me XXXX. However, I was denied because I was already on a permanent XXXX from years ago. XXXX XXXX has charged me a XXXX premium since XXXX. They were aware I was on XXXX at the time of the enrollment. Since they denied my claim, I requested that I receive a credit for 8 years of premiums charged for XXXX coverage. XXXX XXXX issued a credit for only 5 months of premiums. They did not issue a credit for the remaining XXXX years of premiums AND interest that was charged/accrued during those 8 years on that account. I requested a new statement so I may review so I may pay the balance, if any, off. XXXX XXXX did not send a revised statement showing the deductions for the unauthorized billing. However, XXXX XXXX sold this account to LVNV and Resurgent Capital Services. I have attached letters requesting that LVNV send me an itemized statement of the balance and a copy of the contract which proves the XXXX XXXX sold them this disputed debt. LVNV violated the FDCPA Rule 809, validating the debt of {$2000.00}. After several phone calls and email, I told LVNV to explain why they added over {$1200.00} to the debt which had not been adjusted for the unauthorized premiums and interest. LVNV did not reply. Instead, LVNV reported to the Credit Reporting Agencies that I was delinquent on the debt. LVNV was not authorized to report anything to the Credit Reporting Agencies since it was a third party who did not validate the amount of the debt and that the debt was sold to them. LVNV has damaged my credit score since XX/XX/XXXX when they started reporting I was delinquent on the unauthorized debt, violating the FCRA. They continue to ignore the disputes I have filed with XXXX XXXX XXXX XXXX. It has been reported to CFPB regarding these XXXX coverages sold by third parties to Customers which compensated the person selling the coverage. The person who took my application knew I did not qualify and processed the application anyway. LVNV is a predatory debt collector who is operating a business that has defrauded me and my credit report. XXXX XXXX has stated that the debt was no longer on their books and did not try to collect it.
Company Response:
State: LA
Zip: 70503
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I have asked for help since XX/XX/21 with a debt due to XXXX hardships from XXXX XXXX XXXX XXXX LVNV Funding LLC acquired the account and now has sold the account on XXXX to XXXX. XXXX has threatened to sue me for an old credit card debt. XXXX I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security disability funds Blessings
Company Response:
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I don't recall any charges and the time they were made
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. , claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o Resurgent Capital Services L.P. they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o Resurgent Capital Services L.P. and original creditor anything.
Company Response:
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On or about XXXX XXXX XXXX XXXXXXXX XXXX apparently sold the debt of the debt of the consumers. From the continuous harassment, phone, calls and emails each and everyday which caused distress, XXXX, and XXXXXXXX XXXX with trying to instill fear. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq ). which became effective XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. According to 15 USC 1692 c, Ceasing communication from the " debt collector '' cease all further communication. ( 1 ) only advise the consumer that the debt collectors further efforts are being terminated ( 2 ) ( 3 ). The debt collector known as Resurgent Capital Services. On or about XXXX XXXX, XXXX XXXXXXXX XXXX has sold the account to the reference above collection agency. Neither has communicated with myself as the creditor for the alleged debt. I haven't received any communication regarding the account being sold, nor any information from the IRS regarding the issuance of a 1099c form for the charge off of a debt by XXXX XXXXXXXX XXXX Furthermore the " debt buyer '' Resurgent capital services continued to harass me by any form of communication by mail and electronic communications. Non stop phone calls from many unknown numbers and over 5 to 6 emails received. Both companies have mislead me as the creditor, threatening, bullying and harassing me in any way possible and I would like to be compensated for each individual infraction for XXXX per occurrence, XXXX XXXX was removed from all individual credit reporting agencies the dates of XXXX XX/XX/XXXX and yet Resurgent is still trying to collect which is a big violation per the ( FDCPA ).
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i recently check my credit report and notice 2 accounts that are not mine and are a result of identity theft. both accounts are from LVNV FUNDING LLC and the original creditor is XXXX XXXX XXXX. I never had any account with either one of these companies and request that these accounts be deleted from my credit report ASAP. LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The collection accounts are actually not appropriate.
Company Response:
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a credit monitoring alert with the wrong information that does not belong to me. Creditor type states ( Bulk purchase finance ). I do not recognize this nor have I made any purchases with LVNV funding llc. Please have this removed off of my credit report.
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was sent a letter from a collection agency that I owed XXXX XXXX XXXX {$600.00} on a XXXX XXXX dollar credit limit they said that I owed {$600.00} after I was making payments every month and my credit report is horrible because they lied
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A