Date Received: 2023-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I suffer from identity theft in 2013. XXXX XXXX XXXX disputed the charge off due to identify theft. Cach LLC is now suing me froze money from my bank and now has debited my account.
Company Response:
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On March 23d, 2023 verification of debt letter and statement to show full break down of charges on a debt owed. The owner of the account LVNV failed to send me the full statement from XXXX XXXXXXXX XXXX to be able to file a proper police report of the fraudulent charges on my past account with XXXX XXXXXXXX XXXX. On the Summary of Account activities it only show the previous balance and interest charged, but not the full summary of what my previous credit card was utilized for in the past before the charge-off.
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: It appears XXXX XXXX the man acting as CEO of RESURGENT CAPITAL SERVICES obtained this account by way of material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and California Penal Code 530.5 PC as XXXX XXXXXXXX XXXX XXXXXXXX XXXX did not legally obtain consent to sale, transfer or disclose any account information with RESURGENT CAPITAL SERVICES company or any other third party ; Additionally, XXXX XXXX XXXX failed to provide the consumer with FULL disclosure regarding their intent to do so. Failure to provide FULL disclosure of material information constitutes unfair methods of competition and unfair and deceptive acts of FRAUD. RESURGENT CAPITAL SERVICES or any other of the company names they try to use DOES NOT HAVE A CONTRACT WITH ME. XXXX XXXX and RESURGENT CAPITAL SERVICES was sent a AFFIDAVIT OF TRUTH CEASE AND DESIST on XX/XX/2022, and the UNITED STATES POSTAL SERVICES confirmed the Respondent received the above mentioned notice on XX/XX/2022, at XXXX XXXX to which XXXX XXXX and RESURGENT CAPITAL SERVICES did not cease and desist and the AFFIDAVIT OF TRUTH CEASE AND DESIST still remains unrebutted.
Company Response:
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have mailed letters dated XX/XX/23 ; XX/XX/23 and XX/XX/23 requesting validation of the debt, however the only response I have received has been from XXXX advising that the account has been verified. I have not received any responses to the letters I have mailed requesting, the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If can not provide please remove from credit files
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding LLC is reporting account XXXX on my credit file as delinquent, however, this account was dismissed without prejudice in XXXX XXXX XXXX via civil case number XXXX on XX/XX/2022.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am submitting this complaint against LVNV who has violated the FDCPA in their debt collection tactics which has damaged my credit reputation.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am in the final stages of buying a home and when they pulled my credit the final time they caught 3 collections that are not mine. They don't even have the correct last name on them! One of the collections companies is XXXX and the other is LNLV. Both have been contacted but not really willing to help me!
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was not taken out by me and I did not receive funding. During that time I was sick, suffering from XXXX XXXX XXXX XXXX. I was on XXXX XXXX XXXX XXXX XXXX. When I realized that loan payments were being deducted from my account, I contacted the company with the phone number listed. i did not receive any communication with regards to a court date. The only corresponding I received is an court order signed by a XXXX, saying that I am responsible for the payments. Please help!
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive only had XXXX XXXX twice and but this isnt XXXX XXXX its XXXX XXXX someone used my info to get a credit card I even got a had inquire I never use to check my credit I called them they say my info matches but I never open the account! They said it was open since last year! I need help someone has my ssn and address
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV funding LLC is continuing tho report false and misleading information on my consumer credit report in direct violation to federal codes. This allegedly creditor does not have a lawful contract with me is continuing to contact me with a cease and desist in place and continues to give my private sources data to a third party that I never authorized to have my private information or has never did any business with
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A