Date Received: 2023-04-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Lvnv fund is trying to sue for a debt that is wrote off and not rightfully owned by them for XXXX
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/XXXX Lviv funding sent legal order to my business account at XXXX XXXX bank for a personal credit card debt. The judgment was issued was issued XX/XX/XXXX before I started my business. I have a personal account at XXXX bank but the collection company sent the legal order to my llc account for a personal debt. I asked XXXX XXXX legal order team to send me a copy of the legal order XX/XX/XXXX I still have not gotten it. They also told me I could get it from the branch but the branch would not give it to me. I called the collection company and explained to them that they took money from my XXXX account not my personal account and was told they could. I am not XXXX XXXX XXXX XXXX XXXX XXXX my wife is XXXX XXXX XXXX but not on the bank account the collection company also took money from a person that does not owe them anything.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To whom this may concern, I have taken a look at my credit report and notice several inaccuracies and wrongful reporting with a 3rd party debt collection company named LVNV FUNDING. They are reporting a debt stating that I owe them {$420.00}. I have never conducted business, signed a contract or agree with any terms with them. I sent them a debt validation on XX/XX/2023 certified mail asking them to provide me documentation of the debt they claim that I have with them. I NEVER had a contract with them. I never gave them permission to report anything on my credit report. They stated they are collecting a debt from a company named XXXX XXXXXXXX XXXX XXXX XXXX. They sent documents to me that is pointless and didnt prove anything. They didnt send anything with my signature, they didnt send a contract, they didnt send anything besides a print off of some statement. To make matters worse, another company that they are working with called RESURGENT CAPITAL SERVICES sent me these papers on behalf of LVNV FUNDING. Im confused at this point because it seems like this company is all over the place and cant provide any documentation and my information is getting passed around on this CLAIM DEBT. If they purchased debt from XXXX XXXX XXXX XXXX XXXX, that has been written off that is illegal. They lied about investigating it and not removing it from my report is noncompliance with the FCRA laws. They are furnishing information without my written consent. When I was looking at my credit report they are reporting information wrong across ALL THREE BUREAU. XXXX entitled to a 100 % accurate credit report. XXXX XXXX and XXXX is reporting the collection account OPEN and XXXX is reporting it as closed. How is this possible? How can a collection account be OPEN? FCRA violation 2nd XXXX is reporting this account as being Late 120 days for the payment status. How is a charge off collection still reporting a late payment status? FCRA violation. 3rd XXXX and XXXX is reporting a PAST DUE balance. Charge off collections shouldnt be reporting past due balances. Correct? FCRA violation 4th Why isnt the original creditor listed on XXXX and XXXX? 5th The dates of last activity, date reported and date open has different dates all across the board. 6th The document of the claim debt they sent me the account number doesnt match on my credit report. I can list several reasons of the inaccuracies of this account. As a consumer this is slandering and Im entitled to a fair accurate credit report by law. I know my rights. Im demanding for this to be removed from my credit report. Im also attaching evidence to support my claims. Please see the attachments. In accordance with the Fair Credit Reporting Act LVNV FUNDING has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. There shouldnt be damages on my credit report. Its a defamation to my character. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 15 U.S.C 1681g
Company Response:
State: KY
Zip: 40272
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XXXX I, XXXX XXXX Federally protected Consumer and Natural person extended credit to LVNV FUNDING LLC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent LVNV FUNDING LLC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. LVNV FUNDING LLC is now civilly and criminally liable for violating my consumer rights. LVNV FUNDING LLC union has yet to resolve this matter.
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I sent lvnv funding/resurgent asking them the verification & validation letter. I only received a verification letter. They didn't send me all the information that I requested. After looking at what they sent I realized the amounts is different on the last statement they sent from XXXX vs what lvnv has listed. The information don't match & is inaccurate. The last statement say new balance {$480.00} previous balance {$470.00} vs what they say is {$450.00}. I sent them a letter asking for all billing statements & the original contract with my signature. I didn't receive it only one statement. I will include the letter I sent along with what they sent me. The {$450.00} is also being reported on my credit. I want to know how they come up with this amount vs what the statement say. There is no proof of how they came up with this amount im sure that's a violation
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: My brother informed me that he was contacted and harassed by a debt collector. Then I had an other debt collector sending letter for the same reasons. Two debts are contacting for the same reasons. It it overwhelmed with this situation. It is old debts and it is expired a long time ago, but I am still being harasser with phone calls and letters.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am not familiar with LVNV FUNDING LLC, but there is a collection on my credit report claiming that I owe a debt to your company for the amount of {$500.00}, but I am confused where this misinformation is coming from. I was never informed that this debt was sold to you therefore I am a bit skeptical making a payment to an unverified company. Also, my balance with the original creditor is not the same as the balance that you are reporting on my credit report. Please explain how this meets FCRA requirements. Lastly, I have not received any proof that this account is mine especially since the balance is not correct. My personal information was involved in a data breach, so it is quite possible that my information was compromised. Please provide the original contract with my signature, correspondence that was sent to me to inform me that the account was sold, a copy of my photo id and social security card, the amount in which you purchased the debt, and a license to collect debt in the state of XXXX.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive recently filed an complaint that was close. Which I feel it shouldnt have been. They appeared to have satisfied your requirements but not to me. I am still not convinced or have proper documents that I am required to owe any debt to the alleged current owner. I have no documentation that Resurgent is people Im to answer to due to the fact LVNV is listed as the current owner. Not Resurgent. I have yet to receive communication between the original creditor XXXX and LVNV as far as a signed documents between he two authorizing them to collect or documentation of them buying this debt let alone it being turned over to Resurgent. Also According to Resurgent they were authorized to collect on this as of Effective XX/XX/2021 ; as of this time LVNV Funding placed this account with them. How is this so when I have a document dated XX/XX/2021 saying this account was in hands of XXXX XXXX XXXX. There for it was supposedly in someones elses possession at time Resurgent is claiming possession. Therefore additional information is required bill of sale, receipt of sale. Signed documentation between original creditor and Resurgent stating that they are required to collect. On this.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Shows open since XX/XX/2022 this should be the last pymnt received on this charge off not when they took over the account
Company Response:
State: ID
Zip: 83201
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The company LVNV FUNDING ALSO KNOW AS Resurgent Capital Services has been calling multiple times consistently. I requested a contract or a agreement signed by all parties involved and they were not able to provide. but continue to call. I've ask for it to be removed. under federal regulation they should not be harassing me with multiple calls or threats. the amount on my report {$1400.00}
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A