Date Received: 2023-01-26
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: I received a loan from the company XX/XX/2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more then they first gave me. I had disputed before and still no resolution from them. Please help.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
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: Great evening I have a company called LVNV Funding LLC that reported a debt to my account. I do not owe this company any money. They are not the original creditors of the debt. This should have never been reported and it's affecting my credit profile. I reached out to the company and the first rep lied when I asked to speak with a supervisor, the second rep was unprofessional and laughed while I'm trying to discuss account with her, third rep was a lead that didn't help and fourth rep was a supervisor didn't do anything but try to dominate call telling me that this is legal to do when it is clearly not. There is no documentation that anyone can send that I owe LVNV Funding LLC any debt.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have asked LVNV FUNDING LLC to validate the alleged debt that this person claim that I owe, and all this person have provided me are statements and signatures to an Alleged account that this person can not prove is mine. LVNV FUNDING LLC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. LVNV FUNDING LLC failed to validate this alleged debt. This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) Furthermore, LVNV FUNDING LLC does not have any jurisdiction or authority to even collect on this alleged debt.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had two credit cards with XXXX. In XX/XX/2020, I mistakenly paid on my balance on both cards when I intended to pay a different bill. I contacted the creditor and requested the payment be reversed. My due date was still several weeks away. They agreed and reversed the payment. Then they immediately locked me out of my account. I contacted them and they stated that my account has been closed and they cant access any details about my case. I requested that they send me documentation. They did not. Instead, they sold my accounts to a debt collector called MHC Receivables in XX/XX/2020. They made abusive calls and then sold my account to Sherman Originator 2 weeks later. They then sold my accounts to PYOD. PYOD initially made aggressive and threatening calls and then went silent all the way until now by serving me with a court date to sue me. In my credit reports, it verifies that ALL of my accounts have been 100 % on time. I havent had one past due payment. I believe that not only was XXXX predatory in their practice, but that they may have a relationship with debt collectors to prey on consumers. The very few times I ever spoke to a collector, I stated that I would not be willing to agree to anything or confirm anything until I received written statements from them detailing what I owed and why I owed it. Considering I hadnt ever had a past due payment with XXXX and was unclear of my status with them, I wanted to be sure that what was happening wasnt a scam and was legal and accurate. No one ever complied. I only received threats and abuse. And they have even falsified their filing stating I have paid money towards this collection when I havent. I am attaching screenshots that show I have a 100 % payment history. If something was past due to the point where XXXX would charge-off my accounts, it would still show in my history.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: My sister XXXX XXXX informed me that she received a text message from Resurgent Debt Collector that discussed resolving a debt and gave specific amounts due ( image attached ). I have no idea why the message was sent to her. I am not on her phone contract and have never given her number as my own. This is a violation of the practices forbidden by the FDCPA. My privacy rights have been violated and I want all communications with them to be in writing via mail to me since they can't be trusted with personal information via electronic means. I'm sure if this is happening to me, it's happening to others. I recently paid off some debts through them so they do have my correct and current contact information. There was no need to send a message to my sister who does not share my name ( first or last ). How can they send information via text without confirming who the identity of the person receiving it.
Company Response:
State: IN
Zip: 46375
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV FUNDING LLC {$920.00} and {$710.00} have been a negative collection on my credit report for quite some time. I had gone through some devastating hardships including identity theft about the time these accounts appeared on my credit report I do not recall any notifications other than collections from several agency 's. I have diligently worked to clear the negative and recover my good credit. I do not know if LVNV still has these accounts, I believe they may have been sold. I am assuming these may be credit card interest due to the amounts appear to be more than any card limits I have had. I don't feel I have enough information to know if these charges are valid.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I acquired my credit report and asked the LVNV FUNDING LLC to validate as well as check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. And one more thing, they didnt even record the current status of the disputed information. LVNV FUNDING LLC is holding me back from raising my XXXX XXXX so that I may acquire new credit and purchase a house. This is very frustrating and discouraging because I am trying to build positive credit and buy a house for my family but LVNV FUNDING LLC is not doing its job according to the law
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by one of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know my rights.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX XXXX I was served at home by a process server at my home here in XXXX, FL. The company that is trying to sue me is Resurgent- LVNV Funding LLC they were hired by XXXX XXXX Credit Card . That same day I went on XXXX XXXX and XXXX XXXX XXXX XXXX and retrieved the copy of my credit report from all XXXX bureaus. In the report on all XXXX bureaus I was alarmed to see the creditor LVNV is shown on my credit report XXXX times for the following amounts. {$1400.00}, {$720.00}, {$380.00}, {$1200.00}. On XX/XX/XXXX I sent the company a letter of debt validation. On XX/XX/XXXX I received a letter back only validating {$720.00} however the amount was not correct as well as the tenure I had on the credit card with them .This debt collector had counsel and there attorney is the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , FL XXXX. That was there attorney and it was on the court docket but when I sent them the letter they responded directly to me not with there counsel. Today I had court and they advised me they violated under FCBA because they were suppose to go through the attorney and not them directly when the letter was sent back. I would like to report this company for mis information, wrong amounts owed and accounts that I haver no knowledge of. I need it deleted from my credit report.
Company Response:
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Company : XXXXLvnv funding llc Address : XXXX XXXX XXXX XXXX XXXX Zip : XXXX XXXX XXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A