Date Received: 2022-11-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was a victim off identity theft I never signed up for this account please delete and report updated balance to my credit reports
Company Response:
State: CT
Zip: 06451
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV funding has illegally reported an alleged debt to my consumer profile. They sent notices which I responded within the proper 30-day windo requesting them to send back to the original creditor due to numerous debt collection agencies seeking on this alleged debt. Instead, LVNV reported the debt anyways to the credit reporting agencies. Immediate removal of all reporting to the credit reporting agencies as the debt was not sent back to the original including responding to the alleged debt in the 30-day window which you do not legally have the right to report anything on my consumer profile. These are both FCRA 623 ( a ) violations and FDCPA Violations if you continue to do so.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
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 submitted debt validate online on XXXX XXXX to XXXX XXXX asking them to validate this debt. Or remove it from credit report. I don't feel like they validated it. The total was {$470.00}. And was contacted by a company called " LVNV Funding LLC. '' I have I idea who " LVNV Funding LLC '' is. I've made no contracts or agreements with them. XXXX XXXX Thank you!!
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a soft inquiry from a company I did not give consent to pull my consumer report. I did not give them my non-public information ( ssn ) I do not know how they obtained my non-public information.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The enterprise member, " XXXX '' threated me ( XXXX XXXX ) consumer that my credit would be damaged in CFPB Complaint ID XXXX. I am intimidated and in fear of my life. Additionally, my credit is my reputation which the enterprise is seeking to ruin. I have been suffering from mental and emotional XXXX and XXXX ever since XXXX shared such DEVESTATED news. I am currently seeking XXXX XXXX XXXX to help me with my mental and emotional stress caused by LVNV Funding LLC, Resurgent Capital Services L.P.,, Resurgent Receivables LLC. This shall be unlawful to cause such acts. May my Holy Father GOD arise against you evil doers according to the Holy Bible. LVNV Funding LLC violated my GOD giving rights. " Contend, O LORD, with those who contend with me ; fight against those who fight against me! Take hold of shield and buckler and rise for my help! Draw the spear and javelin against my pursuers! Say to my soul " I AM YOUR SALVATION! '' Let them be put to shame and dishonor who seek after my life! Let them be turned back and disappointed who devise evil against me! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against LVNV Funding, LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: the last week of XXXX I contacted LVNV FUNDING LLC about the amount they are trying collect is the wrong amount and that they are actually charging me double of what the debt originally was. I was told someone would contact me about the situation but no one ever contacted me.
Company Response:
State: GA
Zip: 31707
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hi, I have tried countless times to dispute the issue with XXXX, XXXX and XXXX pertaining to the incorrect stated amounts owed to XXXX XXXX XXXX. Each time my claim has been returned as confirmed, which is incorrect in a few ways. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to XXXX XXXX XXXX LVNV Funding LLC is not licensed in the state of New York. On that data point alone any and all claims and/or attempt to collect debt from anyone in New York should be taken as a violation of the consumer finance law and an attempt to commit an unlawful act. Cases in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All aforementioned companies has charged off 100 % of all the debt above.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from Resurgent on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to Resurgent. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter ) Resurgent refusing to acknowledge payment for account XXXX and is still collecting on the remaining balance that was to be settled. Also refused to acknowledge the original settlement agreed on acct XXXX for {$3200.00} even though they had the account before the original offer expired.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company is not licensed to collect debt in New York XXXX. I will include proof and I would like this deleted off of my report and the debt thrown out. It is an illegal business practice to try to collect debt in New York without license to do so. Thank you.
Company Response:
State: NY
Zip: 14213
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A