Date Received: 2022-10-05
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was LVNV Funding LLC over a debt from XXXX in XXXX. I have never had anything in collections from them.
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have never had a contact with LVNV they state there was a creditor called 12 credit one who they bought the collection account from which they can not verify as mine. They gave the LVNV account showing inaccurate information such as open and also {$570.00} which is an incorrect amount showing owed yet they cant validate the debt and do not gave any written contracts showing consent. Id like it to be removed or deleted thank you. I sent certified letters to the credit bureau and companies without receiving a proper resolution
Company Response:
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contact LVNV FUNDING also known as Resurgent capital services on XX/XX/2022 and discuss the collection amount on my credit. Customer service name XXXX XXXX on the phone negotiated with me to pay XXXX XXXX for XXXXXXXX XXXX collection amount on my credit. They assure me over the phone that if I can pay XXXX $ collection amount on the credit will be considered as paid in full and it will be removed from my credit. I manage to get XXXX $ and sent the cashiers check to resurgent capital but they refuse to take it off my credit instead they demand XXXX $ from me.. I feel this is the false statement on behalf of a debt collection agency. Due to this collection I am having difficulty finding housing and job in this tough economic times when everything is so expensive. I have to pay insane amount of extra interest on anything I need .. please held this debt company responsible for making false statements and ripping off hard working people.
Company Response:
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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: Resurgent Capital Services L.P. asserts to be the servicer for LVNV Funding LLC reporting a Collection on my credit reports for an account alleged to have originated with XXXX XXXX Bank, XXXX. To be clear XXXX XXXX Bank, XXXX. is not my original creditor and was never my original creditor. There is no contractual relationship in writing containing my signature for any such account that was opened with XXXX XXXX Bank, XXXX. to extend credit to me. My credit reports don't show any account that was opened by XXXX XXXX Bank, XXXX. that is Charged Off, Open, Closed, Past Due, Default, Late, or expressly any data showing a creditor relationship between myself and XXXX XXXX Bank, NA. Resurgent Capital Services L.P. is incorrectly confirming that an Account was charged off on XX/XX/XXXX, with a balance of {$1800.00} owed to XXXX XXXX Bank, XXXX. that is owed by me. No such evidence exists on my credit reports and not showing in my credit file. This information does not appear on my credit reports that a Charge Off balance is owed by me to XXXX XXXX Bank, XXXX. with a balance of {$1800.00}, and for any such last payment in the amount of {$90.00} was received on XX/XX/XXXX. Instead, Resurgent Capital Services L.P. and LVNV Funding LLC are improperly reporting a Collection account on my credit report for a balance owed to XXXX XXXX Bank, XXXX. While no Charge Off is reported by XXXX XXXX Bank, XXXX. for any such balance that is owed by me. Resurgent Capital Services L.P. as a servicer is falsely reporting a balance owed by me to XXXX XXXX Bank, XXXX. without validation nor a contractual agreement containing my signature. Further, XXXX XXXX Bank, XXXX. isn't reporting any such Charge Off on my credit reports that Resurgent Capital Services L.P. is claiming that is owed by me. Causing extreme harm and damage to my credit reports. Resurgent Capital Services L.P. remains in direct violation of the Fair Debt Collections Practice Act and carrying out unfair and unconscionable means to collect and attempt to collect a debt unlawful.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I, XXXX XXXX, consumer, HEREBY DEMAND LVNV Funding LLC to comply with the Fair Debt Collection Practices Act15 U.S. Code 1692g ( b ) - Validation of debts. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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: Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried contacting LVNV about a debt thats on my credit report who gives me the run around and tells me to contact another company called resurgent who then tells me to contact a business called XXXX and XXXX who will not give me any info on the debt they are claiming I owe. I keep getting a run around with no information on the debt. I have told all 3 companies that I want an original copy of the contract, with my signature, they are claiming I owe a debt to and LVNV says I need to call resurgent who tells me to call XXXX and XXXX. But if LVNV is reporting the debt to the credit bureaus then they need so provide the originally signed documents or have the collection removed from all 3 bureaus
Company Response:
State: IN
Zip: 47802
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed this collection 6 times and it was taken off my report years ago and put right back on I have screen shots of proof now they are calling me with a new amount saying lcvc was originator but they are collecting I told them it was deleted 3x and they didnt care
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This debt collector/buyer has been on and off my credit report because i disputed the balance owed as incorrect. For the past two years. I received a letter by mail last month in XXXX. This was an attempt to settle the account of the balance of {$2400.00}. They did not sent me a debt validation letter. I responded back with a certified mail debt validation request. They did not respond back in a timely manner. Instead, they decided to share my personal information and details of this account with a third-party service, possibly a debt collection service/firm. After I received this debt validation from this third-party service, I decided to seize and desist both the debt collector/ buyer and the third-service provider because they did not respond to all my request in my debt validation letter. They violated my seize and desist request, the third-party debt collection service entity. I do not trust the integrity of these debt collectors after they took this action. No information other than statement balances and no bill of sale or contract from original creditors presented. The account reads as this XXXX XXXX card by XXXX XXXX, this account was sold to LVNV funding llc and its third-party service is XXXX XXXX XXXX XXXX I did not enter into any written or verbal agreements to repay this debt. They did not verify the debt in full untill i seize and desisted both of them.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX case number XXXX XXXX XXXX LVNV funding agency garnished my wages for 25 % of my pay without notice cant afford legal representation due to fanatical hard ship and the judge granted LVNV request to continue garnishing my wages. I can not afford this money being taken away from me dont know where to go from here. I never opened up an account with this creditor and have disputed several times. Was also never served any counts papers they just started to garnish my wages since XX/XX/XXXX for a debt I have zero knowledge of. Last court appearance XX/XX/XXXX XXXX XXXX court XXXX XXXX is the clerk
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A