Date Received: 2022-09-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Requested written documentation of debts I was told I owed. Its been well over a month, and nothing from them. The requests were sent via Certified Mail through the USPS. Im trying to do the right thing by confirming this debt as it negatively affects my credit score. Without the info provided by the creditors or collection agencies, I can not move forward in rebuilding my credit. Its infuriating. XXXX XXXX XXXX in XXXX, VA and Lvnv Funding in XXXX, SC is where the Certified Mail was delivered.
Company Response:
State: TN
Zip: 37849
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of XXXX XXXX fair credit reporting guidelines
Company Response:
State: TN
Zip: 37876
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing on XX/XX/2022 & XX/XX/2022 I received written notification that my account from XXXX was being collected by XXXX XXXX XXXX, XXXX XXXX on the behalf LVNV Funding LLC for the amount of $ {$1300.00}. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. XXXX XXXX XXXX, XXXX XXXX XXXX LVNV Funding LLC XXXX and Resurgent Companies, has violated my privacy. All three credit bureaus are already violated my privacy by reporting LVNV Funding LLC on my consumer reporting file. I need some help with matter.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX Balance {$520.00} Balance updated XX/XX/2022 ACCOUNT STATUS IS INCORRECT
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX CLAIMS I HAVE AN ALLEGED DEBT. XXXX HAS BEEN HARRASSING ME FOR MONTHS. THEY FIST STARTED WITH PHONE CALLS AND NOW ITS DAILY EMAILS XXXX HAS SENT COMMUNICATION THROUGH MEDIUMS OF MAIL DELIVERY PURSUANT TO 15 USC 1692C XXXX IS IN VIOLATION DUE TO CONTACTING MY WITHOUT MY CONSENT. PURSUANT TO 15 USC 1692D XXXX IS IN VIOLATION DUE TO REPEATED PHONE CALLS & EMAILS. PURSUANT TO 15 USC 1692J XXXX EMAILS SHOWS 2 COMPANIES TO WHOM ALLEGED DEBTED IS OWED COMPANIES BEING LVNV FUNDING LLC & XXXX XXXX XXXX THESE COMPANIES ARE IN VIOLATION OF 15 USC 6801 DUE TO NOT CONCEILING MY PRIVATE INFORMATION
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of XXXX XXXX fair credit reporting guidelines
Company Response:
State: TN
Zip: 37876
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a XXXX credit card in XXXX and due to lost of income I was unable to make payment. I have attempted to contact XXXX Bank and to request to XXXX monthly payments on a monthly basis. However, I was told that I have to call them monthly to make the payments. I contacted them several times and made payment over the phone, but it was very difficult to contact them, because the calls went to their customer services in XXXX and I felt discourage to give my credit card to third parties. I requested for my call to be transfer to United States, but finally after many arguments the calls were transferred, but it seemed that the bank just want to hold onto my debt. Every time I made a payment I was told that my balance was {$800.00}. The last time I spoke to the customer representative i requested to pay {$500.00} to close the account and I was told that they could not do that at this time. After that came out the Pandemic and I attempted to contact them unsuccessfully, because no one responded the telephone from the bank After my unsuccessful attempts, I received a letter from Resurgent Capital Services ( LVNV Funding LLC, ( XXXX stating that I owe {$1.00}, XXXX. On XX/XX/XXXX ; Reference ID : XXXX I dispute the validation of my debt and the verification letter. The above agency stated they do not have the validation and they keep harassing me on the phone and XXXX keep sending me tons of emails. Now they reported t the credit bureaus. I feel is unfair that I have to pay this account after so long. This amount is incorrect. I sent letter to all three credit bureaus, but are all against me. On XX/XX/XXXX I received a letter from XXXX stating that my account was sold to Resurgent Acquisitions LLC on XX/XX/XXXX. Why did not accept to pay this account previously. I think this is a way to abuse consumers. I would appreciate tremendously your help in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THIS ACCOUNT ENDING IN XXXX FOR {$550.00} LVNV APPEARS ON MY XXXX AND XXXX XXXX REPORTS TWICE. I HAVE A RIGHT TO A ACCURATE CREDIT REPORT AND THIS IS AN OBVIOUS VIOLATION OF MY FCRA RIGHTS.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV has refused to respond to my request for verification and validation of this alleged debt. I have sent numerous letters and no response. I am demanding a response as well as cease all collection attempts and immediately remove this alleged account from my consumer reports. I am a federally protected consumer and LVNV is in direct violation of my rights. PLEASE SEE ENCLOSED NOTICE OF DISPUTE
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I dispute your claim and i am requesting from you pursuant to the Fair Dept Collection Practices Act, 15 USC 1692g 809 ( 8 ) ( FDCPA } * Provide breakdown of fees including how you calculated what you claim I owe.2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. * Ceas any credit bureau reporting until debt has been validated by me as required under FCRA * Send me proof that you are licensed debt in my state.
Company Response:
State: TX
Zip: 77515
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A