Date Received: 2022-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently obtained a copy of my credit report. LVNV Funding LLC continues to violate my rights as a consumer according to the Fair Debt Collection Practices Act. Also, this company is in violation according to 15 USC 1692. 15 USC 1692b ( 2 ) 15 USC 1692b ( 4 ) 15 USC 1692c ( A ) 15 USC 1692c ( 1 ) 15 USC 1692c ( 3 ) 15 USC 1692 ( c ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692 d I have attached my license.
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX XXXX sold supposed debt of {$1100.00} to the current creditor LVNV Funding LLC on XX/XX/XXXX which is a violation according to 15 U.S. Code 1692c ( b ) and also furnished negative remarks on my consumer credit report evidencing a debt which violates 15 U.S. Code 1692e ( 8 ). LVNV Funding LLC then proceeded to contact me via a XXXX XXXX XXXX XXXX XXXX which violates 15 U.S. Code 1692e ( 3 ) threatening to levy or garnish earnings violating 15 U.S. Code 1692e ( 4 ) on XX/XX/XXXX. All the while the account was disputed and removed on XX/XX/XXXX from XXXX but not from XXXX and XXXX.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Lvnv funding LLC XXXXXXXX XXXX XXXXXXXX bank XXXX open XXXX amount XXXX sold to this company
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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: On XX/XX/2022 I requested that XXXX remove three items on my credit report. XXXX XXXX XXXX XXXX XXXX LVNV I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.
Company Response:
State: CA
Zip: 95076
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ). In addition, the preceding customer REQUIRES the items listed below : Account Name : LVNV FUNDING LLC Account Number : XXXX
Company Response:
State: IL
Zip: 60139
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: they informed me of a debt that was with XXXX XXXXXXXX XXXX i have sent them many letters in the past asking to show me receipts to prove the debt as it states in the original debter aggrement that they kept sending me with a statement that just showes me just a total. no detailed dates with amounts i had identy theift in the past and they want me to file a police report from back in 2019 the sheriff department said was too long to file i have tried to weork with them on the amounts i owe and not what they are showing. they are rude when call state they can not talk on a recorded line help this is old and needs to be resolved
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I had 2 accounts with XXXX XXXX XXXX. I closed both of them at the same time, one had a balance of less than {$10.00} and the other one was over {$1000.00}. I have been paying on the higher balance one as I agreed with the amount owed. The account ending in XXXX I disputed with Resurgent. They sent me the statements and there are 3 months of no statements where the amount owed went from less than {$10.00} to over {$1700.00} and kept accruing interest and late fees, now totaling {$2100.00}. I have repeatedly asked for them to show where the charges came from on a closed account. The last agent I spoke with at Resurgent advised me that I have to prove I didn't make the charges. No, you have to provide me documentation showing where the charges came from, which they have repeatedly failed to do so. This account was closed, I would be happy to pay the balance that was showing on the final statement that was less than {$10.00}, but I will not pay for any more as I didn't have the card and they can't provide what the charges were after the final statement I had originally received.
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been contacted multiple times from random phone numbers that when I call back are not the collection agency that is trying to reach me and they call multiple times throughout the day. As well as I am being contacted by a third party that does not own the debt I owe and they have been provided my personal information from the company that owns my debt.
Company Response:
State: OR
Zip: 97501
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is a notice of request information. Please provide the following information : All billing statements from the date of account opening Any and all other account level documentation Date of First Delinquency, Date of Last Activity, and Date Open I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. Please forward all correspondence regarding this matter to the address stated above
Company Response:
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A