Date Received: 2022-07-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am not familiar with this account RESURGENT/LVNV FUNDING XXXX never received any proof that this account belongs to me. Please provide documentation that the following account RESURGENT/LVNV FUNDING XXXX belongs on my credit report and my rights have not been abrogated.
Company Response:
State: CA
Zip: 92081
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name and information were used fraudulently with LVNV Funding LLC, on XX/XX/2022.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had two times with this company once in Fall of XXXX and once in XXXX of XXXX for two different accounts, who never sent me notices via USPS mail that I had a bill they were sending to a lawyers office in Illinois to serve me with legal documents and sue me to pay for a very old debt that was old. They are debt buyers who are known for being sued for their debt buying practices here in Illinois and in various other states for sidestepping the rules btw. I had no notification from them at all in regards to this old debt. I got no summons from the courts. I got no notification from the lawyers offices except a single piece of paper that arrived after the court date letting me know that it was being set and that I had to show up. It wasn't sent in the proper state law required certified, signature needed envelope or with all of the documentation needed for a court summons from a lawyer in regards to a debtor court hearing. It literally was just a single piece of paper about the court date, which mind you had already passed. This was AFTER they had already started taking money out of my paychecks. I had to reach out to my corporate offices ( who also didn't tell me about this happening ) to find out who was garnishing my wages, what it was for and how much and why. When I got that paperwork, it still didn't tell me the original creditor or give me documentation or copies of the bills. It just had the name of the debt buyer and the amount owed plus court costs. The name of this Debt Buyer is LVNV Funding LLC, they also own several other companies, who also show up on m Credit Report, such as Resurgent XXXX They have several complaints against them and very many lawsuits. Unfortunately we can not afford to sue them for this. They currently are taking TWO garnishments from my check and finished one already in XXXX. Had I known I could report them here, I would have done this much sooner!!!! LVNV Funding LLC is a debt collection agency. According to the Florida Division of Corporations, XXXX XXXX 's principal address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Nevada XXXX XXXX The Consumer Financial Protection Bureau complaint database reflects XXXX complaints ( as of XX/XX/XXXX with a 3 year lookback ). We need to stop this company, any help would be greatly appreciated since they are going against the law in Illinois to buyout debt and chase after people who can't afford to pay their bills and doing illegal garnishments without properly notifying the debtors, putting them in worse situations than they were to begin with ( we almost lost our rental house and couldn't afford food or gas to work ).
Company Response:
State: IL
Zip: 609XX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This debt is over ten years old. I believe it has passed the statuette of limitations. I believe this company is falsifying information to keep this account active. This was sold to this current collection agency. I tried to explain to this current agency I no longer owe this debt, and they argued I'm wrong. They claim that in XX/XX/2020 was activity, but I know only to disagree with it still being owed.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Resurgent bought an alleged debt fromXX/XX/XXXXXXXX performing aggravated identity theft and is trying to collect from me by extortionate means
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I HAVE NEW AND UPDATED INFORMATION, PLEASE REVIEW ATTACHED DOCUMENTS.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I HAVE NEW AND UPDATED INFORMATION, PLEASE SEE ATTACHED DOCUMENTS.
Company Response:
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: to whom it may concern, the following account was charged off. LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX. this account is still being reported on my credit report as open. this is a misrepresentation of my credit obligations and is causing monetary damages.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Back in XXXX, I opened a credit card account with XXXX XXXX. I submitted a payment for the full balance on this card and paid the credit card off with the intention of cancelling the card. After that, I received no communication from XXXX XXXXXXXX other than the balance re-appearing on my credit card and them stating I could no longer access my online account to make payments and that I would need to contact them. XXXX XXXX sent my balance to PYOD LLC collections company for the amount of {$510.00} that I paid. I attempted to dispute the charge with PYOD LLC through XXXX XXXX which did not work. After this, I contacted PYOD LLC directly and informed them I made the payment on this account in full and was not sure why it was sent to collections. They advised I contact XXXX XXXX to receive my full credit card statement with purchases and payments. I contacted XXXX XXXX who said they no longer had access to that information and that I would need to contact PYOD LLC for those records. I contacted PYOD LLC again early in XXXX and informed them of what I found out and they stated they did not have the records and there was nothing they can do other than submit a request to XXXX XXXX. I have still not received my full statements from XXXX XXXX or PYOD LLC and they have this collection on my account hurting my score. PYOD LLC is stating that they can remove my delinquency if I make a payment but have been vague about it and refuse to send any paper communications. This balance is so minimal, however, I do not feel like I should pay this amount a second time when I know I paid it. I think it's very strange that the companies can not even communicate between one another to actually validate the debt OR provide me any information about this debt. I need this collection account removed from my credit report as this amount has been paid in full.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I mailed a validation of Debt letter to Resurgent Capital services on XX/XX/22 which they received on XX/XX/22. In my letter i asked for verifiable documented proof that i owe this alleged debt to Resurgent Capital Services along with a signed contract between me and the original creditor and a signed contract between me and Resurgent Capital that grants them authorization to collect this alleged debt, which they did not produce. Therefore, this alleged debt has now been validated and is reporting on my consumer report inaccurately and illegally. They are also in violation of the following laws which i will be seeking {$1000.00} per violation : 12 CFR sec 1006.34 ( c ) ( 5 ) ( i ) 12 CFR sec 1006.34 ( c ) ( 2 ) ( viii ) - No itemized breakdown of the current amount of the debt provided. 12 CFR sec 1006.34 ( c ) ( 3 ) ( i ) - ( iv ) - INFORMATION ABOUT CONSUMER PROTECTIONS 12 CFR sec 1006.34 ( c ) ( 4 ) ( i ) - ( ii ) CONSUMER RESPONSE INFORMATION 12 CFR SEC 1006.34 ( d ) ( 1 ) FORM OF VALIDATION DISCLOSURE
Company Response:
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A