Date Received: 2022-06-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Resurgent Capital Debt have sent unauthorized text messages to a number I do not own or have access to. Cease and Desist contacting this number and send any correspondence of any alleged debt to mailing address. The owner of the phone wants all communication to cease and desist on there number.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: MI
Zip: 48146
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I tried contacting the company to about the debt to have them provide proof that it was me that opened the account and ask them to send pictures of my ID and social security card and contract with my wet signature and if they can't to kindly remove the item but they have yet to respond to my XXXX letters
Company Response:
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of Identity theft and had several accounts opened or attempted to be opened in my name using my personal identifying information. I have since added fraud alerts to my credit reports with XXXX, XXXX and XXXX as well as filed an identity theft report with the Federal Trade Commission. The accounts in question have been removed from my credit reports by the original creditor XXXX and XXXX yet the collection agency LVNV Funding XXXX Resurgent Capital Services is still attempting to collect on them despite my repeated attempts to resolve this matter. I have since disputed the accounts with the three credit bureaus and explained the situation and included Identity Theft affidavits as well as letters received from the original creditors. Yet, LVNV Funding is still trying to collect on accounts that were fraudulently opened. I need this matter resolved asap or I will pursue legal action for damages against LVNV XXXX Resurgent.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This collection agency continues to harass me with phone calls an emails, text messeges and i have asked this compomay to validate the debt but they never do. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX Collection XXXX # XXXX Resurgent Capital Services XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022 Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY Resugent the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? o Yes o No Have any Judgements been obtained by any creditor regarding this account? o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY Resurgent, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Thank You.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Reference : Prior Complaint # XXXX My numerous requests, to Resurgent Capital Services , to supply a single copy of the original document that contains either the last four digits of my social security number or the last four digits of my drivers license, has to date never been supplied. I recently received another correspondent, from Resurgent Capital Services, which contained the exact same document contained in every correspondent received. Resurgent Capital Services can not prove this is my account. Every company that supplies equipment in the XXXX XXXX and beyond performs some level of credit check, as XXXX must have, and include that information in the customers file. However, Resurgent Capital Services can not or will not supply a copy of that original document. Also, as stated in my prior complaint, Resurgent Capital Services attempted to prove I was the owner of two different accounts ; this is definitely the sign of collection company scam. In addition, there were more than 15 families that shared the address on the ranch that Resurgent Capital Services claims is my account statement. This account could have belonged to any one of these employees, since Resurgent Capital Services first insisted that the account ending in # XXXX was mine and then now insisting that the account ending in # XXXX is mine also. Finally, Resurgent Capital Services has never supplied proof they are authorized to collect for LVNV Funding LLC, that they are licensed to collect debts in the state of Florida and their license number, no matter what the state issued. This is information I am entitled to and must be supplied to me, upon request. After speaking with an CFPB agent, on a recorded line, she diplomatically disclosed my legal entitlement to all of the information requested in the dispute letter to Resurgent Capital Services. It would appear LVNV Funding LLC purchased several XXXX debts and instructed Resurgent Capital Services to go on fishing expeditions to locate any person gullible enough to pay them, which could be defined as a classic debt collection scam.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Currently using XXXX and XXXX to garnish my wages without any notice that I defaulted in judgment. This should no longer be on my credit report, yet it's listed as XXXX different balances on XXXX different bureaus.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX XXXX I received a letter from XXXX XXXX XXXX attempting to collect a debt XXXX XXXX XXXX XXXXXXXX XXXX the original date this account opened was XX/XX/XXXX The charge off date was XX/XX/XXXX Statue of limitations in NYS XXXX years. ( XXXX ) This account has LONG expired. Out the the blue XXXX day I get a letter saying I owe {$1000.00} in interest and {$1300.00} of the debt totaling {$2300.00}??? So to protect myself of deceptive I challenged the integrity of the debt the legaty by requesting a letter of validation in regards of the statue of limitations of the debt they are refusing to cooperate and explain WHEN the {$1000.00} in interest when did it all begin where are the dates why dont I see them? Continue to hound me the debt has long expired and an unscrupulous debt collector ( s ) are trying to take advantage by using deceptive behavior phone calls and I want this to STOP! The debt has expired!
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A