Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed the account and yet they fail to remove.
Company Response:
State: GA
Zip: 30071
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I opened up a XXXX XXXX credit Card in XX/XX/2018 at XXXX XXXX XXXX XXXX. After opening the card I was attempted to pay off the purchase that made the same day that u opened the card, however I was told that I had to wait until I received the credit card. In addition, I was told that I would receive the credit card in approximately a week. After a few weeks lapsed I never received a card, months went by and I still havent received a card. I reached out to XXXX XXXX via phone and explained to them that I never received a card in the mail and nothing was done. Therefore, I went to the store where I opened the card and was able yo pay off the amount of roughy {$38.00}. I paid off the balance with the manager at the time and I explained to her that I never received a card and wasnt able to pay the balance. After about a year I never received the card but I received a letter stating that I owed $ XXXX. I explained to the company that I never received the credit card in the mail and that I had paid off the debt that I owed. Furthermore, I asked for the location of the store where the items were purchase and what was purchased, no one was able to disclose this information to me, and they offered me a settlement of approximately {$170.00}, and I explained to them that I had already paid off my he credit card, despite me never receiving one.
Company Response:
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2022 called the attorney XXXX XXXX XXXX XXXX from Utah, collecting for LVNV Funding LLCXXXX XXXX XXXX , that had my collection account to negotiate the debt, after negotiations we agreed to the amount {$2500.00} and the took from my account a higher amount without my authorization, {$2600.00}
Company Response:
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Sent pay to delete to company. Now have judgment against me. Could not make it to the court date, filed a motion of continuance, it was not granted, judgement was issued immediately.
Company Response:
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have not made any communication with LVNV Funding LLC. However, I have attempted to dispute the trade line listed on my credit report ( XXXX XXXX, XXXX ) multiple times. when disputing the listed trade line, I have given multiple explanations informing LVNV of the error and a resolution that would be in their benefit. However, all three credit bureaus have informed me that the reporting is accurate by LVNV Funding LLC in which LVNV Funding LLC states they owe me a balance of {$620.00}. I requested a method of verification from the major credit bureaus about my dispute results and the investigation steps taken within the 15-day time limit ( FCRA 611 ). Multiple times I was informed that my request to get information about the investigation was marked as frivolous. Therefore, I am operating on the understanding that LVNV Funding LLC owes me a balance of {$620.00} that I have yet to receive.
Company Response:
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2022 I Sent A Debt Validation Letter To LVNV Funding Regarding Account # XXXX And Also A Cease And Desist I Recieved A Response From Resurgent Capital Services For Account # XXXX And What Was Stated On The Letter Was This IS A Attempt To Collect A Debt This Is A Violation Of 15 USC 1692b ( 2 ) That's {$1000.00} For That Violation And I Have Proof Of This Violation Then On The Letter It Stated Because Of The Age Of The Debt LVNV Funding Can Not Sue I Asked For A Paper Trail On This Accout Statements Does Not Validate This " Alleged '' Debt And Further More I Would Like Resergent To Send Me Valid Proof They Are Aurthorized To Collect " Alleged '' Debt In My State If The Account Is " Charged Off '' Then How Is It A Balanced Owed As Well? I Never Received A 1099 I Guess LVNV Funding And Resurgent Capital Services Uses Debt As A Tax Write Off Plus Continue To Collect On Money They Already Received I Have Not Ever Done Any Business With LVNV Funding Or Resurgent Capial Services I Would Like To See A Contract With My Signature With Both Company 's Resurgent Capital Services Is Committing Identity Theft Pursuant to 15 U.S Code 1681a ( q ) ( 3 ) Resergent Capital Services has commited the act of " Identity Theft '' Using the identifying information of such Person, Never Gave Them Written Instructions To Furnish Any Information About Me To The Credit Reporting Agenices Resurgent Capital Services Is Causing Me Great Mental Anguish And I Will Seek Litigation {$1000.00} Per Violation As Stated On The Cease And Desist I Would Like A Check Mailed To Me As I HAve Valid Proof Of Your Violations The FCRA IS Here To Protect Me And I Have Rights And You Have Broken Them Also Iv'e Sent A Affidavit Of Truth And Fauiler To Respond To It Line By Line Will Result Is Litigation
Company Response:
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I was served paperwork by a private server that stated the alleged debt for a credit card and the fact they were prepared to take me to court. I responded XX/XX/2021 to the attorney who filed, XXXX XXXX XXXX at the address given to me on the papers served, as well as several letters to LVNV Funding disputing said debt. Time passes and I do not hear back. I assumed they had dropped the issue due to my dispute and my statement of limited employment due to a XXXX. I was then sent, by mail, papers from XXXX XXXX XXXX in XXXX that since i did not respond nor show up for court a default judgement was ordered. I sent a copy of the dispute letter to both the court and XXXX XXXX XXXX again stating that i did respond and that I was never notified of a court date so I was disputing the judgement. Again, I here from no one. I look up my info on XXXX to get answers and I see it was posted that there were no findings of me telling the truth. Plaintiff stated nothing was received. I sent the prof. and no one can tell or show me how I was notified of a court date. I was completely dismissed. Now the same creditor, different lawyer is trying to do it again with a different debt. I feel since I am so close to the statute of limitations for credit card debt that they are just pushing things through with no regards to my rights or policies.
Company Response:
State: IN
Zip: 46947
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX, XXXX filed Judgement with Superior Court of California, XXXX XXXX on XX/XX/2012 ; case : XXXX Platfiff : CACH , LLC XXXX against XXXX XXXX and XXXX XXXX XXXX. Before filing the judgement, the firm failed to follow prescribed procedures to deliver notices requiring debt. After I accidentally discovered the filing was placed with XXXX XXXX office, I was shocked! On numerous occasions, I attempted to contact the firm by phone and in writing to provide me the original documents to verify the debt. XXXX XXXX XXXX XXXX XXXX representatives either ignored me or kept on saying that the debt verification and confirmation would be sent over my current address, but I have not received anything what I asked ever since! I am convinced this is a Freud and would like to flag this firm for acting unprofessionally. I am really hopeful that CFPB will be able to help me resolve this situation and enforce XXXX XXXX to provide me with documents I have been requesting for many years. Attaching the very recent letter I sent to the firm which was yet again ignored.
Company Response:
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: AS OF XX/XX/XXXX LVNV FUNDING LLC ACCOUNT NUMBER : XXXX IS FALSELY REPORTING LATE PAYMENTS ON MY XXXX CREDIT REPORT. LVNV IS REPORTING TO XXXX THAT I WAS LATE PAYING THEM 120 DAYS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I HAVE NEVER MADE ANY PAYMENTS OR HAD ANY FINANCIAL OBLIGATION TO THIS COMPANY. I HAVE BEEN DISPUTING THIS ACCOUNT WITH XXXX FOR SOME TIME AND NO PROGRESS HAS BEEN MADE. DUE TO THESE INCORRECT LATE PAYMENTS, I HAVE BEEN DENIED CREDIT DUE TO THIS ERROR REPORTED BY LVNV. IN ADDITION, I WAS NEVER GIVEN THE RIGHT TO DISPUTE THIS ACCOUNT BEFORE IT ENDED UP ON MY CREDIT REPORT. LVNV HAS VIOLATED FCRA 15 U.S. CODE 1692e ( 10 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV aka Resurgent Capital Service a company from South Caroline filed a civil lawsuit against me in XXXX XXXX NJ ( XXXX, NJ ) without contacting me or verifying the debt.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A