Date Received: 2022-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Resurgent Capital Services is sending fraudulent documents to XXXX XXXX, which is not me. They are conducting mail fraud with these actions as well as contract fraud, racketeering, and copyright infringement. I have repeatedly asked them to purge their records and the request is blatantly ignored.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I pulled my consumer report and noticed that RESURGENT/LVNV FUNDING is furnishing negative information to the consumer reporting agencies. I am aware that as a consumer I have the RIGHT for my information to not be displayed. I also did not give permission for RESURGENT/LVNV FUNDING to furnish any information on my reports. Also the timing of these payments reported are inaccurate and should not be displayed as past due or in collections. This is a direct violation under 15. U. S. Code 1666b. Please be advised that my consumer should be equitable to me at all times. I would like for RESURGENT/LVNV FUNDING to cease all communication regarding this alleged debt. A Cease and desist letter is attached to this report. I also am exercising my rights refusing to pay this alleged debt that was parked on my consumer report.
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I keep submitting complaints against Resurgent Capital. They keep claiming they are going to delete my information but keep sending letters. Can they be held accountable?
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent in an FTC identity theft affidavit to this company because this account is not mine and Has never been mine. They continue to report this fraudulent account on my report.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt is {$2000.00} and I have no idea what its for but I don't have any money for that and its just a matter of what is going on in my credit history
Company Response:
State: OK
Zip: 747XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/2022 and XX/XX/2022, I sent XXXX a request to reinvestigate incorrect items which were listed in my credit history report. There was a collection for XXXX no orginal creditor listed just LVNVFUNDG. I asked for verification and reinvestigation. They updated comments saying that i dispute the account but nothing was corrected. I also reached out to the collection agency and recieved nothing back. I contacted them twice. Please note that i sent mail to LVNV certified becuase i didnt get a response. The traccking number with USPS is XXXX
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I have several collections accounts on my credit report through LVNV and Resurgent. They keep calling and threatening me and calling too late at night!! It's ridiculous!
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am trying to purchase a home. I don't earn enough money to apply on my own. My mother is a co-applicant and I finally got a preapproval after at least 12 attempts to get a loan without a cosigner. LVNV and Resurgent have 2 negative marks on my credit report. I tried to dispute them because I have been living on a very limited income for over 8 years. I called to see if I could settle on both, one over {$400.00} the other over {$600.00}. I only receive a check for {$950.00} and my rent is XXXX. The settlement amount were no more than {$50.00} less than the actual balance. I asked about a hardship discharge and I was given the instructions on how to apply. I was not informed during the initial contact and a subsequent follow-up to check the status of the application that their hardship is temporary and I could make small payments during this time, which I still don't know what the time frame is for the hardship. My option is to agree to a plan for $ XXXX for about 3 years. I asked would the items be taken out of the delinquent status once I started paying. I was told that once I paid for the loan completely then it will be removed from negative. This is causing me to not be able to get affordable housing and I can't get the mortgage until I get them resolved. And the terms of the estimated loan amount, 15 years on XXXX are not favorable to the circumstances. I asked about the 30 year fixed, I asked about the fannie mae home ready and I was told that it was determined by the computer system.I don't know why we were not informed about the credit items when they did the credit check, but they reduced the amount of the loan estimate from $ XXXX to $ XXXX, which includes a down payment amount, but I already have a down payment. 15 years in my case is not realistic. If i need a cosigner to be approved, why would I be placed on such strict terms? I am still trying to get the collectors holding the delinquents on my account to work with me on reasonable terms.I thought I would be done with the challenges that I have endured by myself but it continues, there's always a new hurdle to cross, but there is a pattern that is undeniable. Can collection companies refuse to remove the old accounts that prevent me from obtaining affordable housing? I have at least XXXX inquiries on my report and they are all mortgage inquiries.
Company Response:
State: TX
Zip: 77590
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Dont remember everything, just know de person was very rude and nasty 2 me on my cell phone of me get properties taking away and needs be in court if not i will be sued lawsuit against me_ LVNV Funding LLCXXXX
Company Response:
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX opened a credit card for XXXX XXXX Using my social security number ending in XXXX My legal name is XXXX XXXX XXXX of {$740.00} XXXX XXXX XXXX XXXX XXXX Open account XX/XX/XXXX XX/XX/XXXX {$740.00} XX/XX/XXXX {$740.00} Individual account Comments : Placed for collection Contact Information : XXXX / XXXX. XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A