Date Received: 2023-12-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My Car Was repossessed on XX/XX/XXXX. I find out it was repossessed by a debt buyer ( LVNV Funding LLC ) who bought the debt last year. I contacted the debt collection agency handling the account ( XXXX XXXX XXXX ) on XX/XX/XXXX to see was going on. They proceeded to tell me that they bought the debt and that I needed to pay the full balance of XXXX to obtain my car and that was owed. I never received a letter saying they bought the debt. I never received a letter saying I defaulted on a payment from them which a payment plan was never established, didn't give me an option to reinstate, just that I needed to pay the full balance to obtain my car or else they will sell. On XX/XX/XXXX, I received a letter from them which had my name and address on the envelope but the contents on the inside which was an XXXX XXXX XXXX XXXX XXXX XXXX was someone else ( " XXXX '' for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ). None of my information was present inside the envelope. When I contacted them on XX/XX/XXXX to tell them about what they have done they acted like it wasn't a big deal and that they would send me another notice and I would have XXXX days after that to retrieve my vehicle or they would sell it. I explained to them about what I understood the law to be and they have to follow certain rules and they brushed it off like they were following the law. I let them know that by law I was supposed to receive a XXXX XXXX XXXX XXXX XXXX ) stating how to retrieve my vehicle, impound fees, and itemized list of my personal belongings in the car which I still have not received. On that phone call, I requested for all of the information including contracts from original creditor that they received when they purchased the debt. They will let someone know that I was requesting that and see what they can do. On XX/XX/XXXX I received an envelope containing various letters XXXX which was the wrong information again ( " XXXX '' for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ) another letter dated XX/XX/XXXX that is a notice that states that LVNV Funding LLC purchased the debt XX/XX/XXXX and will be serviced by Resurgent Capital Services L.P. Another Notice dated XX/XX/XXXX that was a XXXX XXXX XXXX XXXX XXXX XXXX that states the amount I am defaulted on is XXXX and that amount is due from XXXX days of the date of the notice, or my car can be repossessed. Remember my car was repossessed XX/XX/XXXX and they are barely sending me this notice that my car can be repossessed if I don't pay the defaulted amount. Again, we Never established a payment plan or payment option because I never received any letters from them. Another letter contained in the envelope was dated you guessed it XX/XX/XXXX which was the XXXX XXXX XXXX XXXX XXXX XXXX that they have my vehicle because I broke promises in my agreement ( No Agreement Was Established ) and that they will sell vehicle in a ( Private Sale ) sometime after XX/XX/XXXX and remember I received the envelope XX/XX/XXXX. The letter was dated XX/XX/XXXX and the postage date was XX/XX/XXXX ( I believe done purposely to pass time so they can sell and not give me many options ). Another letter contain in the Envelope was information containing information about the original creditor stating that my account from XXXX XXXX XXXX XXXX ending in XXXX as of XX/XX/XXXX I owed XXXX and between XX/XX/XXXX and today I was charged amount in interest XXXX. I was charged amount in fees XXXX. it also states I paid or I was credited this amount towards the debt XXXX and total amount of debt is now XXXX. they sent me a list of my payments and what the final payment that was charged off which was XXXX which is different from which they say I owe. They did not send me the original contracts I requested and all other information they received on the file when they bought the debt ( I feel done purposely to deny me my rights ). Its car was repossessed on XX/XX/XXXX and today its XX/XX/XXXX, I have still yet to receive a XXXX XXXX XXXX from the repossession company with itemized list of my belongings. there is no information on XXXX where the repossession company is located and the debt collection company have not been abiding by the laws ( in my opinion ) and violating my rights. I tried to settle with them over the phone to accept a lower amount and they stuck to the XXXX ( even though they bought the debt for much less ) They did not give me an option to reinstate. They did not give me the full information I requested ( just selective information they chose ). I would like a full investigation into their shady practices and tactics.
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had requested a Debt Validation procedure for the specified item they have reported on my credit report. Regrettably, these agencies has repeatedly failed, for the fourth time, to furnish the legally required documents that I have requested. These documents include, but are not limited to : 1. The ORIGINAL CREDITOR 2. The ORIGINAL AMOUNT owed ( with the complete payment history, starting with the 3. original creditor. ) 3. ANY and ALL documentation that shows an agreement to pay someone this sum of money. 4. Agreement that gives you the power to collect on this alleged debt in my State of residence.
Company Response:
State: TX
Zip: 76708
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV FUNDING reported a debt on my credit report without any contacting me. I didn't find out about this debt they claim I owe until I checked my credit report. my credit report states that I owe LVNV FUNDING {$780.00}. Credit report shows that the account was open XX/XX/2022. I disputed the debt and XXXX stated that the debt was verified. I never received any information about the debt from LVNV FUNDING.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Company Response:
State: NY
Zip: 148XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am currently a Client with XXXX XXXX. This is a debt consolidation firm. I had two accounts with XXXX XXXX XXXX. One account was settled XX/XX/2023. The other account I am currently making payments through XXXX XXXX XXXX XXXX XXXX to pay towards the settlement amount of {$850.00}. The original balance was {$18000.00}. XXXX XXXX has fraudulently reported that account to a collection agency LVNV Funding LLC for {$1700.00}, which is incorrect or a fake account XXXX XXXX created to collect additional funds after the settlement of {$850.00} has been reached with XXXX XXXX
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Pursuant to 18usc 8, I owe no debt, this company is violating my consumer right to privacy persuant to 15 usc 1681 b2 company has also no permission to report anything using my info pursuant to 15 usc 16814. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response:
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a certified letter to LVNV requesting proof of debt validation due to my unfamiliarity with the reported account. Simultaneously, I contacted the credit bureaus, who subsequently sent me a report indicating that they had verified the information. Upon receiving this report, I sent another letter to the credit bureaus, seeking clarification on the process they used to verify the account information. However, I have not received any response from LVNV or the credit bureaus regarding the requested information. Given the strict regulations of the Fair Credit Reporting Act aimed at ensuring maximum possible accuracy in reported information, I find it perplexing that the same information is still being reported without evidence of a thorough investigation.
Company Response:
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a company LVNV Funding LLC, which showed up on all my credit reports I believe in XXXX of this year. I do not know who this company is and I have never done business with this company. I have requested documentation show I have or had an account with them and they have yet to provide the information
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After several attempts to dispute the debt via XXXX, XXXX, and XXXX sending the letter I sent to " Resurgent '' Current Owner LVNV Funding LLC and the Original Creditor XXXX. Reference ID : XXXX I received a letter stating that the debt was " valid '' I had not received any of the requested documents, just a letter saying " It's a valid debt ''. On XX/XX/2023 I received a letter from Resurgent stating that they needed a copy of the police report attached which was sent to they and the three bureaus. Additionally, I sent over copies of my bills, I sent copies of the police report and yet they have refused to acknowledge or delete this erroneous debt. I have been requesting documents since XXXX XXXX 15 U.S. Code 1692g - Validation of debts protects my rights as a consumer and requires they provide substantive proof that this is my debt. There has been willful negligence of their duty as outlined in section 5 ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If necessary, I am willing and ready for all FCRA violations will be heard in federal court. As a former attorney, I am well aware of my rights and the requirements of the bureau to accurately report. We are over 200 days since I've been given substantive proof this debt belongs to me ( which it does not ) which is well past the 30 day mark
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On the XXXX XXXX, XXXX, I received another mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, representing a debt collection agency, LVNV Funding LLC, in reference to an old, XXXX XXXXXXXX account, from almost two decades ago. The letter did not state or specify an actual amount owed, but threatened to garnish my wages, if I do not respond within 10 days. Not exactly sure if these scoundrels who pose as debt collectors really think that Im some type of ignoramus or a pushover, that will easily cower to their chicanery. Let me make it clear, for the umpteenth time, that I do not owe this debt, and wont fall for their perfidy. Keep digging up old, unsubstantiated accounts, and I will continue to report you to the CFPB, until you become moribund and out of business! Might I also add that I conducted a search, using the docket number XXXX, XXXX XXXXXXXX XXXX XXXX, associated with the account, and turns to be non-existent. A complete sham! The courts website : portal.courts.gov, does not have anything remotely close to this dubious judgement. This is a time-barred account that totally lacks merit, and in all pithiness, null and void. Finally, this is a cease and desist letter adjuring LVNV Funding LLC, its associates and subsidiaries to stop, henceforth, any communication or correspondence, regarding this meritless account or debt.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A