Date Received: 2023-11-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Getting XXXX XXXX by " LVN V XXXX XXXX bank {$3400.00} '' I never own an XXXX bank account I have no access to this account somebody open a fake account
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Resurgent/LVNV funding has requested payment and I have never had any consumer business dealing from a consumer standpoint, and do not know who they are and request that they cease and desist from trying to collect any debt from me as I do not even know who they are. Also that they be deleted from my consumer profile, credit report on all 3 bureaus.
Company Response:
State: CA
Zip: 93901
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I did receive a timely letter dated XX/XX/XXXX from XXXX XXXX XXXX that my account ending in XXXX was sold to LVNV Funding in the amount of {$710.00}. I ignored it as a scam, or someone trying to get personal information. I never had a bank application from XXXX XXXX. I never made a transaction. I never received a monthly statement or bank card from XXXX XXXX. My wife nor I had no such account. I did receive a timely letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX stating LVNV is offering me a discounted offer of {$700.00} in 6 payments of {$110.00}. I did receive a timely letter dated XXXX XXXX, XXXX from XXXX and XXXX XXXX. stating I owe LVNV {$840.00}. These 3 letters are the only items I received, I received no emails and filed them with a picture of my XXXX XXXX XXXX bank card with my account ending in XXXX that expired in XXXX XXXX. I received a garnishment letter from my employer on XX/XX/XXXX in the amount of {$960.00} ( incl. court costs ). I requested a hearing, it was on XXXX XXXX. The Magistrate at my Municipal Court didn't provide me any more information than I provided here. I didn't see anything he had except he showed me a sealed certified letter that had my name and address on it. He said the prior Judge XXXX signed the order in XXXX and there is nothing he can legally do. I called XXXX XXXX XXXX XXXX on XX/XX/XXXX. She was polite and said a Debt Verification letter will be mailed and to call back when I receive it to explain what I'd like to from there. I called back on XX/XX/XXXX because I haven't received it. She said I should have received on the XXXX. I called XXXX and XXXX on XX/XX/XXXX to request a Debt Verification letter. As of XX/XX/XXXX I still haven't received a letter.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This has removed 2 times and added back on and is causing unnecessary stress. Have asked to verify and they removed it and then re-added. Needs to be removed under the FCRA. Was removed XX/XX/XXXX and then re-added and also deleted XX/XX/XXXX and re-added again
Company Response:
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. LVNV FUNDING LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC. Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This alleged debt was removed from my credit file 3 years ago and reinserted without giving any notice as under the FDCPA SAYS IM SUPPOSED TO GET.
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Third party debt collectors have not shown me proof of any alleged debt on my XXXX credit or any of the other credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a debt collection on my credit report that I dont recognize and how is this account is reporting on my report. I dont recognize the account number I dont recognize the account status or the account high balance nor do I recognize the late payments associated with this. Everything reported here does not meet the FCRA according to 15 us code 1681 1681 b 1681 c 1681 c2. I been in constant communications with this company and they cant even provide information. I filed a report with the XXXX and identify theft.com as well as put a freeze on all credit report bureaus but its still remains
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/202XXXX XXXX XXXX EST, I scheduled a payment for a one time charge to Resurgent Capital Services L.P . The original creditor was XXXX XXXX XXXX XXXXXXXX. The amount that was due was {$880.00}. The customer service representative that successfully helped me confirm the payment was very informative & notified me that the payment processing would likely take up to 3 days. Today is XX/XX/2023, XXXX XXXX, so most federal institutions are most likely not taking deposits, which means the payment will be delayed for more than 3 days.
Company Response:
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A