Date Received: 2023-11-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To whom it may concern, I XXXX XXXX are writing to you in reference to a charge off account with XXXX XXXX XXXX whose collection agencies are XXXX XXXX XXXX XXXX, LVNV Funding LLC, and XXXX XXXX XXXX is reporting XXXX conflicting a collection amounts of {$1500.00}, {$1300.00}, and {$1300.00}. This creditor is performing unfair practices, in which has a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Company Response:
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Representative and whom it may concern, This is unacceptable. I am writing to you as an account holder with your institution to formally lodge a credit card dispute and raise substantial legal concerns pertaining to my interactions with your company and certain credit card and loan companies associated with your institution. I assert that these issues have led to undue distress and financial hardships, and I am seeking your immediate assistance in resolving this matter. I. **Harassment by Debt Collectors and Employees : ** I have been persistently subjected to harassment by debt collectors representing your institution and associated credit card and loan companies. Their relentless and intrusive collection efforts have resulted in severe emotional distress. II. **Financial Stress and Lost Opportunities : ** The rigorous pursuit of debt collection and associated financial burdens have caused significant financial stress, impeding opportunities for financial growth and recovery. III. **Utility Companies Charging Higher Security Deposits : ** As a direct consequence of the impairment of my credit profile, which is attributable to actions taken by your institution and associated entities, I have been compelled to provide higher security deposits to utility providers, adding to my financial strain. IV. **Impact on Employment and Earning Potential : ** My credit-related issues have adversely affected my employability, hindering my capacity to generate income and address the outstanding debts, thereby obstructing my path to financial rehabilitation. V. **Increased Interest Rates : ** The degradation of my credit profile has resulted in inflated interest rates, amplifying the cost of outstanding debts and exacerbating my financial challenges. VI. **Loan Approvals and Risk of Homelessness : ** The compromised state of my credit has made loan approvals nearly unattainable, placing me at imminent risk of homelessness due to potential difficulties in securing housing. VII. **Potential Violations of Consumer Protection Laws : ** I firmly believe that your institution, along with the associated credit card and loan companies, may be in violation of several critical consumer protection laws, including, but not limited to, the following : a. Fair Debt Collection Practices Act ( FDCPA ) b. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) c. Deceptive Advertising and Predatory Lending Practices d. Telephone Consumer Protection Act ( TCPA ) e. Fair Credit Reporting Act ( FCRA ) In light of these concerns, I have sought legal counsel and conducted a thorough review of my situation. It is my firm belief that your institution, in conjunction with associated entities, may be acting in contravention of the aforementioned laws, and I am prepared to pursue legal remedies as required. VIII. **Emotional Distress and Health Impact : ** The financial challenges and unceasing collection efforts have taken a significant toll on my emotional well-being, Im in the process of obtaining official written documentation from my healthcare provider confirming the detrimental effects on my health. I formally request your immediate attention and involvement in investigating these matters and providing a comprehensive resolution. I am committed to achieving an equitable and lawful resolution to these issues with your prompt intervention. Thank you for your immediate attention to this matter. Sincerely, account holder
Company Response:
State: AZ
Zip: 85206
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I originally opened an account with XXXX XXXX XXXX on XX/XX/XXXX. Due to unforseen circumstances ; I was terminated from my job and without income for a year. I fell behind on my card payments but eventually set up payment arrangements with XXXX XXXX to rectify the balance. Nevertheless, XXXX XXXX sold the account to Resurgent Capital Services on XX/XX/XXXX. At the time of the sale of my debt ; the balance was only {$250.00} and by the time Resurgent contacted me ; my prior arrangement with XXXX XXXX as well as my payments toward the debt were not calculated into the remaining balance. After making numerous payments to Resurgent ; my account has now been placed with LNV Funding LLC with a new amount different and outrageous than the last amount stated and/or agreed upon. Upon contacting Resurgent to get corrections to the amount, a letter confirming paid status, as well as promise to delete and/or notify XXXX, XXXX, and XXXX of the errors has failed. I spoke with agent XXXX of Resurgent on XX/XX/XXXX and she notified me that they would not send me any information regarding the deletion and/or clarification of being overly billed for the account in question. Upon contacting LVNV Funding ; they stated that the amount of {$700.00} was owed, which is the original amount of the sold debt.
Company Response:
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I think this is the same company on my credit report
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING WITH ACCOUNT # ( 1 ) XXXX Opened on the XX/XX/2022 with a balance of {$2000.00}. Account # ( 2 ) XXXX with a balance of {$2700.00}. The two accounts above was opened fraudulent I never had a contract with LVNV FUNDING for any loan I never heard of this company until I checked my credit report just to see the damages that they have left on my credit report. This company had made my life stressful, financially and emotionally. Non disclosure without consent is IDENTITY THEFT, this is a volition of the LAW therefore I'm asking LVNV FUNDING to delete this fraudulent account from my credit report. I am asking LVNV FUNDING to provide me a signed copy of a contract that I owned them for any loan, and mail it certified to my address.
Company Response:
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This can't be happening!! This company must remove the as they need to validate this account!
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine. This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true. The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them. These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XXXX XXXX XXXX Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XXXX XXXX XXXX Unverified Account
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine. This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true. The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them. These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XX/XX/ Unverified Account
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Subject : Cease and Desist Harassment under Consumer Law ( 15 USC 44, 12 USC 83 ( a ) ) Dear [ Debt Collector 's Name ], I am writing to address a matter of grave concern regarding your company, LVND Funding, and its persistent and troubling collection practices. This letter serves as a formal complaint and demand to cease and desist the harassment I have been subjected to in violation of the Consumer Financial Protection Act ( CFPA ), 15 USC 44, and relevant federal statutes, including 12 USC 83 ( a ). Since 2018, I have been receiving an excessive and alarming number of phone calls from your agency, LVND Funding, in relation to an outstanding debt. These calls have escalated to a point where I am receiving between 9 to 13 calls per day, which not only constitutes a severe breach of my consumer rights but is also causing a tremendous amount of distress in my life. Furthermore, it has come to my attention that some of these calls are characterized by foul language, silent calls, and outright harassment. Such behavior is unacceptable and is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) as well as other consumer protection laws. This ongoing harassment not only disrupts my daily life but has a detrimental impact on my overall well-being. I would like to remind you that the Congress passed the FDCPA to ensure that consumers are protected from abusive, deceptive, and unfair debt collection practices. These calls clearly contradict the principles set forth by the FDCPA and related regulations. I demand that LVND Funding immediately cease all forms of harassment, including but not limited to the excessive number of calls, foul language, and silent calls. This persistent harassment has caused severe hardship in my life, especially considering the challenging economic circumstances we face today. I also request that LVND Funding complies with all relevant federal and state laws regarding debt collection practices. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights and seek remedies provided by law. I expect a prompt response to this letter, confirming your commitment to cease the harassment and outlining the steps you will take to rectify this situation. Your cooperation in this matter is not only a legal obligation but also a crucial step toward resolving this issue amicably.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A