Date Received: 2023-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I tried contacting LVNV Funding LLC & the original creditor XXXX XXXX XXXX about account XXXX multiple times. The original creditor literally had XXXX XXXX of my information & the debt collector LVNV Funding LLC I have proof my identity was stolen I have police report & affidavit from months prior nobody is trying to help just asking me to make a payment on an account thats not mines. The account has been deleted from my XXXX report as of last week, it was also removed from my XXXX report but re added the next day to closed accounts & unpaid & IT still remains on my XXXX report. This is harmful to my health and a defamation of my character. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC. \
Company Response:
State: TX
Zip: 77642
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Trying to collect on account that I have no knowledge of I never done business with this company XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/XXXX XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72301
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: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am filing a formal complaint regarding the debt collection practices of LVNV Funding LLC and related entities. On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending a letter to request validation of a debt, verification of ownership, and proof that the debt is indeed mine. I also explicitly requested that LVNV Funding LLC refrain from further collection activities until these verifications were provided. Following my initial communication, I received collection notices from various entities, including XXXX XXXX and XXXX XXXX XXXX, which created confusion and uncertainty regarding the legitimate debt collector and the amount owed. On XX/XX/2023, I received an email from XXXX XXXXd, indicating an outstanding debt of {$1600.00} attributed to LVNV Funding LLC, adding to the confusion. On XX/XX/2023, I received a collection notice for a different amount, {$2000.00}, with an attached statement from XXXX XXXX that did not provide a clear breakdown of charges or a valid explanation for the amount sought. In the same correspondence, an " account summary '' indicated that LVNV Funding LLC was the purported owner of the debt. This pattern continued when, on XX/XX/2023, I received another collection notice, this time from XXXX XXXX XXXX, also demanding {$2000.00}, with the same account summary and credit card statement, causing further confusion. Most recently, on XX/XX/2023, I received an email from XXXX XXXX, once again seeking a payment of {$2000.00}. Throughout this entire process, I have not received the requested contract, statements detailing the balance due for specific charges, proof of debt ownership, or proper validation of the debt in question. I am deeply concerned about the irregularities, discrepancies, and apparent violations of the Fair Debt Collection Practices Act ( FDCPA ) that have occurred during this debt collection process, including the failure to provide proper validation of the debt, communication from multiple entities on behalf of LVNV Funding LLC, and the lack of clear, transparent, and detailed account statements explaining the balance being sought. I believe that these actions and practices may constitute violations of my rights under the FDCPA and related consumer protection statutes. Therefore, I am filing this complaint to request a thorough investigation into these matters and to seek resolution in accordance with the law. I kindly request that you review the attached documentation and any further details necessary to assess and address these concerns. I remain committed to resolving any valid financial obligations I may have, but I insist that all collection activities are conducted within the boundaries of the law and with full transparency.
Company Response:
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt collectors keep texting and calling for a credit card called 'XXXX XXXX XXXX XXXX ' I have never opened up credit card. I think someone used my information.
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am writing to bring to your attention an issue I recently identified on my credit report, which I strongly believe to be inaccurate and detrimental to my credit status. The item in question, as detailed below, is adversely impacting my financial standing : Account # : XXXX Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2023 Balance : {$450.00} No. of Months ( terms ) : 1 High Credit : {$690.00} Credit Limit : {$0.00} Past Due : {$450.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 Comments : Customer disputed account - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/2023 Date of Last Payment : XX/XX/2023 Per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I have personally observed this entry and can confirm that it is both erroneous and adversely affecting my credit profile. Consequently, I insist on its immediate removal from my credit report to rectify the damage it has caused to my financial standing. I kindly urge you to undertake a thorough investigation to validate the accuracy of this information with the creditor. Should it be verified as inaccurate or unverifiable, I request its swift removal from my credit report. Under the FCRA, I understand that you are required to complete this investigation within 30 days and provide a response to my request. Therefore, I kindly request that you expedite this process as much as possible to alleviate the adverse impact on my credit. Furthermore, I request that you acknowledge receipt of this dispute letter within 10 business days and provide me with a case or reference number for tracking purposes. Thank you for your prompt attention to this matter. I am dedicated to resolving this dispute in a timely and cooperative manner and sincerely appreciate your assistance in helping to maintain the accuracy of my credit report.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Requested debt validation from LNVN funding with no response to have alleged debt validated. This account appear on my credit report without my knowledge after researching it shows to have come an account that was previously disputed and removed from my consumer report by XXXX XXXX I have attached the document. I then sent a request to LVNV to verify the account and to provide me with the sales agreement accounting ledger my consent to pay them on the alleged debt my signature their license number so I can investigate further to see if they are authorized to collect in my state and to swear under perjury and still till this day I havent received any response or the information requested as I have the right for request validation by law. This behavior is totally unacceptable and this company and its past alleged practices are beyond mind blowing and feel they are above the law. My rights have been violated according to the fdcpa. I never gave LVNV funding permission to buy my non public information nor consented to LVNV funding that I agreed to do business with them. Also when I submit my request to XXXX have the account reinvestigated XXXX over looked the fact that the account was removed from my report and updated the accounts and closed the investigation with properly confirming the allegations. There were no statement form sent there was no investigation information provided such as the name address phone numbers nor the way they confirmed the information which is a violation according to the FCRA which states identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Was NOT provided if XXXX would have done an actual reinvestigation they XXXX would have seen that the account was removed by the original creditor. XXXX also refused to provide me with the information requested including my complete file disclosures and my written certified signature with my consent. I am asking for this account to be removed from credit report and a free copy of my credit report via mail as I have requested all communication via US Mail and no other with tracking to show proof that the information has been mailed to my address on file. This is unfair practices on both parties involved and reflects that both LVNV funding and the credit reporting agency believe they do not have to abide by the laws in place that governs both the fdcpa and the FCRA.
Company Response:
State: NC
Zip: 28052
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX, I initiated the debt validation process by sending my initial request via regular mail to LVNV Funding LLC XXXX Subsequently, I sent two additional debt validation requests via USPS Certified Mail with Return Receipt Requested, each with a unique mailing request number. The tracking numbers for these certified mailings are as follows : USPS Certified Mail Mailing Request # XXXX USPS Certified Mail Mailing Request # XXXX As per the FDCPA, LVNV Funding LLC is legally obligated to respond to my requests for debt validation within 30 days of receipt of the request. However, I have not received any proper validation of the debt in question or any response from LVNV Funding LLC. This lack of response is in direct violation of my rights as a consumer and my rights under the FDCPA. I would like to remind you that the FDCPA requires debt collectors to provide verification of the debt and the name and address of the original creditor upon request. It is disheartening to note that LVNV Funding LLC has not complied with this statutory obligation, and as a result, I am left with significant concerns about the validity of the debt in question. I am now left with no choice but to report this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and action. The CFPB is responsible for ensuring that debt collection agencies comply with the FDCPA, and I believe it is necessary to involve them in this matter to address these violations promptly.
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I keep receiving e-mails from Resurgent capital services. I requested a debt validation, cease and desist and correspondence via mail only. I also requested a purchase agreement showing proof that the company can collect the alleged debt. They have ignored my email and keep on sending me emails.
Company Response:
State: AZ
Zip: 85756
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to bring to your attention the apparent violations of various provisions of the United States Code related to debt collection practices. Specifically, it has come to my attention that your company, LVNV Funding LLC, may have violated the following statutes:1. 15 US Code 1692B : This section outlines the requirements for debt collectors to provide written validation of debts upon request by the consumer.2. According to 15 USC 1692g ( a ), within five days of the initial communication with a consumer regarding the collection of a debt, the debt collector must send a written notice to the consumer. This notice should include information such as the amount of the debt, the name of the creditor, and the consumer 's rights to dispute the debt or request verification.3. 15 USC 60 92D : This section addresses the fair debt collection practices and prohibits deceptive, unfair, or abusive practices in debt collection.4. Under 15 USC 1692d, debt collectors are prohibited from engaging in any conduct that is intended to harass, oppress, or abuse any person in connection with the collection of a debt. This includes practices such as making excessive or repeated phone calls, using obscene or profane language, making threats of violence or harm, publishing lists of debtors, or engaging in any other conduct that is intended to harass or abuse the debtor. 5. 15 USC 6 9 2K : This statute establishes the guidelines for the calculation and imposition of statutory damages for violations of the Fair Debt Collection Practices Act ( FDCPA ) .6. 15 US Code 69 2D : This section outlines the penalties and remedies available to consumers for violations of the FDCPA.It is important to note that I am not a legal professional, but I believe that the aforementioned codes may have been violated based on my understanding of the law.
Company Response:
State: CA
Zip: 92231
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: Resurgent Capital Solutions has been emailing, texting and calling from a private number since XXXX XXXX. As you will see in the screenshots provided they called from a private number @ XXXX XXXX, which is before the beginning of the timeframe that debt collectors are required to follow. Next they are sending multiple emails per week and also texting me in between their emails which is also against the requirement for frequency of communication. I have never received a debt validation document as also required by federal guidelines from this company. I dont have a contract with them for the amount they are stating I supposedly owe. I believe this is harassment and they have not followed federal law.
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A