Date Received: 2023-10-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Re : LVNV LLC Im again disputing this amount XXXX. This was wrote off from XXXX XXXX then XXXX and now LVNV company brought the collection. It is the same dispute. I file a complaint and dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. Im a victim of fraud and attach is the police report filed then against XXXX XXXX. I also filed online XX/XX/XXXX and adding the the copy of the police report again. This needs to be removed and stop being brought out by other company trying to money from me. Sincerely, XXXX XXXX
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2023 I sent a certified letter to Resurgent/LVNV Funding with a delivery date of XX/XX/2023 exercising my right of FDCPA 1006.30a of placing an alleged debt ( 3 accounts ) on on my consumer report without my written permission ( 15USC 1681b2 ). The information was inaccurate and in violation. I requested the deletion of the accounts from my report. On XX/XX/XXXX I received a letter in regards to only one account alleging another company is the servicer of the account : also on the same day I received 5 pages of paperwork that included an account summary from Resurgent. I submitted another letter asking for validation of debt not verification. I received the same paperwork as before but it still did not complete my request. Then I was sent a letter from XXXX XXXX who then alleges that they are now attempting to collect the debt. This was the first time I every received something from XXXX XXXX. I received the letter from them after I submitted two letters to Resurgent/LVNV Funding. On XX/XX/2023 I sent another certified letter to Resurgent/LVNV Funding for violation of XXXX XXXX and XXXX XXXX XXXX. On XX/XX/XXXX I received six letters dated XX/XX/XXXX and XX/XX/XXXX stating that other companies are serving the account and some paperwork alleging debt verification.
Company Response:
State: VA
Zip: 23703
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Formal Complaint Against Resurgent Capital Services , L.P . To CFPB, I am writing to file a formal complaint against Resurgent Capital Services, L.P., regarding a series of violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Colorado state law. I believe this complaint falls under the jurisdiction of the Consumer Financial Protection Bureau, and I kindly request your assistance in resolving this matter. On XX/XX/2023, I sent a formal letter to Resurgent Capital Services, L.P. ( Exhibit A ), explicitly stating that I was refusing to pay and requesting that the Limited Partnership cease and desist all further communications regarding this debt. However, on XX/XX/2023, I received a letter from Resurgent Capital Services dated XX/XX/2023, which was a duplicate of letters sent to me on XX/XX/2023 ( Exhibit C ) and XX/XX/2023 ( Exhibit D ). Moreover, on XX/XX/2023, at XXXX XXXX MST, I contacted Resurgent Capital Services, LP at XXXX and spoke with a representative who initially lied to me by stating that they had not communicated with me regarding the account. However, upon further inquiry, the representative confirmed that they had received my written cease and desist letter on XX/XX/2023. It was also confirmed that, as of XX/XX/2023, Resurgent Capital Services was legally required to cease all communications with me regarding this particular account. In addition, on XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, attempting to collect the same debt that Resurgent Capital Services was also attempting to collect on ( Exhibit E ). Based on these actions, I believe Resurgent Capital Services, L.P. has violated my rights under the following statutes and regulations : CO Rev Stat 5-16-106 section ( 3 ) ( I ) : Failure to advise me that their collection efforts have been terminated. CO Rev Stat 5-16-108 ( e ) : Causing charges to be made to me for communication via USPS and telephone. FDCPA Section 805 ( c ) : Contacting me after I requested in writing that a third-party collector cease and desist from further contact regarding an alleged debt. Rules for FDCPA Debt Collect 1006.14 : Engaging in contact with intent to harass a person. Rules for FDCPA Debt Collect 1006.6 ( c ) ( 1 ) : Communication with a consumer after a refusal to pay or cease communication notice. Enclosed with this letter, please find copies of all relevant documents, including my original cease and desist letter, Resurgent Capital Services ' correspondence, and the call recording from my conversation with their representative. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to rectify the situation, ensuring that my rights as a consumer are protected. Additionally, I would appreciate being kept informed about the progress of this complaint and any actions taken. Please do not hesitate to contact me if you require any further information or documentation from me to proceed with the investigation. I can be reached at XXXX or XXXX at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to a swift and just resolution.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX XXXX Resurgent Capital Services, L.P. To CFPB, I am writing to file a formal complaint against Resurgent Capital Services, L.P., regarding a series of violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Colorado state law. I believe this complaint falls under the jurisdiction of the Consumer Financial Protection Bureau, and I kindly request your assistance in resolving this matter. On XX/XX/2023, I sent a formal letter to Resurgent Capital Services, L.P. ( Exhibit A ), explicitly stating that I was refusing to pay and requesting that the Limited Partnership cease and desist all further communications regarding this debt. However, on XX/XX/2023, I received a letter from Resurgent Capital Services dated XX/XX/2023, which was a duplicate of letters sent to me on XX/XX/2023 ( Exhibit C ) and XX/XX/2023 ( Exhibit D ). Moreover, on XX/XX/2023, at XXXX XXXX XXXX, I contacted Resurgent Capital Services, LP at XXXX and spoke with a representative who initially lied to me by stating that they had not communicated with me regarding the account. However, upon further inquiry, the representative confirmed that they had received my written cease and desist letter on XX/XX/2023. It was also confirmed that, as of XX/XX/2023, Resurgent Capital Services was legally required to cease all communications with me regarding this particular account. In addition, on XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, attempting to collect the same debt that Resurgent Capital Services was also attempting to collect on ( Exhibit E ). Based on these actions, I believe Resurgent Capital Services, L.P. has violated my rights under the following statutes and regulations : CO Rev Stat 5-16-106 section ( 3 ) ( I ) : Failure to advise me that their collection efforts have been terminated. CO Rev Stat 5-16-108 ( e ) : Causing charges to be made to me for communication via USPS and telephone. FDCPA Section 805 ( c ) : Contacting me after I requested in writing that a third-party collector cease and desist from further contact regarding an alleged debt. Rules for FDCPA Debt Collect 1006.14 : Engaging in contact with intent to harass a person. Rules for FDCPA Debt Collect 1006.6 ( c ) ( 1 ) : Communication with a consumer after a refusal to pay or cease communication notice. Enclosed with this letter, please find copies of all relevant documents, including my original cease and desist letter, Resurgent Capital Services ' correspondence, and the call recording from my conversation with their representative. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to rectify the situation, ensuring that my rights as a consumer are protected. Additionally, I would appreciate being kept informed about the progress of this complaint and any actions taken. Please do not hesitate to contact me if you require any further information or documentation from me to proceed with the investigation. I can be reached at XXXX or XXXX at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to a swift and just resolution.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit act, this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 states consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B A creditor may not treat a late payment on my credit card account under and open and consumer credit, or as late for any purpose
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. I would like for the company to delete all references to the account from my profile within 15 days. Tracking number for 1st letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$12000.00} XX/XX/2022 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX has not provided validation requested several times trough the credit bureaus an directly. I don't know who is XXXX and why are they traying to collect and what and why.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX LVNV FUNDING LLC account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Disputed multiple times company give run around, hang up, no response, rude, not helpful.
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A