Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV HAS CONTIONUSLY DEFAMED MY CHARACTER BY REPORTING EROONEOUS INFORMTION TO THE REPORTING AGENCIES EVEN AFTER I HAVE DISPUTED AND SHOWED PROOF THAT THIS IS ERRONEOUS INFORMATION THE AGENCIES WILL NOT REMOVE/DELETE THIS INFORMATION BEING REPORTED BECAUSE LVNV CONTINUES TO STATE THAT IT MEETS THE FCRA BUT WILL NOT PROVIDE VERIFICATION OF HOW THEY ARE MEETING THE FCRA THIS IS A VIOLATION OF MY RIGHTS AND IF THEY ARE NOT TO BE HELD ACCOUNTABLE THEN WHAT ARE THE LAWS PUT IN PLACE FOR THEY HAVE XXXX ACCOUNTS THAT THEY HAVE PURCHASED ARE THEY EVEN IN THE RIGHTS TO COLLECT ON THESE ACCOUNTS WHICH IM NOT CONCERNED WITH BECAUSE THEY ARENT ANY RELATION TO ME AT ALL I HAVE BEEN GOING BACK AND FORTH WITH THIS AND AT THIS POINT ITS TIME TO REACH OUT TO CFPB AND MY ATTORNEY BECAUSE THEY HAVE VIOLATED ON NUMEROUS OCCASIONS AND I HAVE PLAYED NICE BUT IN THE MIDDLE OF CLOSING ON A HOME FOR MY FAMILY THEY WONT TO REINSERT THEMSELVES WITH THIS AND NOT INVESTIGATE FULLY AND PROPERLY THEN I DONT KNOW WHAT ELSE TO DO I LOOK FOR A REPLY AND A REMOVAL/DELETION OF THE ACCOUNT LVNVXXXX LVNV-XXXX IMEDIATELY
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference num. XXXX Account from XXXX XXXX XXXX For the amount of XXXX I never seen herd of these people or company ever
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV sent me the consumer [ XXXX XXXX ] emails on the following dates XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 about an alleged debt. After looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with LVNV, this is my right as the consumer under the FCRA. On XX/XX/2023 I sent LVNV a letter tracking # XXXX XXXX XXXX XXXX XXXX of dispute with a conditional communication via mail correspondence only. I did not receive a response from LVNV to the first dispute letter. After 30 days I sent LVNV a final letter ( Notice ). The last letter was sent on XX/XX/2023 for the alleged debt. I stated in the final letter that LVNV was being deceptive in sending two ( 2 ) other collection companies to collect on the same alleged debt. I've already reported one of the collection companies for Identity theft with the FTC, CFPB, and XXXX. In this formal complaint I want to do the same for this third party collection company. They never responded to any of my letters for the alleged debt. I have the right to dispute a lawful validation of debt pursuant to CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which LVNV did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. LVNV is in violation of the following Laws ; 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft.
Company Response:
State: CA
Zip: 92243
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/, I called in and set up a payment arrangement with XXXX XXXX XXXX for a total of {$50.00} originally, then $ XXXX month afterwards, in which, then my account balance was on {$550.00}. The representative that I spoke with, a female, acknowledged the arrangement as she tried to get me to make a payment of {$110.00} on that day. I told her that I did not have that amount on that day, but I would happily make the {$50.00} payment, and the {$100.00} payment in the following month. The following week, I received a call from a male representative from XXXX XXXX XXXX asking for a payment, I advised him of the arrangement that I had made the previous week, in which he denied seeing in their system and he even stated that XXXX XXXX XXXX does not offer payment arrangements, although on my XXXX XXXX XXXX app, it states to call them if there is difficulties making payments, in which I attempted to do. The following week after I had spoken to the male representative, I discovered that my whole account was locked. the last contact with XXXX XXXX XXXX was a paper statement in XX/XX/, asking for a payment of {$61.00}, although my account was locked by then. In XXXX, XXXX upon my last availability to access my account, my balace was on $ XXXX. In XX/XX/, I started receiving debt collectors letters from a company named XXXX XXXX XXXX XXXX who said that they were a debt collector, trying to collect a debt for LVNV for {$940.00}, a company in which I had never had business with, nor have even heard of. Upon checking, it states that LVNV was a debt collector, attempting to collect a debt for XXXX XXXX XXXX. As time goes by, I started receiving the same letters from a company called Resurgent Capital Services, who is trying to collect a debt for LVNV Funding, LLC on behalf on XXXX XXXX XXXX. I am disputing the amount of the debt, I am disputing the companies involved, in whom I've never had any business with. I'm not an expert by far, but this look very predatory to me. How does my account go from the {$600.00} 's, to lock, then to debt collectors, trying to collect debt for one another for {$940.00}?. How does my account continue to grow interest and fees when it's " closed. ''
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/2022, I called in and set up a payment arrangement with XXXX XXXX XXXX for a total of {$50.00} originally, then $ XXXX month afterwards, in which, then my account balance was on {$550.00}. The representative that I spoke with, a female, acknowledged the arrangement as she tried to get me to make a payment of {$110.00} on that day. I told her that I did not have that amount on that day, but I would happily make the {$50.00} payment, and the {$100.00} payment in the following month. The following week, I received a call from a male representative from XXXX XXXX XXXX asking for a payment, I advised him of the arrangement that I had made the previous week, in which he denied seeing in their system and he even stated that XXXX XXXX XXXX does not offer payment arrangements, although on my XXXX XXXX XXXX app, it states to call them if there is difficulties making payments, in which I attempted to do. The following week after I had spoken to the male representative, I discovered that my whole account was locked. the last contact with XXXX XXXX XXXX was a paper statement in XX/XX/, asking for a payment of {$61.00}, although my account was locked by then. In XXXX, XXXX upon my last availability to access my account, my balace was on $ XXXX. In XX/XX/2022, I started receiving debt collectors letters from a company named XXXX XXXX XXXX XXXX who said that they were a debt collector, trying to collect a debt for LVNV for {$940.00}, a company in which I had never had business with, nor have even heard of. Upon checking, it states that LVNV was a debt collector, attempting to collect a debt for XXXX XXXX XXXX. As time goes by, I started receiving the same letters from a company called Resurgent Capital Services, who is trying to collect a debt for LVNV Funding, LLC on behalf on XXXX XXXX XXXX. I am disputing the amount of the debt, I am disputing the companies involved, in whom I've never had any business with. I'm not an expert by far, but this look very predatory to me. How does my account go from the {$600.00} 's, to lock, then to debt collectors, trying to collect debt for one another for {$940.00}?. How does my account continue to grow interest and fees when it's " closed. ''
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: FDCPA Violation Threats to take legal action, After I disputed with XXXX file number XXXX on XX/XX/2023 XXXX consumer relations..on XX/XX/2023 I got a threat to be sued in the mail.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone stole my credit card and ran up XXXX worth of credit card fees. I put a police report in and it is still on my credit.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email from XXXX XXXX that my credit report has changed, so I logged on and saw that LVNV Funding is reporting a debt thats not mine. I have never had XXXX XXXX XXXX and they can not provide any written consent or proof that this account is mine.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.
Company Response:
State: CA
Zip: 92551
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: IN XXXX i had a XXXX XXXX credit card where i make a minimum payment of XXXX dollars I WAS INCASTERATED AN FSCING FINANCIAL HARDSHIP I WASENT BE ABLE TO MAKE PAYMENT AS XXXXSETO I GOT RELEASE IN XXXX AND TRY TO GET MY LIFE BACK ON TRACK BUT THIS CHARGE ON MY CREDIT IT HENDERING ME FROM FUTURE OPPORTUNITY
Company Response:
State: CT
Zip: 06790
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A