Date Received: 2023-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Collection account from LVNV FUNDING with account # XXXX and a balance of {$610.00}. The original creditor is XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: What led me to start filing these complaints is that I was mailed a collection debt from a law firm. I'm not computer savvy to apply for any credit cards online. If I were to apply for any it would be in person at my local bank. So I filed a complaint such as this one with the Law Firm. Moving on as I was able to check my credit report and noticed more collections. On XX/XX/2018 a collection was opened and to make a record I never got any notice in the mail of the debt from LVNV Funding LLC for a XXXX XXXX account in the amount of XXXX. I'm almost positive that my half brother was the one that applied for these cards in his name. I'm XXXX and my health isn't all that great and I'm XXXX XXXX XXXX and going through XXXXXXXX XXXX and not able to work nor take care of myself. I rely on my youngest son XXXX XXXX who I'm giving permission to speak on my behalf. I'm not able to deal or handle the stress this has caused me. Understand there are multiple accounts for LVNV that I have another XXXX XXXX for XXXX, XXXX account for XXXX and XXXX XXXX XXXX for XXXX that I didn't apply for. I've attached a ID theft report that I filled out. Also attached my front and back driver license 's number for verification. And not proud of this but my son has a trouble past and attached an old mugshot. And attached an income verification form. As you can see I'm below the poverty level and don't make much money while being sick.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I have asked you to cease and desist all communications regarding this debt, yet you still continue to do so. Your willful non compliance and failure to cease communication is in violation of my rights as a consumer and the FDCPA. You are not allowed to communicate this alleged debt through ANY medium according to the FDCPA. Yet and still, I am still being harassed, harmed and oppressed through your communications. Your actions have CONTINUED to cause me harm even though you have admitted through CFPB that you have received my cease and desist, yet you deceptively stated you had complied. You have also violated my rights and the FDCPA by reporting to an unaffiliated third party. I am FURTHER damaged by your infringement on my right to privacy. You have right to purchase a debt NOT my personal information, yet you continue to furnish it without my previous or present consent. This is extreme abuse and unacceptable. I have attempted to make pitstop and this will be my LAST time before taking FULL legal action against you. I have also disputed BOTH alleged debts multiple times.
Company Response:
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company Resurgent capital servicesXXXX LVNV Funding LLC is trying to Rip me off or Scam me with a debt that is not mine... I also requested the receipt of the bought of this account and they REFUSE and are hiding to show me this receipt .... Meanwhile XXXX Bank, Member FDIC send me a receipt that shows Resurgent capital services/ LVNV Funding LLC XXXX way less money for this account and are trying to rip me of or the owner person that owns this account with a higher amount... Also check the address on the statement they are providing to me person ( see Attachment ), I had never in my life lives in XXXX XXXX nor in XXXX XXXX ( NEBRASKA ).. They can not even provide a ZIP CODE .... BY NOW ITS SHOWS CLEARLY THEY HAVE MIX UP A DIFFERENT PERSON WITH MY NAME AND ARE NOT WILLING TO PROVIDE THE ACTUAL PROOF THATS SHOWS THAT INDEED THEY BOUGH AND THEY OWN THIS ACCOUNT... BTW WHERE IS THE SIGNED CONTRACT BETWEEN MY PERSON AND Resurgent capital services/ LVNV Funding LLC THAT SHOWS AND PROOF THAT I HAVE AGREED ANY BUSSINES WITH Resurgent capital services/ LVNV Funding LLC XXXX XXXX? BE AWARE PEOPLE THIS COMPANY UNDER THE NAME OF Resurgent capital services/ LVNV Funding LLC ARE SCAMMER THAT TRY TO RIP YOUR MONEY OF
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt collection company purchased a previously charged off account from XXXX XXXX XXXX XXXX. The company LVNV Funding LLC XXXX XXXX MI, served me with court papers on XX/XX/2023, in attempt to collect the debt of approximately {$14000.00} and or garnish my wages. I filled an answer in the Magistrate Court of XXXX XXXX State of Georgia contesting the debt. Trail is set for XXXX XXXX. I never had a delinquent or charged off credit card account from XXXX. I currently have an active credit card account with XXXX that is in good standings. I have never had a late payment or overcharge the account.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company is report false accounts and information in my credit file.
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV FUNDING LLC XXXX XXXX XXXXXXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX1681r unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off my XXXX XXXXXXXX XXXX XXXX in full on XX/XX/21 in the amount of {$1700.00} and never made any more purchases after that. Now theres something in collections for $ XXXX regarding this credit card. This is NOT a valid debt and the collection company and credit card company refuses to drop it. I filed disputes with all the credit reporting agencies and they contest its a valid debt. I did NOT make anymore purchases after I paid it off. Please provide PROOF in the form of security video that I was the person that made these purchases. I did not make any more purchases after I made that payment!
Company Response:
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX opened XX/XX/XXXX. XXXX opened XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX. XXXX XXXX XXXX Opened XXXX XXXX, XXXX.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Company is still reporting inaccurate information on my credit report. Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor. Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! XXXXXXXX XXXX dictionary CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. debtor to defer payment of debt or to incur debt and defer its debt. DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every XXXX member of the species homo sapiens who is born alive at any stage of development. DEBTORS are FICTITIOUS entities. NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A