Date Received: 2024-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: LVNV Funding LLC illegally garnished and close my checking account. This resulted in extreme hardship to my family. Moreover, LVNV Funding did not provide any warning of the garnishment or any way to inquire or settle the alleged debt. LVNV Funding is In violation of the consumer protection laws because they did not apply the appropriate state exceptions for garnishment. Moreover, LVNV Funding engaged in deceptive practices such as leveraging circumstances, unequal bargaining power to take an unreasonable advantage. The only remedy is that any garnishment amount should be reimbursed and my bank account reinstated.
Company Response:
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC doesnt have the right to collect debt in the state of michigan as per Michigan Compiled Laws MCL specifially MCL445.252 it is unlawful for a collection agency to engage in debt collection activites without proper licensure in the state.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This debt was not an account I created and I've filled a report stating my identity was used fraudulently yet the debt is being bought and transferred from company to company. Where each company has threatened to ruin my credit, sue, and garnish my wages.
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt has been sold to multiple collection companies. Neither the creditor nor the collection agency has sent validation proof. I dispute this debt in its entirety.
Company Response:
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Resurgent Capital Services is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law by constantly and consistently harassing by phone, text, email and U.S. mail in regards to a debt from the XXXX XXXX XXXX for {$340.00}. The debt collection or debt isnt not my account or debt. The debt is the result of identity theft.
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Since LVNV FUNDING owns said debts. Please send proof that a 1099 was sent or not from the original creditors. Please provide to me that LVNV FUNDING is licensed to collect in the state of Pennsylvania and also the UCC and USC codes stating that you can collect on said debt in Pennsylvania and provide the agreement and my wet signature between us and any documents stating that an arbitration was done.
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Since Resurgent Capital Service owns said debts. Please send proof that a 1099 was sent or not from the original creditors. Please provide to me that Resurgent Capital Service is licensed to collect in the state of Pennsylvania and also the UCC and USC codes stating that you can collect on said debt in Pennsylvania and provide the agreement and my wet signature between us and any documents stating that an arbitration was done.
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Never received any notice of garnishment from debt collection nor was aware of this debt. Was aware of this action on my paystub XX/XX/XXXX in the amount of XXXX. Then debt collector continued to garnish more from pay on XX/XX/XXXX in the amount of XXXX.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: in accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681, SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604 a SECTION 2, It also states a consumer reporting agency can not furnish an account witout my written instructions, Under 15 USC1666 b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The law requires companies to delete disputed unverified information from consumer reports This collection is false and has been effecting my credit for years ; ive never signed off on the original debt and I'm being stiff armed for a 'Pay to Delete ' when I shouldn't be paying anything.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A