Resurgent Capital Services L.P

2019-10-05

Chicago, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-10-05

Coosada, AL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I requested debt validation and they failed to send enough information. They are still reporting 2 accounts on my credit without properly verifying the debt. They simply sent a summary of accounts which fails to properly validate the accounts in question. LVNV Funding LLC have 2 accounts one with an amount of {$430.00} and another in the amount of {$800.00}. These account summaries are dates XX/XX/2019 and they have yet to remove these items without proper validation.
Company Response: Closed with explanation

Timely Response

2019-10-05

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/2019 I requested validation of this alleged debt of {$750.00} of which I was not provided proper validation of. XX/XX/2019, I received the attached notice from Resurgent Capital Service ( LVNV Funding ) stating that this account would not report to any of the national credit agencies. On XX/XX/2019, I have received notification from the credit bureaus that this account was now reporting on file.
Company Response: Closed with explanation

Timely Response

2019-10-05

Stkn, CA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I HAVE A TOTAL OF 4 COLLECTION ACCOUNTS ON MY CREDIT. I WAS NEVER NOTIFIED OF MY RIGHTS TO DISPUTE .... NEVER RECIVED A COLLECTION NOTICE IN THE MAIL. I HAVE TWO COLLECTION COMPAINES ON MY CREDIT FOR THE SAME DEBT LVNV FUNDING AND RESURENT CAPITAL
Company Response: Closed with explanation

Timely Response

2019-10-04

Clayton, MO

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I was notified by someone in my household that LVNV Funding was attempting to serve me with paperwork for a debt. Immediately, I contacted a lawyer who was familiar with LVNV and their debt collection practices. He went to court and had the case dismissed without prejudice. The Original Creditor was XXXX XXXX XXXX, the recent creditor information is : LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX I filed a dispute with XXXX and uploaded the dismissal document. My dispute didn't help. I contacted LVNV Funding directly and they also said they they couldn't help me. My lawyer told me to submit it to the credit reporting agencies which I did with the dispute and it hasn't been removed. Attached is how the debt is viewed on my credit report. The court dismissal document is provided as well.
Company Response: Closed with explanation

Timely Response

2019-10-04

Smyrna, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-10-04

Grassy, MO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: An account associated with XXXX XXXX XXXX located in Minnesota has been reported to my XXXX, XXXX and XXXX credit profile. I have requested the debt to be validated under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed every time to validate the account. I have also faxed and mail other requests only to not receive a professional and proper response. Unfortunately, XXXX XXXX has NOT validated the debt from 2014 nor have they responded to any other requests regarding the account in question. I mailed my very last correspondence to notify that I would be reporting to the CFPB. I look forward to hearing from your agency.
Company Response: Closed with explanation

Timely Response

2019-10-04

Horn Lake, MS

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-10-04

Jersey City, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-04

Denver, CO

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-04

Macclenny, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XX/XX/XXXX I filed a bankruptcy it was discharged. I continue to receive letters from LVNV Funding LLC ( XXXX XXXX XXXX ) Account # XXXX On XX/XX/XXXX I received another letter- I called XXXX and spoke with a XXXX XXXX who informed me that they just received my letter on XX/XX/XXXX. Informing them I filed a bankruptcy, in XXXX. I was told by Mr. XXXX that the letters crossed in the mail. I send them a letter years ago after they contacted me the 1st time regarding this debt.
Company Response: Closed with explanation

Timely Response

2019-10-04

TX

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: I am attaching previously agreed and signed documentation from standing in front of the presiding judge on XX/XX/XXXX, XXXX For settlement due of {$1300.00}, of 45 monthly payments of XXXX Then the following documents from XX/XX/XXXX, is whenever our signed agreement was ripped right out from underneath me by a Motion and Order to Set Aside Judgment without any warning. It states that I was served via First Class Mail to address XXXX XXXX XXXX, XXXX TX XXXX - when in fact I NEVER received those documents/were served, nor was I living there - I had moved from that address to another a year + prior to us had even settling on XX/XX/XXXX, XXXX Such happenings, I was never properly served, and there is no proof/signature ( by me ) proving that I was served the documents before the Motion and Order to Set Aside Judgment was submitted on XX/XX/XXXX then was granted on XX/XX/XXXX. There was no trial called, the only trial I was informed of was for XX/XX/XXXX XXXX which I had attended, due to us agreeing and signing in front of the judge ). Now, TWO years later, it is now sent off to another debt collector, XXXX XXXX , XXXX is calling attempting to collect the debt, however, they are giving me time in order to submit my complaints and attempt to dispute the amounts CACH LLC is trying to recover from me.
Company Response: Closed with explanation

Timely Response

2019-10-04

Baltimore, MD

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2019-10-03

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: RESURGENT/LVNV FUNDING LLC - $ {$2400.00} First Reported XXXX Original Creditor-XXXX XXXX. Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR XXXX XXXX AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.
Company Response: Closed with explanation

Timely Response

2019-10-03

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-10-03

Key Biscayne, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I sent a verification of debt letter to LVNV Funding on XX/XX/XXXX, and they received it on XX/XX/XXXX, USPS tracking number XXXX. After more than 30 days have passed, I called them on XXXX and spoke with a supervisor named XXXX who claimed she did not have any record of my letter being received, even when it was sent certified with a tracking number, and that she will call be back after they investigate. I was promised a call between Monday the XXXX of XXXX and Wednesday the XXXX of XXXX. Since I have not received any call by XXXX, I called them again and spoke first with a supervisor who was extremely rude and mentioned multiple times she will not remove the collection account from the credit bureau in clear violation of the law and that the verification of debt response was sent to me on XXXX, which is past the 30 days deadline and which I have not received yet, and afterwards disconnected the call. I called again and I spoke with another supervisor named XXXX, who confirmed my original verification debt letter was found and received by them on XXXX and that they responded on XXXX. I once again let them know that even if they sent the response on XXXX, it is still way pass the 30 days deadline and hence they are required to remove the collection account from my credit reports. She said she was escalating this issue with the Disputes department and that I should receive a call back between Monday and Wednesday next week.
Company Response: Closed with explanation

Timely Response

2019-10-03

SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-03

Colo Spgs, CO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: There is a collection company called XXXX XXXX XXXX that has called me and threatened me and they have also sent me a bogus offer to settle a debt which they can not verify or validate. They say that they represent some company called LVNV Funding LLC. I have asked both companies to send me the original agreement from XXXX XXXX showing that i had an account with them and they REFUSE To do it. They are falsely accusing me of having a debt of XXXX that I do not owe. I do not have a contract with either one of these companies but they are trying to harass me and extort money from me and I have demanded that they cease and desist with any collection activity. I am sick and tired of having to go through this with these companies and I am demanding that a full investigation be done into their illegal collection practices when I have requested and demanded that they stop contacting me, stop sending me stuff in the mail and they have threatened to put this on my credit reports without sufficient proof that this is a valid debt and that this debt is mine. I have asked for the original contract and source document and they CAN NOT and or WILL NOT PROVIDE IT. Provide a credit card application with my signature and this can all be settled, you can not because one does not exsist. XXXX XXXX has taken an old unverified debt, wrote it off as a loss then sold it to these two bogus companies for a false collection attempt and I will not stand for this anymore. They just contacted me again today and I have asked them not to.
Company Response: Closed with explanation

Timely Response

2019-10-02

Springfield, MO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-02

Irving, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2019-10-02

Elkins Park, PA

Fees or interest

Credit card or prepaid card: Store credit card

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2019-10-02

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-02

Cheverly, MD

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Hello and thank you for taking the time to read and address my concern : I was included in a Financial Institution and Credit Bureau Breaches, and have asked LVNV Funding LLC to provide the following : To provide an Original Contract Signed by me, to show proof that I authorized them to utilize any of my personal information. I have written to the company address provided on my credit report SEVERAL Times. They have a PO Box Address?? so I wrote to LVNV Funding, C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX I need to know if this is even a licensed company?? and if they have the authorization to utilize my personal information. I am very concerned, as I do not know this company and have not authorized anyone to utilize my personal information.I wish no further contact and have requested expeditious removal of this debt. As a Consumer under the Fair Debt Collection Act, I have a right to the know how and why they are using my personal information, and again I did not AUTHORIZE! I have been involved in breeches and this is of utmost concern. If they can not provide an original contract signed by me, I want these accounts removed, as they appear negatively on my credit report as Open Accounts! Two Collections are on my report as Open one for {$1300.00} and another Open one for {$1000.00} dated XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-01

North Hollywood, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$13000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, LVNV Funding then sent my personal information to a 3rd party referred to as ( XXXX XXXX XXXX ) who claimed to represent the company. At that point, they began demanding more personal information and stated I need to pay them in regards to the debt owed. I am firmly requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Company Response: Closed with explanation

Timely Response

2019-10-01

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Company Response: Closed with explanation

Timely Response