ComplaintsforLVNV Funding, LLC

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Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

Initial Complaint
04/29/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I requested for a loan in my name a few weeks ago but I got denied. When I received a copy of my credit report, I discovered that there were inaccuracies. Inquiries and addresses that are not mine were on my report as well as accounts that I never opened and variations on my name such as LEE HUMPHREY, MELVIN HUMPHRIES and none of my name in my report have suffix of Jr in my name. I have contacted the creditors to make them aware of the breach. They are requesting that I fill out a full Packet to show cause in order for them to cease reporting to my credit due to this possible identity theft. I also found this account that I believe not mine: Acct name: LVNV FUNDING (Original Creditor: 12 CREDIT ONE BANK N A) acct no. 444796261084**** date opened 06/20/2023 balance $590.00 I am not liable for this debt and I do not have a contract with: Company: LVNV FUNDING LLC Address: C/O RESURGENT CAPITAL SERVICES PO BOX 1269 GREENVILLE, SC 29602 Tel No: (877) 527-4484 Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at 1604 WINDCLIFF SE DR MARIETTA, GA 30067-8360 and email at [email protected] I need a response from the company.
Business response
05/06/2024
We are providing a confidential response via the BBB addressing all of the concerns raised in the complaint. If the customer has additional information or is not satisfied with this response, they may contact us via the BBB or directly.
Initial Complaint
02/05/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I'm not liable for this debt with credit one, I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested
Customer response
02/05/2024
Attached is a screenshot of the dispute
Business response
02/06/2024
We are providing a confidential response via the BBB addressing all of the concerns raised in the complaint. If the customer has additional information or is not satisfied with this response, they may contact us via the BBB or directly.
Initial Complaint
01/11/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I'm not liable for this debt with ***** ******** **** *****. I do not have a contract with LVNV Funding LLC. They did not provide me with the original contract as request.
Customer response
01/16/2024
Better Business Bureau,

I have reviewed the response made by the business in reference to complaint ID ********. I have asked the company for these same documents which were never sent to me. Their response is satisfactory to me. But the amount owed is incorrect.

Regards,

******** ******
Business response
01/16/2024
January 12, 2024

Brianna M*******
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164

RE: ******** ******; Case/File No. ********
Account Number: ****************
Original Creditor: ***** ******** **** *****
Current Owner: LVNV Funding LLC
Reference Number: *********

Dear Ms. M*******:

This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 12, 2024
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on October 26, 2023. Resurgent Capital Services L.P. (“Resurgent”)
is the servicer of the Account.

At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
******** ******’s inquiry and believe the following information will address their concerns.

The Account originated on November 14, 2016 with ***** ******** **** *****. The Account
charged off on November 30, 2021 with a balance of $4,439.41. No payments have been received on the
Account since it was acquired by the Current Owner. The current Account balance is $4,439.41.

With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
Account records, the tradeline for this Account should not be deleted; however, it is being reported as
disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
new information indicates that the disputes should be removed.

The enclosed letters containing verification of debt were mailed to ******** ****** on November
17, 2023 and again on December 8, 2023. This Account has been properly verified as required by the Fair
Debt Collection Practices Act. I have also enclosed the bill statements on file for the Account.

I hope my response has addressed all of ******** ******’s concerns. If there are any further
questions, comments, or concerns, they may contact Customer Service at ***************

Respectfully,

Drew
Compliance Department
Resurgent Capital Services L.P.
Initial Complaint
11/28/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with ****** *** **** **** I do not have a contract with LVNV Funding LLC. They did not provide me with the original contract as I requested.
Business response
12/07/2023
We are providing a confidential response via the BBB addressing all of the concerns raised in the complaint. If the customer has additional information or is not satisfied with this response, they may contact us via the BBB or directly.
Customer response
12/07/2023

Better Business Bureau,

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

****** ****
Initial Complaint
11/28/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for the debt with ******* ********* ****. I do not have a contract with LVNV Funding. They did not provide me with the original contract as I requested.
Customer response
12/08/2023

Better Business Bureau,

I have reviewed the response made by the business in reference to complaint ID ********. They removed the collections account from my credit report. That resolution is satisfactory to me.

Regards,

*** ***
Customer response
12/08/2023

Better Business Bureau,

I have reviewed the response made by the business in reference to complaint ID ********. They removed the collections account from my credit report. That resolution is satisfactory to me.

Regards,

*** ***
Business response
12/08/2023
December 7, 2023

Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164

RE: *** ***; Case/File No. ********
Account Number: ****************
Original Creditor: C****** ********* ****
Current Owner: LVNV Funding LLC
Reference Number: *********

Dear Ms. R*****:

This letter is in response to the Better Business Bureau (“BBB”) inquiry received December 6,
2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
currently owns the Account, having acquired it on June 29, 2023. Resurgent Capital Services L.P.
(“Resurgent”) is the servicer of the Account.

At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
*** ***’s inquiry and believe the following information will address their concerns.

The Account originated on January 14, 2022 with C****** ********* **** and was opened with
*******. The Account charged off on January 31, 2023 with a balance of $1,536.90. No payments have
been received on the Account since it was acquired by the Current Owner. The current Account balance is
$1,536.90.

With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
Account records, the tradeline for this Account should not be deleted; however, it is being reported as
disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
new information indicates that the disputes should be removed.

We are providing the enclosed account summary as verification of debt in accordance with the Fair
Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)).

I hope my response has addressed all of *** ***’s concerns. If there are any further questions,
comments, or concerns, they may contact Customer Service at ***************

Respectfully,

Drew
Compliance Department
Resurgent Capital Services L.P.
Initial Complaint
11/17/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I demand that you review your records for me. I have been distressed about my credit report due to your company is using unfair credit reporting methods. I requested copies of my contract with this collection agency but got no response. I never had any business with your company "LVNV Funding LLC" nor gave my written consent. This company is NOT LICENSED to collect in my state. This company is in violation of not just my privacy rights as a consumer but multiple federal laws including FCCPA, FCRA and FDCPA. As per FTC guidelines reporting this account in my consumer credit report is a collection activity. therefore, you are in violation under 18 U.S. Code § 894 - Collection of extensions of credit Under (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1)to collect or attempt to collect any extension of credit, or (2)to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this account in my credit report is a form of punishment and hurting my chances of improving my living situation. Cease and desist, delete this account immediately.
Business response
11/21/2023
We are providing a confidential response via the BBB addressing all of the concerns raised in the complaint. If the customer has additional information or is not satisfied with this response, they may contact us via the BBB or directly.
Customer response
11/23/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 20882407, and have determined that this does not resolve my complaint.

I am rejecting this response because:

Cease and Desist Communication is not just for traditional phone calls, text messaging or email. the reporting of this alleged account on my consumer credit report is a form of written communication as it is also a collection activity according to FTC guidelines.

The original creditor marked this alleged account as charged off - loss or written off, your are in violation of Under 15 U.S. Code § 1692j - Furnishing certain deceptive form.

I also want to inform you that if there are any negative marks on my credit reports from your company or any company you represent, and it is for a debt I do not owe, it is against the law. The Fair Debt Collection Practices Act states that you must ask the credit reporting agencies to remove such entries if you cannot validate the debt. - you are in violation Under 18 U.S. Code § 894 - Collection of extensions of credit by extortionate means:

(a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1) to collect or attempt to collect any extension of credit, or (2) to punish any person for the non-repayment thereof. - since reporting this alleged account is a collection activity.

DELETE ASAP!

Regards,

Candace Gantt
Business response
12/04/2023
We are providing a confidential response via the BBB addressing all of the concerns raised in the complaint. If the customer has additional information or is not satisfied with this response, they may contact us via the BBB or directly.
Initial Complaint
11/17/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with ****** *** Bank NA, in the amount of $641.00. I also have not entered in a contract with LVNV Funding, LLC. They have not provided me with the original contract as requested.
Customer response
12/06/2023
Better Business Bureau,

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

****** *****
Business response
12/07/2023

November 21, 2023

Brianna M*******
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164

RE: ****** *****; Case/File No. ********
Inquiry Reference Number: *****

Dear Ms. M*******:

This letter is in response to your correspondence received November 21, 2023. We are unable to
locate an account. Please provide additional information, such as the account number and/or social security
number, in order to help us locate the account and address ****** *****’s concerns.

Respectfully,

Matt
Compliance Department
Resurgent Capital Services L.P.
Initial Complaint
10/09/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable with LVNV Funding LLC, I do not have a contract with the collection agency, they did not provide me with a copy of the original copy of the contract as requested i
Business response
11/07/2023
October 19, 2023

Brianna M*******
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164

RE: ****** * ****; Case/File No. ********
Reference Numbers: ********** *********

Dear Ms. M*******:

This letter is in response to the Better Business Bureau (“BBB”) inquiry received October 11, 2023.
LVNV Funding LLC (“LVNV”) currently owns the two accounts referenced in the inquiry. Resurgent
Capital Services L.P. (“Resurgent”) is the servicer of these accounts.

At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
****** * ****** inquiry and believe the following information will address their concerns.

The first account, account number ****************, reference number *********, originated
with **** ** ******** on April 3, 2020 and was opened with ***** ******. The last payment in the amount
of $220.84 was received on April 15, 2022. This account charged off on October 31, 2022 with a balance
of $504.11. LVNV acquired this account on November 18, 2022. No payments have been received on this
account since it was acquired by LVNV. The current account balance is $504.11.

The second account, account number ****************, reference number *********,
originated with **** ** ******** on May 27, 2020 and was opened with ***** **** The last payment in
the amount of $100.00 was received on October 4, 2022. This account charged off on February 28, 2023
with a balance of $482.06. LVNV acquired this account on March 28, 2023. No payments have been
received on this account since it was acquired by LVNV. The current account balance is $482.06.

These accounts were previously charged off. Charging off an account does not satisfy the debt, nor
does it affect the customer’s responsibility for the amount owed. If the account is sold after being charged
off, the new owner has the right to collect the account.

With its purchase of these accounts, LVNV acquired all ownership rights, including the rights to
collect on these accounts and to report to the credit bureaus, if eligible. Currently, these accounts are being
reported to the credit bureaus on behalf of LVNV. In accordance with the Fair Credit Reporting Act, the
LVNV tradelines for these accounts are being reported as disputed to the credit bureaus. They will continue
to report as such throughout the permissible reporting period unless new information indicates that the
disputes should be removed.

I have enclosed a copy of the letters Resurgent sent to ****** * **** that provided them with the
validation notice as required by the Fair Debt Collection Practices Act (“FDCPA”) for these accounts and
that notified them that LVNV may report a negative item on their credit report.

The enclosed letters containing verification of debt were previously mailed to ****** * **** in
compliance with the FDCPA. Bill statements and terms and conditions on file for the account are enclosed
for review.

Resurgent does not condone harassment or unprofessional communication with customers, as it is
our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the accounts,
we found no evidence of the mishandlings alleged in the complaint.

Resurgent understands that unforeseen circumstances can lead to involuntary financial hardship,
making it difficult or impossible for customers to repay debt obligations. If ****** * **** is experiencing
involuntary hardship, we ask that they provide documentation evidencing hardship so that we may review
their circumstance and take appropriate action on the accounts. This documentation should be sent to the
following address or fax number:

Compliance Department
MS 250
**** *** ***** *********** ** ***** **** ************
Initial Complaint
08/15/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Im not liable for this debt with * ******. I do not have a contract with debt collection agency LVNV funding, tryin to collect a debt. They did not provide me with original contract as requested.
Business response
08/30/2023
August 25, 2023

Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164

RE: ********* ******; Case/File No. ********
Reference Numbers: *********, *********

Dear Ms. R*****:

This letter is in response to the Better Business Bureau (“BBB”) inquiry received August 15,
2023. LVNV Funding LLC (“LVNV”) currently owns the two accounts referenced in the inquiry.
Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts.

At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
********* ******’s inquiry and believe the following information will address their concerns.

The first account, account number ****************, reference number *********, originated
with ****** *** ***** **** on December 7, 2020. This account charged off on February 20, 2023 with a
balance of $844.74. LVNV acquired this account on March 16, 2023. No payments have been received on
this account since it was acquired by LVNV. The current account balance is $844.74. Bill statements and
terms and conditions on file for the account are enclosed for review.

With its purchase of the account ending in ****, LVNV acquired all ownership rights, including
the rights to collect on this account and to report to the credit bureaus, if eligible. Currently, this account
is being reported to the credit bureaus on behalf of LVNV. Based on information contained in our account
records, the tradeline for this account should not be deleted; however, it is being reported as disputed to
the credit bureaus. It will continue to report as such for the remaining reporting period unless new
information indicates that the dispute should be removed.

The enclosed letter containing verification of debt for the account ending in **** was mailed to
********* ****** on June 21, 2023 in compliance with the Fair Debt Collection Practices Act
(“FDCPA”).

The second account, account number *********, reference number *********, originated with
******** **** ***. on January 11, 2007. This account charged off on August 12, 2007 with a balance of
$884.15. The last payment in the amount of $280.61 was received on September 18, 2012. LVNV
acquired this account on August 22, 2016. No payments have been received on this account since it was
acquired by LVNV. As of today’s date, the current account balance is $692.47.

A judgment was obtained on the account ending in **** on January 9, 2012 in the Essex Special
Civil Part in Essex County, New Jersey, with case number *** ************. Enclosed is a copy of the
judgment for review. Because this debt is the subject of a valid, legally enforceable judgment, Resurgent
considers the debt to be valid and this dispute to be resolved.

With its purchase of the account ending in ****, LVNV acquired all ownership rights, including
the rights to collect on this account and to report to the credit bureaus, if eligible. Currently, however,
LVNV is not reporting this account to the credit bureaus.

I hope my response has addressed all of ********* ******’s concerns. If there are any further
questions, comments, or concerns, they may contact Customer Service at **************.

Respectfully,

Drew
Compliance Department
Resurgent Capital Services L.P.
Initial Complaint
08/08/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus. I demand this account to be deleted from my credit report immediately.
Business response
08/29/2023
August 15, 2023

Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164

RE: ***** ******; Case/File No. ********
Account Number: ****************
Original Creditor: ****** *** ***** ****
Current Owner: LVNV Funding LLC
Reference Number: *********

Dear Ms. R*****:

This letter is in response to the Better Business Bureau (“BBB”) inquiry received August 8, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on April 22, 2019. Resurgent Capital Services L.P. (“Resurgent”) is
the servicer of the Account.

At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
***** ******’s inquiry and believe the following information will address their concerns.

The Account originated on December 13, 2017 with ****** *** ***** **** The Account charged
off on March 26, 2019 with a balance of $888.04. No payments have been received on the Account since it
was acquired by the Current Owner. The current Account balance is $888.04.

With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
Reporting Act, the Current Owner’s tradeline for this Account is being reported as disputed to the credit
bureaus. It will continue to report as such throughout the permissible reporting period unless new
information indicates that the dispute should be removed.

We have confirmed that we are reporting the Account to the credit bureaus accurately in accordance
with credit reporting guidelines. Our records indicate that the Current Owner’s tradeline for this Account
has been reported to the credit bureaus consistently each month since it began reporting. ***** ******
should contact the appropriate credit bureau regarding any information they believe is being reported in
error.

The enclosed letters containing verification of debt were mailed to ***** ****** on July 7, 2023
and August 2, 2023. This Account has been properly verified as required by the Fair Debt Collection
Practices Act. I have also enclosed the terms and conditions and additional bill statements on file for the
Account. Please note that the bill statements on file show the same address ***** ****** included in their
inquiry.

Our records indicate that ***** ****** submitted a notice requesting that we cease communication
with them regarding this Account. When such a request is received, a restriction is placed on the Account
so that no further contact is made to the customer, except to respond to specific requests received from the
customer.

I hope my response has addressed all of ***** ******’s concerns. If there are any further questions,
comments, or concerns, they may contact Customer Service at **************.

Respectfully,

Teisha
Compliance Department
Resurgent Capital Services L.P.

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