Complaints

This profile includes complaints for LVNV Funding, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  LVNV Funding, LLC

  355 S Main St Ste 300-D Greenville, SC 29601-2923

  
• 

  LVNV Funding, LLC

  55 Beattie Pl Ste 110 Greenville, SC 29601-5115

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt with LVNV FUNDING LLC. I do not have a contract with LVNV FUNDING LLC. You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person. They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attatched as well, they are in major violation.

  

  Business Response

  Date: 06/15/2023

  June 8, 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 May 30, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on January 18, 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 March 31, 2022 with ****** *** ***** **** The Account charged off
  on December 14, 2022 with a balance of $834.12. No payments have been received on the Account since
  it was acquired by the Current Owner. The current Account balance is $834.12.
  
  The Account was 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, the new owner has
  the right to collect the account.
  
  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, a request to update the Current Owner’s tradeline for this Account to disputed will be
  submitted to the credit bureaus during the next reporting cycle.
  
  Resurgent received the electronic dispute that ******* ******* submitted through one of the credit
  bureaus. Resurgent has responded in a timely manner and provided the bureau with information relevant to
  their dispute. We are providing an account summary, terms and conditions, and bill statements on file as
  verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§
  1692(g)) and applicable state and local requirements. Please note that the bill statements on file show the
  same address ******* ******* included in their inquiry.
  
  If, after reviewing the above-referenced information, ******* ******* believes this Account to be
  fraudulent, we ask that they provide a copy of the completed police/incident report referenced in their
  inquiry in order to help us resolve the matter.
  
  In addition, if ******* ******* has any correspondence to/from the previous creditors or any
  additional documentation concerning their dispute, we ask that they please forward it to:
  
  Compliance Department or Fax: ************
  MS 250 Attn: Compliance
  **** *** ***** *********** ** *****
  
  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.
  

• Initial Complaint

  Date:05/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  According to my credit reports my information was sold/ transferred to this company without my authorization therefore it was stolen. I have not done any business with this company nor am I familiar with the company. I have been doing trying to get it removed from my credit reports but to no avail.

  

  Business Response

  Date: 06/15/2023

  June 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. ********
  Inquiry Reference Number: *****
  
  Dear Ms. R*****:
  
  This letter is in response to your correspondence dated May 30, 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.
  
  If there are any further questions, comments, or concerns, they may contact Customer Service at 1-
  *************
  
  Respectfully,
  
  
  Monique
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  Date:05/26/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not aware of this account. I have reached out to 3 credit bureaus and LVNV Funding LLC to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have LVNV Funding LLC that I have no account with them and 3 credit bureaus can simply remove it from my credit.

  

  Business Response

  Date: 06/14/2023

  June 5, 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 May 26, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on July 29, 2022. 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 October 31, 2018 with ******* *** **** ****** **** The last payment
  in the amount of $25.00 was received on September 24, 2020. The Account charged off on May 11, 2021
  with a balance of $588.03. No payments have been received on the Account since it was acquired by the
  Current Owner. The current Account balance is $588.03.
  
  The Account was 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, the new owner has
  the right to collect the account.
  
  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, a request to update the Current Owner’s tradeline for this Account to disputed will be
  submitted to the credit bureaus during the next reporting cycle.
  
  Resurgent received the electronic disputes that ********* ***** submitted through the credit
  bureau(s), and in each case Resurgent sent a timely response, providing the bureau(s) with information
  relevant to their dispute.
  
  We are providing the account summary, bill statements, and terms and conditions as verification
  of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and
  applicable state and local requirements.
  
  If, after reviewing the above-referenced information, ********* ***** believes this Account to be
  fraudulent, we ask that they provide a completed police/incident report in order to help us resolve this
  matter.
  
  In addition, if ********* ***** has any correspondence to/from the previous creditors or any
  additional documentation concerning their dispute, we ask that they please forward it to:
  
  Compliance Department or Fax: ************
  MS 250 Attn: Compliance
  **** *** ***** *********** ** *****
  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,
  
  
  Monique
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  Date:05/26/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with LVNV FUNDING LLC . I do not have a contract with LVNV FUNDING LLC .This business has failed to provide any supporting information to that fact. I demand they submit a correction to my credit report immediately. In accordance with the Fair Credit Reporting Act and Texas Consumer statues this business has violated my rights. In accordance with the Fair Credit Reporting Act protected consumer rights to privacy and confidentiality under 15 USC 1681.

  Customer Answer

  Date: 06/06/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  I do not have a contract with  LVNG FUNDING LLC or RESURGENT CAPITAL SERVICES. I demand they submit a correction to my credit report immediately.  In accordance with the Fair Credit Reporting Act and Texas Consumer statues these businesses has violated my rights. In accordance with the Fair Credit Reporting Act protected consumer rights to privacy and confidentiality under 15 USC 1681. 
  
  Regards,
  
  ****** *****

  

  Business Response

  Date: 06/30/2023

  June 4, 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 May 26, 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 June 4, 2013. The last payment in the amount of $240.00 was
  received on July 31, 2018. This account charged off on January 29, 2019 with a balance of $11,848.43.
  LVNV acquired this account on October 18, 2022. No payments have been received on this account since
  it was acquired by LVNV. The current account balance is $11,848.43. The credit card application and bill
  statements on file for the account are enclosed for review.
  
  The second account, account number **************, reference number *********, originated
  with **** ******* ****** ***** on November 25, 2014. This account charged off on February 26, 2019
  with a balance of $5,984.35. LVNV acquired this account on October 18, 2022. No payments have been
  received on this account since it was acquired by LVNV. The current account balance is $5,984.35.
  
  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.
  
  Resurgent received the electronic disputes that ****** ***** submitted through the credit
  bureau(s). Resurgent has responded in a timely manner and provided the bureau(s) with information
  relevant to their disputes; however, ****** *****’s inquiry dated May 26, 2023 is the first direct
  communication, written or otherwise, that Resurgent has received from them regarding the above-
  referenced accounts. 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.
  
  We are providing the enclosed account summaries as verification of debt in accordance with the
  Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local
  requirements.
  
  It is Resurgent’s goal to adhere to all state and federal laws and regulations concerning the
  collection of debts. After investigating the Account, we found no evidence of the mishandlings alleged in
  the inquiry.
  
  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,
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.
  

  

  Business Response

  Date: 06/30/2023

  June 15, 2023
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  
  RE: ****** ****s; Case/File No. ********
  Reference Numbers: *********, *********
  
  Dear Ms. R*****:
  
  This letter is in response to the additional concerns submitted by Rhonda Reyes dated June 6,
  2023 regarding the referenced accounts. LVNV Funding LLC (“LVNV”) owns the referenced accounts.
  Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the accounts.
  
  Resurgent has reviewed ****** ******* additional concerns. From our review, we believe their
  concerns were already addressed in our response to their previous inquiry received May 26, 2023. We are
  enclosing a copy of our previous response for review.
  
  I hope my response has addressed all of ****** ******* concerns. If there are any further
  questions, comments, or concerns, they may contact Customer Service at **************.
  
  Respectfully,
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  Date:05/25/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus. Please investigate and remove it from my credit report.

  

  Business Response

  Date: 06/07/2023

  June 1, 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 May 25, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on November 15, 2021. 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 August 7, 2018 with ****** *** ***** **** The Account charged off
  on October 5, 2021 with a balance of $1,419.79. No payments have been received on the Account since it
  was acquired by the Current Owner. The current Account balance is $1,419.79.
  
  The Account was 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, the new owner has
  the right to collect the account.
  
  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 have confirmed that we are reporting
  the Account to the credit bureaus accurately in accordance with credit reporting guidelines.
  
  Resurgent received the electronic disputes that ******* ******** submitted through the credit
  bureau(s), and in each case Resurgent sent a timely response, providing the bureau(s) with information
  relevant to their dispute.
  
  We are providing the account summary, bill statements, and terms and conditions as verification
  of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and
  applicable state and local requirements.
  
  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 Account,
  we found no evidence of the mishandlings alleged in the inquiry.
  
  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,
  
  Monique
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  Date:05/25/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filling a formal complaint about the company LVNV FUNDING LLC FOR COUNTINUNG TO REPORT FRADULENT INFORMATION TO MY CREDIT REPORT. I HAVE attempted to resolve this with the collector and they have not REMOVED AND BLOCKED IT FROM MY PERSONAL CREDIT AND NAME . THE FRADULENT ACCOUNTS ARE LVNV FUNDING LLC Opened 2022-10-17 $1031 LVNV FUNDING LLC Opened 2022-10-17 $631 LVNV FUNDING LLC Opened 2022-07-20 $367

  

  Business Response

  Date: 06/15/2023

  June 9, 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 May 25, 2023.
  LVNV Funding LLC (“LVNV”) currently owns the three 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 July 15, 2021. The last payment in the amount of $5.05 was received on
  March 18, 2022. This account charged off on September 27, 2022 with a balance of $1,031.95. LVNV
  acquired this account on October 17, 2022. No payments have been received on this account since it was
  acquired by LVNV. The current account balance is $1,031.95.
  
  For the first account (ending in 3438), we are providing the account summary, bill statements, and
  terms and conditions as verification of debt in accordance with the Fair Debt Collection Practices Act,
  section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. Please note that the address
  on the bill statements through the statement dated November 2021 matches the address ********* *****
  included in their inquiry.
  
  The second account, account number ****************, reference number *********,
  originated with **** ** ******** on August 4, 2021 and was opened with First Access. The last payment
  in the amount of $120.00 was received on January 4, 2022. This account charged off on June 30, 2022 with
  a balance of $367.50. LVNV acquired this account on July 20, 2022. No payments have been received on
  this account since it was acquired by LVNV. The current account balance is $367.50.
  
  For the second account (ending in 7551), we are providing the account summary, bill statement,
  and terms and conditions as verification of debt in accordance with the Fair Debt Collection Practices Act,
  section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. Please note that the address
  on the bill statements matches the address that ********* ***** included in their inquiry.
  
  The third account, account number ****************, reference number *********, originated
  with ****** *** ***** **** on June 15, 2020. The last payment in the amount of $16.83 was received on
  April 1, 2022. This account charged off on September 15, 2022 with a balance of $631.86. LVNV acquired
  this account on October 17, 2022. No payments have been received on this account since it was acquired
  by LVNV. The current account balance is $631.86.
  
  For the third account (ending in 1361), we are providing the account summary, bill statements, and
  terms and conditions as verification of debt in accordance with the Fair Debt Collection Practices Act,
  section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. Please note that the address
  on the bill statements through the statement dated December 2021 matches the address ********* *****
  included in their inquiry.
  
  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.
  
  Resurgent received the electronic disputes that ********* ***** submitted through the credit
  bureau(s). Resurgent has responded in a timely manner and provided the bureau(s) with information
  relevant to their disputes.
  
  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.
  
  We reviewed the police report that ********* ***** provided and have determined that the
  documentation is insufficient to close these accounts as fraudulent. If ********* ***** has any
  correspondence to/from the previous creditors concerning their dispute, then please forward it to:
  Compliance Department or Fax: ************
  MS 250 Attn: Compliance
  **** *** ***** *********** ** *****
  
  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,
  
  
  Monique
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  Date:05/24/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Business has continued to reporting derogatory information on ********* ********* consumer report. She has called and written in multiple times to request documentation and procedures for to report this derogatory information. The company has not provided the requested information. Please see attached document.

  

  Business Response

  Date: 07/10/2023

  June 23, 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 June 22, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on March 28, 2018. 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 September 26, 2014 with ******* and was opened with **********.
  The last payment in the amount of $107.05 was received on July 23, 2017. The Account charged off on
  February 23, 2018 with a balance of $2,240.54. No payments have been received on the Account since it
  was acquired by the Current Owner. As of the date of this communication the current balance is $2,539.01.
  
  The enclosed letter containing verification of debt was mailed to ********* ******* on February
  23, 2023. This Account has been properly verified as required by the Fair Debt Collection Practices Act.
  
  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,
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  Date:05/23/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This Collection Agency sent me a letter on April 12, 2023 stating that if I paid the amount of $385.04 that they would resolve the existing debt of $855.00. I sent them out a check in that amount which was processed through my bank on May 10, 2023. I then noticed they did not in fact resolve this debt but deduct this amount showing a remaining amount of $470.00. I called them yesterday of which I received no results. I am in the process of purchasing a home and do not need this negative transaction on my credit report.

  

  Business Response

  Date: 06/02/2023

  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 Answer

  Date: 06/02/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID 20094171, and find that this resolution is satisfactory to me.  Thank you so much for all your help!  I truly appreciate this matter getting resolved.
  
  Regards,
  
  Kim Todd

• Initial Complaint

  Date:05/23/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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 requested.

  

  Business Response

  Date: 06/07/2023

  June 1, 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 May 23, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on August 31, 2018. 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 August 4, 2017 with **** ****** ***** **. The last payment in the
  amount of $194.47 was received on October 19, 2017. The Account charged off on May 28, 2018 with a
  balance of $245.37. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $245.37.
  
  The Account was 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, the new owner has
  the right to collect the account.
  
  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, a request to update the Current Owner’s tradeline for this Account to disputed will be
  submitted to the credit bureaus during the next reporting cycle.
  
  We are providing the account summary and a bill statement as verification of debt in accordance
  with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local
  requirements.
  
  If ******* ****** has any correspondence to/from the previous creditors or any additional
  documentation concerning their dispute, we ask that they please forward it to:
  
  Compliance Department or Fax: ************
  MS 250 Attn: Compliance
  **** *** ***** *********** ** *****
  
  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,
  
  
  Monique
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  Date:05/22/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 12 ****** *** **** ** and do not have a contract with LVNV FUNDING. They did not provide me with the original application like I asked.

  

  Business Response

  Date: 06/07/2023

  May 30, 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 May 22, 2023
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on December 16, 2022. 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
  **** *****’ inquiry and believe the following information will address their concerns.
  
  The Account originated on January 1, 2020 with ****** *** ***** **** The last payment in the
  amount of $394.95 was received on March 30, 2022. The Account charged off on November 15, 2022 with
  a balance of $1,212.60. No payments have been received on the Account since it was acquired by the
  Current Owner. The current Account balance is $1,212.60.
  
  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.
  
  Resurgent received the electronic disputes that **** ***** submitted through the credit bureau(s),
  and in each case Resurgent sent a timely response, providing the bureau(s) with information relevant to
  their dispute. We are providing an account summary, terms and conditions, and bill statements on file as
  verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§
  1692(g)) and applicable state and local requirements.
  
  Resurgent’s goal is 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
  Account, we found no evidence of the mishandlings alleged in the inquiry.
  
  I hope my response has addressed all of **** *****’ 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.