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:02/13/2023

  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 ****** *** **** **** and do not have a contract with LVNV Funding LLC. They did not provide me with the original application like I asked.

  

  Business Response

  Date: 03/01/2023

  February 22, 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 February 13,
  2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on October 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 March 6, 2019 with ****** *** ***** **** The last payment in the
  amount of $153.00 was received on April 6, 2021. The Account charged off on September 5, 2021 with a
  balance of $1,387.18. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $1,387.18.
  
  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.
  
  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; however, ****** ********’s inquiry received February 13, 2023 is the first direct
  communication, written or otherwise, that Resurgent has received from them regarding the Account. 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.
  
  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.
  
  We are providing the enclosed 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.
  
  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.

• Initial Complaint

  Date:02/13/2023

  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 noticed that some of my mail were not coming to my address anymore. This started when my mailbox had been ransacked while I am being out of town. I filed a complaint with the Post Master to curb my mail from being sent to all of these unknown addresses. I also learned from my credit report lately that I had been a part of the breach and multiple inquiries were coming from other states and accounts were opened in variations of my name such as ***************** ***** * *******, ****** * *******, ****** ******, ****** *******. I also found these accounts that I believe not mine: Acct name: LVNV FUNDING (Original Creditor: ** ****** *** BANK N A) acct no. **************** date opened 01/01/2022 balance $652.00 Acct name: LVNV FUNDING LLC acct no. **************** date opened 04/01/2017 balance $89.00 I am not liable for these debts and I do not have a contract with: Company: LVNV FUNDING LLC Address: C/O RESURGENT CAPITAL SERVICES PO BOX **** GREENVILLE, SC 29602 Tel No: (866) ********  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 these accounts from my credit report at once. Any questions or concerns please contact me at this address *** ******* St. Apt. ** ********,MI 49442 or email at *************yahoo.com. I need a response from the company.

  Customer Answer

  Date: 02/27/2023

  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. 
  

  Thank you for your response to my issue, and I will maintain that these are accounts due to Identity Theft. I understand that you purchase debt or may be assigned to collect on for companies’ behalf, but the action and response taken are not sufficient, nor should it be tolerated.
  
  However, your company has not followed the law. Your assertion of these accounts and citation of law - 15 U.S.C. 1692g states nothing more than you’re making contact and giving 30 days for the consumer to respond or validate the debt in question.
  But making contact with a fraudulent address is nothing more than a ruse used by those in your industry to ensure your tactics go unseen until you report erroneous information to a Credit Reporting Agency, and this is no different.
  
  Creditor mentioned "Bill statements on file for the account are enclosed for review."
  
  The bill statements that they attached has an address on there "*** ******* dr
  i reattached the statement for your review
  
  i also attached the docs i org submitted
  my ftc report as well as my police report that detials and highlights the identity theft situation i went through and the address *** ******* dr is on my docs as an address where i never resided its a fraudlent address so for this creditor to supply statements sent to that address ( a fraud address) supports my claim.
  
  you cannot report information that is not verified so even though the debt may not belonging to you, you purchased the debt which is not being reported by YOU, separately from the original creditor which is not even on my credit report anymore.
  
  My issue is that I never opened this account and I have been supplying documentation for months to support this claim.
  
  The original signed contract is required as part of the verification process this is known as media. If you don't have the media then you have failed to provide verification that I own the debt.
  Ownership is comprised of these factors when debt is sold
  Chain of Title - Show the transfer of account from and to whom with receipt
  Media- Shows the original documentation that was signed and is required as part of the validation
  under disputed debts, there is no gray area once asked. In my particular case the 30 days never happened ( I will circle back to that violation)
  1. You must cease collection efforts
  2. You must obtain verification from the original lender ( if they have assumed that role then media is required) leaving the original documents and any communication that supports your stance of me owing the debt
  3. FCRA line has been crossed which subjects you a litany of issues
  
  *In response to THIS CLAIM, You have NOT provided me a copy of ANY ORIGINAL documentation required under Section 609 (a)(1)(A)   &  Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.”  In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
  
  *Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
  
  Regards,
  
  ****** *******

  

  Business Response

  Date: 03/16/2023

  March 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. ********
  Reference Numbers: *********, *********
  
  Dear Ms. R*****:
  
  This letter is in response to the additional concerns submitted by ****** ******* received
  February 28, 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 ****** *******’s additional concerns. From our review, we believe
  most of their concerns were already addressed in our response to their previous inquiry received February
  13, 2023. We are enclosing a copy of our previous response for review.
  
  Resurgent, as master servicer for LVNV, uses third-party servicers (“Servicers”) to service
  accounts on its behalf. These accounts have been placed with one or more of these Servicers since they
  were acquired by LVNV. I have enclosed a copy of the communications sent by Resurgent and our
  Servicer to ****** ******* that provided them with the validation notice as required by the Fair Debt
  Collection Practices Act (“FDCPA”) for these accounts.
  
  For the account with the reference number *********, we are providing the enclosed account
  summary as verification of debt in accordance with the Fair Debt Collection Practices Act (“FDCPA”),
  section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. For the account with the
  reference number *********, the enclosed letter containing verification of debt was mailed to ******
  ******* on July 27, 2020 in compliance with the FDCPA.
  
  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.
  
  ****** *******’s February 28, 2023 inquiry contains language Resurgent has interpreted as a
  request that we cease communication with them. We have therefore placed a restriction on the accounts
  so that our office initiates no further contact with the customer, except to respond to specific requests.
  
  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 1-888-********.
  
  Respectfully,
  
  
  
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosures
  
  
  
  
  
  
  

• Initial Complaint

  Date:02/13/2023

  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.

  received a notice that I have a collection from LVNV FUNDING LLC on my credit report. It says it was opened on 02/01/2017 for $1,013 with account number starting in **************** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA. I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  

  Business Response

  Date: 03/01/2023

  
  February 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 February 13,
  2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on February 15, 2017. 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 9, 2013 with ****** *** ***** **** The last payment in the
  amount of $200.00 was received on May 31, 2016. The Account charged off on January 15, 2017 with a
  balance of $1,013.37. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $1,013.37.
  
  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.
  
  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.
  
  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. Based on information contained in the
  Account records, the tradeline for this Account should not be deleted.
  
  Please note that for purchased debt, the credit bureaus use the “Open Date” field to reflect the date
  that the account was purchased by the current owner.
  
  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:02/13/2023

  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 the Fair Debt Collection Practices Act, I am not liable for this debt because I don't have a contract with this company and they didn't provide me debt validation as in 15 U.S.C 1692g. Also they are in violation to 15 U.S.C. 1692(2) not state that such consumer owes any debt.

  

  Business Response

  Date: 03/01/2023

  February 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 February 13,
  2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on March 17, 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 February 21, 2021 with ****** *** ***** **** The last payment in the
  amount of $50.00 was received on June 26, 2021. The Account charged off on February 6, 2022 with a
  balance of $583.17. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $583.17.
  
  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.
  
  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; however, ******* *****’s inquiry received February 13, 2023 is the first direct
  communication, written or otherwise, that Resurgent has received from them regarding the Account. 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.
  
  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.
  
  We are providing the enclosed 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.
  
  I have also enclosed a copy of the letter Resurgent sent to ******* ***** that provided them with
  the validation notice as required by the Fair Debt Collection Practices Act (“FDCPA”) and that notified
  them the Current Owner may report a negative item on their credit report.
  
  It is Resurgent’s 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,
  
  
  
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  Date:02/13/2023

  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 and do not have a contract with convergent. They do not provide me with the original application like I asked.

  Customer Answer

  Date: 02/23/2023

  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 didn’t sign a contract with them have them send me proof And the law says clearly contract was not with company 
  Regards,
  
  ****** *******

  
  

  
  

  

  Business Response

  Date: 03/16/2023

  February 22, 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: ****** *** Bank, N.A.
  Current Owner: LVNV Funding LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received February 13,
  2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on February 18, 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 6, 2019 with ****** *** Bank, N.A. The last payment in the
  amount of $39.00 was received on July 8, 2021. The Account charged off on January 19, 2022 with a
  balance of $1,230.32. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $1,230.32.
  
  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.
  
  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.
  
  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 letter containing verification of debt was mailed to ****** ******* on October 3,
  2022. This Account has been properly verified as required by the Fair Debt Collection Practices Act. I have
  also enclosed the bill statements and terms and conditions 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 1-888-********.
  
  Respectfully,
  
  
  Monique
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  

  

  Business Response

  Date: 03/16/2023

  March 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. ********
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the additional concerns submitted by ****** ******* dated February 23,
  2023 regarding the referenced account (the “Account”).
  
  Resurgent has reviewed ****** *******’s additional concerns. From our review, we believe their
  concerns were already addressed in our response to their previous inquiry dated February 13, 2023. We are
  enclosing a copy of our previous response for review.
  
  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 1-888-********.
  
  Respectfully,
  
  
  Monique
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)

• Initial Complaint

  Date:02/13/2023

  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 ******* *** **** *** *** and do not have a contract with LVNV Funding LLC. they did not provide me with the original application like I asked. I Would Like This Removed From My Report

  

  Business Response

  Date: 03/01/2023

  February 22, 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 February 13,
  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 June 24, 2019 with ******* *** **** ****** **** The last payment in
  the amount of $25.00 was received on February 13, 2020. The Account charged off on August 17, 2020
  with a balance of $473.96. No payments have been received on the Account since it was acquired by the
  Current Owner. The current Account balance is $473.96.
  
  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.
  
  Resurgent received the electronic dispute that ****** ****** submitted through one of the credit
  bureaus and has responded in a timely manner providing the bureau with information relevant to their
  dispute; however, ****** ******’s inquiry received February 13, 2023 is the first direct communication,
  written or otherwise, that Resurgent has received from them regarding the Account. 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.
  
  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.
  
  We are providing the enclosed 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.
  
  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.

• Initial Complaint

  Date:02/13/2023

  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 and do not have a contract with them and i have never done business with them before. NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. I ********* * *******, a federally protected consumer, here by put these below stated companies of a formal notice, in reference to an account they are furnishing on my credit report. LVNV FUNDING LLC According to 15USC 1692a (2), the term “communication” means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation “Any Medium: includes any oral, written, electronic or any medium. Therefore, furnishing of the consumer report (bearing information regarding the alleged debt) by the company will amount to communication as per Fair Debt Collection Practices Act (FDCPA) Pursuant to my right as per 15USC 1692C (C), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency. Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act (FDCPA). Kindly contact the company who sold you the debt to provide you a 1099-c for cancellation of debt and send it to me. I do not have any business with your company, and I do not owe this alleged debt. According to IRS, A charged off account is an ordinary income and kindly provide the 1099 c document from credit one bank sold this account to you Thank You for your cooperation. Sincerely, ********* * ******* I want them to delete the account immediately

  

  Business Response

  Date: 03/01/2023

  February 20, 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 February 13,
  2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on March 18, 2020. 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 18, 2015 with ****** *** ***** **** The last payment in
  the amount of $50.00 was received on July 10, 2019. The Account charged off on February 24, 2020 with
  a balance of $1,430.21. No payments have been received on the Account since it was acquired by the
  Current Owner. The current Account balance is $1,741.76. Bill statements and terms and conditions on file
  for the Account are enclosed for review.
  
  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. Based on information contained in the
  Account records, the tradeline for this Account should not be deleted.
  
  A judgment was obtained February 16, 2022 in Sixth Division District Court, Providence, Rhode
  Island with case number **************. Our records indicate that ********* ******* was served the
  summons and complaint on November 22, 2021. 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.
  
  ********* *******’s February 13, 2023 inquiry contains a request to cease communication. We
  have therefore placed a restriction on the Account so that our office initiates no further contact with the
  customer, except to respond to specific requests.
  
  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:02/13/2023

  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.

  Hi LVNV Funding LLC has listed a fraudulent account on my credit files I have no knowledge of and was never contacted that they have brought the account and respondible to collect on an account that's not mines

  

  Business Response

  Date: 02/28/2023

  February 22, 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 February 13,
  2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on February 16, 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 February 9, 2017 with ******* **** **** The last payment in the amount
  of $100.00 was received on May 28, 2017. The Account charged off on January 8, 2018 with a balance of
  $546.10. No payments have been received on the Account since it was acquired by the Current Owner. The
  current Account balance is $546.10.
  
  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 are providing the account summary and bill statements 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:02/13/2023

  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.

  LVNV FUNDING LLC IS A COLLECTION AGENCY. THEY ARE PROMOTING FRAUD, AND EXECUTING BLACKMAIL AND EXTORTION. CHECK THE ACCQUIRED ORIGINAL DEBT VIASAT NEVER HEARD OF HIM. I HAVE NO ACCOUNT WITH VIASAT AND VIASAT ALSO DEEMS AS FRAUD. ENHANCED RECOVERY COMPANY ANOTHER COLLECTION AGENCY REF#*********, DEEMS IT AS FRAUD FROM LVNV FUNDING LLC. DYNAMIC RECOVERY SOLUTION MARKED AS FRAUD AFTER CONFIRMING WITH ORIGINAL DEBT COLLECTOR AND TWO OTHER DEBT COLLECTION AGENCIES, I CONTACTED LVNV FUNDING LLC. THEY BASICALLY TOLD ME IT WILL BE OFF MY CREDIT REPORT IN 7 YEARS. I WAS FROM LNVN FNDING LLC, TOLD FOR A FEE I COULD REMOVE THIS OFF MY CREDIT REPORT IN 90 DAYS.

  

  Business Response

  Date: 03/01/2023

  February 22, 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 February 13,
  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.
  
  The first account, account number *********, reference number *********, originated with
  ******* **** on January 18, 2020. This account charged off on September 14, 2020 with a balance of
  $700.32. LVNV acquired this account on December 29, 2021.
  
  The second account, account number *********, reference number *********, originated with
  ******* **** on January 19, 2019. This account charged off on July 22, 2019 with a balance of $812.32.
  LVNV acquired this account on December 29, 2021.
  
  We have investigated ****** ***********’s fraud claims and have made the decision to close
  these accounts. These accounts will not be sold.
  
  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.
  

• Initial Complaint

  Date:02/13/2023

  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 very disturbed and upset withLVNV FUNDING LLC has not responded back to me I sent a letter requesting the proof of contract . I need these accounts deleted from my credit report they violating my right

  

  Business Response

  Date: 03/01/2023

  February 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 February 13,
  2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on April 20, 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 August 11, 2015 with ******* *** **** ****** **** The last payment
  in the amount of $100.00 was received on June 13, 2020. The Account charged off on February 9, 2021
  with a balance of $1,084.40. No payments have been received on the Account since it was acquired by the
  Current Owner. The current Account balance is $1,084.40.
  
  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.
  
  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. 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.
  
  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.
  
  The enclosed account summary, bill statements, and terms and conditions were provided to ***** ***** as verification of debt in response to their inquiry with the Consumer Financial Protection Bureau
  that our office received on February 3, 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,
  
  
  
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.