Complaints
This profile includes complaints for LVNV Funding, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1,433 total complaints in the last 3 years.
- 481 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:02/10/2023
Type: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 Experian Bureau and LVNV FUNDING LLC to have this account removed from my file and they are always saying 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 Experian Bureau. Thus, I am reaching out to seek assistance to have LVNV FUNDING LLC confirm that I have no account with them, and Equifax and Transunion Bureaus can simply remove it from my credit report.
Business Response
Date: 02/27/2023
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: ******* *** Bank (USA), 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 10,
2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
currently owns the Account, having acquired it on December 8, 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 June 17, 2019 with ******* *** Bank (USA), N.A. The last payment in
the amount of $25.00 was received on May 4, 2021. The Account charged off on July 27, 2021 with a
balance of $2,576.11. No payments have been received on the Account since it was acquired by the Current
Owner. The current Account balance is $2,576.11.
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. 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.
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: 866-467-0918
** *** Attn: Compliance
P.O. Box *****
Greenville, SC 29603
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:02/10/2023
Type: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 ********* Bank PayPal and do not have a contract with LVNV Funding. They do not provide me with the original application like I asked.Business Response
Date: 02/27/2023
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: ********* Bank
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received February 10,
2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
currently owns the Account, having acquired it on May 26, 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 July 10, 2016 with ********* Bank and was opened with ******. The
last payment in the amount of $239.00 was received on December 22, 2018. The Account charged off on
August 18, 2019 with a balance of $2,354.30. No payments have been received on the Account since it was
acquired by the Current Owner. The current Account balance is $2,354.30.
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.
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 matches the
address that ****** ******** ******* included in their 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 1-888-********.
Respectfully,
Monique
Compliance Department
Resurgent Capital Services L.P.
Enclosure(s)Initial Complaint
Date:02/10/2023
Type: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.
has yet to remove this account off my my credit report , there's no proof of verification. show me a signature where I signed with this company, no E SIGN. n accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692CBusiness Response
Date: 02/27/2023
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. ********
Reference Numbers: *********, *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received February 10,
2023 regarding the referenced accounts. LVNV Funding LLC (“LVNV”) currently owns the two accounts
referenced in the inquiry. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the accounts.
The first account, account number ****************, reference number *********, originated
with ****** *** Bank, N.A. on October 19, 2016. The account charged off on May 28, 2017 with a balance
of $599.65. LVNV subsequently acquired this account on June 14, 2017. No payments have been received
on this account since it was acquired by LVNV. The current account balance is $599.65.
The second account, account number ****************, reference number *********,
originated with ******* ***, N.A. on August 20, 2015. This account charged off on January 5, 2018 with a
balance of $410.71. LVNV subsequently acquired this account on February 16, 2018. No payments have
been received on this account since it was acquired by LVNV. The current account balance is $410.71.
We are providing the enclosed account summaries and bill statements on file for the accounts 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.
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 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 1-888-********.
Respectfully,
Monique
Compliance Department
Resurgent Capital Services L.P.
Enclosure(s)Initial Complaint
Date:02/10/2023
Type: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.
These people keep blowing up my phone and hacked into my computer with malware every month this gets put on my credit report as if its a new account and it is not I am disabled and in poor health I want it to please stop this harrasment Alert Date02/10/2023 Balance Amount$442.00 Is CollectionYES Open Date02/06/2023 Payment StatusGRID CODE * (COLLECTIONS) Status Date02/06/2023 NameLVNV FUNDING LLC Phone(866) ******** Business Type** Street AddressPO BOX **** City********** ******* *************Customer Answer
Date: 02/21/2023
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
Date: 02/22/2023
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: Bank of ********
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received February 10,
2023 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
currently owns the Account, having acquired it on June 22, 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 3, 2018 with Bank of ******** and was opened with *****
******. The last payment in the amount of $40.00 was received on January 5, 2019. The Account charged
off on June 30, 2019 with a balance of $442.14. No payments have been received on the Account since it
was acquired by the Current Owner. The current Account balance is $442.14. Bill statements and terms and
conditions on file for the Account are enclosed for review.
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.
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 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.
****** *******’s February 10, 2023 inquiry contains language Resurgent has interpreted as a
request that we cease communication with them. 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.
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 their hardship so that we may
review their circumstance and take appropriate action on the Account. This documentation should be sent
to the following address or fax number:
Compliance Department
** ***
P.O. Box *****
Greenville, SC 29603
Fax: 866-********
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.
Enclosure(s)Initial Complaint
Date:02/09/2023
Type: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.
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies: Account Name LVNV FUNDING Balance $2,556.00 Account Number ****************Business Response
Date: 02/27/2023
February 16, 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 9, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on November 23, 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, 2015 with ******* and was opened with *********. The
Account charged off on October 26, 2021 with a balance of $2,789.42. The last payment in the amount of
$77.48 was received on February 14, 2023. The current Account balance is $2,402.02. Bill statements and
terms and conditions on file for the Account are enclosed for review. Please note beginning with the bill
statement dated February 2021, the address matches the address ******** ****** included in their inquiry.
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.
We reviewed the Identity Theft Report that ******** ****** provided and have determined that
the documentation is insufficient to close this Account as fraudulent.
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: 866-467-0918
** *** Attn: Compliance
P.O. Box *****
Greenville, SC 29603
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:02/08/2023
Type: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 any collection agency . They do not provide me with the original application like I asked Proof of copy of original application that includes my signature Full payment history from original creditor, original agreement showing they can legally collect the debt . If can’t send proof delete this account from credit report as soon as possible!Business Response
Date: 02/24/2023
February 17, 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 9, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on June 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
********** *******’s inquiry and believe the following information will address their concerns.
The Account originated on July 23, 2020 with ****** *** ***** **** The last payment in the
amount of $157.95 was received on September 14, 2021. The Account charged off on May 8, 2022 with a
balance of $774.93. No payments have been received on the Account since it was acquired by the Current
Owner. The current Account balance is $774.93. 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.
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. 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.
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:02/08/2023
Type: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 reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report DATE: 01/01/2022 ACCOUNT NAME: LVNV FUNDING LLC ACCT# xxxxxxxxxxxx **** DATE: 02/01/2022 ACCOUNT NAME: LVNV FUNDING LLC ACCT# xxxxxxxxxxxx **** Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted LVNV FUNDING LLC and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.Business Response
Date: 02/24/2023
February 17, 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 8,
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 February 12, 2020. The last payment in the amount of $90.00 was
received on August 27, 2021. This account charged off on January 24, 2022 with a balance of $662.79.
LVNV acquired this account on February 18, 2022. No payments have been received on this account
since it was acquired by LVNV. The current account balance is $662.79. Bill statements and terms and
conditions on file for the account are enclosed for review.
The enclosed letters containing verification of debt for the account ending in **** were mailed to
**** ******* ** on November 30, 2022 and December 27, 2022 in compliance with the Fair Debt
Collection Practices Act (“FDCPA”).
The second account, account number ****************, reference number *********,
originated with **** ** ******** on March 5, 2021 and was opened with First Access. The last payment
in the amount of $80.00 was received on July 12, 2021. This account charged off on December 31, 2021
with a balance of $456.40. LVNV acquired this account on January 21, 2022. No payments have been
received on this account since it was acquired by LVNV. The current account balance is $456.40. Bill
statements and terms and conditions on file for the account are enclosed for review.
The enclosed letters containing verification of debt for the account ending in **** were mailed to
**** ******* ** on November 30, 2022 and December 27, 2022 in compliance with the Fair Debt
Collection Practices Act (“FDCPA”).
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.
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.
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. Based on information contained in our account
records, the tradelines for these accounts should not be deleted; however, they are being reported as
disputed to the credit bureaus. They 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 accounts to the credit bureaus accurately in
accordance with credit reporting guidelines. **** ******* ** should contact the appropriate credit
bureau(s) regarding any information they believe is being reported in error.
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.
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:02/08/2023
Type: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.
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. LVNV FUNDING LLC **************** $1,834.00 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Business Response
Date: 02/24/2023
February 16, 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 8, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on May 26, 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 March 6, 2018 with ********* **** and was opened with Care Credit.
The last payment in the amount of $45.00 was received on June 21, 2020. The Account charged off on
January 26, 2021 with a balance of $1,834.54. No payments have been received on the Account since it
was acquired by the Current Owner. The current Account balance is $1,834.54.
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.
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:02/07/2023
Type: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.
This is a third party debt collector which already is about all the information you need These bottom feeding so called legit companies buy debts so they can turn around and try to collect not to even pay the original debtors but to make money off the fact that people either are unable or dont want to pay for one reason or the other This is the entire case here I had a debt with a company for years that I was a good customer It was supposed to fix my credit and it did anything but I was very poor I am also old and I had bad credit but this company gave me credit and I paid and did business with them for years then I moved and I missed one payment which started a domino effect I could not recover from they were adding outrageous fees and charging interest on top of that I still was making my payments but I was in dispute with them over their bogus charges I warned them if they did not stop I was going to stop paying and so I did but when I did that the entire balance was fees. So they proceed to add insult to injury by not only not helping me with my credit but ruining it. Years have gone by and then these people come along and the debt starts over like its new I got served with a court summons in the middle of a pandemic I guess they thought since courts were closed they would automatically win but they did not win in fact I went after their lawyers and they argued with and harrassed me for months finally they went into court and agreed to dismiss the case I have documentation to prove all this if I have to But they did NOT go away in fact to this day are still reporting this on my credit every month and the account is marked as CLOSED I dispute it on my credit and that didnt work either I want this company to remove this entire thing from my credit report its not right for them to try to sue me and then it gets dismissed and they are saying its a closed account yet reporting it every month I owe them nothing didnt even owe the original debt This needs to go awayCustomer Answer
Date: 02/17/2023
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.Everything they are stating in this response is them defending their borderline ILLEGAL and ILL Intent in handling this debt...the original creditor ****** *** bank has issued me a NEW card and I am currently in good standing and getting an EXCELLENT report to my credit but this NEGATIVE report from this company is doing me damage and I did just do what they are suggesting I DISPUTE it with the credit bureaus which IRONICALLY enough just today I got ONCE again the results of that dispute which is them saying the same things here they do there. I have NO LEGAL contract with this company and the original debtors are doing business with me again. The original credit limit on this card and DEBT they BOUGHT was $500 so how am I owing 1500 plus .....because its all FEES....and I am NOT paying ****** *** for that why would I pay this company NOT TO MENTION when the first bought this debt it was in the middle of a PANDEMIC and they serve me with COURT SUMMONS without even trying to reach out and negotiate with them which I DID DO when I got served with that...and the COURTS were all closed THATS why they dismissed it...and they did so without prejudice so they could come back again and again which is what they are doing now...but at the TIME in 2020...I CONTACTED them via phone and tried to renegotiate and SETTLE this debt I just got a stimulus check and I offered to pay the $500 which is what the debt should ACTUALLY BE and they refused Then I went to the ATTORNEY who was on the paperwork and we went back and forth in emial for WEEKS and when he wasnt being RUDE and ABUSIVE he IGNORED ME and I provided proof to him THEN that I am an OLD WOMAN with NO MONEY living on a fixed income and we are in the MIDDLE OF A PANDMIC how are we going to court when the court is CLOSED....and he NEVER answered me in fact I OFFERED HIM a settlement in the amount of $500 and he didnt even RESPOND to that...but the next thing I know I am getting a letter FROM THE COURT that it has been dismissed I thought it would FINALLY GO AWAY but it didnt as they continue to report this They are RUINING my credit and I cant even find a place to live right now because of this constant reporting of what is in my mind A FALSE DEBT If I owe anything I will pay it to ****** *** in fact since I got a new card I called them and tried to get them to do something and they dont even know what I am talking about let alone the fact that THIS is on my credit report and yet they issued me a new card not only that but UPPED My credit limit since ITS LAUGHABLE ....and I did some research on this company they have MULITITUDES of complaints and all they ever say is THE DEBT IS VALID....just saying ITS VALID does NOT make it TRUE....so okay they are just spewing the same garbage they always do and I am NOT accepting this ...and every single time I DISPUTE IT it starts the clock over so what exactly is the point here WHAT IS THE END OF THIS ....there is none so okay its been FIVE YEARS I will just wait it out and let it drop off I cant do anything else I am BROKE and POOR and OLD and maybe I will DIE before this is settled but they are NOT GETTING A DIME OUT OF ME...these companies are bottom feeding entities that PREY on people like me and I am NOT AIDING them in that.....I did try to do everything they have offerend in this response and I GIVE UP....you can close this case do whatever THEY ARE LIARS on top of it cause not anything they said in this repsonse is true I DID ALL that I am not dropping this complaint IT STANDS...I will NEVER try to negotiatie or prove ANYTHING to this company I have already done that what kind of documentation do they require I dont even know what that means I am not even understanding that statement at all what do you want to see a screenshot of my bank account which as of today is less than $30 or the fact I am being told to leave my place of residence and I have NO WHERE to go cause I cant get anyone to even consider me cause of my LOW CREDIT SCORE and my LOW INCOME would you like to see my SS documents or maybe you would like statements from all my family members that they have ABANDONED me to myself at 71 years of age and BROKE my own blood doesnt care about me why would BLOOD SUCKERS....pun intended...and I cant provide you any of those documents if I wanted to the bank doesnt allow SCREEN SHOTS I am NOT giving you my Social Security information and I am going to be living in my car soon so what address would you like me to provide you with the bottom line is YES I OWED ****** ***....$500....I was a good customer in good standing for YEARS I had some financial trouble got behind in my payments and we were off and running and they did NOT charge it off til it got to 1500 which is THREE TIMES the credit limit I refused to negotiate with them for YEARS before they SOLD it to these people who proceed to RUIN my life and my reputation This court case is FOREVER on my states case file EVEN THOUGH IT WAS DISMISSED....because it says WITHOUT PREJUDICE and these idiots chased me all over the state of MIssourit is SEVERAL courts there is a long list of these proceedings I wasnt even aware of....I MOVE ALOT cause I have a HORRIBLE LIFE....so finally they FOUND me and then instead of trying to SETTLE with me they tried to SUE me This ******* thing is ruining me with potenttial landlords as well and I CANT EVER GET THAT OFF....so Congratulations you arent getting any money for ANY of your trouble and you are ruining an OLD LADY who has NOTHING and is going to be homeless soon YOU MUST BE SO PROUD...bottom line I DONT OWE THIS COMPANY ANYTHING and I AM NOT PAYING THEM and they just reported it again to the credit bureau TODAY as a NEW AND OPENED ACCOUNT......DIRTY NO GOODS .......ROT!! I am not even talking about this NO MORE There is NO solution and even COMPLAINING to the BBB gives me NO relief....I am done!! Go do whatever but you are NOT GETTING any money I DONT HAVE ANY and if I won a million dollars TOMORROW you arent getting a DIME CASE CLOSED do your worst which you have pretty much already done I HAVE ABSOLUTLEY NOTHING TO LOSE and NO SOLUTION.......it is what it is I dont know what else to say I DO NOT OWE this debt I DO NOT OWE THIS COMPANY ANYTHING I have NO CONTRACT with them and I am tired of arguing about it and I DID TRY to settle it they dont want anything they want FUNDS they are NOT ENTITLED TO ....and I dont care how many times they say its VALID......ITS NOT!!! The end
Regards,
******** *****Business Response
Date: 03/07/2023
February 16, 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 7, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on March 19, 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 February 17, 2016 with ****** *** Bank, N.A. The last payment in the
amount of $2.09 was received on July 12, 2019. The Account charged off on February 12, 2020 with a
balance of $1,054.85. 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 Account balance is $1,054.85. 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. 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.
******** *****’s letter asserts that Current Owner “re-ages” accounts. 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. The credit bureaus use the “Date of First Delinquency” (not the “Open
Date”) to determine the seven-year period that derogatory information remains on a credit report. The “Date
of First Delinquency” for this Account is August 11, 2019.
We have confirmed that we are reporting the Account to the credit bureaus accurately in accordance
with credit reporting guidelines. ******** ***** should contact the appropriate credit bureau regarding any
information they believe is being reported in error.
Our records indicate that a lawsuit, Case No. ************, was filed on or about April 9, 2021
in the Circuit Court of ****** County, Missouri and was subsequently dismissed without prejudice on or
about January 20, 2022. The Account balance is still owed and collectible. The Current Owner’s tradeline
for this Account may still be reported to the credit bureaus as the legal reporting period has not expired.
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.
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 their hardship so that we may
review their circumstance and take appropriate action on the Account. This documentation should be sent
to the following address or fax number:
Compliance Department
** ***
P.O. Box *****
Greenville, SC 29603
Fax: 866-467-0918
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: 03/07/2023
February 26, 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 17,
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 7, 2023. We are
enclosing a copy of our previous response 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 Account,
we found no evidence of the mishandlings alleged in the 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 1-888-********.
Respectfully,
Monique
Compliance Department
Resurgent Capital Services L.P.
Enclosure(s)Initial Complaint
Date:02/07/2023
Type: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 placed an order with their client and told them I needed it sent signature required because we had had some theft they didn’t it got stolen. I reported it to them the very next day and I shouldn’t have to pay for this if I don’t have it. I have put in a dispute with them told them to check the audio logs from when I place the order it is not my fault that they did not ship it as requested, and if they couldn’t ship it signature required they should’ve notified me of that and not sent the order.Customer Answer
Date: 02/17/2023
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.
Regards,
**** ****As I never received any items, how could I owe them a bill?Customer Answer
Date: 03/03/2023
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.
Regards,
**** ****So I never received the merchandise and I reported it to ********* I had told them it needed to come signature required as I’ve had problems with people stealing packages. They didn’t send it signature required. Intern, I never received the package and as I stated, I called them and told them that you can listen to the audio tapes, I am not responsible for a debt on a product that I never received. If I had received it, I would’ve gladly paid for it. It was a gift from my son but as I never received it, he didn’t get the gift. I shouldn’t have to pay for it and I won’t pay for it .**** ****Business Response
Date: 03/03/2023
February 16, 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 7, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on June 29, 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 September 26, 2018 with ******* and was opened with *********.
The Account charged off on May 4, 2020 with a balance of $959.50. No payments have been received on
the Account since it was acquired by the Current Owner. The current Account balance is $959.50. Bill
statements and terms and conditions on file for the Account are enclosed for review.
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.
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 has contacted the previous creditor regarding the concerns raised in the inquiry. If, upon
hearing back from the previous creditor, we learn anything to substantiate these concerns, we will take any
steps necessary to resolve this matter.
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.
Enclosure(s)Business Response
Date: 03/03/2023
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 21,
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 7, 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,
Matt
Compliance Department
Resurgent Capital Services L.P.
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