February 1, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear MsR***: This letter is in response to the additional concerns submitted by *** *** dated January 26, 2018 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV. Our records do not indicate that Resurgent has received any correspondence from Ms*** prior to her January 17, inquiryOur previous response to Ms***’s inquiry provided her with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)This account has been properly verified, as required by the FDCPA; however, we have requested further supporting account information from *** *** Bank (USA), N.AIf received, we will forward it to Ms*** upon receipt. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.September 1, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File
No*** Previous Creditor: *** *** *** Original Creditor: *** *** *** Current Owner: *** *** Account Number: *** Reference Number: *** Dear *** *** This letter is in response to your correspondence dated August 27, regarding the above-referenced account*** *** ("***") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by ***The account was previously sold by *** *** *** on or about May 10, Please review the following account information: This account originated on October 1, with *** *** *** and was opened with *** The last payment in the amount of $was received on January 31, 2009, with total payments received of $1,since Resurgent began servicing the account in May 2002. In consideration of the payments received on the account, Resurgent has closed the account as paidThe status of the account was updated to "Satisifed in Full" on September The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. If you have any further questions, comments or concerns, please contact Customer Service at ***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Revdex.com:
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,
*** ***I do not agree because as attached I have been a victim of identity theft so this
account for me is still invalid/inaccurate which is why I want it to be removed from my credit report
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.October 2, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear *** *** This letter is in response to the additional concerns submitted by *** *** dated September 28, 2015 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV. *** *** spouse, Justin ***, contacted Resurgent September 30, and Resurgent faxed *** *** a copy of the Warrant to Satisfy Judgment per his requestAdditionally, please find enclosed a copy of the Warrant to Satisfy JudgmentPlease note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance-related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concernsWe apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure
Please see the attached response.April 21, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous Creditor: *** *** Original Creditor: *** ***
*** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $681.19 Dear *** *** This letter is in response to your correspondence dated April 14, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** on or about February 23, As of the date of this communication, the account balance is $Please review the following account information: This account originated on June 15, 2008, with *** *** *** *** This account charged off on January 21, 2010, with a balance of $611.19. The last payment in the amount of $was received on June 11, 2009. No payments have been received on this account since Resurgent started servicing it in February 2010. Enclosed is a bill statement for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from *** *** regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. A lawsuit has been filed in Fourth Judicial District Court *** County, *** with case number *** The court hearing has been set for June 11, 2015, at 10:AM in Room of *** County Conciliation CourtEnclosed is a copy of the Notice of Hearing for *** ***’s reviewThe statute of limitations for seeking legal action, such as a judgment, has not expiredThe account balance is still collectible. *** *** *** *** charged off this debt and sold the accountIt is likely that *** *** believes that the “charge-off” means that the debt is satisfied; however, this is not the caseCharge-off is an accounting requirement which means that an account has been recognized as unlikely to repay and no longer considered an asset to the original creditorIt does not affect the debtor’s responsibility for the account debtAfter charge-off, an account remains collectible, and if sold, the current owner has the right to collectA charged-off account may remain on a credit report for up to seven yearsIt is the “Date of First Delinquency” that the consumer reporting agencies (also known as “credit bureaus”) use to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is July 20, The tradeline will be deleted on or before April 20, 2016. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** *** and/or *** *** *** *** concerning his/her dispute, it may help with our investigation, so please have him/her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: *** ***; Case/File No*** Previous Creditor: *** Brands, Inc. Original Creditor: *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear Ms***: This letter is in response to your
correspondence dated March 26, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on October 28, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVPlease review the following account information: This account originated on March 21, with *** and was opened with *** ***. This account charged off on September 4, with a balance of $231.99. The last payment in the amount of $was received on January 25, 2017. We have verified that this account was satisfied in full on January 25, for $The status of the account was updated to “Satisfied in Full” on or about February 16, The account is considered resolved in our office, and Ms*** should not be contacted by Resurgent or any affiliate companies regarding the account. As advised in our previous response to Ms***’s inquiry, the LVNV tradeline is currently accurately reporting as a “paid in full for less than the full balance.” Resurgent does not accept payment in exchange for tradeline deletionHowever, as a courtesy, a request to delete the LVNV tradeline will be submitted to the three major credit reporting agencies (also known as “credit bureaus”) during the next reporting cyclePlease allow to days for this update to occurPrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. We recognize that Ms*** previously sent emails to our Customer Service department regarding this accountPlease be advised that Resurgent does not correspond with customers via electronic mailThis response shall serve as our formal response to Ms***’s electronic correspondenceWe apologize for any inconvenience. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
Please see the attached response.April 24, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No*** Original Creditor: *** *** ** ** Current
Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $2,039.80 Dear *** *** This letter is in response to your correspondence dated April 21, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** ** ** on or about March 10, As of the date of this communication, the account balance is $2,Please review the following account information: This account originated on July 29, 1999, with *** *** ** ** and was opened with *** This account charged off on March 3, 2004, with a balance of $1,077.70. The last payment in the amount of $was received on July 22, 2003. No payments have been received on this account since Resurgent started servicing it in March 2004. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agencies. Resurgent utilizes third party collection agencies to service accounts on its behalfThis account has been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for this account would have been met by these collection agencies. *** *** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or *** *** responsibility for the balance due on this account. The validation notice was mailed to *** *** on April 8, Enclosed is a copy of that letter for your reviewAdditionally, Resurgent will place *** *** account in a cease and desist status based on her complaintWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** *** ** ** and/or *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
I have sent LVNV Funding L.L.Cmultiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amountThe only thing LVNV Funding has sent me in the past twelve months is an itemized document
without providing any proof, bearing my signatureAs per FTC opinion letter from Attorney John ** ***, you should be aware that a printout of a bill or itemized document does not constitute verificationI have never done business with LVNV Funding LLC, never signed a contract, nor do I owe them any moneyLVNV Funding has not complied with FCRA 623(a)(3), or section 603(p), and has not complied with the Fair Debt Collection Practices Act Section 807(8) by not placing the disclosure within the required day period
Please see the attached response.July 29, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Previous Creditor: *** *** Original Creditor: *** ***
*** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $804.73 Dear *** *** This letter is in response to your correspondence dated July 27, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** on or about October 15, As of the date of this communication, the account balance is $Please review the following account information: This account originated on February 7, 2013, with *** *** *** *** This account charged off on September 13, 2013, with a balance of $650.12. No payments have been received on this account since Resurgent started servicing it in October 2013. Enclosed are bill statements and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from *** *** regarding the above-referenced accountResurgent has not received any phone calls or correspondence from *** *** as indicated in her inquiryIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** *** *** *** and/or *** *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
March 21, 2016 *** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 *** *** *** *** *** *** Dear *** *** This letter is in response to your correspondence dated March 15,
regarding the above-referenced matterAfter researching this matter, it has been determined *** *** is not the responsible party for this matterResurgent Capital Services L.P(“Resurgent”) has deleted *** *** address from our system*** *** should no longer be contacted by Resurgent or any company hired by us regarding this matterWe apologize for any inconvenience *** *** may have experienced. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. My reasons for rejection of this response are as follows:Resurgent Capital Services, LP alleges to have mailed myself
an enclosed letter dated January 9, No letter was received by myself, family members or representatives at my householdFurthermore, as I have provided documentation that demonstrates my proof of contact with Resurgent through Certified USPS mail with return receipt, I would expect a company that asserts this claim would require the same threshold for their internal documentationMerely claiming to have mailed documentation is unsupported.Resurgent Capital Services, LP agrees through their response to the Revdex.com on January 2, that they did, in fact, receive from myself a dispute letter on November 21, and a request for verification of the debtThis was in response to correspondence sent to me from Resurgent on November 3, 2017, which was Business Days laterResurgent alleges to have mailed an enclosed letter, with no supported documentation, in response to me, dated January 9, This would have been Business Days after receiving my dispute letterResurgent did not provide in this claim, which is demonstrated behavior by Resurgent, their correspondence they claim to have mailed to me from November 3, Furthermore Resurgent failed to adhere to Massachusetts CMR 18.18, 1(c) a statement that unless the consumer, within thirty days after receipt of the notice, disputes that validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collectorAs I provided documentation showing the correspondence from Resurgent on November 3, 2016, nowhere in that correspondence does it provide that statement nor does it provide under CMR (c) - referenced above, (d) and (e) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; (e) and a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditorResurgent Capital Services, LP alleges to have sent debt verification on January 9, and December 15, As of January 8, 2018, I have only finally received documents through this complaintFurthermore, *** * *** Associates, Inc., Resurgent's claimed third party servicer which Resurgent stated to have placed my account with on or about February 2017, contacted myself on September 21, This third party servicer did not follow the guidelines of Massachusetts CMR 1(c), (d), (e) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing: (c) a statement that unless the consumer, within thirty days after receipt of the notice, disputes that validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (d) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (e) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.Resurgent Capital Services, LP if in fact did send debt verification dated January 9, 2017, having been Business Days after my dispute as they allege, this would also have not been sufficient under Massachusetts CMR 3(a) All papers or copies of papers and electronic records, in the possession of the debt collector which bear the signature of the consumer and which concern the debt being collectedAs evidenced by the documentation provided by Resurgent under this claim, they did not provide any copies of papers and electronic records that bear my signature to me on the dates referenced or through documentation in this claimResurgent Capital Services, LP claims to have provided me with debt verification after allegedly sending a letter on December 15, This was after conducting an investigation of my dispute letter sent to *** * *** Associates, IncThe dispute letter was forwarded to Resurgent by *** * *** Associates, Inc., a representative of ResurgentMy first time viewing or receiving this response from Resurgent is through this complaint on January 8, 2018. Resurgent Capital Services, LP states that my documentation from November 21, was insufficient to support my claim and that the account would be returned to collectionsThis is arbitrary because I did not receive documentation from Resurgent on January 9, or December 15, as they claimAnd that through this complaint, this is in fact the first time, January 8, 2018, that I have seen the two letters from Resurgent dated January 9, and December 15, Resurgent should not have attempted to continue collections on this debt in the time in between November 21, until today, January 8, Furthermore, as *** * *** Associates, Incis a representative of Resurgent, I should not have been contacted by *** * *** until debt verification was proved to be provided to me by ResurgentMerely stating that debt verification was mailed to me is insufficient and clearly unsupportedI provided proof of contact with Resurgent and *** * *** through Certified USPS mail with return receipt, and Resurgent admits to receiving this documentationI would expect that both companies that assert this claim would require the same threshold of correspondence to ensure that proper documentation was received by the recipient(me)
Regards,
*** ***
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 16, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No
*** Previous Creditor: *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $789.78 Dear *** ***: This letter is in response to your correspondence dated June 15, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by ***, LLC ("***") on or about April 11, As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 14, with *** *** *** *** This account charged off on March 14, with a balance of $589.27. The last payment in the amount of $was received on January 16, 2013. No payments have been received on this account since Resurgent started servicing it in April 2013. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. While this appears to be a valid debt handled appropriately, in consideration of *** *** specific situation, Resurgent has decided to no longer collect on this account*** *** should receive no further unsolicited written or verbal communication from Resurgent or any affiliated agencyWe apologize for any inconvenience experienced in regard to the collection of this account. If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
*** ** ***Dispute Resolution Director
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me under the circumstances. There are inaccuracies included on Resurgent's response letter in regards to our communications, disputes, as well as dates I have no desire to pursue or extend this matter any further as long as they comply with their promise of removing the entire tradeline from all three major credit bureaus, as specified in their letter. I would like to take this moment to thank the Revdex.com of SC for being so diligent, and the time and effort in assisting with this matter.
Best Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Thank you very much for resolving this matter.
Regards,
*** ***
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.October 20, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No
*** Previous Creditor: *** ***, LLC Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** *** This letter is in response to your correspondence dated October 14, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** ***, LLC on or about November 10, Please review the following account information: This account originated on May 22, with *** *** *** ***. This account charged off on June 30, 2004. The last payment in the amount of $was received on June 3, 2008. No payments have been received on this account since Resurgent started servicing it in November 2008. *** *** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, expiration of the statute of limitations does not invalidate the obligation or *** ***’s responsibility for the balance due on this accountAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaintHowever, despite these findings, Resurgent has made the business decision to close the accountCurrently, LVNV is not reporting the account to the major consumer reporting agencies (also known as “credit bureaus”)This account is considered resolved in our office and *** *** should not be contacted by Resurgent or any affiliate companies regarding the collection of this account. If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see the attached response.April 24, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No*** Previous Creditor: *** **, LLC Original Creditor:
*** *** *** *** *** Current Owner: LVNV Funding LLC Account Number: ***
*** *** *** Current Balance: $708.19 Dear *** *** This letter is in response to your correspondence dated April 21, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** **, LLC on or about August 30, As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 10, 2008, with *** *** *** *** *** and was opened with *** *** This account charged off on July 23, 2009, with a balance of $519.87. No payments have been received on this account since Resurgent started servicing it in August 2011. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from *** *** regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. *** *** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or *** ***’s responsibility for the balance due on this account. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** **, LLC, *** *** *** National Bank and/or *** *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 8***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.May 22, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Original Creditor: *** *** *** *** *** Current Owner:
LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,554.24 Dear *** *** This letter is in response to your correspondence dated May 21, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** *** *** on or about June 9, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on May 7, 2008, with *** *** *** *** *** This account charged off on May 4, 2009, with a balance of $1,136.87. No payments have been received on this account since Resurgent started servicing it in June 2009. Enclosed are bill statements and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** *** *** *** *** concerning his/her dispute, it may help with our investigation, so please have him/her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
March 12, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Reference Number: ***
Dear MsR***: This letter is in response to the additional concerns submitted by Mr*** dated March 7, 2018 regarding the above-referenced accountPinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by Pinnacle. A request to delete the Pinnacle tradeline was submitted to the three major consumer reporting agencies prior to the expiration of the permissible reporting periodPlease allow to days for the update to occur with the consumer reporting agencies. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
Please see the attached response.April 27, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164RE: *** ** *** Case/File No*** Reference Numbers: *** *** Dear ***
*** This letter is in response to your correspondence dated April 21, 2015, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for *** ***Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: *** Reference Number: *** Original Creditor: *** *** *** *** This account originated on May 18, 2012, with *** *** *** *** This account charged off on February 24, 2013, with a balance of $655.61. This account was purchased from *** *** on March 11, 2013. The last payment in the amount of $was received on September 9, 2012. No payments have been received on this account since Resurgent started servicing it in March 2013. The current balance of this account is $655.61. Enclosed are bill statements and an account summary for your review. Account Number: *** Reference Number: *** Original Creditor: *** *** *** *** This account originated on May 11, 2010, with *** *** *** *** and was opened with *** ***. This account charged off on July 30, 2011, with a balance of $381.48. This account was purchased from *** *** *** *** *** on March 18, 2013. The last payment in the amount of $was received on November 24, 2010. No payments have been received on this account since Resurgent started servicing it in March 2013. The current balance of this account is $936.79. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditorsThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditors may also continue to report the history of these accounts from the origination date to the time of sale. Resurgent received multiple disputes that *** *** submitted electronically through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureausIn accordance with the Fair Credit Reporting Act, the LVNV tradelines are being reported as “disputed” to the three major consumer reporting agenciesThey will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent utilizes third party collection agencies to service accounts on its behalfThese accounts have been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for these accounts would have been met by these collection agencies. The validation notice for account number ending in was mailed to *** *** on April 8, 2014. Enclosed is a copy of the letter for your review. If, after review of the above-referenced information, *** *** believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If these accounts were paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from the previous creditors concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
February 1, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear MsR***: This letter is in response to the additional concerns submitted by *** *** dated January 26, 2018 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV. Our records do not indicate that Resurgent has received any correspondence from Ms*** prior to her January 17, inquiryOur previous response to Ms***’s inquiry provided her with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)This account has been properly verified, as required by the FDCPA; however, we have requested further supporting account information from *** *** Bank (USA), N.AIf received, we will forward it to Ms*** upon receipt. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.September 1, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File
No*** Previous Creditor: *** *** *** Original Creditor: *** *** *** Current Owner: *** *** Account Number: *** Reference Number: *** Dear *** *** This letter is in response to your correspondence dated August 27, regarding the above-referenced account*** *** ("***") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by ***The account was previously sold by *** *** *** on or about May 10, Please review the following account information: This account originated on October 1, with *** *** *** and was opened with *** The last payment in the amount of $was received on January 31, 2009, with total payments received of $1,since Resurgent began servicing the account in May 2002. In consideration of the payments received on the account, Resurgent has closed the account as paidThe status of the account was updated to "Satisifed in Full" on September The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. If you have any further questions, comments or concerns, please contact Customer Service at ***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Revdex.com:
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,
*** ***I do not agree because as attached I have been a victim of identity theft so this
account for me is still invalid/inaccurate which is why I want it to be removed from my credit report
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.October 2, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear *** *** This letter is in response to the additional concerns submitted by *** *** dated September 28, 2015 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNV. *** *** spouse, Justin ***, contacted Resurgent September 30, and Resurgent faxed *** *** a copy of the Warrant to Satisfy Judgment per his requestAdditionally, please find enclosed a copy of the Warrant to Satisfy JudgmentPlease note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance-related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concernsWe apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure
Please see the attached response.April 21, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous Creditor: *** *** Original Creditor: *** ***
*** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $681.19 Dear *** *** This letter is in response to your correspondence dated April 14, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** on or about February 23, As of the date of this communication, the account balance is $Please review the following account information: This account originated on June 15, 2008, with *** *** *** *** This account charged off on January 21, 2010, with a balance of $611.19. The last payment in the amount of $was received on June 11, 2009. No payments have been received on this account since Resurgent started servicing it in February 2010. Enclosed is a bill statement for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from *** *** regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. A lawsuit has been filed in Fourth Judicial District Court *** County, *** with case number *** The court hearing has been set for June 11, 2015, at 10:AM in Room of *** County Conciliation CourtEnclosed is a copy of the Notice of Hearing for *** ***’s reviewThe statute of limitations for seeking legal action, such as a judgment, has not expiredThe account balance is still collectible. *** *** *** *** charged off this debt and sold the accountIt is likely that *** *** believes that the “charge-off” means that the debt is satisfied; however, this is not the caseCharge-off is an accounting requirement which means that an account has been recognized as unlikely to repay and no longer considered an asset to the original creditorIt does not affect the debtor’s responsibility for the account debtAfter charge-off, an account remains collectible, and if sold, the current owner has the right to collectA charged-off account may remain on a credit report for up to seven yearsIt is the “Date of First Delinquency” that the consumer reporting agencies (also known as “credit bureaus”) use to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is July 20, The tradeline will be deleted on or before April 20, 2016. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** *** and/or *** *** *** *** concerning his/her dispute, it may help with our investigation, so please have him/her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: *** ***; Case/File No*** Previous Creditor: *** Brands, Inc. Original Creditor: *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear Ms***: This letter is in response to your
correspondence dated March 26, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on October 28, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVPlease review the following account information: This account originated on March 21, with *** and was opened with *** ***. This account charged off on September 4, with a balance of $231.99. The last payment in the amount of $was received on January 25, 2017. We have verified that this account was satisfied in full on January 25, for $The status of the account was updated to “Satisfied in Full” on or about February 16, The account is considered resolved in our office, and Ms*** should not be contacted by Resurgent or any affiliate companies regarding the account. As advised in our previous response to Ms***’s inquiry, the LVNV tradeline is currently accurately reporting as a “paid in full for less than the full balance.” Resurgent does not accept payment in exchange for tradeline deletionHowever, as a courtesy, a request to delete the LVNV tradeline will be submitted to the three major credit reporting agencies (also known as “credit bureaus”) during the next reporting cyclePlease allow to days for this update to occurPrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. We recognize that Ms*** previously sent emails to our Customer Service department regarding this accountPlease be advised that Resurgent does not correspond with customers via electronic mailThis response shall serve as our formal response to Ms***’s electronic correspondenceWe apologize for any inconvenience. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
Please see the attached response.April 24, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No*** Original Creditor: *** *** ** ** Current
Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $2,039.80 Dear *** *** This letter is in response to your correspondence dated April 21, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** ** ** on or about March 10, As of the date of this communication, the account balance is $2,Please review the following account information: This account originated on July 29, 1999, with *** *** ** ** and was opened with *** This account charged off on March 3, 2004, with a balance of $1,077.70. The last payment in the amount of $was received on July 22, 2003. No payments have been received on this account since Resurgent started servicing it in March 2004. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, LVNV is not reporting the account to the major consumer reporting agencies. Resurgent utilizes third party collection agencies to service accounts on its behalfThis account has been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for this account would have been met by these collection agencies. *** *** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or *** *** responsibility for the balance due on this account. The validation notice was mailed to *** *** on April 8, Enclosed is a copy of that letter for your reviewAdditionally, Resurgent will place *** *** account in a cease and desist status based on her complaintWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** *** ** ** and/or *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
I have sent LVNV Funding L.L.Cmultiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amountThe only thing LVNV Funding has sent me in the past twelve months is an itemized document
without providing any proof, bearing my signatureAs per FTC opinion letter from Attorney John ** ***, you should be aware that a printout of a bill or itemized document does not constitute verificationI have never done business with LVNV Funding LLC, never signed a contract, nor do I owe them any moneyLVNV Funding has not complied with FCRA 623(a)(3), or section 603(p), and has not complied with the Fair Debt Collection Practices Act Section 807(8) by not placing the disclosure within the required day period
Please see the attached response.July 29, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Previous Creditor: *** *** Original Creditor: *** ***
*** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $804.73 Dear *** *** This letter is in response to your correspondence dated July 27, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** on or about October 15, As of the date of this communication, the account balance is $Please review the following account information: This account originated on February 7, 2013, with *** *** *** *** This account charged off on September 13, 2013, with a balance of $650.12. No payments have been received on this account since Resurgent started servicing it in October 2013. Enclosed are bill statements and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from *** *** regarding the above-referenced accountResurgent has not received any phone calls or correspondence from *** *** as indicated in her inquiryIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** *** *** *** and/or *** *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
March 21, 2016 *** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 *** *** *** *** *** *** Dear *** *** This letter is in response to your correspondence dated March 15,
regarding the above-referenced matterAfter researching this matter, it has been determined *** *** is not the responsible party for this matterResurgent Capital Services L.P(“Resurgent”) has deleted *** *** address from our system*** *** should no longer be contacted by Resurgent or any company hired by us regarding this matterWe apologize for any inconvenience *** *** may have experienced. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. My reasons for rejection of this response are as follows:Resurgent Capital Services, LP alleges to have mailed myself
an enclosed letter dated January 9, No letter was received by myself, family members or representatives at my householdFurthermore, as I have provided documentation that demonstrates my proof of contact with Resurgent through Certified USPS mail with return receipt, I would expect a company that asserts this claim would require the same threshold for their internal documentationMerely claiming to have mailed documentation is unsupported.Resurgent Capital Services, LP agrees through their response to the Revdex.com on January 2, that they did, in fact, receive from myself a dispute letter on November 21, and a request for verification of the debtThis was in response to correspondence sent to me from Resurgent on November 3, 2017, which was Business Days laterResurgent alleges to have mailed an enclosed letter, with no supported documentation, in response to me, dated January 9, This would have been Business Days after receiving my dispute letterResurgent did not provide in this claim, which is demonstrated behavior by Resurgent, their correspondence they claim to have mailed to me from November 3, Furthermore Resurgent failed to adhere to Massachusetts CMR 18.18, 1(c) a statement that unless the consumer, within thirty days after receipt of the notice, disputes that validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collectorAs I provided documentation showing the correspondence from Resurgent on November 3, 2016, nowhere in that correspondence does it provide that statement nor does it provide under CMR (c) - referenced above, (d) and (e) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; (e) and a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditorResurgent Capital Services, LP alleges to have sent debt verification on January 9, and December 15, As of January 8, 2018, I have only finally received documents through this complaintFurthermore, *** * *** Associates, Inc., Resurgent's claimed third party servicer which Resurgent stated to have placed my account with on or about February 2017, contacted myself on September 21, This third party servicer did not follow the guidelines of Massachusetts CMR 1(c), (d), (e) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing: (c) a statement that unless the consumer, within thirty days after receipt of the notice, disputes that validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (d) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (e) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.Resurgent Capital Services, LP if in fact did send debt verification dated January 9, 2017, having been Business Days after my dispute as they allege, this would also have not been sufficient under Massachusetts CMR 3(a) All papers or copies of papers and electronic records, in the possession of the debt collector which bear the signature of the consumer and which concern the debt being collectedAs evidenced by the documentation provided by Resurgent under this claim, they did not provide any copies of papers and electronic records that bear my signature to me on the dates referenced or through documentation in this claimResurgent Capital Services, LP claims to have provided me with debt verification after allegedly sending a letter on December 15, This was after conducting an investigation of my dispute letter sent to *** * *** Associates, IncThe dispute letter was forwarded to Resurgent by *** * *** Associates, Inc., a representative of ResurgentMy first time viewing or receiving this response from Resurgent is through this complaint on January 8, 2018. Resurgent Capital Services, LP states that my documentation from November 21, was insufficient to support my claim and that the account would be returned to collectionsThis is arbitrary because I did not receive documentation from Resurgent on January 9, or December 15, as they claimAnd that through this complaint, this is in fact the first time, January 8, 2018, that I have seen the two letters from Resurgent dated January 9, and December 15, Resurgent should not have attempted to continue collections on this debt in the time in between November 21, until today, January 8, Furthermore, as *** * *** Associates, Incis a representative of Resurgent, I should not have been contacted by *** * *** until debt verification was proved to be provided to me by ResurgentMerely stating that debt verification was mailed to me is insufficient and clearly unsupportedI provided proof of contact with Resurgent and *** * *** through Certified USPS mail with return receipt, and Resurgent admits to receiving this documentationI would expect that both companies that assert this claim would require the same threshold of correspondence to ensure that proper documentation was received by the recipient(me)
Regards,
*** ***
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 16, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No
*** Previous Creditor: *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $789.78 Dear *** ***: This letter is in response to your correspondence dated June 15, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by ***, LLC ("***") on or about April 11, As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 14, with *** *** *** *** This account charged off on March 14, with a balance of $589.27. The last payment in the amount of $was received on January 16, 2013. No payments have been received on this account since Resurgent started servicing it in April 2013. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. While this appears to be a valid debt handled appropriately, in consideration of *** *** specific situation, Resurgent has decided to no longer collect on this account*** *** should receive no further unsolicited written or verbal communication from Resurgent or any affiliated agencyWe apologize for any inconvenience experienced in regard to the collection of this account. If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
*** ** ***Dispute Resolution Director
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me under the circumstances. There are inaccuracies included on Resurgent's response letter in regards to our communications, disputes, as well as dates I have no desire to pursue or extend this matter any further as long as they comply with their promise of removing the entire tradeline from all three major credit bureaus, as specified in their letter. I would like to take this moment to thank the Revdex.com of SC for being so diligent, and the time and effort in assisting with this matter.
Best Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Thank you very much for resolving this matter.
Regards,
*** ***
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.October 20, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No
*** Previous Creditor: *** ***, LLC Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Dear *** *** This letter is in response to your correspondence dated October 14, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** ***, LLC on or about November 10, Please review the following account information: This account originated on May 22, with *** *** *** ***. This account charged off on June 30, 2004. The last payment in the amount of $was received on June 3, 2008. No payments have been received on this account since Resurgent started servicing it in November 2008. *** *** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, expiration of the statute of limitations does not invalidate the obligation or *** ***’s responsibility for the balance due on this accountAfter investigating the account, we did not find any evidence of the mishandlings alleged in the complaintHowever, despite these findings, Resurgent has made the business decision to close the accountCurrently, LVNV is not reporting the account to the major consumer reporting agencies (also known as “credit bureaus”)This account is considered resolved in our office and *** *** should not be contacted by Resurgent or any affiliate companies regarding the collection of this account. If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
Please see the attached response.April 24, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** ***; Case/File No*** Previous Creditor: *** **, LLC Original Creditor:
*** *** *** *** *** Current Owner: LVNV Funding LLC Account Number: ***
*** *** *** Current Balance: $708.19 Dear *** *** This letter is in response to your correspondence dated April 21, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** **, LLC on or about August 30, As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 10, 2008, with *** *** *** *** *** and was opened with *** *** This account charged off on July 23, 2009, with a balance of $519.87. No payments have been received on this account since Resurgent started servicing it in August 2011. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from *** *** regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. *** *** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or *** ***’s responsibility for the balance due on this account. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** **, LLC, *** *** *** National Bank and/or *** *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 8***
*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.May 22, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Original Creditor: *** *** *** *** *** Current Owner:
LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,554.24 Dear *** *** This letter is in response to your correspondence dated May 21, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** *** *** on or about June 9, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on May 7, 2008, with *** *** *** *** *** This account charged off on May 4, 2009, with a balance of $1,136.87. No payments have been received on this account since Resurgent started servicing it in June 2009. Enclosed are bill statements and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from *** *** *** *** *** concerning his/her dispute, it may help with our investigation, so please have him/her forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ***-*** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
March 12, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Reference Number: ***
Dear MsR***: This letter is in response to the additional concerns submitted by Mr*** dated March 7, 2018 regarding the above-referenced accountPinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by Pinnacle. A request to delete the Pinnacle tradeline was submitted to the three major consumer reporting agencies prior to the expiration of the permissible reporting periodPlease allow to days for the update to occur with the consumer reporting agencies. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
Please see the attached response.April 27, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164RE: *** ** *** Case/File No*** Reference Numbers: *** *** Dear ***
*** This letter is in response to your correspondence dated April 21, 2015, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for *** ***Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: *** Reference Number: *** Original Creditor: *** *** *** *** This account originated on May 18, 2012, with *** *** *** *** This account charged off on February 24, 2013, with a balance of $655.61. This account was purchased from *** *** on March 11, 2013. The last payment in the amount of $was received on September 9, 2012. No payments have been received on this account since Resurgent started servicing it in March 2013. The current balance of this account is $655.61. Enclosed are bill statements and an account summary for your review. Account Number: *** Reference Number: *** Original Creditor: *** *** *** *** This account originated on May 11, 2010, with *** *** *** *** and was opened with *** ***. This account charged off on July 30, 2011, with a balance of $381.48. This account was purchased from *** *** *** *** *** on March 18, 2013. The last payment in the amount of $was received on November 24, 2010. No payments have been received on this account since Resurgent started servicing it in March 2013. The current balance of this account is $936.79. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditorsThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditors may also continue to report the history of these accounts from the origination date to the time of sale. Resurgent received multiple disputes that *** *** submitted electronically through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureausIn accordance with the Fair Credit Reporting Act, the LVNV tradelines are being reported as “disputed” to the three major consumer reporting agenciesThey will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent utilizes third party collection agencies to service accounts on its behalfThese accounts have been placed with various collection agencies since LVNV’s acquisitionAny notification requirements for these accounts would have been met by these collection agencies. The validation notice for account number ending in was mailed to *** *** on April 8, 2014. Enclosed is a copy of the letter for your review. If, after review of the above-referenced information, *** *** believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If these accounts were paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if *** *** has any correspondence to/from the previous creditors concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P. Enclosure(s)