RE: *** ***; Case/File No*** Reference Number: *** Dear MsR***: This letter is in response to the additional concerns submitted by Ms*** dated November 6, regarding the above-referenced accountCACH, LLC (“CACH”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by CACH. Upon receiving Ms***’s additional concerns, we further investigated the account formerly placed with our third-party *** * ***, PLCWe reviewed recordings of calls Ms*** placed to the firm requesting evidence that she had previously arranged and adhered to a payment plan before the previous servicer was absorbed by *** * ***, PLCMs*** was informed that a complete payment history was not available due to a transfer of her account from the previous servicer’s system of recordMs*** requested a letter detailing the original payment arrangement, and was informed that it was not possible to generate a new letter showing a back-dated payment arrangementTo rectify Ms. ***’s concerns, the firm’s representatives offered to speak with an authorized third-party representing Ms***’s mortgage company to explain the situationWhile we found that our third-party servicer acted in accordance with their process, we understand Ms***’s frustration, and apologize for any inconvenience she has experienced. Additionally, we are willing to honor the previous payment arrangement between Ms*** and our third-party servicerThe balance may be broken into monthly payments in the amount of $and one payment in the amount of $beginning on December 15, and continuing until the total current balance of $2,has been paid in full. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
** *** Place, Suite *** ** *** Toll Free Phone 1-888-*** Greenville, SC Toll Free Fax 1-866-*** Hours of Operation Monday-Thursday 8:30AM-6:00PM Friday 8:30AM-5:00PM February 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 *** *** dated February 7, regarding the above-referenced account*** LLC (“***”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by ***. We have investigated this matter and closed the account due to fraudThe account will not be sold or transferred and *** *** should no longer be contacted by Resurgent, or any affiliate companies, regarding the accountWe apologize for any inconvenience Juanita Dieujuste may have experienced. If *** *** has any further questions, comments or concerns, they may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
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,
*** ***
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 15, 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: *** Dear *** ***: This letter is in response to your correspondence dated June 11, 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 28, Please review the following account information: This account originated on October 24, with *** *** *** ***and was opened with *** ** *** *** This account charged off on February 26, with a balance of $2,644.13. The last payment in the amount of $1,was received on June 4, 2015. 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. 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. We have verified this account was paid in full for less than the full balance on June 4, for $1,797.07. The status of the account was updated to "Satisfied in Full" on June 12, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. Regarding *** ***’s concerns about the account still reporting to the credit reporting agencies as a collection, *** ***’s payment to satisfy the account was received June 4, The account was last reported to the consumer reporting agencies on June 3, Therefore, when the account last reported, it was not yet paidResurgent advised in the resolution offer sent to *** *** and his attorney that within days of receiving the payment, a request to update the LVNV tradeline would be submitted to the three major consumer reporting agenciesTherefore, in accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “paid in full for less than the full balance” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Enclosed is a copy of the resolution offer faxed to *** ***’s attorney on June 1, for review. 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 Resurgent's attached response to the referenced complaint as well as any relevant documents.November 20, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*
*** Previous Creditor: *** (*** ***), N.A. Original Creditor: *** (*** ***), *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $605.66 Dear *** ***: This letter is in response to your correspondence dated November 16, 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 December 13, As of the date of this communication, the account balance is $Please review the following account information: This account originated on May 13, with *** (*** ***), *** and was opened with ***. This account charged off on November 14, with a balance of $487.81. The last payment in the amount of $was received on March 22, 2010. No payments have been received on this account since Resurgent started servicing it in December 2010. Enclosed is the credit application, bill statements and an account summary on file that provide additional account information. 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. 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 agenciesIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The term “open” in *** ***’ credit report does not literally mean that the account is open or can be usedThat information is one of the data reporting requirements set by the consumer reporting agencies and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon demandThis is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and dueIf *** *** has additional questions related to the credit bureau reporting, then he/she will need to contact 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 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 the previous creditors 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)
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 24, 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: $55,510.14 Dear *** *** This letter is in response to your correspondence dated August 20, 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 September 25, As of the date of this communication, the account balance is $55,Please review the following account information: This account originated on May 1, with *** *** *** *** This account charged off on January 3, 2003. The last payment in the amount of $was received on July 23, 2014. 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, and has never reported, the account to the major consumer reporting agencies. Our records indicate that a lawsuit was filed in *** District Court, *** County, *** and Case No*** was dismissed without prejudiceThe account balance is still collectible. *** *** states in her Revdex.com inquiry that she received a response letter denying her request for verification of debtA letter including the validation notice was mailed to *** *** on May 15, 2015 and verification of debt was mailed to *** *** on June 26, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Enclosed is a copy of the letters for *** *** review* **. *** may be referring to the letter dated August 11, from Resurgent, enclosed, which advised the information she provided in her original dispute letter, dated May 5, 2015, was insufficient to support her claim that the account is fraud. 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.pdfAdditi...⇄ a blank copy is enclosed for convenience. 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 previous creditors 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)
First, I would like to thank you for providing the detailed
information. Second, it is unfortunate that I had to reach out to agencies like
the Revdex.com for assistance on such a personal matterIf only I had received the
requested information in writing I could have provided this to my
mortgage
company as proof of paying this debt since without missing a single
paymentIt would have been a much different outcome for me*** *** *** representatives, Lindsey C*** and Jeff refused my request and provided
incorrect informationHe sent me an email with a new agreementThird, I
researched the issue further and found that Resurgent had my account and your
company also refused to give me the balance in writing and referred me back to
*** *** ***
Lastly, I’ve attached
an email from Jeff who stated I had an agreement with *** *** *** but
nothing to indicate that I was already in an agreement which is what I
requestedWhat he sent did not have my balance and payments on the account
since it was transferred to a new collection companyI again asked for my
balance, and never got a replyand I also attached my emails between me and Loan Officer about Lindsey C*** giving me and the Loan Officer the run around.
This is a very
upsetting situation to be inIs it legal to refuse to provide written proof
of payment history?
I’m asking that this debt is settled based on the beginning
balance of $and payments made of $4125, which almost 70% is paid to date,
and remove the negative entry from my credit file since I had paid as agreed
Regards,
*** ***
Please see Resurgent's attached response to the referenced complaint.October 2, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Previous Creditor:
*** *** L.L.C. Original Creditor: *** Current Owner: *** LLC Account Number: *** Reference Number: *** Dear *** *** This letter is in response to your correspondence dated September 22, regarding the above-referenced account*** LLC ("***") 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 *** *** L.L.Con or about November 8, 2011. We have verified this account is paid in full, and *** *** should not be contacted by Resurgent or any affiliate companies regarding the collection of this account. A search of the *** *** Register of Deeds for *** ***, *** does not show a lien attached to the property located at *** *** *** ***, *** ***A Deed of Trust Assignment was located when a search for the name *** *** was performed on the *** *** Register of DeedsWe are still researching the steps necessary to release this Deed of Trust Assignment associated with *** ***’s nameIf *** *** or *** Bank has additional information regarding a lien on the property located at *** *** *** please 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 LP
Please see Resurgent's attached response to the referenced complaint.October 27, 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 21, 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 July 12, Please review the following account information: This account originated on March 28, with *** *** *** ***. This account charged off on May 3, with a balance of $410.77. The last payment in the amount of $was received on February 26, 2010. No payments have been received on this account since Resurgent started servicing it in July 2011. The consumer reporting agencies’ reporting guidelines have defined a “factoring company” as a company or individual who purchases accounts with the intent of collecting debts owedTherefore, the term is accurate in this situation and the account is reported correctly. *** *** *** ***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 September 2, The tradeline was set to be deleted on or before June 2016. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the account. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurWe 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
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 find that this resolution is satisfactory to me.
Regards,
*** ***
Please see the attached response.April 29, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No[redacted] Previous Creditor: [redacted] Original...
Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,526.87 Dear [redacted] This letter is in response to your correspondence dated April 27, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about October 16, 2009. As of the date of this communication, the account balance is $1,526.87. Please review the following account information: 1. This account originated on February 10, 2009, with [redacted]. 2. This account charged off on September 16, 2009, with a balance of $749.43. 3. No payments have been received on this account since Resurgent started servicing it in October 2009. 4. Enclosed are a bill statement and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those 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 LVNV. The 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 [redacted] regarding the above-referenced account. In 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. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted]’s responsibility for the balance due on this account. If, after review of the above-referenced information, [redacted] 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 matter. Blank 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 [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]. Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my bringing this matter to a close. I requested a copy of the original contract along breakdown of all fees. I have yet to receive anything other than a document fromResurgent saying I owe this debt. That is not validating. Until such time that this debt can be truly validated, this needs to be removed from all three credit reporting agencies. Also the collector stating they did not receive the debt validation letter from me is subjective. I sent. simply stating they did "not receive" seems to be an easy way out of the responsibility they have to validate this debt.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.November 24, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted]. Original Creditor: [redacted]. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,776.27 Dear [redacted] This letter is in response to your correspondence dated November 19, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted]. on or about March 27, 2012. As of the date of this communication, the account balance is $2,776.27. Please review the following account information: 1. This account originated on August 4, 2007 with [redacted]. and was opened with [redacted]. 2. This account charged off on November 30, 2010 with a balance of $3,805.76. 3. The last payment in the amount of $1,939.81 was received on July 26, 2011. 4. No payments have been received on this account since Resurgent started servicing it in March 2012. 5. Enclosed please find an account summary on file for the account. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. Resurgent received the electronic dispute that [redacted] submitted through the consumer reporting agencies. Resurgent responded to it in the adequate time by providing the corresponding information to the respective consumer reporting agencies. In accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent would like to thank [redacted] for bringing this matter to our attention. 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 concerns. After investigating the account, we plan to look into ways to improve the customer service experience. We apologize for any inconvenience [redacted] may have experienced regarding this account and thank her for her feedback. We appreciate [redacted]’s willingness to pay this account and apologize for her inconvenience. As a courtesy, we would like to reduce our previous offer to $500.00 to resolve the account in full. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “Satisfied in Full." The tradeline will not be deleted from [redacted]’s credit report in exchange for payment; however, a request to update the LVNV tradeline to "account paid in full for less than the full balance" will be submitted to the three major consumer reporting agencies. Currently, a request to delete the LVNV tradeline is scheduled to be submitted on or before February 2017. Payment may be mailed to the following address or [redacted] may contact Customer Service at [redacted] to make payment by phone. If mailing the payment, please allow adequate time for the mail delivery and for Resurgent to process and apply the payment to the account. Resurgent Capital Services L.P. [redacted] Greenville, SC 29603 If payment is not received by January 1, 2016, this account may be placed for further collections, and this resolution agreement may be re-evaluated. We are not obligated to renew this offer. It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P. Enclosure
RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Appliances, Inc. Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry...
received January 29, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. As a courtesy, we have placed this account in a “hold” status, which means we will not initiate further written or verbal communication regarding this account nor will any agencies acting on our behalf. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 27, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear [redacted]: This letter is in response to the additional concerns submitted by [redacted] dated May 26, 2015 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in 2001. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. [redacted]’s dispute states “correspondence regarding the debt was sent to an old address by [redacted] and LVNV Funding/Resurgent Capital.” [redacted] state law requires the creditor to provide a written notice advising the consumer a negative credit report may be submitted to the credit reporting agencies. The notice can be personally delivered or mailed to the consumer’s last-known address prior to or within 30 days after the transmission of the negative report. Because the notice was mailed to your last-known address per our records, we feel Resurgent has complied with [redacted] requirements for required negative credit reporting notices. Additionally, Resurgent does not offer a “pay for deletion” payment option. LVNV reports all accounts accurately for the legal time period in which they can report, therefore this account will report accurately as “paid in full for less than full balance” for the duration of the reporting period. If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
January 24, 2018 Cindy Rigdon Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $969.73 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 18, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on August 16, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $969.73. Please review the following account information: 1. This account originated on August 12, 2015 with [redacted] Bank, N.A. 2. The last payment in the amount of $33.00 was received on December 29, 2016. 3. This account charged off on July 19, 2017 with a balance of $969.73. 4. No payments have been received on this account since Resurgent started servicing it in August 2017. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The LVNV tradeline began reporting on or about December 5, 2017 per our normal reporting schedule. Resurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to their dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] Bank, N.A. charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is January 18, 2017. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in October 2023. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. The enclosed letter containing verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was mailed to [redacted] on November 16, 2017 in response to their request. Since the enclosed letter provided [redacted] with verification of debt as requested, this account was subsequently placed with [redacted] Financial for servicing on behalf of LVNV. Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account. Our records indicate [redacted] called Resurgent’s Customer Service department on December 12, 2017 and spoke with a representative regarding a settlement. [redacted] agreed to a settlement of $484.87 and was mailed the enclosed settlement offer letter confirming the details on or about December 14, 2017. As of the date of this communication, payment has not been received. Please be advised, Resurgent does not accept payment in exchange for tradeline deletion. If [redacted] were to pay this account, the LVNV tradeline would be updated to reflect that the account is paid. If [redacted] has any further questions, comments or concerns, or would like to discuss payment arrangement, they may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
March 28, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Check Services Current...
Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 17, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted], having subsequently acquired it on December 30, 2011. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of this LVNV account. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, Resurgent has made the business decision to close the account. Ms. [redacted] should no longer be contacted by Resurgent, or any affiliate companies, regarding the account. We apologize for any inconvenience. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, M. S[redacted] Compliance Department Resurgent Capital Services L.P.
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 12, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted]. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,499.00 Dear [redacted] This letter is in response to your correspondence dated May 11, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("[redacted]") on or about April 19, 2011. As of the date of this communication, the account balance is $1,499.00. Please review the following account information: 1. This account originated on June 12, 2005 with [redacted]. and was opened with [redacted]. 2. This account charged off on March 31, 2011 with a balance of $863.39. 3. The last payment in the amount of $18.00 was received on August 31, 2010. 4. No payments have been received on this account since Resurgent started servicing it in April 2011. 5. Enclosed is an account summary that includes additional account information. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those 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 LVNV. The 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 [redacted] regarding the above-referenced account. In 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. We have requested account statements from [redacted]. Please be advised that we will forward the documents upon receipt, if available. If, after review of the above-referenced information, [redacted] believes this account is 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 matter. Blank 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 [redacted] has any correspondence to/from [redacted], [redacted]. and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure
RE: *** ***; Case/File No*** Reference Number: *** Dear MsR***: This letter is in response to the additional concerns submitted by Ms*** dated November 6, regarding the above-referenced accountCACH, LLC (“CACH”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by CACH. Upon receiving Ms***’s additional concerns, we further investigated the account formerly placed with our third-party *** * ***, PLCWe reviewed recordings of calls Ms*** placed to the firm requesting evidence that she had previously arranged and adhered to a payment plan before the previous servicer was absorbed by *** * ***, PLCMs*** was informed that a complete payment history was not available due to a transfer of her account from the previous servicer’s system of recordMs*** requested a letter detailing the original payment arrangement, and was informed that it was not possible to generate a new letter showing a back-dated payment arrangementTo rectify Ms. ***’s concerns, the firm’s representatives offered to speak with an authorized third-party representing Ms***’s mortgage company to explain the situationWhile we found that our third-party servicer acted in accordance with their process, we understand Ms***’s frustration, and apologize for any inconvenience she has experienced. Additionally, we are willing to honor the previous payment arrangement between Ms*** and our third-party servicerThe balance may be broken into monthly payments in the amount of $and one payment in the amount of $beginning on December 15, and continuing until the total current balance of $2,has been paid in full. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
** *** Place, Suite *** ** *** Toll Free Phone 1-888-*** Greenville, SC Toll Free Fax 1-866-*** Hours of Operation Monday-Thursday 8:30AM-6:00PM Friday 8:30AM-5:00PM February 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 *** *** dated February 7, regarding the above-referenced account*** LLC (“***”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by ***. We have investigated this matter and closed the account due to fraudThe account will not be sold or transferred and *** *** should no longer be contacted by Resurgent, or any affiliate companies, regarding the accountWe apologize for any inconvenience Juanita Dieujuste may have experienced. If *** *** has any further questions, comments or concerns, they may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
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,
*** ***
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 15, 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: *** Dear *** ***: This letter is in response to your correspondence dated June 11, 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 28, Please review the following account information: This account originated on October 24, with *** *** *** ***and was opened with *** ** *** *** This account charged off on February 26, with a balance of $2,644.13. The last payment in the amount of $1,was received on June 4, 2015. 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. 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. We have verified this account was paid in full for less than the full balance on June 4, for $1,797.07. The status of the account was updated to "Satisfied in Full" on June 12, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. Regarding *** ***’s concerns about the account still reporting to the credit reporting agencies as a collection, *** ***’s payment to satisfy the account was received June 4, The account was last reported to the consumer reporting agencies on June 3, Therefore, when the account last reported, it was not yet paidResurgent advised in the resolution offer sent to *** *** and his attorney that within days of receiving the payment, a request to update the LVNV tradeline would be submitted to the three major consumer reporting agenciesTherefore, in accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “paid in full for less than the full balance” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Enclosed is a copy of the resolution offer faxed to *** ***’s attorney on June 1, for review. 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 Resurgent's attached response to the referenced complaint as well as any relevant documents.November 20, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*
*** Previous Creditor: *** (*** ***), N.A. Original Creditor: *** (*** ***), *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $605.66 Dear *** ***: This letter is in response to your correspondence dated November 16, 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 December 13, As of the date of this communication, the account balance is $Please review the following account information: This account originated on May 13, with *** (*** ***), *** and was opened with ***. This account charged off on November 14, with a balance of $487.81. The last payment in the amount of $was received on March 22, 2010. No payments have been received on this account since Resurgent started servicing it in December 2010. Enclosed is the credit application, bill statements and an account summary on file that provide additional account information. 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. 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 agenciesIn accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The term “open” in *** ***’ credit report does not literally mean that the account is open or can be usedThat information is one of the data reporting requirements set by the consumer reporting agencies and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon demandThis is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and dueIf *** *** has additional questions related to the credit bureau reporting, then he/she will need to contact 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 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 the previous creditors 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)
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 24, 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: $55,510.14 Dear *** *** This letter is in response to your correspondence dated August 20, 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 September 25, As of the date of this communication, the account balance is $55,Please review the following account information: This account originated on May 1, with *** *** *** *** This account charged off on January 3, 2003. The last payment in the amount of $was received on July 23, 2014. 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, and has never reported, the account to the major consumer reporting agencies. Our records indicate that a lawsuit was filed in *** District Court, *** County, *** and Case No*** was dismissed without prejudiceThe account balance is still collectible. *** *** states in her Revdex.com inquiry that she received a response letter denying her request for verification of debtA letter including the validation notice was mailed to *** *** on May 15, 2015 and verification of debt was mailed to *** *** on June 26, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Enclosed is a copy of the letters for *** *** review* **. *** may be referring to the letter dated August 11, from Resurgent, enclosed, which advised the information she provided in her original dispute letter, dated May 5, 2015, was insufficient to support her claim that the account is fraud. 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.pdfAdditi...⇄ a blank copy is enclosed for convenience. 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 previous creditors 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)
First, I would like to thank you for providing the detailed
information. Second, it is unfortunate that I had to reach out to agencies like
the Revdex.com for assistance on such a personal matterIf only I had received the
requested information in writing I could have provided this to my
mortgage
company as proof of paying this debt since without missing a single
paymentIt would have been a much different outcome for me*** *** *** representatives, Lindsey C*** and Jeff refused my request and provided
incorrect informationHe sent me an email with a new agreementThird, I
researched the issue further and found that Resurgent had my account and your
company also refused to give me the balance in writing and referred me back to
*** *** ***
Lastly, I’ve attached
an email from Jeff who stated I had an agreement with *** *** *** but
nothing to indicate that I was already in an agreement which is what I
requestedWhat he sent did not have my balance and payments on the account
since it was transferred to a new collection companyI again asked for my
balance, and never got a replyand I also attached my emails between me and Loan Officer about Lindsey C*** giving me and the Loan Officer the run around.
This is a very
upsetting situation to be inIs it legal to refuse to provide written proof
of payment history?
I’m asking that this debt is settled based on the beginning
balance of $and payments made of $4125, which almost 70% is paid to date,
and remove the negative entry from my credit file since I had paid as agreed
Regards,
*** ***
Please see Resurgent's attached response to the referenced complaint.October 2, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Previous Creditor:
*** *** L.L.C. Original Creditor: *** Current Owner: *** LLC Account Number: *** Reference Number: *** Dear *** *** This letter is in response to your correspondence dated September 22, regarding the above-referenced account*** LLC ("***") 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 *** *** L.L.Con or about November 8, 2011. We have verified this account is paid in full, and *** *** should not be contacted by Resurgent or any affiliate companies regarding the collection of this account. A search of the *** *** Register of Deeds for *** ***, *** does not show a lien attached to the property located at *** *** *** ***, *** ***A Deed of Trust Assignment was located when a search for the name *** *** was performed on the *** *** Register of DeedsWe are still researching the steps necessary to release this Deed of Trust Assignment associated with *** ***’s nameIf *** *** or *** Bank has additional information regarding a lien on the property located at *** *** *** please 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 LP
Please see Resurgent's attached response to the referenced complaint.October 27, 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 21, 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 July 12, Please review the following account information: This account originated on March 28, with *** *** *** ***. This account charged off on May 3, with a balance of $410.77. The last payment in the amount of $was received on February 26, 2010. No payments have been received on this account since Resurgent started servicing it in July 2011. The consumer reporting agencies’ reporting guidelines have defined a “factoring company” as a company or individual who purchases accounts with the intent of collecting debts owedTherefore, the term is accurate in this situation and the account is reported correctly. *** *** *** ***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 September 2, The tradeline was set to be deleted on or before June 2016. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaintDespite these findings, Resurgent has made the business decision to close the account. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurWe 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
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 find that this resolution is satisfactory to me.
Regards,
*** ***
Please see the attached response.April 29, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No[redacted] Previous Creditor: [redacted] Original...
Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,526.87 Dear [redacted] This letter is in response to your correspondence dated April 27, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about October 16, 2009. As of the date of this communication, the account balance is $1,526.87. Please review the following account information: 1. This account originated on February 10, 2009, with [redacted]. 2. This account charged off on September 16, 2009, with a balance of $749.43. 3. No payments have been received on this account since Resurgent started servicing it in October 2009. 4. Enclosed are a bill statement and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those 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 LVNV. The 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 [redacted] regarding the above-referenced account. In 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. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted]’s responsibility for the balance due on this account. If, after review of the above-referenced information, [redacted] 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 matter. Blank 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 [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]. Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my bringing this matter to a close. I requested a copy of the original contract along breakdown of all fees. I have yet to receive anything other than a document fromResurgent saying I owe this debt. That is not validating. Until such time that this debt can be truly validated, this needs to be removed from all three credit reporting agencies. Also the collector stating they did not receive the debt validation letter from me is subjective. I sent. simply stating they did "not receive" seems to be an easy way out of the responsibility they have to validate this debt.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.November 24, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted]. Original Creditor: [redacted]. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,776.27 Dear [redacted] This letter is in response to your correspondence dated November 19, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted]. on or about March 27, 2012. As of the date of this communication, the account balance is $2,776.27. Please review the following account information: 1. This account originated on August 4, 2007 with [redacted]. and was opened with [redacted]. 2. This account charged off on November 30, 2010 with a balance of $3,805.76. 3. The last payment in the amount of $1,939.81 was received on July 26, 2011. 4. No payments have been received on this account since Resurgent started servicing it in March 2012. 5. Enclosed please find an account summary on file for the account. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. Resurgent received the electronic dispute that [redacted] submitted through the consumer reporting agencies. Resurgent responded to it in the adequate time by providing the corresponding information to the respective consumer reporting agencies. In accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent would like to thank [redacted] for bringing this matter to our attention. 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 concerns. After investigating the account, we plan to look into ways to improve the customer service experience. We apologize for any inconvenience [redacted] may have experienced regarding this account and thank her for her feedback. We appreciate [redacted]’s willingness to pay this account and apologize for her inconvenience. As a courtesy, we would like to reduce our previous offer to $500.00 to resolve the account in full. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “Satisfied in Full." The tradeline will not be deleted from [redacted]’s credit report in exchange for payment; however, a request to update the LVNV tradeline to "account paid in full for less than the full balance" will be submitted to the three major consumer reporting agencies. Currently, a request to delete the LVNV tradeline is scheduled to be submitted on or before February 2017. Payment may be mailed to the following address or [redacted] may contact Customer Service at [redacted] to make payment by phone. If mailing the payment, please allow adequate time for the mail delivery and for Resurgent to process and apply the payment to the account. Resurgent Capital Services L.P. [redacted] Greenville, SC 29603 If payment is not received by January 1, 2016, this account may be placed for further collections, and this resolution agreement may be re-evaluated. We are not obligated to renew this offer. It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P. Enclosure
RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Appliances, Inc. Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry...
received January 29, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. As a courtesy, we have placed this account in a “hold” status, which means we will not initiate further written or verbal communication regarding this account nor will any agencies acting on our behalf. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 27, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear [redacted]: This letter is in response to the additional concerns submitted by [redacted] dated May 26, 2015 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in 2001. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. [redacted]’s dispute states “correspondence regarding the debt was sent to an old address by [redacted] and LVNV Funding/Resurgent Capital.” [redacted] state law requires the creditor to provide a written notice advising the consumer a negative credit report may be submitted to the credit reporting agencies. The notice can be personally delivered or mailed to the consumer’s last-known address prior to or within 30 days after the transmission of the negative report. Because the notice was mailed to your last-known address per our records, we feel Resurgent has complied with [redacted] requirements for required negative credit reporting notices. Additionally, Resurgent does not offer a “pay for deletion” payment option. LVNV reports all accounts accurately for the legal time period in which they can report, therefore this account will report accurately as “paid in full for less than full balance” for the duration of the reporting period. If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
January 24, 2018 Cindy Rigdon Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $969.73 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 18, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on August 16, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $969.73. Please review the following account information: 1. This account originated on August 12, 2015 with [redacted] Bank, N.A. 2. The last payment in the amount of $33.00 was received on December 29, 2016. 3. This account charged off on July 19, 2017 with a balance of $969.73. 4. No payments have been received on this account since Resurgent started servicing it in August 2017. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The LVNV tradeline began reporting on or about December 5, 2017 per our normal reporting schedule. Resurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to their dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] Bank, N.A. charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is January 18, 2017. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in October 2023. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. The enclosed letter containing verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was mailed to [redacted] on November 16, 2017 in response to their request. Since the enclosed letter provided [redacted] with verification of debt as requested, this account was subsequently placed with [redacted] Financial for servicing on behalf of LVNV. Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account. Our records indicate [redacted] called Resurgent’s Customer Service department on December 12, 2017 and spoke with a representative regarding a settlement. [redacted] agreed to a settlement of $484.87 and was mailed the enclosed settlement offer letter confirming the details on or about December 14, 2017. As of the date of this communication, payment has not been received. Please be advised, Resurgent does not accept payment in exchange for tradeline deletion. If [redacted] were to pay this account, the LVNV tradeline would be updated to reflect that the account is paid. If [redacted] has any further questions, comments or concerns, or would like to discuss payment arrangement, they may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
March 28, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Check Services Current...
Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 17, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted], having subsequently acquired it on December 30, 2011. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of this LVNV account. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, Resurgent has made the business decision to close the account. Ms. [redacted] should no longer be contacted by Resurgent, or any affiliate companies, regarding the account. We apologize for any inconvenience. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, M. S[redacted] Compliance Department Resurgent Capital Services L.P.
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 12, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted]. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,499.00 Dear [redacted] This letter is in response to your correspondence dated May 11, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("[redacted]") on or about April 19, 2011. As of the date of this communication, the account balance is $1,499.00. Please review the following account information: 1. This account originated on June 12, 2005 with [redacted]. and was opened with [redacted]. 2. This account charged off on March 31, 2011 with a balance of $863.39. 3. The last payment in the amount of $18.00 was received on August 31, 2010. 4. No payments have been received on this account since Resurgent started servicing it in April 2011. 5. Enclosed is an account summary that includes additional account information. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those 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 LVNV. The 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 [redacted] regarding the above-referenced account. In 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. We have requested account statements from [redacted]. Please be advised that we will forward the documents upon receipt, if available. If, after review of the above-referenced information, [redacted] believes this account is 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 matter. Blank 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 [redacted] has any correspondence to/from [redacted], [redacted]. and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure