RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Financial Services, LLC Original Creditor: [redacted] Financial LLC Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in...
response to your correspondence received August 30, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 28, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. In consideration of Mr. [redacted]’s specific circumstances, Resurgent has decided to cease collection efforts on this account, 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 (also known as “credit bureaus”) during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. We hope our response addresses the concerns submitted by Mr. [redacted]. If she 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.
Please see the attached response.December 4, 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 Numbers: [redacted] Dear...
[redacted]: This letter is in response to your correspondence dated December 3, 2015, regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted] and [redacted] LLC (“[redacted]”) owns the account number ending in [redacted] Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV and [redacted]. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted], [redacted] 1. This account originated on February 8, 2007, with [redacted], [redacted] and was opened with [redacted] 2. This account charged off on December 31, 2008, with a balance of $1,382.61. 3. This account was purchased from [redacted], [redacted] on May 25, 2010. 4. No payments have been received on this account since Resurgent started servicing it in May 2010. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ([redacted]), [redacted] 1. This account originated on May 6, 2005, with [redacted] ([redacted]), [redacted] and was opened with [redacted]. 2. This account charged off on August 12, 2008, with a balance of $2,732.52. 3. This account was purchased from [redacted] ([redacted]), [redacted] on December 28, 2010. 4. The last payment in the amount of $94.31 was received on January 14, 2008. 5. No payments have been received on this account since Resurgent started servicing it in December 2010. All ownership rights were transferred to LVNV and [redacted] when these accounts were purchased from the previous creditors. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV and [redacted] are not reporting these accounts to the major consumer reporting agencies. After reviewing the calls, **. [redacted] and her realtor, [redacted], have called Resurgent multiple times and were informed that a fax would be sent to them with the payoff amounts of $950.00 and $1,500.00 for account numbers ending in [redacted] and [redacted], respectively. However, a reason Resurgent did not send the fax to **. [redacted] and **. [redacted] was because Resurgent was waiting to receive a copy of the recorded judgment from the [redacted] County Civil Court, **. At no time did Resurgent state that the accounts did not belong to us; however, when **. [redacted] contacted our Customer Service department, she was informed that we would have to transfer her to our Bankruptcy department as the accounts are not in the Customer Service system. We apologize for that miscommunication and any inconvenience **. [redacted] and **. [redacted] may have experienced. The account numbers ending in [redacted] and [redacted] were included in a Chapter 7 Bankruptcy filed on November 18, 2010, with case number [redacted] and subsequently discharged on February 25, 2011. Please note that account number ending in [redacted] does not have a judgment or lien attached to **. [redacted]. **. [redacted]’s personal liability for this account has been discharged. As **. [redacted] has no personal liability for account number ending in [redacted] and there are no outstanding judgments and/or liens attached to **. [redacted] regarding account number ending in [redacted], account number ending in [redacted] has been closed. In regards to account number ending in [redacted], a judgment was obtained by the original creditor on August 11, 2010, in [redacted] County Civil Court, ** with case number [redacted]. Enclosed is a copy of the judgment. We appreciate **. [redacted]’s willingness to satisfy this judgment and therefore would like to offer to satisfy this judgment in the amount of $1,000.00. As a courtesy, the amount to satisfy this judgment has been lowered due to **. [redacted]’s inconvenience experienced. Payments may be mailed to the following address or **. [redacted] may contact Customer Service at [redacted] to make payments by phone. If mailing payments, please allow adequate time for the mail delivery and for Resurgent to process and apply the payments to these accounts. Resurgent Capital Services L.P. [redacted] Greenville, SC 29603 If the payment is not received by January 31, 2015, this 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. This offer is void if previous arrangements have been made. 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)
November 3, 2017 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] Previous Creditor: [redacted] Bank (USA), N.A. Original Creditor: [redacted],...
N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $480.88 Dear Ms. R[redacted]: This letter is in response to your correspondence received October 27, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on September 25, 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 $480.88. Please review the following account information: 1. This account originated on November 22, 2011 with [redacted], N.A. 2. This account charged off on June 14, 2016 with a balance of $480.88. 3. No payments have been received on this account since Resurgent started servicing it in September 2017. 4. Enclosed is an account summary on file for this account. 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, LVNV is not reporting the account to the major consumer reporting agencies. Please be advised that the permissible reporting period for this account has not expired. In accordance with the Fair Credit Reporting Act (“FCRA”), if the account begins reporting, the LVNV tradeline will report as “disputed” to the three major consumer reporting agencies. Our records do not indicate that we received the written correspondence [redacted] mentions in their inquiry. [redacted]’s Revdex.com inquiry dated October 27, 2017 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. The enclosed letter that Resurgent mailed [redacted] after LVNV’s purchase of the account was not related to the alleged correspondence [redacted] claims to have sent to Resurgent. [redacted], 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 9, 2016. [redacted]’s October 27, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with them. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If [redacted] believes that this account was previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning their dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If [redacted] has any further questions, comments or concerns, they may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT11/3/2017 1:04:22 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] **st [redacted] Resurgent Reference # [redacted]City[redacted] Original Creditor [redacted], N.A.State: FL Account Number XXXXXXXXXXXX[redacted]Zip Code: 33023-1319 Current Balance Due $480.88Date of Last Payment 11/13/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 11/22/2011The account charge-off date was: 06/14/2016The account charge-off amount was: $480.88The account was acquired on or about: 09/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $480.88This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 21, 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: $1,504.52 Dear [redacted] This letter is in response to your correspondence dated April 13, 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 January 15, 2009. As of the date of this communication, the account balance is $1,504.52. Please review the following account information: 1. This account originated on February 7, 2003 with [redacted] and was opened with [redacted]. 2. This account charged off on January 11, 2009 with a balance of $1,176.17. 3. The last payment in the amount of $132.67 was received on May 14, 2008. 4. No payments have been received on this account since Resurgent started servicing it in January 2009. 5. Please see enclosed bill statements and account summary for [redacted] 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”). Due to the legal reporting period approaching Since the legal reporting period expired on or about April 11, 2015 a request to delete the LVNV tradeline has been submitted to the three major consumer reporting agencies, please allow 10-15 days for this update to occur. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. [redacted] charged off this debt and sold the account. It is likely that [redacted] believes that the “charge-off” means that the debt is satisfied; however, this is not the case. Charge-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 creditor. It does not affect the debtor’s responsibility for the account debt. After charge-off, an account remains collectible, and if sold, the current owner has the right to collect. A charged-off account may remain on a credit report for up to seven years. [redacted]'s letter asserts that LVNV “re-ages” accounts. We believe he means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrect. It is likely that he believes that the “Open Date” is used as the starting point in the calculation of the seven-year period that his debt's derogatory account can remain on his credit report. This is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is July 11, 2008. 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 owed. Therefore, the term is accurate in this situation and the account is reported correctly. Resurgent utilizes third party collection agencies to service accounts on its behalf. This account has been placed with various collection agencies since LVNV’s acquisition. Any notification requirements for this account would have been met by these collection agencies. A validation notice was mailed to [redacted] on September 12, 2013 and June 20, 2014 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, verification of debt was mailed to [redacted] on June 24, 2014. This account has been properly verified as required by the FDCPA. [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 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] 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. Enclosures
February 1, 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] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by [redacted] dated January 29, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. We have confirmed with [redacted] Financial, our third-party servicer, that they did not speak with [redacted] regarding this account. Therefore, we respectfully disagree with [redacted]’s claims that [redacted] Financial promised to delete the LVNV tradeline in exchange for satisfaction of the account. If [redacted] would like to discuss payment options, they may contact Customer Service at the number below. As stated in our previous response, Resurgent does not accept payment in exchange for tradeline deletion. If [redacted] has any further questions, comments or concerns, they may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
Please see the attached response.
April 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]...
[redacted] This letter is in response to your correspondence dated April 22, 2015, regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, the following account has been closed. 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 experienced regarding this account. Acct No. [redacted] Reference No. [redacted] Original Creditor: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 16, 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: 531069175 Current Balance: $651.24 Dear [redacted] This letter is in response to your correspondence dated June 10, 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 January 10, 2013. As of the date of this communication, the account balance is $651.24. Please review the following account information: 1. This account originated on October 7, 2011 with [redacted]. 2. This account charged off on December 13, 2012 with a balance of $851.24. 3. The last payment in the amount of $200.00 was received on January 25, 2014. 4. Enclosed are bill statements and an account summary for [redacted] 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. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. In 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. [redacted] letter asserts that LVNV “re-ages” accounts. We believe he means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrect. It is likely that he believes that the “Open Date” is used as the starting point in the calculation of the seven-year period that his debt's derogatory account can remain on his credit report. This is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is June 12, 2012. A request to delete the LVNV tradeline will be submitted on or around March 2019. Verification of debt was mailed to [redacted] attorney on July 31, 2014 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter for [redacted] review. Our records indicate [redacted] previously submitted to this office on May 8, 2015 a notice demanding that we cease communication with him. When 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, [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...⇄ 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 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(s)
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]
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 complaint.
I mailed a letter to them the day after I spoke with them on the phone and only after no response did I file with the Revdex.com. I have not received any communication from [redacted] regarding any past due balances and that is why I am asking for proof that I owe them money, I don't think that's too much to ask especially since there are 2 other members of my family (one of my household) with a [redacted] name. My brother had an apartment near mine during this time, he has the same initials as I, is it possible [redacted] made a mistake in the billing? The burden of proof is not on me, but as I stated in my phone call, I offered to, but was advised not to, contact [redacted] myself to verify. I feel as though I was more than reasonable having offered to pay it upon receipt of proof and have got nothing in terms of such from Resurgent. I never even received anything from Resurgent when they acquired this debt to give me the opportunity to look into this months ago. Also, I would advise Resurgent that they may reach me by mail if they can provide me proof of debt in the form of an original contract, payment history, or cancelled check to prove it was in fact my debt and not another J. [redacted] or worse yet, fraudulent activity that would require police or legal intervention to protect my identity. Once again, if I in fact owe this money, I will work towards a fair settlement with Resurgent, but as of yet I have nothing that suggests this debt belongs to me.
Regards,
[redacted]
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 complaint. Collector's statement of this being the first contact is inaccurate. This is a case of he said/she...
said and I require actual documentation as I am legally entitled to. Specifically I need the following documentation in order to determine whether this is a legitimate debt owed by me:1. Copy of credit application signed by me. 2. Provide a copy of the executed contract with Capital One setting forth the terms I am alleged to have agreed to in connection with the card at the beginning. 3. Provide a copy of modification to those terms agreed to by me. 4. Produce a copy of all statements from the beginning of time to present. 5. Produce detail regarding alleged charges by amount, type, and date. 6. Produce evidence of all statements received.
Regards,
[redacted]
Please see the attached response.June 30, 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 your correspondence dated June 29, 2015, regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, the account has been closed. 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. Acct No. [redacted] Original Creditor: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Please see the attached response.Dear [redacted] This letter is in response to your correspondence dated June 29, 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], LLC on or about September 23, 2011. As of the date of this communication, the account balance is $1,066.28. Please review the following account information: 1. This account originated on April 13, 2001, with [redacted] and was opened with [redacted], Inc. 2. This account charged off on October 19, 2001. 3. No payments have been received on this account since Resurgent started servicing it in September 2011. 4. Enclosed is 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, LVNV is not reporting the account to the major consumer reporting agencies. [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. [redacted]’s correspondence contains language Resurgent has interpreted to mean that we cease communication with her. When 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, [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 satisfied in full, the resolution 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], LLC, [redacted] and/or [redacted], Inc. 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)
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.November 2, 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: $1,634.84 Dear [redacted] This letter is in response to your correspondence dated October 26, 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 18, 2007. As of the date of this communication, the account balance is $1,634.84. Please review the following account information: 1. This account originated on September 25, 2005 with [redacted] and was opened with [redacted] 2. This account charged off on May 6, 2007 with a balance of $1,066.80. 3. The last payment in the amount of $55.00 was received on October 6, 2006. 4. No payments have been received on this account since Resurgent started servicing it in October 2007. 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, LVNV is not reporting and has never reported the account to the major consumer reporting agencies. The enclosed verification of debt with validation was mailed to [redacted] on or about September 28, 2015 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). [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. [redacted]’s October 26, 2015 complaint contains language Resurgent has interpreted to mean that we cease communication with him. When 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, [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...⇄ 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 [redacted] 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: [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
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 complaint.
Regards,
[redacted]
Dear Ms. [redacted]: This letter is in response to your correspondence dated May 6, 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] Corporation (USA) IV on or about October 20, 2010. We have verified this account was settled in full on March 30, 2013, for payments received totaling $1,902.00. The status of the account was updated to "Settled in Full" on April 1, 2013. The account is considered resolved in our office, and Mr. [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. Resurgent last reported the above account to the three major consumer reporting agencies (also known as “credit bureaus”) as “Account Paid in Full for Less than the Full Balance” on or about June 12, 2013. As a courtesy, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies. Please allow 30 to 45 days for this update to occur. Additionally, we are unable to alter the credit bureau reporting of another creditor. Mr. [redacted] should contact the respective consumer reporting agencies regarding information he believes is being reported in error. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.October 5, 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 Numbers: [redacted] Dear [redacted] This letter is in response to your correspondence dated September 28, 2015 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted]. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on October 7, 2006 with [redacted] and was opened with [redacted]. 2. This account charged off on February 28, 2010 with a balance of $1,074.84. 3. This account was purchased from [redacted] on March 18, 2010. 4. The last payment in the amount of $25.00 was received on September 14, 2009. 5. No payments have been received on this account since Resurgent started servicing it in March 2010. 6. The current balance of this account is $2,099.32. 7. Enclosed please find an account summary on file for this account. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on May 22, 2007 with[redacted] 2. This account charged off on September 29, 2009 with a balance of $4,359.55. 3. This account was purchased from [redacted] on June 7, 2013. 4. The last payment in the amount of $50.00 was received on March 6, 2009. 5. No payments have been received on this account since Resurgent started servicing it in June 2013. 6. The current balance of this account is $9,638.35. 7. Enclosed please find an account summary on file for this account. All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditors. Those 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 LVNV. The original creditors may also continue to report the history of these accounts from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradelines are being reported as “disputed” to the three major consumer reporting agencies. They will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureaus. 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 owed. Therefore, the term is accurate in this situation and the accounts are reported correctly. The Terms Duration is reported accurately as 1 month, as the entire balance for the account is due upon demand. In a previous dispute, [redacted] has claimed that the statute of limitations has expired. Although the statute of limitations for seeking legal action, such as a judgment, has expired for these accounts, the account balances are still collectible; Expiration of the statute of limitations does not invalidate the obligation or [redacted]’ responsibility for the balances due on these accounts. Additionally, due to Resurgent’s internal policy change, these accounts have not and will not accrue additional interest as of January 5, 2015. If, after review of the above-referenced information, [redacted] 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 matter. Blank 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 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 [redacted] 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: [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.
October 20, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [redacted]; Case/File No. [redacted]Reference Number: [redacted]Dear Ms. R[redacted]:This letter is in response to the additional concerns submitted by Mr. [redacted] received October 13, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by Pinnacle.Resurgent has received and reviewed Mr. [redacted]’s October 13, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated October 3, 2017 which is substantially the same as his October 13, 2017 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute.As advised in our response to Mr. [redacted]’s previous inquiry, if Mr. [redacted] believes this account is not his or is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. 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.In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to:Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box 10497 Greenville, SC 29603If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted].Sincerely,A. J[redacted] Compliance Department Resurgent Capital Services L.P.
October 18, 2017 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] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,241.65 Dear Ms. R[redacted]: This letter is in response to your correspondence received October 12, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 12, 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 $2,241.65. Please review the following account information: 1. This account originated on May 30, 2010 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $82.00 was received on April 27, 2016. 3. This account charged off on December 5, 2016 with a balance of $2,241.65. 4. No payments have been received on this account since Resurgent started servicing it in January 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. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his 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] 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 June 3, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in March 2023. The enclosed letter containing verification of was mailed to Mr. [redacted] on August 21, 2017 in response to his August 16, 2017 correspondence. Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Resurgent mailed Mr. [redacted] the enclosed letter dated September 26, 2017 in response to his August 27, 2017 correspondence since verification of debt was previously provided to him on August 21, 2017. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr. [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: [redacted] *. [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Brands, Inc. Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $143.08 Dear Ms. R[redacted]: This...
letter is in response to your correspondence received November 29, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 30, 2015. 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 $143.08. Please review the following account information: 1. This account originated on June 2, 2014 with [redacted] and was opened with [redacted]. 2. The last payment in the amount of $15.89 was received on July 30, 2014. 3. This account charged off on December 29, 2014 with a balance of $143.08. 4. No payments have been received on this account since Resurgent started servicing it in April 2015. 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. 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] 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 September 1, 2014. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in June 2021. The enclosed letter containing verification of debt with validation was mailed to Ms. [redacted] on May 24, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). This account has been properly verified as required by the FDCPA. Additionally, please find the enclosed bill statements on file for the account. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 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. Enclosure(s)
November 27, 2017 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] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current...
Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $765.15 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 20, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 13, 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 $765.15. Please review the following account information: 1. This account originated on August 16, 2015 with [redacted] Bank, N.A. 2. This account charged off on March 5, 2017 with a balance of $765.15. 3. The last payment in the amount of $26.00 was received on August 26, 2016. 4. No payments have been received on this account since Resurgent started servicing it in April 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. Our records do not indicate that a request to delete the LVNV for this account was previously submitted to any of the three major consumer reporting agencies. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her 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. Regarding Ms. [redacted]’s concern that Resurgent does not respond to her letters and only responds to her Consumer Financial Protection Bureau (“CFPB”) inquiries, as advised in our two previous responses to the CFPB, Resurgent received a letter from Ms. [redacted] dated June 21, 2017 that included a request for Resurgent to cease communication with her. Specifically, Ms. [redacted] stated that she “refuse[d] to pay this account.” When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. Thus, Resurgent was unable to respond to Ms. [redacted]’s June 21, 2017 letter, or any of her subsequent requests. Verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was previously provided to Ms. [redacted] on October 26, 2017 in response to her previous Consumer Financial Protection Bureau inquiry, case number [redacted]. The bill statements, terms and conditions, and an account summary that were provided in our previous response are enclosed for your review. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Financial Services, LLC Original Creditor: [redacted] Financial LLC Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in...
response to your correspondence received August 30, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 28, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. In consideration of Mr. [redacted]’s specific circumstances, Resurgent has decided to cease collection efforts on this account, 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 (also known as “credit bureaus”) during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. We hope our response addresses the concerns submitted by Mr. [redacted]. If she 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.
Please see the attached response.December 4, 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 Numbers: [redacted] Dear...
[redacted]: This letter is in response to your correspondence dated December 3, 2015, regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted] and [redacted] LLC (“[redacted]”) owns the account number ending in [redacted] Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV and [redacted]. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted], [redacted] 1. This account originated on February 8, 2007, with [redacted], [redacted] and was opened with [redacted] 2. This account charged off on December 31, 2008, with a balance of $1,382.61. 3. This account was purchased from [redacted], [redacted] on May 25, 2010. 4. No payments have been received on this account since Resurgent started servicing it in May 2010. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ([redacted]), [redacted] 1. This account originated on May 6, 2005, with [redacted] ([redacted]), [redacted] and was opened with [redacted]. 2. This account charged off on August 12, 2008, with a balance of $2,732.52. 3. This account was purchased from [redacted] ([redacted]), [redacted] on December 28, 2010. 4. The last payment in the amount of $94.31 was received on January 14, 2008. 5. No payments have been received on this account since Resurgent started servicing it in December 2010. All ownership rights were transferred to LVNV and [redacted] when these accounts were purchased from the previous creditors. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV and [redacted] are not reporting these accounts to the major consumer reporting agencies. After reviewing the calls, **. [redacted] and her realtor, [redacted], have called Resurgent multiple times and were informed that a fax would be sent to them with the payoff amounts of $950.00 and $1,500.00 for account numbers ending in [redacted] and [redacted], respectively. However, a reason Resurgent did not send the fax to **. [redacted] and **. [redacted] was because Resurgent was waiting to receive a copy of the recorded judgment from the [redacted] County Civil Court, **. At no time did Resurgent state that the accounts did not belong to us; however, when **. [redacted] contacted our Customer Service department, she was informed that we would have to transfer her to our Bankruptcy department as the accounts are not in the Customer Service system. We apologize for that miscommunication and any inconvenience **. [redacted] and **. [redacted] may have experienced. The account numbers ending in [redacted] and [redacted] were included in a Chapter 7 Bankruptcy filed on November 18, 2010, with case number [redacted] and subsequently discharged on February 25, 2011. Please note that account number ending in [redacted] does not have a judgment or lien attached to **. [redacted]. **. [redacted]’s personal liability for this account has been discharged. As **. [redacted] has no personal liability for account number ending in [redacted] and there are no outstanding judgments and/or liens attached to **. [redacted] regarding account number ending in [redacted], account number ending in [redacted] has been closed. In regards to account number ending in [redacted], a judgment was obtained by the original creditor on August 11, 2010, in [redacted] County Civil Court, ** with case number [redacted]. Enclosed is a copy of the judgment. We appreciate **. [redacted]’s willingness to satisfy this judgment and therefore would like to offer to satisfy this judgment in the amount of $1,000.00. As a courtesy, the amount to satisfy this judgment has been lowered due to **. [redacted]’s inconvenience experienced. Payments may be mailed to the following address or **. [redacted] may contact Customer Service at [redacted] to make payments by phone. If mailing payments, please allow adequate time for the mail delivery and for Resurgent to process and apply the payments to these accounts. Resurgent Capital Services L.P. [redacted] Greenville, SC 29603 If the payment is not received by January 31, 2015, this 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. This offer is void if previous arrangements have been made. 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)
November 3, 2017 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] Previous Creditor: [redacted] Bank (USA), N.A. Original Creditor: [redacted],...
N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $480.88 Dear Ms. R[redacted]: This letter is in response to your correspondence received October 27, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on September 25, 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 $480.88. Please review the following account information: 1. This account originated on November 22, 2011 with [redacted], N.A. 2. This account charged off on June 14, 2016 with a balance of $480.88. 3. No payments have been received on this account since Resurgent started servicing it in September 2017. 4. Enclosed is an account summary on file for this account. 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, LVNV is not reporting the account to the major consumer reporting agencies. Please be advised that the permissible reporting period for this account has not expired. In accordance with the Fair Credit Reporting Act (“FCRA”), if the account begins reporting, the LVNV tradeline will report as “disputed” to the three major consumer reporting agencies. Our records do not indicate that we received the written correspondence [redacted] mentions in their inquiry. [redacted]’s Revdex.com inquiry dated October 27, 2017 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. The enclosed letter that Resurgent mailed [redacted] after LVNV’s purchase of the account was not related to the alleged correspondence [redacted] claims to have sent to Resurgent. [redacted], 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 9, 2016. [redacted]’s October 27, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with them. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If [redacted] believes that this account was previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning their dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If [redacted] has any further questions, comments or concerns, they may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT11/3/2017 1:04:22 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] **st [redacted] Resurgent Reference # [redacted]City[redacted] Original Creditor [redacted], N.A.State: FL Account Number XXXXXXXXXXXX[redacted]Zip Code: 33023-1319 Current Balance Due $480.88Date of Last Payment 11/13/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 11/22/2011The account charge-off date was: 06/14/2016The account charge-off amount was: $480.88The account was acquired on or about: 09/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $480.88This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 21, 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: $1,504.52 Dear [redacted] This letter is in response to your correspondence dated April 13, 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 January 15, 2009. As of the date of this communication, the account balance is $1,504.52. Please review the following account information: 1. This account originated on February 7, 2003 with [redacted] and was opened with [redacted]. 2. This account charged off on January 11, 2009 with a balance of $1,176.17. 3. The last payment in the amount of $132.67 was received on May 14, 2008. 4. No payments have been received on this account since Resurgent started servicing it in January 2009. 5. Please see enclosed bill statements and account summary for [redacted] 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”). Due to the legal reporting period approaching Since the legal reporting period expired on or about April 11, 2015 a request to delete the LVNV tradeline has been submitted to the three major consumer reporting agencies, please allow 10-15 days for this update to occur. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. [redacted] charged off this debt and sold the account. It is likely that [redacted] believes that the “charge-off” means that the debt is satisfied; however, this is not the case. Charge-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 creditor. It does not affect the debtor’s responsibility for the account debt. After charge-off, an account remains collectible, and if sold, the current owner has the right to collect. A charged-off account may remain on a credit report for up to seven years. [redacted]'s letter asserts that LVNV “re-ages” accounts. We believe he means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrect. It is likely that he believes that the “Open Date” is used as the starting point in the calculation of the seven-year period that his debt's derogatory account can remain on his credit report. This is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is July 11, 2008. 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 owed. Therefore, the term is accurate in this situation and the account is reported correctly. Resurgent utilizes third party collection agencies to service accounts on its behalf. This account has been placed with various collection agencies since LVNV’s acquisition. Any notification requirements for this account would have been met by these collection agencies. A validation notice was mailed to [redacted] on September 12, 2013 and June 20, 2014 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, verification of debt was mailed to [redacted] on June 24, 2014. This account has been properly verified as required by the FDCPA. [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 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] 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. Enclosures
February 1, 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] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by [redacted] dated January 29, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. We have confirmed with [redacted] Financial, our third-party servicer, that they did not speak with [redacted] regarding this account. Therefore, we respectfully disagree with [redacted]’s claims that [redacted] Financial promised to delete the LVNV tradeline in exchange for satisfaction of the account. If [redacted] would like to discuss payment options, they may contact Customer Service at the number below. As stated in our previous response, Resurgent does not accept payment in exchange for tradeline deletion. If [redacted] has any further questions, comments or concerns, they may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
Please see the attached response.
April 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]...
[redacted] This letter is in response to your correspondence dated April 22, 2015, regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, the following account has been closed. 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 experienced regarding this account. Acct No. [redacted] Reference No. [redacted] Original Creditor: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 16, 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: 531069175 Current Balance: $651.24 Dear [redacted] This letter is in response to your correspondence dated June 10, 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 January 10, 2013. As of the date of this communication, the account balance is $651.24. Please review the following account information: 1. This account originated on October 7, 2011 with [redacted]. 2. This account charged off on December 13, 2012 with a balance of $851.24. 3. The last payment in the amount of $200.00 was received on January 25, 2014. 4. Enclosed are bill statements and an account summary for [redacted] 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. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. In 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. [redacted] letter asserts that LVNV “re-ages” accounts. We believe he means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrect. It is likely that he believes that the “Open Date” is used as the starting point in the calculation of the seven-year period that his debt's derogatory account can remain on his credit report. This is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is June 12, 2012. A request to delete the LVNV tradeline will be submitted on or around March 2019. Verification of debt was mailed to [redacted] attorney on July 31, 2014 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter for [redacted] review. Our records indicate [redacted] previously submitted to this office on May 8, 2015 a notice demanding that we cease communication with him. When 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, [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...⇄ 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 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(s)
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]
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 complaint.
I mailed a letter to them the day after I spoke with them on the phone and only after no response did I file with the Revdex.com. I have not received any communication from [redacted] regarding any past due balances and that is why I am asking for proof that I owe them money, I don't think that's too much to ask especially since there are 2 other members of my family (one of my household) with a [redacted] name. My brother had an apartment near mine during this time, he has the same initials as I, is it possible [redacted] made a mistake in the billing? The burden of proof is not on me, but as I stated in my phone call, I offered to, but was advised not to, contact [redacted] myself to verify. I feel as though I was more than reasonable having offered to pay it upon receipt of proof and have got nothing in terms of such from Resurgent. I never even received anything from Resurgent when they acquired this debt to give me the opportunity to look into this months ago. Also, I would advise Resurgent that they may reach me by mail if they can provide me proof of debt in the form of an original contract, payment history, or cancelled check to prove it was in fact my debt and not another J. [redacted] or worse yet, fraudulent activity that would require police or legal intervention to protect my identity. Once again, if I in fact owe this money, I will work towards a fair settlement with Resurgent, but as of yet I have nothing that suggests this debt belongs to me.
Regards,
[redacted]
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 complaint. Collector's statement of this being the first contact is inaccurate. This is a case of he said/she...
said and I require actual documentation as I am legally entitled to. Specifically I need the following documentation in order to determine whether this is a legitimate debt owed by me:1. Copy of credit application signed by me. 2. Provide a copy of the executed contract with Capital One setting forth the terms I am alleged to have agreed to in connection with the card at the beginning. 3. Provide a copy of modification to those terms agreed to by me. 4. Produce a copy of all statements from the beginning of time to present. 5. Produce detail regarding alleged charges by amount, type, and date. 6. Produce evidence of all statements received.
Regards,
[redacted]
Please see the attached response.June 30, 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 your correspondence dated June 29, 2015, regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, the account has been closed. 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. Acct No. [redacted] Original Creditor: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Please see the attached response.Dear [redacted] This letter is in response to your correspondence dated June 29, 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], LLC on or about September 23, 2011. As of the date of this communication, the account balance is $1,066.28. Please review the following account information: 1. This account originated on April 13, 2001, with [redacted] and was opened with [redacted], Inc. 2. This account charged off on October 19, 2001. 3. No payments have been received on this account since Resurgent started servicing it in September 2011. 4. Enclosed is 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, LVNV is not reporting the account to the major consumer reporting agencies. [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. [redacted]’s correspondence contains language Resurgent has interpreted to mean that we cease communication with her. When 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, [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 satisfied in full, the resolution 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], LLC, [redacted] and/or [redacted], Inc. 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)
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.November 2, 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: $1,634.84 Dear [redacted] This letter is in response to your correspondence dated October 26, 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 18, 2007. As of the date of this communication, the account balance is $1,634.84. Please review the following account information: 1. This account originated on September 25, 2005 with [redacted] and was opened with [redacted] 2. This account charged off on May 6, 2007 with a balance of $1,066.80. 3. The last payment in the amount of $55.00 was received on October 6, 2006. 4. No payments have been received on this account since Resurgent started servicing it in October 2007. 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, LVNV is not reporting and has never reported the account to the major consumer reporting agencies. The enclosed verification of debt with validation was mailed to [redacted] on or about September 28, 2015 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). [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. [redacted]’s October 26, 2015 complaint contains language Resurgent has interpreted to mean that we cease communication with him. When 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, [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...⇄ 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 [redacted] 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: [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
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 complaint.
Regards,
[redacted]
Dear Ms. [redacted]: This letter is in response to your correspondence dated May 6, 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] Corporation (USA) IV on or about October 20, 2010. We have verified this account was settled in full on March 30, 2013, for payments received totaling $1,902.00. The status of the account was updated to "Settled in Full" on April 1, 2013. The account is considered resolved in our office, and Mr. [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. Resurgent last reported the above account to the three major consumer reporting agencies (also known as “credit bureaus”) as “Account Paid in Full for Less than the Full Balance” on or about June 12, 2013. As a courtesy, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies. Please allow 30 to 45 days for this update to occur. Additionally, we are unable to alter the credit bureau reporting of another creditor. Mr. [redacted] should contact the respective consumer reporting agencies regarding information he believes is being reported in error. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.October 5, 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 Numbers: [redacted] Dear [redacted] This letter is in response to your correspondence dated September 28, 2015 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted]. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on October 7, 2006 with [redacted] and was opened with [redacted]. 2. This account charged off on February 28, 2010 with a balance of $1,074.84. 3. This account was purchased from [redacted] on March 18, 2010. 4. The last payment in the amount of $25.00 was received on September 14, 2009. 5. No payments have been received on this account since Resurgent started servicing it in March 2010. 6. The current balance of this account is $2,099.32. 7. Enclosed please find an account summary on file for this account. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on May 22, 2007 with[redacted] 2. This account charged off on September 29, 2009 with a balance of $4,359.55. 3. This account was purchased from [redacted] on June 7, 2013. 4. The last payment in the amount of $50.00 was received on March 6, 2009. 5. No payments have been received on this account since Resurgent started servicing it in June 2013. 6. The current balance of this account is $9,638.35. 7. Enclosed please find an account summary on file for this account. All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditors. Those 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 LVNV. The original creditors may also continue to report the history of these accounts from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradelines are being reported as “disputed” to the three major consumer reporting agencies. They will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureaus. 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 owed. Therefore, the term is accurate in this situation and the accounts are reported correctly. The Terms Duration is reported accurately as 1 month, as the entire balance for the account is due upon demand. In a previous dispute, [redacted] has claimed that the statute of limitations has expired. Although the statute of limitations for seeking legal action, such as a judgment, has expired for these accounts, the account balances are still collectible; Expiration of the statute of limitations does not invalidate the obligation or [redacted]’ responsibility for the balances due on these accounts. Additionally, due to Resurgent’s internal policy change, these accounts have not and will not accrue additional interest as of January 5, 2015. If, after review of the above-referenced information, [redacted] 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 matter. Blank 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 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 [redacted] 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: [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.
October 20, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [redacted]; Case/File No. [redacted]Reference Number: [redacted]Dear Ms. R[redacted]:This letter is in response to the additional concerns submitted by Mr. [redacted] received October 13, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by Pinnacle.Resurgent has received and reviewed Mr. [redacted]’s October 13, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated October 3, 2017 which is substantially the same as his October 13, 2017 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute.As advised in our response to Mr. [redacted]’s previous inquiry, if Mr. [redacted] believes this account is not his or is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. 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.In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to:Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box 10497 Greenville, SC 29603If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted].Sincerely,A. J[redacted] Compliance Department Resurgent Capital Services L.P.
October 18, 2017 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] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,241.65 Dear Ms. R[redacted]: This letter is in response to your correspondence received October 12, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 12, 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 $2,241.65. Please review the following account information: 1. This account originated on May 30, 2010 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $82.00 was received on April 27, 2016. 3. This account charged off on December 5, 2016 with a balance of $2,241.65. 4. No payments have been received on this account since Resurgent started servicing it in January 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. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his 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] 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 June 3, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in March 2023. The enclosed letter containing verification of was mailed to Mr. [redacted] on August 21, 2017 in response to his August 16, 2017 correspondence. Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Resurgent mailed Mr. [redacted] the enclosed letter dated September 26, 2017 in response to his August 27, 2017 correspondence since verification of debt was previously provided to him on August 21, 2017. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr. [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: [redacted] *. [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Brands, Inc. Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $143.08 Dear Ms. R[redacted]: This...
letter is in response to your correspondence received November 29, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 30, 2015. 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 $143.08. Please review the following account information: 1. This account originated on June 2, 2014 with [redacted] and was opened with [redacted]. 2. The last payment in the amount of $15.89 was received on July 30, 2014. 3. This account charged off on December 29, 2014 with a balance of $143.08. 4. No payments have been received on this account since Resurgent started servicing it in April 2015. 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. 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] 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 September 1, 2014. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in June 2021. The enclosed letter containing verification of debt with validation was mailed to Ms. [redacted] on May 24, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). This account has been properly verified as required by the FDCPA. Additionally, please find the enclosed bill statements on file for the account. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 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. Enclosure(s)
November 27, 2017 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] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current...
Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $765.15 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 20, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 13, 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 $765.15. Please review the following account information: 1. This account originated on August 16, 2015 with [redacted] Bank, N.A. 2. This account charged off on March 5, 2017 with a balance of $765.15. 3. The last payment in the amount of $26.00 was received on August 26, 2016. 4. No payments have been received on this account since Resurgent started servicing it in April 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. Our records do not indicate that a request to delete the LVNV for this account was previously submitted to any of the three major consumer reporting agencies. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her 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. Regarding Ms. [redacted]’s concern that Resurgent does not respond to her letters and only responds to her Consumer Financial Protection Bureau (“CFPB”) inquiries, as advised in our two previous responses to the CFPB, Resurgent received a letter from Ms. [redacted] dated June 21, 2017 that included a request for Resurgent to cease communication with her. Specifically, Ms. [redacted] stated that she “refuse[d] to pay this account.” When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. Thus, Resurgent was unable to respond to Ms. [redacted]’s June 21, 2017 letter, or any of her subsequent requests. Verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was previously provided to Ms. [redacted] on October 26, 2017 in response to her previous Consumer Financial Protection Bureau inquiry, case number [redacted]. The bill statements, terms and conditions, and an account summary that were provided in our previous response are enclosed for your review. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)