Thank you for your response, but this still doesn’t help me. I did not say that the account is fraudulent. If you re-read original the letter I sent back in May, I said it could be, didn't say it was. I need you to prove to me that this $55,000.00 bill, that...
goes back 15 years, is in fact mine. That's a large amount for some to "just pay" Please provide me with back up. Thank you [redacted]
October 25, 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] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $268.38 Dear Ms. R[redacted]: This letter is in response to your correspondence received October 20, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on April 29, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $268.38. Please review the following account information: 1. This account originated on May 13, 2011 with [redacted]. 2. This account charged off on November 9, 2011 with a balance of $268.38. 3. No payments have been received on this account since Pinnacle acquired it in April 2014. 4. Enclosed are bill statements and an account summary on file for this account. Pinnacle acquired all ownership rights in this account upon Pinnacle’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 Pinnacle. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the Pinnacle tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. [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 May 13, 2011. A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in February 2018. 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] [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)
Please see the attached response.May 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 Number: [redacted] Dear [redacted] This...
letter is in response to your correspondence dated April 30, 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. 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.April 20, 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 April 13, 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 December 22, 2006 with [redacted] and was opened with [redacted]. 2. This account charged off on April 30, 2009. 3. This account was purchased from [redacted] on May 19, 2009. 4. The last payment in the amount of $97.36 was received on June 7, 2013. 5. The current balance of this account is $5,212.30. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted]
1. This account originated on December 27, 2012 with [redacted] and was opened with [redacted]. 2. This account charged off on October 20, 2009 with a balance of $886.27. 3. This account was purchased from [redacted] on October 27, 2009. 4. The last payment in the amount of $199.00 was received on April 2, 2009. 5. No payments have been received on this account since Resurgent started servicing it in October 2009. 6. The current balance of this account is $1,221.01. 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. 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 credit bureaus. 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. [redacted]'s letter asserts that LVNV “re-ages” accounts. We believe he means the life of the debts have 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 account number ending in [redacted] is October 30, 2008. The tradeline will be deleted on or before July 30, 2015. The “Date of First Delinquency” for account number ending in 6501 is April 20, 2009. The tradeline will be deleted on or before January 20, 2016. For account number [redacted], reference number [redacted], a judgment was obtained July 19, 2011 in the State of [redacted] 18th District Court Judicial Circuit, [redacted] (“Court”) with case number [redacted]. Our records indicate that [redacted] was served the summons and complaint on May 28, 2011. Enclosed is a copy of the proof of service and judgment for [redacted] review. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. In his complaint, [redacted] claims “that over the years they have be taking part of our tax returns and the amount owed never goes down.” Judgment was entered by default on July 19, 2011 in the amount of $4,791.71 plus accrued interest of $210.74 at a rate of 13% APR. On June 30, 2012, the interest rate was reduced to 1.87%, and has changed every 6 months to coincide with the floating [redacted] statutory rate. On September 19, 2012, $600.00 was collected via a State of [redacted] Income Tax Refund garnishment. One June 7, 2013, $103.36 was collected via a State of [redacted] Income Tax Refund garnishment. Both garnishments are reflected in the account balance as of this communication. Enclosed is a copy of the Request and Writ for Garnishment (Periodic) and Garnishment Release documents on file for this account. In his complaint, [redacted] claims attempts have been made to “seize property.” On March 4, 2015, the Court issued a Request and Order to Seize property at our servicer’s direction. On March 20, 2015, Court Officer [redacted] began work on the Order to Seize property by contacting our servicer regarding the [redacted] 2008 Ford F-150. On April 4, 2015, Court Officer [redacted] determined that the 2008 Ford F-150 belonged to [redacted] father, who has the same name. Enclosed is a copy of the Request and Order to Seize Property. Regarding [redacted]’s claim regarding a payment of $500.00, our servicer advised they are unaware if Court Officer [redacted] collected $500.00 as they have not received his collection report to date. For account number [redacted], reference number [redacted], we have reached out to [redacted]), [redacted] in order to verify [redacted]’s claim the account was paid prior to LVNV purchase. If we receive confirmation the account was paid, we will forward the information upon receipt. Additionally, 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
Please see Resurgent's attached response to the referenced complaint.November 25, 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], Inc. Original Creditor: [redacted], Inc. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated November 23, 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], Inc. on or about May 16, 2013. Please review the following account information: 1. This account originated on April 24, 2009 with [redacted], Inc. 2. This account charged off on April 6, 2011. 3. No payments have been received on this account since Resurgent started servicing it in May 2013. 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. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, Resurgent has made the business decision to close the account. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
I accept there will be no more contact. Also I am still confused about this so called account. I have never had any dealings with [redacted] until in the last 7-8 years they have my mortgage. I still would like to see who signed for this account Resurgent is claiming. [redacted]
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] I accept there will be no more contact. Also I am still confused about this so called account. I have never had any dealings with [redacted] until in the last 7-8 years they have my mortgage. I still would like to see who signed for this account Resurgent is claiming. Mr. [redacted]I accept there will be no more contact. Also I am still confused about this so called account. I have never had any dealings with [redacted] until in the last 7-8 years they have my mortgage. I still would like to see who signed for this account Resurgent is claiming. Mr. [redacted]I accept there will be no more contact. Also I am still confused about this so called account. I have never had any dealings with [redacted] until in the last 7-8 years they have my mortgage. I still would like to see who signed for this account Resurgent is claiming. Mr. [redacted]
Dear Ms. [redacted]: This letter is in response to your correspondence dated March 20, 2017...
regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on December 30, 2011. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Please review the following account information: 1. This account originated on April 13, 2003 with [redacted] Bank, N.A. 2. This account charged off on April 29, 2005. 3. The last payment in the amount of $0.38 was received on July 13, 2011. 4. No payments have been received on this account since Resurgent started servicing it in December 2011. 5. Bankruptcy records indicate that this account was included in Mr. [redacted]’s Chapter 13 bankruptcy and was discharged in June 2011. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, LVNV is not reporting the account to the major consumer reporting agencies. A judgment was obtained March 20, 2008 in the Justice Court, Precinct 2 Place 1, [redacted] County, Texas with case number [redacted]. We are not the source of public record information reported by consumer reporting agencies. If Mr. [redacted] wishes to dispute or challenge public record entries, we recommend he contact the consumer reporting agency that is reflecting the entry, ask them for the source of their information, and then direct his dispute or challenge to that source. After investigating the account, a request to release the judgment was submitted to the court on or about March 27, 2017. We have enclosed a copy of the notice of satisfaction and release of judgment. We apologize for any inconvenience. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-[redacted]. Sincerely, A. J[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]
Please see the attached response.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]...
[redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $4,125.47 Dear [redacted] This letter is in response to your correspondence dated April 14, 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 September 23, 2011. As of the date of this communication, the account balance is $4,125.47. Please review the following account information: 1. This account originated on December 28, 1999, with [redacted] and was opened with [redacted] 2. This account charged off on December 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. Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition. If, upon hearing back from the original creditor, we learn anything to substantiate your claim(s), we will take any necessary steps to resolve this account. 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. Resurgent will place [redacted] account in a cease and desist status based on her complaint. 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. We apologize for any inconvenience [redacted] may have experienced regarding this account. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ addition, if [redacted] has any correspondence to/from [redacted], LLC and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
I have NEVER received any information about this account from this or any person owning rid account. The addressthey sent information to is not, not had it ever been a address in which I resided. ([redacted] ) therfore I couldn't possibly have been legally notified if I never lived there.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see the attached response.August 12, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $898.80 Dear [redacted] This letter is in response to your correspondence dated August 11, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about April 10, 2015. As of the date of this communication, the account balance is $898.80. Please review the following account information: 1. This account originated on February 13, 2014, with [redacted] 2. This account charged off on March 19, 2015, with a balance of $898.80. 3. The last payment in the amount of $25.00 was received on August 13, 2014. 4. No payments have been received on this account since Resurgent started servicing it in April 2015. 5. Enclosed are bill statements, an account summary and terms and conditions for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle.Resurgent received the electronic dispute that [redacted] submitted through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective consumer reporting agencies. 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(s) Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt, or any portion of it, we will assume this debt is valid. If you notify us in writing within 30 days after receiving this notice that you dispute the validity of this debt, or any portion of it, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of us in writing, within 30 days after receiving this notice, we will provide you with the name and address of the original creditor, if different from the current creditor.
Please see the attached response.June 15, 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: $3,763.59 Dear [redacted] This letter is in response to your correspondence dated June 8, 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 13, 2011. As of the date of this communication, the account balance is $3,763.59, which includes an interest balance of $821.96. Due to Resurgent’s internal policy change, this account has not and will not accrue additional interest as of January 5, 2015. Please review the following account information: 1. This account originated on April 20, 2006, with [redacted]. 2. This account charged off on February 28, 2010, with a balance of $3,209.63. 3. The last payment in the amount of $200.00 was received on June 7, 2010. 4. No payments have been received on this account since Resurgent started servicing it in January 2011. 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”). Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30-45 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. Resurgent responded to a Revdex.com inquiry received on May 6, 2014. Enclosed is [redacted] Revdex.com inquiry and Resurgent’s response to this inquiry dated May 12, 2014, which includes bill statements and letters verifying the debt. Additionally, enclosed is a follow-up correspondence received via the Revdex.com in which [redacted] advised that he is satisfied with Resurgent’s resolution. 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: 866-467-0918 [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, D. Parham Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.July 6, 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: $3,075.80 Dear [redacted]: This letter is in response to your correspondence dated July 2, 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 31, 2011. As of the date of this communication, the account balance is $3,075.80. Please review the following account information: 1. This account originated on May 10, 2006, with [redacted]. and was opened with [redacted]
[redacted] 2. This account charged off on April 28, 2007. 3. The last payment in the amount of $55.67 was received on April 2, 2008. 4. No payments have been received on this account since Resurgent started servicing it in October 2011. 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. A judgment was obtained October 20, 2009, in the State Court of [redacted] County, [redacted] with case number [redacted]. Our records indicate that [redacted] was personally served with a copy of the action and summons on July 14, 2009. Enclosed is a copy of the judgment and the Marshal/Sheriff’s Entry of Service for [redacted] review. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. [redacted] complaint states that he has been sent fake court documents with no seal or signature. Please note that the judgment with case number [redacted] is not a fake court document and is enforceable. Additionally, the correspondence [redacted] submitted on July 2, 2015 contains language we have interpreted as a request to 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 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 [redacted], [redacted]
[redacted]. and/or [redacted]. concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
[redacted] Sincerely,
[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.July 15, 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]...
[redacted] This letter is in response to your correspondence dated July 13, 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 June 26, 2007, with [redacted]. 2. This account charged off on May 7, 2009. 3. This account was purchased from [redacted]. on November 7, 2012. 4. No payments have been received on this account since Resurgent started servicing it in November 2012. 5. The current balance of this account is $535.19. 6. Enclosed are bill statements and an account summary for your review. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted]. 1. This account originated on February 12, 2010, with [redacted]. 2. This account charged off on June 14, 2010. 3. This account was purchased from [redacted]. on November 7, 2012. 4. No payments have been received on this account since Resurgent started servicing it in November 2012. 5. The current balance of this account is $340.75. 6. Enclosed are bill statements and an account summary for your review. 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, account number ending in [redacted] 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. Since the legal time limit for bureau reporting is approaching on account number ending in [redacted] a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30-45 days for this update to occur. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for account number ending in 5033 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. 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. If, after review of the above-referenced information, [redacted] believes these accounts are 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 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 [redacted]. concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely,[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
This is showing by the bill, 2011, but report on my credit file is 2014, this is totally inaccurate and a...
false report on my credit file.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint.October 12, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: **...
[redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated October 8, 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 29, 2009. As of the date of this communication, the account is considered Satisfied in Full. 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. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct her dispute or challenge to the source of the information. Resurgent received [redacted]’s final payment of $954.78 on February 6, 2013. The account status was updated to Satisfied in Full on February 20, 2013 and the Satisfaction of Judgment was filed with the court on March 5, 2013. There have been no subsequent garnishments of [redacted]’s bank account by or on behalf of Resurgent. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
RE: [redacted]. [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] USA Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to your...
correspondence received December 6, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 30, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. We have investigated this matter and closed the account due to fraud. A request to delete the LVNV tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 10 to 15 days for these updates to occur. We apologize for any inconvenience Mr. [redacted] may have experienced. 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.
Please see Resurgent's attached response to the referenced complaint.June 3, 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 May 27, 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. We have investigated the account and have submitted a request to the three major consumer reporting agencies (also known as “credit bureaus”) to delete the LVNV tradeline. Please allow 10 to 15 days for this update to occur. We apologize for any miscommunication regarding the credit reporting status of [redacted] account and have taken steps to prevent future confusion. The following account is considered resolved in our office, and we apologize for any inconvenience [redacted] may have experienced. 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 the attached response.May 19, 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 May 13, 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.
Thank you for your response, but this still doesn’t help me. I did not say that the account is fraudulent. If you re-read original the letter I sent back in May, I said it could be, didn't say it was. I need you to prove to me that this $55,000.00 bill, that...
goes back 15 years, is in fact mine. That's a large amount for some to "just pay" Please provide me with back up. Thank you [redacted]
October 25, 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] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $268.38 Dear Ms. R[redacted]: This letter is in response to your correspondence received October 20, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on April 29, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $268.38. Please review the following account information: 1. This account originated on May 13, 2011 with [redacted]. 2. This account charged off on November 9, 2011 with a balance of $268.38. 3. No payments have been received on this account since Pinnacle acquired it in April 2014. 4. Enclosed are bill statements and an account summary on file for this account. Pinnacle acquired all ownership rights in this account upon Pinnacle’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 Pinnacle. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the Pinnacle tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. [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 May 13, 2011. A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in February 2018. 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] [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)
Please see the attached response.May 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 Number: [redacted] Dear [redacted] This...
letter is in response to your correspondence dated April 30, 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. 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.April 20, 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 April 13, 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 December 22, 2006 with [redacted] and was opened with [redacted]. 2. This account charged off on April 30, 2009. 3. This account was purchased from [redacted] on May 19, 2009. 4. The last payment in the amount of $97.36 was received on June 7, 2013. 5. The current balance of this account is $5,212.30. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted]
1. This account originated on December 27, 2012 with [redacted] and was opened with [redacted]. 2. This account charged off on October 20, 2009 with a balance of $886.27. 3. This account was purchased from [redacted] on October 27, 2009. 4. The last payment in the amount of $199.00 was received on April 2, 2009. 5. No payments have been received on this account since Resurgent started servicing it in October 2009. 6. The current balance of this account is $1,221.01. 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. 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 credit bureaus. 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. [redacted]'s letter asserts that LVNV “re-ages” accounts. We believe he means the life of the debts have 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 account number ending in [redacted] is October 30, 2008. The tradeline will be deleted on or before July 30, 2015. The “Date of First Delinquency” for account number ending in 6501 is April 20, 2009. The tradeline will be deleted on or before January 20, 2016. For account number [redacted], reference number [redacted], a judgment was obtained July 19, 2011 in the State of [redacted] 18th District Court Judicial Circuit, [redacted] (“Court”) with case number [redacted]. Our records indicate that [redacted] was served the summons and complaint on May 28, 2011. Enclosed is a copy of the proof of service and judgment for [redacted] review. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. In his complaint, [redacted] claims “that over the years they have be taking part of our tax returns and the amount owed never goes down.” Judgment was entered by default on July 19, 2011 in the amount of $4,791.71 plus accrued interest of $210.74 at a rate of 13% APR. On June 30, 2012, the interest rate was reduced to 1.87%, and has changed every 6 months to coincide with the floating [redacted] statutory rate. On September 19, 2012, $600.00 was collected via a State of [redacted] Income Tax Refund garnishment. One June 7, 2013, $103.36 was collected via a State of [redacted] Income Tax Refund garnishment. Both garnishments are reflected in the account balance as of this communication. Enclosed is a copy of the Request and Writ for Garnishment (Periodic) and Garnishment Release documents on file for this account. In his complaint, [redacted] claims attempts have been made to “seize property.” On March 4, 2015, the Court issued a Request and Order to Seize property at our servicer’s direction. On March 20, 2015, Court Officer [redacted] began work on the Order to Seize property by contacting our servicer regarding the [redacted] 2008 Ford F-150. On April 4, 2015, Court Officer [redacted] determined that the 2008 Ford F-150 belonged to [redacted] father, who has the same name. Enclosed is a copy of the Request and Order to Seize Property. Regarding [redacted]’s claim regarding a payment of $500.00, our servicer advised they are unaware if Court Officer [redacted] collected $500.00 as they have not received his collection report to date. For account number [redacted], reference number [redacted], we have reached out to [redacted]), [redacted] in order to verify [redacted]’s claim the account was paid prior to LVNV purchase. If we receive confirmation the account was paid, we will forward the information upon receipt. Additionally, 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
Please see Resurgent's attached response to the referenced complaint.November 25, 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], Inc. Original Creditor: [redacted], Inc. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated November 23, 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], Inc. on or about May 16, 2013. Please review the following account information: 1. This account originated on April 24, 2009 with [redacted], Inc. 2. This account charged off on April 6, 2011. 3. No payments have been received on this account since Resurgent started servicing it in May 2013. 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. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, Resurgent has made the business decision to close the account. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
I accept there will be no more contact. Also I am still confused about this so called account. I have never had any dealings with [redacted] until in the last 7-8 years they have my mortgage. I still would like to see who signed for this account Resurgent is claiming. [redacted]
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] I accept there will be no more contact. Also I am still confused about this so called account. I have never had any dealings with [redacted] until in the last 7-8 years they have my mortgage. I still would like to see who signed for this account Resurgent is claiming. Mr. [redacted]I accept there will be no more contact. Also I am still confused about this so called account. I have never had any dealings with [redacted] until in the last 7-8 years they have my mortgage. I still would like to see who signed for this account Resurgent is claiming. Mr. [redacted]I accept there will be no more contact. Also I am still confused about this so called account. I have never had any dealings with [redacted] until in the last 7-8 years they have my mortgage. I still would like to see who signed for this account Resurgent is claiming. Mr. [redacted]
Dear Ms. [redacted]: This letter is in response to your correspondence dated March 20, 2017...
regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on December 30, 2011. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Please review the following account information: 1. This account originated on April 13, 2003 with [redacted] Bank, N.A. 2. This account charged off on April 29, 2005. 3. The last payment in the amount of $0.38 was received on July 13, 2011. 4. No payments have been received on this account since Resurgent started servicing it in December 2011. 5. Bankruptcy records indicate that this account was included in Mr. [redacted]’s Chapter 13 bankruptcy and was discharged in June 2011. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, LVNV is not reporting the account to the major consumer reporting agencies. A judgment was obtained March 20, 2008 in the Justice Court, Precinct 2 Place 1, [redacted] County, Texas with case number [redacted]. We are not the source of public record information reported by consumer reporting agencies. If Mr. [redacted] wishes to dispute or challenge public record entries, we recommend he contact the consumer reporting agency that is reflecting the entry, ask them for the source of their information, and then direct his dispute or challenge to that source. After investigating the account, a request to release the judgment was submitted to the court on or about March 27, 2017. We have enclosed a copy of the notice of satisfaction and release of judgment. We apologize for any inconvenience. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-[redacted]. Sincerely, A. J[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]
Please see the attached response.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]...
[redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $4,125.47 Dear [redacted] This letter is in response to your correspondence dated April 14, 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 September 23, 2011. As of the date of this communication, the account balance is $4,125.47. Please review the following account information: 1. This account originated on December 28, 1999, with [redacted] and was opened with [redacted] 2. This account charged off on December 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. Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition. If, upon hearing back from the original creditor, we learn anything to substantiate your claim(s), we will take any necessary steps to resolve this account. 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. Resurgent will place [redacted] account in a cease and desist status based on her complaint. 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. We apologize for any inconvenience [redacted] may have experienced regarding this account. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ addition, if [redacted] has any correspondence to/from [redacted], LLC and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
I have NEVER received any information about this account from this or any person owning rid account. The addressthey sent information to is not, not had it ever been a address in which I resided. ([redacted] ) therfore I couldn't possibly have been legally notified if I never lived there.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see the attached response.August 12, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $898.80 Dear [redacted] This letter is in response to your correspondence dated August 11, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about April 10, 2015. As of the date of this communication, the account balance is $898.80. Please review the following account information: 1. This account originated on February 13, 2014, with [redacted] 2. This account charged off on March 19, 2015, with a balance of $898.80. 3. The last payment in the amount of $25.00 was received on August 13, 2014. 4. No payments have been received on this account since Resurgent started servicing it in April 2015. 5. Enclosed are bill statements, an account summary and terms and conditions for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle.Resurgent received the electronic dispute that [redacted] submitted through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective consumer reporting agencies. 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(s) Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt, or any portion of it, we will assume this debt is valid. If you notify us in writing within 30 days after receiving this notice that you dispute the validity of this debt, or any portion of it, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of us in writing, within 30 days after receiving this notice, we will provide you with the name and address of the original creditor, if different from the current creditor.
Please see the attached response.June 15, 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: $3,763.59 Dear [redacted] This letter is in response to your correspondence dated June 8, 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 13, 2011. As of the date of this communication, the account balance is $3,763.59, which includes an interest balance of $821.96. Due to Resurgent’s internal policy change, this account has not and will not accrue additional interest as of January 5, 2015. Please review the following account information: 1. This account originated on April 20, 2006, with [redacted]. 2. This account charged off on February 28, 2010, with a balance of $3,209.63. 3. The last payment in the amount of $200.00 was received on June 7, 2010. 4. No payments have been received on this account since Resurgent started servicing it in January 2011. 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”). Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30-45 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. Resurgent responded to a Revdex.com inquiry received on May 6, 2014. Enclosed is [redacted] Revdex.com inquiry and Resurgent’s response to this inquiry dated May 12, 2014, which includes bill statements and letters verifying the debt. Additionally, enclosed is a follow-up correspondence received via the Revdex.com in which [redacted] advised that he is satisfied with Resurgent’s resolution. 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: 866-467-0918 [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, D. Parham Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.July 6, 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: $3,075.80 Dear [redacted]: This letter is in response to your correspondence dated July 2, 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 31, 2011. As of the date of this communication, the account balance is $3,075.80. Please review the following account information: 1. This account originated on May 10, 2006, with [redacted]. and was opened with [redacted]
[redacted] 2. This account charged off on April 28, 2007. 3. The last payment in the amount of $55.67 was received on April 2, 2008. 4. No payments have been received on this account since Resurgent started servicing it in October 2011. 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. A judgment was obtained October 20, 2009, in the State Court of [redacted] County, [redacted] with case number [redacted]. Our records indicate that [redacted] was personally served with a copy of the action and summons on July 14, 2009. Enclosed is a copy of the judgment and the Marshal/Sheriff’s Entry of Service for [redacted] review. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. [redacted] complaint states that he has been sent fake court documents with no seal or signature. Please note that the judgment with case number [redacted] is not a fake court document and is enforceable. Additionally, the correspondence [redacted] submitted on July 2, 2015 contains language we have interpreted as a request to 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 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 [redacted], [redacted]
[redacted]. and/or [redacted]. concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
[redacted] Sincerely,
[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.July 15, 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]...
[redacted] This letter is in response to your correspondence dated July 13, 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 June 26, 2007, with [redacted]. 2. This account charged off on May 7, 2009. 3. This account was purchased from [redacted]. on November 7, 2012. 4. No payments have been received on this account since Resurgent started servicing it in November 2012. 5. The current balance of this account is $535.19. 6. Enclosed are bill statements and an account summary for your review. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted]. 1. This account originated on February 12, 2010, with [redacted]. 2. This account charged off on June 14, 2010. 3. This account was purchased from [redacted]. on November 7, 2012. 4. No payments have been received on this account since Resurgent started servicing it in November 2012. 5. The current balance of this account is $340.75. 6. Enclosed are bill statements and an account summary for your review. 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, account number ending in [redacted] 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. Since the legal time limit for bureau reporting is approaching on account number ending in [redacted] a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30-45 days for this update to occur. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for account number ending in 5033 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. 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. If, after review of the above-referenced information, [redacted] believes these accounts are 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 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 [redacted]. concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely,[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
This is showing by the bill, 2011, but report on my credit file is 2014, this is totally inaccurate and a...
false report on my credit file.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint.October 12, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: **...
[redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated October 8, 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 29, 2009. As of the date of this communication, the account is considered Satisfied in Full. 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. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct her dispute or challenge to the source of the information. Resurgent received [redacted]’s final payment of $954.78 on February 6, 2013. The account status was updated to Satisfied in Full on February 20, 2013 and the Satisfaction of Judgment was filed with the court on March 5, 2013. There have been no subsequent garnishments of [redacted]’s bank account by or on behalf of Resurgent. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
RE: [redacted]. [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] USA Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to your...
correspondence received December 6, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 30, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. We have investigated this matter and closed the account due to fraud. A request to delete the LVNV tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 10 to 15 days for these updates to occur. We apologize for any inconvenience Mr. [redacted] may have experienced. 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.
Please see Resurgent's attached response to the referenced complaint.June 3, 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 May 27, 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. We have investigated the account and have submitted a request to the three major consumer reporting agencies (also known as “credit bureaus”) to delete the LVNV tradeline. Please allow 10 to 15 days for this update to occur. We apologize for any miscommunication regarding the credit reporting status of [redacted] account and have taken steps to prevent future confusion. The following account is considered resolved in our office, and we apologize for any inconvenience [redacted] may have experienced. 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 the attached response.May 19, 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 May 13, 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.