Please see Resurgent's attached response to the referenced complaint.Dear [redacted]: This letter is in response to your correspondence dated September 16, 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 3, 2007. Please review the following account information: 1. This account originated on April 2, 2002 with [redacted]), [redacted] and was opened with [redacted]. 2. This account charged off on December 27, 2006 with a balance of $3,020.47. 3. The last payment in the amount of $1,350.00 was received on May 27, 2015. 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 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. This account was satisfied in full on May 27, 2015 for $1,350.00. The status of the account was updated to "Satisfied in Full" on May 27, 2015. The release of judgment process was initiated by Resurgent June 1, 2015. Additionally, our servicer has advised a satisfaction of judgment was filed with the court on September 21, 2015. [redacted] will receive a copy of the satisfaction of judgment by mail. The account is considered resolved in our office. We apologize for any inconvenience. 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 she 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. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely,
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 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 Numbers: [redacted] Dear [redacted] This letter is in response to your correspondence dated August 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 November 29, 2006 with [redacted]. and was opened with [redacted] 2. This account charged off on November 30, 2009 with a balance of $8,419.29. 3. This account was purchased from [redacted]. on April 8, 2011. 4. The last payment in the amount of $240.00 was received on April 17, 2009. 5. No payments have been received on this account since Resurgent started servicing it in April 2011. 6. The current balance of this account is $10,312.59. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted]. 1. This account originated on May 16, 2007 with [redacted]. and was opened with [redacted] 2. This account charged off on July 31, 2009 with a balance of $6,881.26. 3. This account was purchased from [redacted]. on April 8, 2011. 4. The last payment in the amount of $300.00 was received on December 16, 2008. 5. No payments have been received on this account since Resurgent started servicing it in April 2011. 6. The current balance of this account is $8,432.63. 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”). As a courtesy, due to the approaching expiration of the legal credit reporting period for the accounts, a request to delete the LVNV tradeline will be submitted during our next reporting cycle for both accounts. 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. Regarding the account ending in [redacted] our records indicate that a lawsuit was filed in [redacted] County Justice of the [redacted] Court, [redacted] and Case No. [redacted] was dismissed without prejudice. The statute of limitations for seeking legal action has expired; however, the account balance is still collectible. Regarding [redacted]’s claim that Resurgent did not respond to her inquiries, Resurgent provided the enclosed letter dated December 3, 2014 to [redacted]’s attorney, Justin Nichols, who our records indicate represents [redacted] regarding the account ending in [redacted] The letter includes bill statements and an account summary on file for the account. Resurgent did not respond to [redacted]’s subsequent letters regarding the account ending in [redacted] because her letters requested Resurgent cease contact with her. Additionally, regarding the account ending in [redacted], Resurgent provided the enclosed letter dated June 17, 2015 to [redacted]. The letter includes a bill statement and account summary on file for the account. Resurgent did not respond to [redacted]’s subsequent letters regarding the account ending in [redacted] because her letters requested Resurgent cease contact 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. Additionally, these accounts have been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”). 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 the previous creditors 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)
November 7, 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] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Mr. [redacted] received October 31, 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. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect 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 consumer reporting agencies use for determining 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. Our previous response provided Mr. [redacted] with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If 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.
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.
Please point yourself to two pieces of evidence. This first is [redacted] Bank, the original creditor and there response to a complaint filed with the organization. Second is your response to an earlier complaint. Please read carefully [redacted] Bank's response and how they had ceased mailing statements for the credit card account that form the basis of the erroneous trade line. Why this addressed would have been provided to you at least four and up to seven months prior to you sending that debt validation letter is a very good question. It does not unfortunately change the fact that you did indeed send it to the wrong address and should have been very well aware of this. I have also found copies of several of my prior credit reports that you have listed yourself as the original creditor and also had other glaring inaccuracies such as the wrong date of first delinquency and date of the account opening. Delete this trade line within the next 7 days or I will escalate my efforts to have this removed with regulatory agencies and if needed the courts.
Regards,
[redacted]
January 23, 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] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $826.72 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 15, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 15, 2016. 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 $826.72. Please review the following account information: 1. This account originated on January 29, 2015 with [redacted] Bank, N.A. 2. The last payment in the amount of $25.00 was received on April 8, 2015. 3. This account charged off on December 27, 2015 with a balance of $826.72. 4. No payments have been received on this account since Resurgent started servicing it in January 2016. 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. We are unable to alter the credit reporting of another creditor. Mr. [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in error. 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. The term “open” in Mr. [redacted]’ credit report is not meant to indicate that the account is open or can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demand. Because the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio type. If Mr. [redacted] has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agencies. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. The enclosed letter containing the validation notice was sent to Mr. [redacted] last known address on April 28, 2016. Our records indicate that a lawsuit, Case No. [redacted] was filed in the County Court of [redacted] County, Nebraska and was dismissed without prejudice. Due to the nature of the dismissal, the disposition of the lawsuit does not affect the collectability of the account. Our records indicate that verification of debt was provided to Mr. [redacted] on January 8, 2018 in response to his previous Consumer Financial Protection Bureau inquiry, case number [redacted]. The bill statements, terms and conditions, and an account summary that were provided in our response have been enclosed for your reference. This account has been properly verified as required by the Fair Debt Collection Practices Act. 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)
Please see Resurgent's attached response to the referenced complaint.December 29, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No[redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated December 22, 2015 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. After investigating the account, 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 (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. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint.October 8, 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] LLC 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 5, 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 18, 2008. This account originated on October 1, 1989 with [redacted] and was opened with [redacted], LLC. No payments have been received on this account since Resurgent started servicing it in September 2008. 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 utilizes third party collection agencies to service accounts on its behalf. This account has been placed with various collection agencies since LVNV’s acquisition. [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the account, we 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. 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.
Date Sent: 3/7/2018 12:47:30 PMThe company said it would delete the credit line from my credit report at the end of february. It is currently march and the credit line is still on my credit. report. PLEASE DELETE THIS FROM MY CREDIT REPORT.
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.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]I didnt receive the letter they are claiming was sent in August after I requested verification. Secondly, I havent ever had a [redacted] credit card.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 11, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated August 7, 2015 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. [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. 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 approaching expiration of the legal reporting period for the account, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies during our next reporting cycle. Please allow 30 to 45 days for this update to occur. Additionally, we encourage [redacted] to contact the consumer reporting agencies if he has additional questions regarding credit reporting. Regarding [redacted] concerns about the notice of a negative credit report item, the notice is not required to be sent via certified mail. 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.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] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated August 4, 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] Services, LLC ("[redacted]") on or about September 23, 2011. Please review the following account information: 1. This account originated on August 31, 2004 with [redacted] and was opened with [redacted] 2. This account charged off on July 31, 2006. 3. The last payment in the amount of $3,226.67 was received on July 23, 2015. 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 he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct his dispute or challenge to the source of the information. We have verified this account was satisfied in full on July 23, 2015 for $3,226.67. The status of the account was updated to "Satisfied in Full" on July 27, 2015. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. Additionally, a request to release the judgment was sent to the court on August 10, 2015. Our records indicate the request has been received by the court. Regarding [redacted]’s concerns about the release of judgment filing requirements, [redacted] courts require satisfaction of judgment to be filed within thirty (30) days of payment. Resurgent has met that requirement. Additionally, as part of our investigation, Resurgent reviewed the August 3, 2015 call [redacted] [redacted] references in his inquiry. Resurgent does not condone unprofessional communication with consumers. As such, the issue has been addressed with the representative [redacted] spoke with. We apologize for any inconvenience [redacted] may have experienced. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
As of yet the court still has not receive the request to list the judgment as satisfied. It needs to be done by tomorrow to comply with the law in [redacted]. This is not acceptable.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.December 17, 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] Current Balance: $[redacted] Dear [redacted]: This letter is in response to your correspondence dated December 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], Inc. on or about March 11, 2015. As of the date of this communication, the account balance is $[redacted]. Please review the following account information: 1. This account originated on February 21, 2012 with [redacted], Inc. 2. This account charged off on September 13, 2012 with a balance of $[redacted]. 3. No payments have been received on this account since Resurgent started servicing it in March 2015. 4. Enclosed is an account summary with additional account information. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. 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] indicates he requested proof of the debt on the phone, and now two months later has not received anything in the mail. As part of our investigation, we reviewed the phone call [redacted] placed to Resurgent on October 27, 2015. On the call, [redacted] was advised to submit his dispute and request for proof of debt in writing to Resurgent. As of the date of this letter, the only written communication Resurgent has received from [redacted] is the December 14, 2015 Revdex.com inquiry. **. [redacted]’s December 14, 2015 inquiry 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 creditor 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 25, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [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: $609.93Dear Ms. R[redacted]:This letter is in response to your correspondence received October 19, 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 $609.93. Please review the following account information:1. This account originated on October 20, 2015 with [redacted] Bank, N.A. 2. The last payment in the amount of $80.00 was received on December 16, 2016. 3. This account charged off on December 26, 2016 with a balance of $609.93. 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 electronic dispute that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide 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. Resurgent complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. Our records indicate that the LVNV tradeline for this account is reporting accurately. Furthermore, please be advised that the address shown on Ms. [redacted]’s credit report is our mailing address, which is listed below. Providing our mailing address allows the customer to send any written correspondence directly to our office.Verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was provided to Ms. [redacted] on September 19, 2017 in response to her previous [redacted] Bureau (“[redacted]”) inquiry, case number [redacted]. The bill statements, terms and conditions, and an account summary which were provided with our response are enclosed for reference. This account has been properly verified as required by the FDCPA.Regarding Ms. [redacted]’s claim that Resurgent did not respond to her second [redacted] inquiry, because her second inquiry was a duplicate of her first inquiry, Resurgent responded to the [redacted] advising them that Ms. [redacted]’s second inquiry was a duplicate.Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on September 12, 2017. 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.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] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603If 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)
Please see the attached response.September 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] Previous Creditor: [redacted],...
Inc. Original Creditor: [redacted] (**), [redacted] Current Owner: [redacted] LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,241.23 Dear [redacted] This letter is in response to your correspondence dated September 28, 2015, regarding the above-referenced account. [redacted] LLC ("[redacted]") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. The account was previously sold by [redacted], Inc. on or about September 15, 2006. As of the date of this communication, the account balance is $1,241.23. Please review the following account information: 1. This account originated on February 11, 2002, with [redacted] (**), [redacted] 2. This account charged off on February 28, 2004. 3. The last payment in the amount of $100.00 was received on May 10, 2004. 4. No payments have been received on this account since Resurgent started servicing it in September 2006. 5. Enclosed is an account summary for your review. All ownership rights were transferred to [redacted] 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, [redacted] is not reporting the account to the major consumer reporting agencies. [redacted]’s complaint 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. Res...⇄ contacted the previous creditor to verify any payment arrangements. The previous creditor has confirmed that this account was not satisfied. 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 the previous creditors 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 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 Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated November 19, 2015 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. Regarding [redacted]’ concern that she did not receive Resurgent’s letter dated August 13, 2015, which included verification of the debt, our records indicate the letter was mailed to the same address [redacted] provided in her Revdex.com inquiry dated November 9, 2015. After further review, 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. Currently, LVNV is not reporting the account to the major consumer reporting agencies (also known as “credit bureaus”). 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.
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.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: $315.57 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] on or about January 28, 2014. As of the date of this communication, the account balance is $315.57. Please review the following account information: 1. This account originated on February 19, 2010 with [redacted]. 2. This account charged off on October 30, 2010 with a balance of $224.85. 3. No payments have been received on this account since Resurgent started servicing it in January 2014. 4. An account summary on file for the account is enclosed for reference. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Validation of the debt was previously mailed to [redacted] in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter sent on or about March 10, 2014. We appreciate [redacted] willingness to pay this account and accept her offer to pay in full for $315.57. The balance may be broken into three monthly payments, two payments in the amount of $100.00 and one in the amount of $115.57. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “paid in full.” Based on the account information, the LVNV tradeline will not be deleted. However, a request to update the LVNV tradeline to “account paid in full” will be submitted to the three major consumer reporting agencies. Payments may be mailed to the following address, or [redacted] may contact Customer Service at [redacted] in order to make payments by phone. If mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this account. Resurgent Capital Services L.P. [redacted]
[redacted] If payment is not received by the 15th of each month, starting August 2015, this account may be placed for further collection activity, and this satisfaction 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 satisfaction 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. Enclosures
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. Correspondence regarding the debt was sent to an old address by [redacted] and LVNV Funding/Resurgent Capital. I was not not sent a debt verification letter. All I received was request for payment at my current address after the fact that the debt had already been unfairly reported to my credit bureau reports after which I immediately made payment in good faith. So I am asking Resurgent Capital Services L.P. in good faith to remove the negative trade line from all three credit bureaus and resolving this matter to both of our best interest.
Regards,
[redacted]
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] Original Creditor: [redacted] Current Owner:...
LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $36,218.48 Dear [redacted]: This letter is in response to your correspondence dated April 22, 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]A. on or about March 10, 2011. As of the date of this communication, the account balance is $36,218.48, which includes an interest balance of $13,367.91. However, 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 February 27, 2008, with [redacted] 2. This account charged off on July 30, 2010, with a balance of $22,850.57. 3. The last payment in the amount of $224.00 was received on January 7, 2010. 4. No payments have been received on this account since Resurgent started servicing it in March 2011. 5. Enclosed are bill statements and the electronic credit application 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, 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. 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. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this 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]A. concerning his/her dispute, it may help with our investigation, so please have him/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.Dear [redacted]: This letter is in response to your correspondence dated September 16, 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 3, 2007. Please review the following account information: 1. This account originated on April 2, 2002 with [redacted]), [redacted] and was opened with [redacted]. 2. This account charged off on December 27, 2006 with a balance of $3,020.47. 3. The last payment in the amount of $1,350.00 was received on May 27, 2015. 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 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. This account was satisfied in full on May 27, 2015 for $1,350.00. The status of the account was updated to "Satisfied in Full" on May 27, 2015. The release of judgment process was initiated by Resurgent June 1, 2015. Additionally, our servicer has advised a satisfaction of judgment was filed with the court on September 21, 2015. [redacted] will receive a copy of the satisfaction of judgment by mail. The account is considered resolved in our office. We apologize for any inconvenience. 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 she 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. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely,
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 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 Numbers: [redacted] Dear [redacted] This letter is in response to your correspondence dated August 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 November 29, 2006 with [redacted]. and was opened with [redacted] 2. This account charged off on November 30, 2009 with a balance of $8,419.29. 3. This account was purchased from [redacted]. on April 8, 2011. 4. The last payment in the amount of $240.00 was received on April 17, 2009. 5. No payments have been received on this account since Resurgent started servicing it in April 2011. 6. The current balance of this account is $10,312.59. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted]. 1. This account originated on May 16, 2007 with [redacted]. and was opened with [redacted] 2. This account charged off on July 31, 2009 with a balance of $6,881.26. 3. This account was purchased from [redacted]. on April 8, 2011. 4. The last payment in the amount of $300.00 was received on December 16, 2008. 5. No payments have been received on this account since Resurgent started servicing it in April 2011. 6. The current balance of this account is $8,432.63. 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”). As a courtesy, due to the approaching expiration of the legal credit reporting period for the accounts, a request to delete the LVNV tradeline will be submitted during our next reporting cycle for both accounts. 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. Regarding the account ending in [redacted] our records indicate that a lawsuit was filed in [redacted] County Justice of the [redacted] Court, [redacted] and Case No. [redacted] was dismissed without prejudice. The statute of limitations for seeking legal action has expired; however, the account balance is still collectible. Regarding [redacted]’s claim that Resurgent did not respond to her inquiries, Resurgent provided the enclosed letter dated December 3, 2014 to [redacted]’s attorney, Justin Nichols, who our records indicate represents [redacted] regarding the account ending in [redacted] The letter includes bill statements and an account summary on file for the account. Resurgent did not respond to [redacted]’s subsequent letters regarding the account ending in [redacted] because her letters requested Resurgent cease contact with her. Additionally, regarding the account ending in [redacted], Resurgent provided the enclosed letter dated June 17, 2015 to [redacted]. The letter includes a bill statement and account summary on file for the account. Resurgent did not respond to [redacted]’s subsequent letters regarding the account ending in [redacted] because her letters requested Resurgent cease contact 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. Additionally, these accounts have been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”). 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 the previous creditors 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)
November 7, 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] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Mr. [redacted] received October 31, 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. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect 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 consumer reporting agencies use for determining 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. Our previous response provided Mr. [redacted] with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If 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.
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.
Please point yourself to two pieces of evidence. This first is [redacted] Bank, the original creditor and there response to a complaint filed with the organization. Second is your response to an earlier complaint. Please read carefully [redacted] Bank's response and how they had ceased mailing statements for the credit card account that form the basis of the erroneous trade line. Why this addressed would have been provided to you at least four and up to seven months prior to you sending that debt validation letter is a very good question. It does not unfortunately change the fact that you did indeed send it to the wrong address and should have been very well aware of this. I have also found copies of several of my prior credit reports that you have listed yourself as the original creditor and also had other glaring inaccuracies such as the wrong date of first delinquency and date of the account opening. Delete this trade line within the next 7 days or I will escalate my efforts to have this removed with regulatory agencies and if needed the courts.
Regards,
[redacted]
January 23, 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] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $826.72 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 15, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 15, 2016. 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 $826.72. Please review the following account information: 1. This account originated on January 29, 2015 with [redacted] Bank, N.A. 2. The last payment in the amount of $25.00 was received on April 8, 2015. 3. This account charged off on December 27, 2015 with a balance of $826.72. 4. No payments have been received on this account since Resurgent started servicing it in January 2016. 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. We are unable to alter the credit reporting of another creditor. Mr. [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in error. 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. The term “open” in Mr. [redacted]’ credit report is not meant to indicate that the account is open or can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demand. Because the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio type. If Mr. [redacted] has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agencies. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. The enclosed letter containing the validation notice was sent to Mr. [redacted] last known address on April 28, 2016. Our records indicate that a lawsuit, Case No. [redacted] was filed in the County Court of [redacted] County, Nebraska and was dismissed without prejudice. Due to the nature of the dismissal, the disposition of the lawsuit does not affect the collectability of the account. Our records indicate that verification of debt was provided to Mr. [redacted] on January 8, 2018 in response to his previous Consumer Financial Protection Bureau inquiry, case number [redacted]. The bill statements, terms and conditions, and an account summary that were provided in our response have been enclosed for your reference. This account has been properly verified as required by the Fair Debt Collection Practices Act. 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)
Please see Resurgent's attached response to the referenced complaint.December 29, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No[redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated December 22, 2015 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. After investigating the account, 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 (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. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint.October 8, 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] LLC 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 5, 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 18, 2008. This account originated on October 1, 1989 with [redacted] and was opened with [redacted], LLC. No payments have been received on this account since Resurgent started servicing it in September 2008. 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 utilizes third party collection agencies to service accounts on its behalf. This account has been placed with various collection agencies since LVNV’s acquisition. [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the account, we 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. 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.
Date Sent: 3/7/2018 12:47:30 PMThe company said it would delete the credit line from my credit report at the end of february. It is currently march and the credit line is still on my credit. report. PLEASE DELETE THIS FROM MY CREDIT REPORT.
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.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]I didnt receive the letter they are claiming was sent in August after I requested verification. Secondly, I havent ever had a [redacted] credit card.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 11, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated August 7, 2015 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. [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. 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 approaching expiration of the legal reporting period for the account, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies during our next reporting cycle. Please allow 30 to 45 days for this update to occur. Additionally, we encourage [redacted] to contact the consumer reporting agencies if he has additional questions regarding credit reporting. Regarding [redacted] concerns about the notice of a negative credit report item, the notice is not required to be sent via certified mail. 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.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] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated August 4, 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] Services, LLC ("[redacted]") on or about September 23, 2011. Please review the following account information: 1. This account originated on August 31, 2004 with [redacted] and was opened with [redacted] 2. This account charged off on July 31, 2006. 3. The last payment in the amount of $3,226.67 was received on July 23, 2015. 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 he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct his dispute or challenge to the source of the information. We have verified this account was satisfied in full on July 23, 2015 for $3,226.67. The status of the account was updated to "Satisfied in Full" on July 27, 2015. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. Additionally, a request to release the judgment was sent to the court on August 10, 2015. Our records indicate the request has been received by the court. Regarding [redacted]’s concerns about the release of judgment filing requirements, [redacted] courts require satisfaction of judgment to be filed within thirty (30) days of payment. Resurgent has met that requirement. Additionally, as part of our investigation, Resurgent reviewed the August 3, 2015 call [redacted] [redacted] references in his inquiry. Resurgent does not condone unprofessional communication with consumers. As such, the issue has been addressed with the representative [redacted] spoke with. We apologize for any inconvenience [redacted] may have experienced. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
As of yet the court still has not receive the request to list the judgment as satisfied. It needs to be done by tomorrow to comply with the law in [redacted]. This is not acceptable.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.December 17, 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] Current Balance: $[redacted] Dear [redacted]: This letter is in response to your correspondence dated December 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], Inc. on or about March 11, 2015. As of the date of this communication, the account balance is $[redacted]. Please review the following account information: 1. This account originated on February 21, 2012 with [redacted], Inc. 2. This account charged off on September 13, 2012 with a balance of $[redacted]. 3. No payments have been received on this account since Resurgent started servicing it in March 2015. 4. Enclosed is an account summary with additional account information. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. 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] indicates he requested proof of the debt on the phone, and now two months later has not received anything in the mail. As part of our investigation, we reviewed the phone call [redacted] placed to Resurgent on October 27, 2015. On the call, [redacted] was advised to submit his dispute and request for proof of debt in writing to Resurgent. As of the date of this letter, the only written communication Resurgent has received from [redacted] is the December 14, 2015 Revdex.com inquiry. **. [redacted]’s December 14, 2015 inquiry 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 creditor 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 25, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [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: $609.93Dear Ms. R[redacted]:This letter is in response to your correspondence received October 19, 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 $609.93. Please review the following account information:1. This account originated on October 20, 2015 with [redacted] Bank, N.A. 2. The last payment in the amount of $80.00 was received on December 16, 2016. 3. This account charged off on December 26, 2016 with a balance of $609.93. 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 electronic dispute that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide 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. Resurgent complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. Our records indicate that the LVNV tradeline for this account is reporting accurately. Furthermore, please be advised that the address shown on Ms. [redacted]’s credit report is our mailing address, which is listed below. Providing our mailing address allows the customer to send any written correspondence directly to our office.Verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was provided to Ms. [redacted] on September 19, 2017 in response to her previous [redacted] Bureau (“[redacted]”) inquiry, case number [redacted]. The bill statements, terms and conditions, and an account summary which were provided with our response are enclosed for reference. This account has been properly verified as required by the FDCPA.Regarding Ms. [redacted]’s claim that Resurgent did not respond to her second [redacted] inquiry, because her second inquiry was a duplicate of her first inquiry, Resurgent responded to the [redacted] advising them that Ms. [redacted]’s second inquiry was a duplicate.Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on September 12, 2017. 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.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] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603If 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)
Please see the attached response.September 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] Previous Creditor: [redacted],...
Inc. Original Creditor: [redacted] (**), [redacted] Current Owner: [redacted] LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,241.23 Dear [redacted] This letter is in response to your correspondence dated September 28, 2015, regarding the above-referenced account. [redacted] LLC ("[redacted]") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. The account was previously sold by [redacted], Inc. on or about September 15, 2006. As of the date of this communication, the account balance is $1,241.23. Please review the following account information: 1. This account originated on February 11, 2002, with [redacted] (**), [redacted] 2. This account charged off on February 28, 2004. 3. The last payment in the amount of $100.00 was received on May 10, 2004. 4. No payments have been received on this account since Resurgent started servicing it in September 2006. 5. Enclosed is an account summary for your review. All ownership rights were transferred to [redacted] 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, [redacted] is not reporting the account to the major consumer reporting agencies. [redacted]’s complaint 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. Res...⇄ contacted the previous creditor to verify any payment arrangements. The previous creditor has confirmed that this account was not satisfied. 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 the previous creditors 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 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 Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated November 19, 2015 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. Regarding [redacted]’ concern that she did not receive Resurgent’s letter dated August 13, 2015, which included verification of the debt, our records indicate the letter was mailed to the same address [redacted] provided in her Revdex.com inquiry dated November 9, 2015. After further review, 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. Currently, LVNV is not reporting the account to the major consumer reporting agencies (also known as “credit bureaus”). 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.
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.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: $315.57 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] on or about January 28, 2014. As of the date of this communication, the account balance is $315.57. Please review the following account information: 1. This account originated on February 19, 2010 with [redacted]. 2. This account charged off on October 30, 2010 with a balance of $224.85. 3. No payments have been received on this account since Resurgent started servicing it in January 2014. 4. An account summary on file for the account is enclosed for reference. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Validation of the debt was previously mailed to [redacted] in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter sent on or about March 10, 2014. We appreciate [redacted] willingness to pay this account and accept her offer to pay in full for $315.57. The balance may be broken into three monthly payments, two payments in the amount of $100.00 and one in the amount of $115.57. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “paid in full.” Based on the account information, the LVNV tradeline will not be deleted. However, a request to update the LVNV tradeline to “account paid in full” will be submitted to the three major consumer reporting agencies. Payments may be mailed to the following address, or [redacted] may contact Customer Service at [redacted] in order to make payments by phone. If mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this account. Resurgent Capital Services L.P. [redacted]
[redacted] If payment is not received by the 15th of each month, starting August 2015, this account may be placed for further collection activity, and this satisfaction 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 satisfaction 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. Enclosures
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. Correspondence regarding the debt was sent to an old address by [redacted] and LVNV Funding/Resurgent Capital. I was not not sent a debt verification letter. All I received was request for payment at my current address after the fact that the debt had already been unfairly reported to my credit bureau reports after which I immediately made payment in good faith. So I am asking Resurgent Capital Services L.P. in good faith to remove the negative trade line from all three credit bureaus and resolving this matter to both of our best interest.
Regards,
[redacted]
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] Original Creditor: [redacted] Current Owner:...
LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $36,218.48 Dear [redacted]: This letter is in response to your correspondence dated April 22, 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]A. on or about March 10, 2011. As of the date of this communication, the account balance is $36,218.48, which includes an interest balance of $13,367.91. However, 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 February 27, 2008, with [redacted] 2. This account charged off on July 30, 2010, with a balance of $22,850.57. 3. The last payment in the amount of $224.00 was received on January 7, 2010. 4. No payments have been received on this account since Resurgent started servicing it in March 2011. 5. Enclosed are bill statements and the electronic credit application 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, 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. 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. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this 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]A. concerning his/her dispute, it may help with our investigation, so please have him/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)