Please see the attached response.May 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] Original Creditor: [redacted]...
(formerly known as “[redacted]”) Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $6,505.15 Dear [redacted] This letter is in response to your correspondence dated May 6, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about June 7, 2013. As of the date of this communication, the account balance is $6,505.15. Please review the following account information: 1. This account originated on February 16, 2009, with [redacted] 2. This account charged off on October 26, 2009, with a balance of $2,686.56. 3. No payments have been received on this account since Resurgent started servicing it in June 2013. 4. Enclosed for your review are the Loan Agreement and Disclosure Statement, Itemization of Amount Financed, Arbitration Agreement and Waiver of Jury Trial and Application for Loan. 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. Additionally, we are unable to alter the credit bureau reporting of another creditor. [redacted] should contact the respective consumer reporting agencies regarding information she believes is being reported in error. 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. The validation notice was mailed to you on June 20, 2014. Resurgent did not provide verification of debt in response to your October 21, 2014, request due to the fact that your letter requested that we cease contact with you. Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent. Enclosed are copies of these letters for your review. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] 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 13, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,244.51 Dear [redacted]: This letter is in response to your correspondence dated November 9, 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 December 29, 2006. As of the date of this communication, the account balance is $1,244.51. Please review the following account information: 1. This account originated on August 22, 2004 with [redacted] and was opened with [redacted] 2. This account charged off on March 21, 2006 with a balance of $200.91. 3. The last payment was received on August 3, 2005. 4. No payments have been received on this account since Resurgent started servicing it in December 2006. 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. The “Date of First Delinquency” marks the beginning of the time period for which negative information may remain on a credit bureau report. For a charged-off account, the Date of First Delinquency is the first date of the delinquency that led to the charge-off as determined by the original creditor, but is not necessarily the first time the account was delinquent. This date is reported in accordance with the requirements of the Fair Credit Reporting Act (“FCRA”). The Date of First Delinquency for this account is September 21, 2005. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted]’ responsibility for the balance due on this account. In her inquiry [redacted] claims Resurgent did not provide verification of the debt as requested by [redacted]. Enclosed is a letter dated August 13, 2015 Resurgent mailed [redacted] which included verification of the debt. This account has been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”). [redacted]’ November 9, 2015 inquiry 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...⇄ 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)
I have sent LVNV Funding L.L.C. multiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amount. The only thing LVNV Funding has sent me in the past twelve months is an itemized document without providing any proof, bearing my signature. As per FTC opinion letter from Attorney John [redacted], you should be aware that a printout of a bill or itemized document does not constitute verification. I have never done business with LVNV Funding LLC, never signed a contract, nor do I owe them any money. LVNV Funding has not complied with FCRA 623(a)(3), or section 603(p), and has not complied with the Fair Debt Collection Practices Act Section 807(8) by not placing the disclosure within the required 30 day period.
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. [redacted] Thank you for your prompt attention in this matter, however, after reviewing the response from Resurgent Capital Services, LLC, I do not consider this matter resolved. As I stated in my initial complaint, I have had no interaction, nor did I enter into any legal contract with Resurgent Capital Services, LLC; nor LVNV Funding, LLC. In the response from Resurgence, a letter is referenced dated September 17, 2009. As I stated previously, I never received any correspondence from this company. I’m sure an urgent financial matter such as this would have been sent via certified mail with return receipt requested. I would like to see where I signed for such a delivery.Also, this company, or companies (as it is difficult to determine exactly who is being dealt with) has listed themselves on my credit file as a Factoring Company. After reviewing the FDCPA, it is my understanding that Factoring Companies cannot legally purchase accounts that are seriously delinquent in nature or charged off, which is the case for the account that Resurgence/ LVNV purchased. In addition, they are listing “Factoring Company” as the Type of Loan on my credit file, and have been doing so for some time. Another error being reported on my credit file by this company is the Type of Account being listed as open. They address this in their response with the following: “The term “open” in [redacted] credit report does not literally mean that the account is open or can be used.” When resurgence purchased this account from the original creditor, the account was charged-off and therefore closed. When entering into any legally binding contract, there should be no terms that can be taken as anything less than literally. Every term needs to be spelled out in the utmost literal sense of the matter. If the account is closed, which it is, it needs to be accurately reflected that way on my credit file. Every piece of information that is listed on my credit report needs to be “literally” true, and I’m quite sure the credit bureaus would concur.I feel that Resurgent Capital Services, LLC; LVNV Funding, LLC; and any other entity that they operate under or do business as has been violating certain laws under the FDCPA and FCRA. I will not consider this matter resolved until all tradelines reported to the three major credit bureaus by these entities have been removed from my credit file, otherwise, I will be forced to seek legal counsel in regards to this matter.Best Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
First of all, and per the representative at [redacted] , a settlement of $237.00 was going to be mailed to my...
residence within 4 business days. And a promise to delete from the bureaus. According to Resurgent(one of the many servicers of LVNV) they don't believe in payment for deletion. If that's the case, why the rep of [redacted] lied and said they will delete once the payment is received, or that was a bait to collect money.I really like to work something out and settle this. LVNV has no right to tarnish my credit bureaus.
Regards,
[redacted]
Please see the attached response.September 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]...
[redacted]: This letter is in response to your correspondence dated September 8, 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]
[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]
LVNV Funding has been breaking FCRA laws and the Debt Collection Act for over a year on the account there reporting against me. If LVNV Funding can't provide verification with my signature on a document showing I am legally obligated to pay LVNV Funding then they must delete all accounts from all three credit bureaus.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 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] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $559.85 Dear [redacted] This letter is in response to your correspondence dated June 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 September 23, 2011. As of the date of this communication, the account balance is $559.85. Please review the following account information: 1. This account originated on January 20, 2004 with [redacted]. 2. This account charged off on June 6, 2004. 3. The last payment in the amount of $30.00 was received on March 25, 2004. 4. No payments have been received on this account since Resurgent started servicing it in September 2011. 5. An account summary on file for this account is enclosed for your 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, LVNV is not reporting the account to the major consumer reporting agencies. [redacted] June 2, 2015 complaint contains language Resurgent has interpreted to mean that we cease communication with him/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. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. 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...⇄ 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] and/or [redacted] 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)
January 31, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by [redacted] dated January 26, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. The consumer reporting agencies’ reporting guidelines define a “factoring company” as a company or individual who purchases accounts with the intent of collecting debts owed. Therefore, the term is accurate in this situation and the account is being reported correctly according to that definition. [redacted] Bank, N.A. charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. In accordance with the Fair Debt Collection Act, the letter containing the validation notice was mailed to Mr. [redacted]’ last known address, which was provided by [redacted], LLC upon LVNV’s acquisition of the account. Based on information contained in our account records, the tradeline for this account should not be deleted; however, it is being reported as disputed to the three major consumer reporting agencies. It will continue to report as such for the remaining reporting period unless new facts require a change. 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 find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.October 13, 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] Current Balance: $[redacted] Dear [redacted]: This letter is in response to your correspondence dated October 7, 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 June 9, 2015. As of the date of this communication, the account balance is $[redacted]. Please review the following account information: 1. This account originated on September 3, 2014 with [redacted] 2. This account charged off on May 10, 2015 with a balance of $562.17. 3. No payments have been received on this account since Resurgent started servicing it in June 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, 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. Resurgent utilizes third party collection agencies to service accounts on its behalf. This account has been placed with various collection agencies since LVNV’s acquisition. Any notification requirements for this account would have been met by these collection agencies. [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience. Enclosed please find the terms and conditions and bill statements on file for this account. Please note that bill statements are included for an account number ending in [redacted] in addition to account number ending in [redacted] due to a balance transfer that took place September 15, 2014. It appears that the account number ending in [redacted] was acknowledged as lost or stolen by [redacted] beginning with the September 14, 2014 bill statement. Account number ending in [redacted] later charged off on December 5, 2014 following the balance transfer to Account ending in [redacted]. Bill statements for the account number ending in [redacted] show several purchases and security adjustments on the first bill statement, dated October 8, 2014. The balance due on the account number ending in [redacted] after the security adjustments, $[redacted] continued to accrue interest and late fees until the account charged off May 10, 2015. 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 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/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. 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.
This is an unacceptable response due to the fact that I have been waiting for this result since May. From past experience I know it has taken 24-48 hours to get a copy of the warrant from other companies. There is absolutely no reason that after waiting 4 months, I still don't have theirs. I've called several times every month since May and always get a runaround. I need this judgment satisfaction immediately, I want it emailed, faxed , or overnighted to me (or I want all of the above). This is a time sensitive matter and it has been WAY TOO LONG.
Regards,
[redacted]
Please see Resurgent's attached response to the complaint.May 27, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor:...
[redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $3,149.00 Dear [redacted]: This letter is in response to your correspondence dated May 19, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("[redacted]") on or about May 20, 2014. As of the date of this communication, the account balance is $3,149.00. Please review the following account information: 1. This account originated on September 11, 2008 with [redacted]. 2. The last payment in the amount of $100.00 was received on April 24, 2015. 3. Total payments in the amount of $850.00 have been received since Resurgent started servicing the account in May 2014. Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, Resurgent determined [redacted] was offered a settlement of $2,204.30 in three payments by mistake as Resurgent policy is to not offer settlements on this particular type of account. When the collector realized the mistake, the collector advised [redacted] a settlement should not have been offered. As the mistake was in no way the fault of [redacted], Resurgent agrees that the settlement offer should be honored. Resurgent called [redacted] Friday, May 22, 2015, and agreed to settle the account for $1,800.00 to be paid in one lump sum payment due June 10, 2015. Resurgent also mailed [redacted] confirmation of the settlement agreement. 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 as well as any relevant documents.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] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,320.23 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] ([redacted]") on or about September 25, 2012. As of the date of this communication, the account balance is $1,320.23. Please review the following account information: 1. This account originated on July 25, 2001 with [redacted] 2. This account charged off on October 14, 2002 with a balance of $675.66. 3. The last payment was received on February 1, 2002. 4. No payments have been received on this account since Resurgent started servicing it in September 2012. 5. Enclosed is an account summary for [redacted]’s 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. Receipt of this complaint is the first written communication that Resurgent has received from [redacted] regarding the above-referenced account. [redacted] contacted Resurgent by telephone on April 9, 2015 and notified Resurgent of his dispute regarding the account. Resurgent asked [redacted] to submit his dispute in writing, and to include either a copy of a police/incident report or completed identity theft affidavit. To date, Resurgent has not received the written dispute or requested documentation. In compliance with the Fair Debt Collection Practices Act (“FDCPA”), Resurgent mailed [redacted] a letter dated April 9, 2015 which contained the validation notice. Enclosed is a copy of the letter for your review. 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. Please find enclosed a blank identity theft affidavit for [redacted] to complete. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]. Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosures
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.September 14, 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 September 9, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted], LLC on or about September 23, 2011. Please review the following account information: 1. This account originated on October 11, 2006 with [redacted] 2. This account charged off on January 31, 2009. 3. The last payment in the amount of $35.00 was received on May 23, 2008. 4. No payments have been received on this account since Resurgent started servicing it in September 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”). 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 July 1, 2008. Currently, LVNV is not reporting the account to the major consumer reporting agencies, and stopped reporting due to the expiration of the legal reporting period on or around April 2015. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, expiration of the statute of limitations does not invalidate the obligation or [redacted]s responsibility for this account. 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. [redacted] [redacted] should not be contacted by Resurgent or any affiliate companies regarding this 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.
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.May 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] Original Creditor: [redacted]...
(formerly known as “[redacted]”) Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $6,505.15 Dear [redacted] This letter is in response to your correspondence dated May 6, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about June 7, 2013. As of the date of this communication, the account balance is $6,505.15. Please review the following account information: 1. This account originated on February 16, 2009, with [redacted] 2. This account charged off on October 26, 2009, with a balance of $2,686.56. 3. No payments have been received on this account since Resurgent started servicing it in June 2013. 4. Enclosed for your review are the Loan Agreement and Disclosure Statement, Itemization of Amount Financed, Arbitration Agreement and Waiver of Jury Trial and Application for Loan. 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. Additionally, we are unable to alter the credit bureau reporting of another creditor. [redacted] should contact the respective consumer reporting agencies regarding information she believes is being reported in error. 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. The validation notice was mailed to you on June 20, 2014. Resurgent did not provide verification of debt in response to your October 21, 2014, request due to the fact that your letter requested that we cease contact with you. Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent. Enclosed are copies of these letters for your review. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] 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 13, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,244.51 Dear [redacted]: This letter is in response to your correspondence dated November 9, 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 December 29, 2006. As of the date of this communication, the account balance is $1,244.51. Please review the following account information: 1. This account originated on August 22, 2004 with [redacted] and was opened with [redacted] 2. This account charged off on March 21, 2006 with a balance of $200.91. 3. The last payment was received on August 3, 2005. 4. No payments have been received on this account since Resurgent started servicing it in December 2006. 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. The “Date of First Delinquency” marks the beginning of the time period for which negative information may remain on a credit bureau report. For a charged-off account, the Date of First Delinquency is the first date of the delinquency that led to the charge-off as determined by the original creditor, but is not necessarily the first time the account was delinquent. This date is reported in accordance with the requirements of the Fair Credit Reporting Act (“FCRA”). The Date of First Delinquency for this account is September 21, 2005. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted]’ responsibility for the balance due on this account. In her inquiry [redacted] claims Resurgent did not provide verification of the debt as requested by [redacted]. Enclosed is a letter dated August 13, 2015 Resurgent mailed [redacted] which included verification of the debt. This account has been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”). [redacted]’ November 9, 2015 inquiry 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...⇄ 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)
I have sent LVNV Funding L.L.C. multiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amount. The only thing LVNV Funding has sent me in the past twelve months is an itemized document without providing any proof, bearing my signature. As per FTC opinion letter from Attorney John [redacted], you should be aware that a printout of a bill or itemized document does not constitute verification. I have never done business with LVNV Funding LLC, never signed a contract, nor do I owe them any money. LVNV Funding has not complied with FCRA 623(a)(3), or section 603(p), and has not complied with the Fair Debt Collection Practices Act Section 807(8) by not placing the disclosure within the required 30 day period.
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. [redacted] Thank you for your prompt attention in this matter, however, after reviewing the response from Resurgent Capital Services, LLC, I do not consider this matter resolved. As I stated in my initial complaint, I have had no interaction, nor did I enter into any legal contract with Resurgent Capital Services, LLC; nor LVNV Funding, LLC. In the response from Resurgence, a letter is referenced dated September 17, 2009. As I stated previously, I never received any correspondence from this company. I’m sure an urgent financial matter such as this would have been sent via certified mail with return receipt requested. I would like to see where I signed for such a delivery.Also, this company, or companies (as it is difficult to determine exactly who is being dealt with) has listed themselves on my credit file as a Factoring Company. After reviewing the FDCPA, it is my understanding that Factoring Companies cannot legally purchase accounts that are seriously delinquent in nature or charged off, which is the case for the account that Resurgence/ LVNV purchased. In addition, they are listing “Factoring Company” as the Type of Loan on my credit file, and have been doing so for some time. Another error being reported on my credit file by this company is the Type of Account being listed as open. They address this in their response with the following: “The term “open” in [redacted] credit report does not literally mean that the account is open or can be used.” When resurgence purchased this account from the original creditor, the account was charged-off and therefore closed. When entering into any legally binding contract, there should be no terms that can be taken as anything less than literally. Every term needs to be spelled out in the utmost literal sense of the matter. If the account is closed, which it is, it needs to be accurately reflected that way on my credit file. Every piece of information that is listed on my credit report needs to be “literally” true, and I’m quite sure the credit bureaus would concur.I feel that Resurgent Capital Services, LLC; LVNV Funding, LLC; and any other entity that they operate under or do business as has been violating certain laws under the FDCPA and FCRA. I will not consider this matter resolved until all tradelines reported to the three major credit bureaus by these entities have been removed from my credit file, otherwise, I will be forced to seek legal counsel in regards to this matter.Best Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
First of all, and per the representative at [redacted] , a settlement of $237.00 was going to be mailed to my...
residence within 4 business days. And a promise to delete from the bureaus. According to Resurgent(one of the many servicers of LVNV) they don't believe in payment for deletion. If that's the case, why the rep of [redacted] lied and said they will delete once the payment is received, or that was a bait to collect money.I really like to work something out and settle this. LVNV has no right to tarnish my credit bureaus.
Regards,
[redacted]
Please see the attached response.September 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]...
[redacted]: This letter is in response to your correspondence dated September 8, 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]
[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]
LVNV Funding has been breaking FCRA laws and the Debt Collection Act for over a year on the account there reporting against me. If LVNV Funding can't provide verification with my signature on a document showing I am legally obligated to pay LVNV Funding then they must delete all accounts from all three credit bureaus.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.June 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] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $559.85 Dear [redacted] This letter is in response to your correspondence dated June 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 September 23, 2011. As of the date of this communication, the account balance is $559.85. Please review the following account information: 1. This account originated on January 20, 2004 with [redacted]. 2. This account charged off on June 6, 2004. 3. The last payment in the amount of $30.00 was received on March 25, 2004. 4. No payments have been received on this account since Resurgent started servicing it in September 2011. 5. An account summary on file for this account is enclosed for your 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, LVNV is not reporting the account to the major consumer reporting agencies. [redacted] June 2, 2015 complaint contains language Resurgent has interpreted to mean that we cease communication with him/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. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. 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...⇄ 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] and/or [redacted] 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)
January 31, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by [redacted] dated January 26, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. The consumer reporting agencies’ reporting guidelines define a “factoring company” as a company or individual who purchases accounts with the intent of collecting debts owed. Therefore, the term is accurate in this situation and the account is being reported correctly according to that definition. [redacted] Bank, N.A. charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. In accordance with the Fair Debt Collection Act, the letter containing the validation notice was mailed to Mr. [redacted]’ last known address, which was provided by [redacted], LLC upon LVNV’s acquisition of the account. Based on information contained in our account records, the tradeline for this account should not be deleted; however, it is being reported as disputed to the three major consumer reporting agencies. It will continue to report as such for the remaining reporting period unless new facts require a change. 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 find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.October 13, 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] Current Balance: $[redacted] Dear [redacted]: This letter is in response to your correspondence dated October 7, 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 June 9, 2015. As of the date of this communication, the account balance is $[redacted]. Please review the following account information: 1. This account originated on September 3, 2014 with [redacted] 2. This account charged off on May 10, 2015 with a balance of $562.17. 3. No payments have been received on this account since Resurgent started servicing it in June 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, 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. Resurgent utilizes third party collection agencies to service accounts on its behalf. This account has been placed with various collection agencies since LVNV’s acquisition. Any notification requirements for this account would have been met by these collection agencies. [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience. Enclosed please find the terms and conditions and bill statements on file for this account. Please note that bill statements are included for an account number ending in [redacted] in addition to account number ending in [redacted] due to a balance transfer that took place September 15, 2014. It appears that the account number ending in [redacted] was acknowledged as lost or stolen by [redacted] beginning with the September 14, 2014 bill statement. Account number ending in [redacted] later charged off on December 5, 2014 following the balance transfer to Account ending in [redacted]. Bill statements for the account number ending in [redacted] show several purchases and security adjustments on the first bill statement, dated October 8, 2014. The balance due on the account number ending in [redacted] after the security adjustments, $[redacted] continued to accrue interest and late fees until the account charged off May 10, 2015. 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 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/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. 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.
This is an unacceptable response due to the fact that I have been waiting for this result since May. From past experience I know it has taken 24-48 hours to get a copy of the warrant from other companies. There is absolutely no reason that after waiting 4 months, I still don't have theirs. I've called several times every month since May and always get a runaround. I need this judgment satisfaction immediately, I want it emailed, faxed , or overnighted to me (or I want all of the above). This is a time sensitive matter and it has been WAY TOO LONG.
Regards,
[redacted]
Please see Resurgent's attached response to the complaint.May 27, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor:...
[redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $3,149.00 Dear [redacted]: This letter is in response to your correspondence dated May 19, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("[redacted]") on or about May 20, 2014. As of the date of this communication, the account balance is $3,149.00. Please review the following account information: 1. This account originated on September 11, 2008 with [redacted]. 2. The last payment in the amount of $100.00 was received on April 24, 2015. 3. Total payments in the amount of $850.00 have been received since Resurgent started servicing the account in May 2014. Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, Resurgent determined [redacted] was offered a settlement of $2,204.30 in three payments by mistake as Resurgent policy is to not offer settlements on this particular type of account. When the collector realized the mistake, the collector advised [redacted] a settlement should not have been offered. As the mistake was in no way the fault of [redacted], Resurgent agrees that the settlement offer should be honored. Resurgent called [redacted] Friday, May 22, 2015, and agreed to settle the account for $1,800.00 to be paid in one lump sum payment due June 10, 2015. Resurgent also mailed [redacted] confirmation of the settlement agreement. 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 as well as any relevant documents.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] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,320.23 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] ([redacted]") on or about September 25, 2012. As of the date of this communication, the account balance is $1,320.23. Please review the following account information: 1. This account originated on July 25, 2001 with [redacted] 2. This account charged off on October 14, 2002 with a balance of $675.66. 3. The last payment was received on February 1, 2002. 4. No payments have been received on this account since Resurgent started servicing it in September 2012. 5. Enclosed is an account summary for [redacted]’s 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. Receipt of this complaint is the first written communication that Resurgent has received from [redacted] regarding the above-referenced account. [redacted] contacted Resurgent by telephone on April 9, 2015 and notified Resurgent of his dispute regarding the account. Resurgent asked [redacted] to submit his dispute in writing, and to include either a copy of a police/incident report or completed identity theft affidavit. To date, Resurgent has not received the written dispute or requested documentation. In compliance with the Fair Debt Collection Practices Act (“FDCPA”), Resurgent mailed [redacted] a letter dated April 9, 2015 which contained the validation notice. Enclosed is a copy of the letter for your review. 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. Please find enclosed a blank identity theft affidavit for [redacted] to complete. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]. Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosures
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.September 14, 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 September 9, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted], LLC on or about September 23, 2011. Please review the following account information: 1. This account originated on October 11, 2006 with [redacted] 2. This account charged off on January 31, 2009. 3. The last payment in the amount of $35.00 was received on May 23, 2008. 4. No payments have been received on this account since Resurgent started servicing it in September 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”). 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 July 1, 2008. Currently, LVNV is not reporting the account to the major consumer reporting agencies, and stopped reporting due to the expiration of the legal reporting period on or around April 2015. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, expiration of the statute of limitations does not invalidate the obligation or [redacted]s responsibility for this account. 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. [redacted] [redacted] should not be contacted by Resurgent or any affiliate companies regarding this 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.
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]