We
are unable to locate an account under the name of [redacted]. Please provide a
copy of the original complaint, as well as any information (account number or
social security number) that would help us to locate the account and address
your concerns.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Corporation & [redacted] I Original Creditor: [redacted] Current Owner: [redacted] LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $6,354.39 Dear Ms. [redacted]: This...
letter is in response to your correspondence dated February 2, 2017 regarding the above-referenced account. [redacted] LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on November 24, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. As of the date of this communication, the account balance is $6,354.39. Please review the following account information: 1. This account originated on August 1, 2014 [redacted]. 2. The last payment in the amount of $247.46 was received on May 6, 2015. 3. This account charged off on October 15, 2015 with a balance of $6,354.39. 4. No payments have been received on this account since Resurgent started servicing it in November 2015. All ownership rights in this account were transferred to [redacted] when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of [redacted]. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the [redacted] 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. Ms. [redacted] states that Resurgent failed to provide her with validation of the debt, and that we did not respond to her requests within a timely manner. Please note that the Fair Debt Collection Practices Act (“FDCPA”) does not contain any rule requiring that such responses be provided within a specific timeframe. Ms. [redacted] was provided with validation of debt on March 11, 2016 and June 6, 2016. Enclosed please find our most recent letter dated June 6, 2016. This account has been properly verified as required by the FDCPA. If, after reviewing the above-referenced information, Ms. [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. If Ms. [redacted] believes that this account was previously paid or satisfied in full, 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, please forward it to: Compliance Department or Fax: [redacted] Attn: Compliance P.O. Box [redacted], SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 4, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] 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 May 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], Inc. ("[redacted]") on or about November 7, 2012. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV is not reporting, and has never reported, the account to the major consumer reporting agencies. The original creditor may continue to report the history of this account from the origination date to the time of sale. 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. If [redacted] has a copy of her credit report indicating LVNV is reporting the account, please have her provide us a copy of the credit report so we may further investigate the matter. We have verified this account was settled in full on April 21, 2014 for $36.45. The status of the account was updated to "Settled in Full" on April 22, 2014. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. 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 3, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted]. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,275.77 Dear [redacted] Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concerns. We respectfully disagree with [redacted] statements regarding our company’s practices. [redacted]
[redacted] This letter is in response to your correspondence dated July 27, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about September 15, 2009. As of the date of this communication, the account balance is $1,275.77. Please review the following account information: 1. This account originated on October 8, 2008 with [redacted]. 2. This account charged off on August 14, 2009 with a balance of $704.56. 3. The last payment in the amount of $35.00 was received on January 9, 2009. 4. No payments have been received on this account since Resurgent started servicing it in September 2009. 5. Enclosed are bill statements and an account summary for [redacted] review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. 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. Additionally enclosed is a copy of the letter dated September 17, 2009 mailed to [redacted] advising a negative credit report may be submitted to the credit reporting agencies if the account was not paid. 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 February 13, 2009. A request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies on or around November 2015. The consumer reporting agencies’ reporting guidelines have defined a “factoring company” as a company or individual who purchases accounts with the intent of collecting debts owed. Therefore, the term is accurate in this situation and the account is reported correctly. The term “open” in [redacted] credit report does not literally mean that the account is open or can be used. That information is one of the data reporting requirements set by the consumer reporting agencies and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon demand. This is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and due. If [redacted] has additional questions related to the credit bureau reporting, then he will need to contact the respective consumer reporting agencies. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [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]
[redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
As stated in my initial complaint the initial notice of debt was sent to an address I did not reside at and was...
never provided to either the initial creditor nor lvnv. I have no signed contract with resurgent capital or lvnv. You have listed yourself as a factoring company and failed to meet FCRA requirements. The original creditor listed on the alleged debt has ceased credit reporting and if you do not follow suit and delete the trade line I will file complaints with regulatory agencies and take other steps up to and including legal action.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 21, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $3,952.49 Dear [redacted] This letter is in response to your correspondence dated April 13, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about January 28, 2014. As of the date of this communication, the account balance is $3,952.49. Please review the following account information: 1. This account originated on August 17, 2007 with [redacted] and was opened with [redacted] 2. This account charged off on August 31, 2009 with a balance of $2,318.94. 3. No payments have been received on this account since Resurgent started servicing it in January 2014. 4. Please see the enclosed 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, 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. 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], [redacted] Co. Inc. 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
November 17, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank (USA), N.A. Original Creditor: [redacted] Bank...
(USA), N.A. Current Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $445.38 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 13, 2017 regarding the above-referenced account. CACH, LLC ("CACH") owns the account number ending in [redacted], having acquired it on March 17, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH and began servicing it on or about June 15, 2017. As of the date of this communication, the account balance is $445.38. Please review the following account information: 1. This account originated on August 24, 2009 with [redacted] Bank (USA), N.A. (“[redacted]”). 2. The last payment was received on September 25, 2013. 3. This account charged off on April 29, 2014 with a balance of $445.38. 4. No payments have been received on this account since CACH acquired it in March 2015. CACH acquired all ownership rights in this account upon CACH’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 CACH. Please be advised that the permissible reporting period for this account has not expired. In accordance with the Fair Credit Reporting Act, the CACH tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 24, 2013. A request to delete the CACH tradeline will be submitted to the consumer reporting agencies in August 2020. We did receive Mr. [redacted]’s correspondence of September 20, 2017. Although Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframe. The FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customer. Resurgent did stop collection efforts once we received Mr. [redacted]’s request. Please be advised that this letter shall serve as our formal response to Mr. [redacted]’s previous correspondence. If Mr. [redacted] would like to discuss payment arrangements, he may contact Customer Service at the number below. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. All accounts that are eligible for reporting are reported accurately to the three major consumer reporting agencies. If Mr. [redacted] were to pay the account, the CACH tradeline would be updated to reflect that this account has been paid. We are providing the enclosed bill statement and an account summary as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. 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)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted]The address does not match , the SSN Does not match , & I already have [redacted] service...
now for 6 years so how is this my account if nothing matches this account must be removed immediately from credit report.
Please see Resurgent's attached response to the referenced complaint.June 22, 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]. (formerly known as “[redacted]”) Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated June 15, 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 June 7, 2013. Please review the following account information: 1. This account originated on January 6, 2011 with [redacted] 2. This account charged off on November 30, 2011 with a balance of $808.74. 3. The last payment in the amount of $348.32 was received on April 29, 2015. 4. No payments have been received on this account since Resurgent started servicing it in June 2013. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting agencies. A judgment was obtained January 25, 2012 in Magistrate Court, [redacted] County[redacted] ** with case number [redacted]. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that he/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. We have verified this account was paid in full for less than the full balance on April 29, 2015 for $348.32. The status of the account was updated to “Satisfied in Full” on April 29, 2015. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. A request to release the judgment has been submitted to our servicing law firm and should be filed with the court no later than June 29, 2015. 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. This response does not resolve my dispute. I am asking for very specific documentation from Resurgent Capital Services...
representing LVNV Funding LLC. They claim that they have ownership rights to an account and that I have a contractual obligation to pay them $2,241.65. I have never done any business with Resurgent Capital or LVNV Funding. They have never extended me any credit nor have I purchased any products or services from them. In order to resolve this dispute I am requesting the following:1) A signed contract between myself and LVNV Funding or Resurgent Capital Services or any other type of agreement between myself and their company. 2) A copy of the purchase and sale agreement that shows details of their purchase of the account from [redacted] Bank detailing purchase price, terms and agreements, dates of purchase3) A complete detailed account history of how the balance was calculated totaling $2,241.654) Detailed listing of all items purchased from beginning to end of the account5) The original signed application applying for creditYou can understand my position as a consumer. I do not know this company and I received a letter out of the blue stating that I owe them money. If they are truly the account owner, we have a contractual business arrangement, and we have done business together they should be able to provide this documentation. I understand that as a consumer in order to have a contractual obligation to a person or entity there has to be an offer and an acceptance. This is additional formal notice that I have not accepted any offers from Resurgent Capital or LVNV Funding and I have no formal business arrangements with them. If I have made some error in oversight and there is a formal business arrangement with their company I would be glad to speak with them to resolve it. If not, I ask respectfully that they remove this information from my credit report.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.July 23, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,145.74 Dear [redacted] This letter is in response to your correspondence dated July 21, 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 August 30, 2011. As of the date of this communication, the account balance is $2,145.74. Please review the following account information: 1. This account originated on January 23, 2007 with [redacted] 2. This account charged off on April 27, 2009 with a balance of $1,840.78. 3. The last payment was received on September 23, 2008. 4. No payments have been received on this account since Resurgent started servicing it in August 2011. 5. Enclosed is an account summary that includes additional account information. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Due to the approaching expiration of the reporting period for the account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. However, receipt of this complaint is the first written communication that Resurgent has received from [redacted] regarding the above-referenced account. Enclosed is the letter Resurgent mailed [redacted] on September 15, 2011 in compliance with Fair Debt Collection Practices Act (“FDCPA”) requirements. [redacted]’ July 21, 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 [redacted] and/or [redacted]. concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see Resurgent's attached response to the referenced complaint.July 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] Reference Number[redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted], dated July 8, 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. 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”). The original creditor may also continue to report the history of this account from the origination date to the time of sale. [redacted] claims that she has never resided at [redacted] This address was provided by [redacted] when the account was purchased by LVNV in January 2014. Based on the information provided by [redacted], the validation letter was sent to the consumer’s last known address; therefore, LVNV has met its notice requirements, as required by the Fair Debt Collection Practices Act (“FDCPA”). After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, Resurgent has made the business decision to close the account. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
January 25, 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] Bank (USA), N.A. Original Creditor: [redacted], N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $904.08 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 17, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in 6517, having acquired it on July 25, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $904.08. Please review the following account information: 1. This account originated on May 1, 2015 with [redacted], N.A. 2. This account charged off on March 29, 2016 with a balance of $904.08. 3. No payments have been received on this account since Resurgent started servicing it in July 2017. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that 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, a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Ms. [redacted]’s inquiry dated January 17, 2018 is the first written communication that Resurgent has received from Ms. [redacted] regarding the above-referenced account. We are providing the enclosed account summary as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT1/25/2018 11:54:33 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Dr Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted], N.A.State: MO Account Number XXXXXXXXXXXX[redacted]Zip Code: 63366-1511 Current Balance Due $904.08Date of Last Payment 07/30/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 05/01/2015The account charge-off date was: 03/29/2016The account charge-off amount was: $904.08The account was acquired on or about: 07/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $904.08This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
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, except for the fact that a decade-long bothering
contacts by various LVNV servicers were not made in error because in the course
of ten years LVNV Funding LLC (aka Resurgent Capital Services LP) could have many times over determined that I was not a responsible party. LVNV’s apologies are taken and
a copy of their letter will be kept in my lawyer’s files. This said, if I receive one more
phone call from a servicer attempting to contact [redacted] I will assume
that LVNV Funding LLC has backtracked on their promise and will file a legal motion in
the court without prior notification.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 31, 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 26, 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. Verification of debt was mailed to [redacted] on June 26, 2015 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter. This account has been properly verified, as required by the FDCPA. As part of our investigation we requested documents from the previous owner(s). Unfortunately however, we are unable to obtain documents from the previous owner(s). If you have any further questions, comments or concerns, please contact Customer Service at [redacted]-[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.July 1, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE[redacted]; Case/File No. [redacted] Previous Creditor: [redacted]...
[redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $17,900.25 Dear [redacted] This letter is in response to your correspondence dated June 23, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about June 16, 2009. As of the date of this communication, the account balance is $17,900.25. Please review the following account information: 1. This account originated on September 13, 2008, with [redacted], and was opened with [redacted]. 2. This account charged off on May 31, 2009. 3. The last payment in the amount of $300.00 was received on March 3, 2010. 4. A total of $2,700.00 in payments has been received from you towards this account since Resurgent started servicing it in June 2009. 5. Enclosed is a 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”). Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30-45 days for this update to occur. Resurgent received the electronic dispute that [redacted] submitted through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective consumer reporting agencies. Verification of debt with validation was mailed to [redacted] on May 13, 2010, in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of this letter for your review. This account has been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”). The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 30, 2008. 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”). Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted]
[redacted] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
January 17, 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 9, 2018 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by Pinnacle. Resurgent has received and reviewed Mr. [redacted]’ January 9, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry dated December 29, 2017 which is substantially the same as his January 9, 2018 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. Please be advised that the law on sending collection notices follows what is called the “mail box rule” which establishes that a letter properly directed and mailed is presumed to reach its destination and be received by the person to whom it was sent. As previously stated, the letters were properly addressed to Mr. [redacted], and our records do not indicate the letters were returned or suppressed by our letter vendor. Additionally, it is not required for the letters to be sent certified mail. 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.
Please see the attached response.August 24, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear [redacted]...
[redacted] This letter is in response to your correspondence dated August 21, 2015, regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, the following account has been closed. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience experienced regarding this account. Acct No. [redacted] Reference No. [redacted] Original Creditor: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
We
are unable to locate an account under the name of [redacted]. Please provide a
copy of the original complaint, as well as any information (account number or
social security number) that would help us to locate the account and address
your concerns.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Corporation & [redacted] I Original Creditor: [redacted] Current Owner: [redacted] LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $6,354.39 Dear Ms. [redacted]: This...
letter is in response to your correspondence dated February 2, 2017 regarding the above-referenced account. [redacted] LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on November 24, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. As of the date of this communication, the account balance is $6,354.39. Please review the following account information: 1. This account originated on August 1, 2014 [redacted]. 2. The last payment in the amount of $247.46 was received on May 6, 2015. 3. This account charged off on October 15, 2015 with a balance of $6,354.39. 4. No payments have been received on this account since Resurgent started servicing it in November 2015. All ownership rights in this account were transferred to [redacted] when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of [redacted]. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the [redacted] 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. Ms. [redacted] states that Resurgent failed to provide her with validation of the debt, and that we did not respond to her requests within a timely manner. Please note that the Fair Debt Collection Practices Act (“FDCPA”) does not contain any rule requiring that such responses be provided within a specific timeframe. Ms. [redacted] was provided with validation of debt on March 11, 2016 and June 6, 2016. Enclosed please find our most recent letter dated June 6, 2016. This account has been properly verified as required by the FDCPA. If, after reviewing the above-referenced information, Ms. [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. If Ms. [redacted] believes that this account was previously paid or satisfied in full, 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, please forward it to: Compliance Department or Fax: [redacted] Attn: Compliance P.O. Box [redacted], SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 4, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] 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 May 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], Inc. ("[redacted]") on or about November 7, 2012. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV is not reporting, and has never reported, the account to the major consumer reporting agencies. The original creditor may continue to report the history of this account from the origination date to the time of sale. 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. If [redacted] has a copy of her credit report indicating LVNV is reporting the account, please have her provide us a copy of the credit report so we may further investigate the matter. We have verified this account was settled in full on April 21, 2014 for $36.45. The status of the account was updated to "Settled in Full" on April 22, 2014. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. 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 3, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted]. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,275.77 Dear [redacted] Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concerns. We respectfully disagree with [redacted] statements regarding our company’s practices. [redacted]
[redacted] This letter is in response to your correspondence dated July 27, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about September 15, 2009. As of the date of this communication, the account balance is $1,275.77. Please review the following account information: 1. This account originated on October 8, 2008 with [redacted]. 2. This account charged off on August 14, 2009 with a balance of $704.56. 3. The last payment in the amount of $35.00 was received on January 9, 2009. 4. No payments have been received on this account since Resurgent started servicing it in September 2009. 5. Enclosed are bill statements and an account summary for [redacted] review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. 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. Additionally enclosed is a copy of the letter dated September 17, 2009 mailed to [redacted] advising a negative credit report may be submitted to the credit reporting agencies if the account was not paid. 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 February 13, 2009. A request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies on or around November 2015. The consumer reporting agencies’ reporting guidelines have defined a “factoring company” as a company or individual who purchases accounts with the intent of collecting debts owed. Therefore, the term is accurate in this situation and the account is reported correctly. The term “open” in [redacted] credit report does not literally mean that the account is open or can be used. That information is one of the data reporting requirements set by the consumer reporting agencies and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon demand. This is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and due. If [redacted] has additional questions related to the credit bureau reporting, then he will need to contact the respective consumer reporting agencies. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [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]
[redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
As stated in my initial complaint the initial notice of debt was sent to an address I did not reside at and was...
never provided to either the initial creditor nor lvnv. I have no signed contract with resurgent capital or lvnv. You have listed yourself as a factoring company and failed to meet FCRA requirements. The original creditor listed on the alleged debt has ceased credit reporting and if you do not follow suit and delete the trade line I will file complaints with regulatory agencies and take other steps up to and including legal action.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 21, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $3,952.49 Dear [redacted] This letter is in response to your correspondence dated April 13, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about January 28, 2014. As of the date of this communication, the account balance is $3,952.49. Please review the following account information: 1. This account originated on August 17, 2007 with [redacted] and was opened with [redacted] 2. This account charged off on August 31, 2009 with a balance of $2,318.94. 3. No payments have been received on this account since Resurgent started servicing it in January 2014. 4. Please see the enclosed 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, 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. 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], [redacted] Co. Inc. 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
November 17, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank (USA), N.A. Original Creditor: [redacted] Bank...
(USA), N.A. Current Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $445.38 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 13, 2017 regarding the above-referenced account. CACH, LLC ("CACH") owns the account number ending in [redacted], having acquired it on March 17, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by CACH and began servicing it on or about June 15, 2017. As of the date of this communication, the account balance is $445.38. Please review the following account information: 1. This account originated on August 24, 2009 with [redacted] Bank (USA), N.A. (“[redacted]”). 2. The last payment was received on September 25, 2013. 3. This account charged off on April 29, 2014 with a balance of $445.38. 4. No payments have been received on this account since CACH acquired it in March 2015. CACH acquired all ownership rights in this account upon CACH’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 CACH. Please be advised that the permissible reporting period for this account has not expired. In accordance with the Fair Credit Reporting Act, the CACH tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 24, 2013. A request to delete the CACH tradeline will be submitted to the consumer reporting agencies in August 2020. We did receive Mr. [redacted]’s correspondence of September 20, 2017. Although Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframe. The FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customer. Resurgent did stop collection efforts once we received Mr. [redacted]’s request. Please be advised that this letter shall serve as our formal response to Mr. [redacted]’s previous correspondence. If Mr. [redacted] would like to discuss payment arrangements, he may contact Customer Service at the number below. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. All accounts that are eligible for reporting are reported accurately to the three major consumer reporting agencies. If Mr. [redacted] were to pay the account, the CACH tradeline would be updated to reflect that this account has been paid. We are providing the enclosed bill statement and an account summary as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. 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)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted]The address does not match , the SSN Does not match , & I already have [redacted] service...
now for 6 years so how is this my account if nothing matches this account must be removed immediately from credit report.
Please see Resurgent's attached response to the referenced complaint.June 22, 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]. (formerly known as “[redacted]”) Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated June 15, 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 June 7, 2013. Please review the following account information: 1. This account originated on January 6, 2011 with [redacted] 2. This account charged off on November 30, 2011 with a balance of $808.74. 3. The last payment in the amount of $348.32 was received on April 29, 2015. 4. No payments have been received on this account since Resurgent started servicing it in June 2013. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting agencies. A judgment was obtained January 25, 2012 in Magistrate Court, [redacted] County[redacted] ** with case number [redacted]. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that he/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. We have verified this account was paid in full for less than the full balance on April 29, 2015 for $348.32. The status of the account was updated to “Satisfied in Full” on April 29, 2015. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. A request to release the judgment has been submitted to our servicing law firm and should be filed with the court no later than June 29, 2015. 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. This response does not resolve my dispute. I am asking for very specific documentation from Resurgent Capital Services...
representing LVNV Funding LLC. They claim that they have ownership rights to an account and that I have a contractual obligation to pay them $2,241.65. I have never done any business with Resurgent Capital or LVNV Funding. They have never extended me any credit nor have I purchased any products or services from them. In order to resolve this dispute I am requesting the following:1) A signed contract between myself and LVNV Funding or Resurgent Capital Services or any other type of agreement between myself and their company. 2) A copy of the purchase and sale agreement that shows details of their purchase of the account from [redacted] Bank detailing purchase price, terms and agreements, dates of purchase3) A complete detailed account history of how the balance was calculated totaling $2,241.654) Detailed listing of all items purchased from beginning to end of the account5) The original signed application applying for creditYou can understand my position as a consumer. I do not know this company and I received a letter out of the blue stating that I owe them money. If they are truly the account owner, we have a contractual business arrangement, and we have done business together they should be able to provide this documentation. I understand that as a consumer in order to have a contractual obligation to a person or entity there has to be an offer and an acceptance. This is additional formal notice that I have not accepted any offers from Resurgent Capital or LVNV Funding and I have no formal business arrangements with them. If I have made some error in oversight and there is a formal business arrangement with their company I would be glad to speak with them to resolve it. If not, I ask respectfully that they remove this information from my credit report.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.July 23, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,145.74 Dear [redacted] This letter is in response to your correspondence dated July 21, 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 August 30, 2011. As of the date of this communication, the account balance is $2,145.74. Please review the following account information: 1. This account originated on January 23, 2007 with [redacted] 2. This account charged off on April 27, 2009 with a balance of $1,840.78. 3. The last payment was received on September 23, 2008. 4. No payments have been received on this account since Resurgent started servicing it in August 2011. 5. Enclosed is an account summary that includes additional account information. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Due to the approaching expiration of the reporting period for the account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. However, receipt of this complaint is the first written communication that Resurgent has received from [redacted] regarding the above-referenced account. Enclosed is the letter Resurgent mailed [redacted] on September 15, 2011 in compliance with Fair Debt Collection Practices Act (“FDCPA”) requirements. [redacted]’ July 21, 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 [redacted] and/or [redacted]. concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see Resurgent's attached response to the referenced complaint.July 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] Reference Number[redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted], dated July 8, 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. 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”). The original creditor may also continue to report the history of this account from the origination date to the time of sale. [redacted] claims that she has never resided at [redacted] This address was provided by [redacted] when the account was purchased by LVNV in January 2014. Based on the information provided by [redacted], the validation letter was sent to the consumer’s last known address; therefore, LVNV has met its notice requirements, as required by the Fair Debt Collection Practices Act (“FDCPA”). After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, Resurgent has made the business decision to close the account. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
January 25, 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] Bank (USA), N.A. Original Creditor: [redacted], N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $904.08 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 17, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in 6517, having acquired it on July 25, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $904.08. Please review the following account information: 1. This account originated on May 1, 2015 with [redacted], N.A. 2. This account charged off on March 29, 2016 with a balance of $904.08. 3. No payments have been received on this account since Resurgent started servicing it in July 2017. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that 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, a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Ms. [redacted]’s inquiry dated January 17, 2018 is the first written communication that Resurgent has received from Ms. [redacted] regarding the above-referenced account. We are providing the enclosed account summary as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT1/25/2018 11:54:33 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Dr Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted], N.A.State: MO Account Number XXXXXXXXXXXX[redacted]Zip Code: 63366-1511 Current Balance Due $904.08Date of Last Payment 07/30/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 05/01/2015The account charge-off date was: 03/29/2016The account charge-off amount was: $904.08The account was acquired on or about: 07/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $904.08This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
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, except for the fact that a decade-long bothering
contacts by various LVNV servicers were not made in error because in the course
of ten years LVNV Funding LLC (aka Resurgent Capital Services LP) could have many times over determined that I was not a responsible party. LVNV’s apologies are taken and
a copy of their letter will be kept in my lawyer’s files. This said, if I receive one more
phone call from a servicer attempting to contact [redacted] I will assume
that LVNV Funding LLC has backtracked on their promise and will file a legal motion in
the court without prior notification.
Regards,
[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.August 31, 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 26, 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. Verification of debt was mailed to [redacted] on June 26, 2015 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter. This account has been properly verified, as required by the FDCPA. As part of our investigation we requested documents from the previous owner(s). Unfortunately however, we are unable to obtain documents from the previous owner(s). If you have any further questions, comments or concerns, please contact Customer Service at [redacted]-[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.July 1, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE[redacted]; Case/File No. [redacted] Previous Creditor: [redacted]...
[redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $17,900.25 Dear [redacted] This letter is in response to your correspondence dated June 23, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about June 16, 2009. As of the date of this communication, the account balance is $17,900.25. Please review the following account information: 1. This account originated on September 13, 2008, with [redacted], and was opened with [redacted]. 2. This account charged off on May 31, 2009. 3. The last payment in the amount of $300.00 was received on March 3, 2010. 4. A total of $2,700.00 in payments has been received from you towards this account since Resurgent started servicing it in June 2009. 5. Enclosed is a 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”). Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30-45 days for this update to occur. Resurgent received the electronic dispute that [redacted] submitted through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective consumer reporting agencies. Verification of debt with validation was mailed to [redacted] on May 13, 2010, in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of this letter for your review. This account has been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”). The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 30, 2008. 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”). Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted]
[redacted] and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
January 17, 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 9, 2018 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by Pinnacle. Resurgent has received and reviewed Mr. [redacted]’ January 9, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry dated December 29, 2017 which is substantially the same as his January 9, 2018 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. Please be advised that the law on sending collection notices follows what is called the “mail box rule” which establishes that a letter properly directed and mailed is presumed to reach its destination and be received by the person to whom it was sent. As previously stated, the letters were properly addressed to Mr. [redacted], and our records do not indicate the letters were returned or suppressed by our letter vendor. Additionally, it is not required for the letters to be sent certified mail. 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.
Please see the attached response.August 24, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear [redacted]...
[redacted] This letter is in response to your correspondence dated August 21, 2015, regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, the following account has been closed. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience experienced regarding this account. Acct No. [redacted] Reference No. [redacted] Original Creditor: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.