October 17, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [redacted]; Case/File No. [redacted]Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle...
Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,097.09Dear Ms. R[redacted]:This letter is in response to your correspondence received October 10, 2017 regarding the above- referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on February 18, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,097.09. Please review the following account information:1. This account originated on April 22, 2011 with [redacted]. 2. This account charged off on November 1, 2011 with a balance of $1,097.09. 3. No payments have been received on this account since Pinnacle acquired it in February 2014. 4. Enclosed are bill statements and an account summary on file for this account.Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle.In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the Pinnacle tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle.[redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is May 1, 2011. A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in February 2018.If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit.If Mr. [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full.In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to:Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted], SC 29603If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted].Sincerely,A. J[redacted] Compliance Department Resurgent Capital Services L.P.Enclosure(s)
October 25, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Mr. [redacted] received October 20, 2017 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. Resurgent has received and reviewed Mr. [redacted]’s October 20, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated October 12, 2017 which is substantially the same as his October 20, 2017 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our previous response, [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. Additionally, our previous response to Mr. [redacted]’s inquiry provided him with verification of debt as required by the Fair Debt Collection Practices Act. 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.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $647.29 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 4, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] having acquired it on December 14, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $647.29. Please review the following account information: 1. This account originated on July 1, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $5.00 was received on March 22, 2015. 3. This account charged off on November 8, 2015 with a balance of $647.29. 4. No payments have been received on this account since Resurgent started servicing it in December 2015. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. Our records indicate that the LVNV tradeline for this account has been reporting as “disputed” since we first received notice that Mr. [redacted] wished to dispute the account in March 2016. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. If Mr. [redacted] has evidence that the LVNV tradeline for this account is not reporting correctly, we ask that he forward it to the address below. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is May 6, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in February 2022. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. Enclosed is a copy of the notice that was sent on or about December 18, 2015 advising that information may be reported to the consumer reporting agencies if the debt is not paid. Please note that the enclosed letter also contains the validation notice. 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, and did not resume those efforts until we provided him with a verification response. The enclosed letters providing verification of debt were mailed to Mr. [redacted] on March 23, 2016 and March 29, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). This account has been properly verified as required by the FDCPA. Additionally, we are providing the enclosed bill statements and terms and conditions file for the account. Our records indicate that Mr. [redacted] submitted a notice requesting that we cease communication with him to this office on December 28, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, 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. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.October 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] LLC Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $841.49 Dear [redacted] This letter is in response to your correspondence dated October 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] LLC on or about April 8, 2011. As of the date of this communication, the account balance is $841.49. Please review the following account information: 1. This account originated on February 27, 2009, with [redacted] 2. This account charged off on February 5, 2010, with a balance of $667.91. 3. The last payment in the amount of $30.00 was received on June 21, 2009. 4. No payments have been received on this account since Resurgent started servicing it in April 2011. 5. Enclosed are a bill statement and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The information [redacted] provided in her inquiry indicates that the original creditor, [redacted], may be reporting this account to the credit bureaus as well. 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. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received the 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. 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. Enclosed is a copy of the letter that was mailed to [redacted] advising LVNV may report information about her account to the credit bureaus. Please note that at the time this letter was mailed, the LVNV tradeline was not being reported to the three 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 August 4, 2009. A request to delete the LVNV tradeline will be submitted on or before May 2016. 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] Abichat’s 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 she 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 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 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.August 25, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Inc. Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated August 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] Inc. on or about April 30, 2015. Please review the following account information: 1. This account originated on May 5, 2014 with [redacted] and was opened with [redacted] [redacted]. 2. This account charged off on December 29, 2014 with a balance of $41.00. 3. The last payment in the amount of $4.00 was received on July 11, 2014. 4. No payments have been received on this account since Resurgent started servicing it in April 2015. 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.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Brands, Inc. Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $110.37 Dear Ms. [redacted]: This letter...
is in response to your correspondence received August 28, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 28, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $110.37. Please review the following account information: 1. This account originated on May 18, 2015 with [redacted] and was opened with [redacted]. 2. The last payment in the amount of $18.71 was received on October 21, 2015. 3. This account charged off on March 16, 2016 with a balance of $110.37. 4. No payments have been received on this account since Resurgent started servicing it in April 2016. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. The enclosed letters containing verification of debt and the validation notice were sent to Ms. [redacted] on March 6, 2017 in response to her February 28, 2017 request. Additionally, verification was also provided on April 3, 2017 in response to Ms. [redacted]’s previous Consumer Financial Protection Bureau (“CFPB”) inquiry, case number [redacted]. The bill statements that were provided with our response to Ms. [redacted]’s previous CFPB inquiry are enclosed for your reference. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on March 20, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
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.June 15, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted]. Original Creditor: [redacted]. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted]: This letter is in response to your correspondence dated June 11, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted]. ("[redacted]") on or about March 28, 2011. Please review the following account information: 1. This account originated on October 24, 2007 with [redacted]. and was opened with [redacted] 2. This account charged off on February 26, 2010 with a balance of $2,644.13. 3. The last payment in the amount of $1,797.07 was received on June 4, 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. 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. We have verified this account was paid in full for less than the full balance on June 4, 2015 for $1,797.07. The status of the account was updated to "Satisfied in Full" on June 12, 2015. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. Regarding [redacted]’s concerns about the account still reporting to the credit reporting agencies as a collection, [redacted]’s payment to satisfy the account was received June 4, 2015. The account was last reported to the consumer reporting agencies on June 3, 2015. Therefore, when the account last reported, it was not yet paid. Resurgent advised in the resolution offer sent to [redacted] and his attorney that within 30 days of receiving the payment, a request to update the LVNV tradeline would be submitted to the three major consumer reporting agencies. Therefore, in accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “paid in full for less than the full balance” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Enclosed is a copy of the resolution offer faxed to [redacted]’s attorney on June 1, 2015 for review. 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
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: [redacted] LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $6,738.55 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 25, 2018 regarding the above-referenced account. [redacted] LLC ("PYOD") owns the account number ending in [redacted], having acquired it on August 1, 2017. 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 $6,738.55. Please review the following account information: 1. This account originated on May 10, 2016 with [redacted] Bank, N.A. 2. The last payment in the amount of $25.00 was received on January 11, 2017. 3. This account charged off on March 1, 2017 with a balance of $6,738.55. 4. No payments have been received on this account since Resurgent started servicing it in August 2017. [redacted] acquired all ownership rights in this account upon [redacted]’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, [redacted] is not reporting the account to the major consumer reporting agencies. Please be advised that the permissible reporting period for this account has not expired. If the [redacted] tradeline for this account begins reporting, it will report as “disputed” to the three major consumer reporting agencies. [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. We are providing the enclosed bill statements, terms and conditions, 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. Please note that the bill statements include statements for the account numbers ending in [redacted] and [redacted]. The January 15, 2017 bill statement indicates the account balance was transferred from the account ending in [redacted] to the account ending in [redacted]. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If [redacted] believes that this account was previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning their dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If [redacted] has any further questions, comments or concerns, they may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT1/30/2018 11:40:49 AMThis account summary has been prepared by Resurgent Capital Services on behalf of [redacted] LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner [redacted] LLCAddress: [redacted] NE [redacted] Rd Resurgent Reference # [redacted]City: North Miami Original Creditor [redacted] Bank, N.A.State: FL Account Number XXXXXXXXXXXX[redacted]Zip Code: [redacted] Current Balance Due $6738.55Date of Last Payment 01/11/2017Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/10/2016The account charge-off date was: 03/01/2017The account charge-off amount was: $6,738.55The account was acquired on or about: 08/01/2017The account was acquired from: MHC Receivables, LLC and [redacted], LLCThe account balance at time of acquisition: $6,738.55This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 5, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] and [redacted] Company Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated April 28, 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] Funding, LLC ("[redacted]") on or about October 30, 2002. After a review of the account, in consideration of [redacted]’s specific situation, Resurgent has closed the account. Collection efforts will cease and [redacted] should no longer be contacted by Resurgent or any of our servicers regarding the account. Currently, LVNV is not reporting the account to the major consumer reporting agencies (also known as “credit bureaus”). If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank, N.A. Original Creditor: [redacted] Bank, N.A. Current Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,174.23 Dear Ms. R[redacted]: This letter is in response to your correspondence received October 24, 2017 regarding the above-referenced account. CACH, LLC ("CACH") owns the account number ending in [redacted], having acquired it on April 30, 2012. 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 $2,174.23. Please review the following account information: 1. This account originated on May 22, 2006 with [redacted] Bank, N.A. 2. This account charged off on March 31, 2012 with a balance of $6,321.23. 3. The last payment in the amount of $105.00 was received on September 7, 2017. 4. Enclosed is the charge-off statement and an account summary on file for this account. 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. 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 (“FCRA”), a request to update the CACH tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for CACH, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by CACH. This account was previously placed with [redacted] [redacted], PLC; however, this account has been recalled and placed back in our office. We apologize for any inconvenience Ms. [redacted] may have experienced regarding the collection of this account. After investigating the account, we found no evidence of mishandlings alleged in Ms. [redacted]’s inquiry. We reviewed the payment records forwarded by the third-party servicer of this account, and found no evidence that the above-stated account balance is incorrect. If, after reviewing the above-referenced information, Ms. [redacted] believes that the current balance of this account is incorrect, then please advise her to provide us a copy of cancelled check(s), and/or confirmation previous payments. 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] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted] . Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
October 17, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [redacted]; Case/File No. [redacted]Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle...
Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,097.09Dear Ms. R[redacted]:This letter is in response to your correspondence received October 10, 2017 regarding the above- referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on February 18, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,097.09. Please review the following account information:1. This account originated on April 22, 2011 with [redacted]. 2. This account charged off on November 1, 2011 with a balance of $1,097.09. 3. No payments have been received on this account since Pinnacle acquired it in February 2014. 4. Enclosed are bill statements and an account summary on file for this account.Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle.In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the Pinnacle tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle.[redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is May 1, 2011. A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in February 2018.If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit.If Mr. [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full.In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to:Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted], SC 29603If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted].Sincerely,A. J[redacted] Compliance Department Resurgent Capital Services L.P.Enclosure(s)
October 25, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Mr. [redacted] received October 20, 2017 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. Resurgent has received and reviewed Mr. [redacted]’s October 20, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated October 12, 2017 which is substantially the same as his October 20, 2017 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our previous response, [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. Additionally, our previous response to Mr. [redacted]’s inquiry provided him with verification of debt as required by the Fair Debt Collection Practices Act. 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.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $647.29 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 4, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] having acquired it on December 14, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $647.29. Please review the following account information: 1. This account originated on July 1, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $5.00 was received on March 22, 2015. 3. This account charged off on November 8, 2015 with a balance of $647.29. 4. No payments have been received on this account since Resurgent started servicing it in December 2015. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. Our records indicate that the LVNV tradeline for this account has been reporting as “disputed” since we first received notice that Mr. [redacted] wished to dispute the account in March 2016. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. If Mr. [redacted] has evidence that the LVNV tradeline for this account is not reporting correctly, we ask that he forward it to the address below. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is May 6, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in February 2022. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. Enclosed is a copy of the notice that was sent on or about December 18, 2015 advising that information may be reported to the consumer reporting agencies if the debt is not paid. Please note that the enclosed letter also contains the validation notice. 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, and did not resume those efforts until we provided him with a verification response. The enclosed letters providing verification of debt were mailed to Mr. [redacted] on March 23, 2016 and March 29, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). This account has been properly verified as required by the FDCPA. Additionally, we are providing the enclosed bill statements and terms and conditions file for the account. Our records indicate that Mr. [redacted] submitted a notice requesting that we cease communication with him to this office on December 28, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, 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. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Please see the attached response.October 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] LLC Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $841.49 Dear [redacted] This letter is in response to your correspondence dated October 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] LLC on or about April 8, 2011. As of the date of this communication, the account balance is $841.49. Please review the following account information: 1. This account originated on February 27, 2009, with [redacted] 2. This account charged off on February 5, 2010, with a balance of $667.91. 3. The last payment in the amount of $30.00 was received on June 21, 2009. 4. No payments have been received on this account since Resurgent started servicing it in April 2011. 5. Enclosed are a bill statement and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The information [redacted] provided in her inquiry indicates that the original creditor, [redacted], may be reporting this account to the credit bureaus as well. 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. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received the 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. 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. Enclosed is a copy of the letter that was mailed to [redacted] advising LVNV may report information about her account to the credit bureaus. Please note that at the time this letter was mailed, the LVNV tradeline was not being reported to the three 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 August 4, 2009. A request to delete the LVNV tradeline will be submitted on or before May 2016. 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] Abichat’s 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 she 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 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 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.August 25, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Inc. Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated August 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] Inc. on or about April 30, 2015. Please review the following account information: 1. This account originated on May 5, 2014 with [redacted] and was opened with [redacted] [redacted]. 2. This account charged off on December 29, 2014 with a balance of $41.00. 3. The last payment in the amount of $4.00 was received on July 11, 2014. 4. No payments have been received on this account since Resurgent started servicing it in April 2015. 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.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Brands, Inc. Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $110.37 Dear Ms. [redacted]: This letter...
is in response to your correspondence received August 28, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 28, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $110.37. Please review the following account information: 1. This account originated on May 18, 2015 with [redacted] and was opened with [redacted]. 2. The last payment in the amount of $18.71 was received on October 21, 2015. 3. This account charged off on March 16, 2016 with a balance of $110.37. 4. No payments have been received on this account since Resurgent started servicing it in April 2016. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. The enclosed letters containing verification of debt and the validation notice were sent to Ms. [redacted] on March 6, 2017 in response to her February 28, 2017 request. Additionally, verification was also provided on April 3, 2017 in response to Ms. [redacted]’s previous Consumer Financial Protection Bureau (“CFPB”) inquiry, case number [redacted]. The bill statements that were provided with our response to Ms. [redacted]’s previous CFPB inquiry are enclosed for your reference. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on March 20, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
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.June 15, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted]. Original Creditor: [redacted]. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted]: This letter is in response to your correspondence dated June 11, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted]. ("[redacted]") on or about March 28, 2011. Please review the following account information: 1. This account originated on October 24, 2007 with [redacted]. and was opened with [redacted] 2. This account charged off on February 26, 2010 with a balance of $2,644.13. 3. The last payment in the amount of $1,797.07 was received on June 4, 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. 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. We have verified this account was paid in full for less than the full balance on June 4, 2015 for $1,797.07. The status of the account was updated to "Satisfied in Full" on June 12, 2015. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. Regarding [redacted]’s concerns about the account still reporting to the credit reporting agencies as a collection, [redacted]’s payment to satisfy the account was received June 4, 2015. The account was last reported to the consumer reporting agencies on June 3, 2015. Therefore, when the account last reported, it was not yet paid. Resurgent advised in the resolution offer sent to [redacted] and his attorney that within 30 days of receiving the payment, a request to update the LVNV tradeline would be submitted to the three major consumer reporting agencies. Therefore, in accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “paid in full for less than the full balance” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Enclosed is a copy of the resolution offer faxed to [redacted]’s attorney on June 1, 2015 for review. 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
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: [redacted] LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $6,738.55 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 25, 2018 regarding the above-referenced account. [redacted] LLC ("PYOD") owns the account number ending in [redacted], having acquired it on August 1, 2017. 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 $6,738.55. Please review the following account information: 1. This account originated on May 10, 2016 with [redacted] Bank, N.A. 2. The last payment in the amount of $25.00 was received on January 11, 2017. 3. This account charged off on March 1, 2017 with a balance of $6,738.55. 4. No payments have been received on this account since Resurgent started servicing it in August 2017. [redacted] acquired all ownership rights in this account upon [redacted]’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, [redacted] is not reporting the account to the major consumer reporting agencies. Please be advised that the permissible reporting period for this account has not expired. If the [redacted] tradeline for this account begins reporting, it will report as “disputed” to the three major consumer reporting agencies. [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. We are providing the enclosed bill statements, terms and conditions, 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. Please note that the bill statements include statements for the account numbers ending in [redacted] and [redacted]. The January 15, 2017 bill statement indicates the account balance was transferred from the account ending in [redacted] to the account ending in [redacted]. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If [redacted] believes that this account was previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning their dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If [redacted] has any further questions, comments or concerns, they may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT1/30/2018 11:40:49 AMThis account summary has been prepared by Resurgent Capital Services on behalf of [redacted] LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner [redacted] LLCAddress: [redacted] NE [redacted] Rd Resurgent Reference # [redacted]City: North Miami Original Creditor [redacted] Bank, N.A.State: FL Account Number XXXXXXXXXXXX[redacted]Zip Code: [redacted] Current Balance Due $6738.55Date of Last Payment 01/11/2017Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/10/2016The account charge-off date was: 03/01/2017The account charge-off amount was: $6,738.55The account was acquired on or about: 08/01/2017The account was acquired from: MHC Receivables, LLC and [redacted], LLCThe account balance at time of acquisition: $6,738.55This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.May 5, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] and [redacted] Company Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated April 28, 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] Funding, LLC ("[redacted]") on or about October 30, 2002. After a review of the account, in consideration of [redacted]’s specific situation, Resurgent has closed the account. Collection efforts will cease and [redacted] should no longer be contacted by Resurgent or any of our servicers regarding the account. Currently, LVNV is not reporting the account to the major consumer reporting agencies (also known as “credit bureaus”). If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank, N.A. Original Creditor: [redacted] Bank, N.A. Current Owner: CACH, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,174.23 Dear Ms. R[redacted]: This letter is in response to your correspondence received October 24, 2017 regarding the above-referenced account. CACH, LLC ("CACH") owns the account number ending in [redacted], having acquired it on April 30, 2012. 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 $2,174.23. Please review the following account information: 1. This account originated on May 22, 2006 with [redacted] Bank, N.A. 2. This account charged off on March 31, 2012 with a balance of $6,321.23. 3. The last payment in the amount of $105.00 was received on September 7, 2017. 4. Enclosed is the charge-off statement and an account summary on file for this account. 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. 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 (“FCRA”), a request to update the CACH tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for CACH, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by CACH. This account was previously placed with [redacted] [redacted], PLC; however, this account has been recalled and placed back in our office. We apologize for any inconvenience Ms. [redacted] may have experienced regarding the collection of this account. After investigating the account, we found no evidence of mishandlings alleged in Ms. [redacted]’s inquiry. We reviewed the payment records forwarded by the third-party servicer of this account, and found no evidence that the above-stated account balance is incorrect. If, after reviewing the above-referenced information, Ms. [redacted] believes that the current balance of this account is incorrect, then please advise her to provide us a copy of cancelled check(s), and/or confirmation previous payments. 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] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted] . Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)