Resurgent Capital Services LP Reviews (259)
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Address: 15 S Main St Ste 600, Greenville, South Carolina, United States, 29601-2768
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November 18, 2014
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: [redacted]; Case/File No. [redacted]
Reference Number: [redacted]
Dear [redacted]
This letter is in response to the additional concerns submitted by [redacted] dated November 12, 2014 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.
Our office is in receipt of your letter of dispute pursuant to 15 U.S.C § 1681s-2 of the Fair Credit Reporting Act (“FCRA”). Please be advised we have reviewed your dispute and our records indicate we have already responded to a previous inquiry dated October 27, 2014. Because your dispute alleges no new facts and includes no new information on which to form the basis for a new investigation, we will not be conducting another investigation of the dispute pursuant to 15 U.S.C. § 1681s-2(a)(8)(F)(i)(II) of the FCRA. Should you have additional, relevant information, please provide it so we may assist.
The account summary and information previously provided on November 3, 2014 is considered verification of debt in accordance with the Fair Debt Collections Practices Act, section 809(15 U.S.C.§ 1692(g). If you have any further questions, comments or concerns, please contact Customer Service at[redacted]
Sincerely,
[redacted]
Compliance Department ...⇄ Resurgent Capital Se
January 16, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,454.60 Dear [redacted] This letter is in response to your correspondence dated January 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 December 10, 2008. As of the date of this communication, the account balance is $1,454.60. 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] Resurgent complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on its or the appropriate regulator’s website. Please review the following account information: 1. This account originated on April 5, 2007 with [redacted] 2. This account charged off on November 11, 2008 with a balance of $656.76. 3. The last payment in the amount of $20.00 was received on April 8, 2008. 4. No payments have been received on this account since Resurgent started servicing it in December 2008. 5. Please find enclosed 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”). Since the legal time limit for bureau reporting is approaching on this account, a request to delete LVNV tradeline 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 agencies for servicing since LVNV’s acquisition. Any notification requirements for this account would have been met by these collection agencies. Our records indicate [redacted] previously submitted to this office on July 5, 2011 a notice demanding that we cease communication with her. When a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. After receiving [redacted] letter requesting we cease communication, a letter dated July 19, 2011 was sent stating that she would receive no further communications from Resurgent. Please see enclosed letter for your review. 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 consumer reporting agencies use the term “installment account” to describe a revolving line of credit. Resurgent does not provide this comment to the bureaus, they add it to the account record, and therefore, we cannot alter it. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted] responsibility for the balance due on this account. [redacted] called Resurgent on January 6, 2015 and wanted to resolve this account. We appreciate [redacted] willingness to pay this account and therefore would like to offer to settle in full for $435.00. The settlement may be broken into three monthly payments in the amount of $145.00. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “settled in full". Payments may be mailed to the following address or [redacted] may contact Customer Service at [redacted]to make payments by phone. If mailing payments, please allow adequate time for the mail delivery and for Resurgent to process and apply the payments to the account. Resurgent Capital Services L.P. [redacted]
[redacted] If payment is not received by the 15th of each month, starting February 2015, this account may be placed for further collections, and this settlement agreement may be re-evaluated. We are not obligated to renew this offer. It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. This offer is void if previous settlement arrangements have been made. In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted]
[redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted]
[redacted]
[redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.March 26, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Dear [redacted]: This letter is in response to the concerns submitted by [redacted] dated March 22, 2015. Upon researching this matter, it has been determined [redacted] is not the responsible party. Although [redacted] has not been contacted by Resurgent Capital Services L.P. (“Resurgent”) directly, we have deleted her address from our system. [redacted] should no longer be contacted by Resurgent or any of our servicers regarding this issue. We apologize for any inconvenience experienced due to any contact made in error. If you have any further questions, comments or concerns, please contact Customer Service at [redacted]-[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
October 24, 2014
[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: $3,345.33
Dear [redacted]:
This letter is in response to your correspondence dated October 20, 2014 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 May 9, 2013. As of the date of this communication, the account balance is $3,345.33. Please review the following account information:
This account originated on October 31, 2006 with [redacted] and was opened with [redacted].
This account charged off on March 31, 2009.
The last payment in the amount of $174.00 was received on August 15, 2008.
No payments have been received on this account since Resurgent started servicing it in May 2013.
The credit application, terms and conditions and an account summary are enclosed.
All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale.
In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed.
Resurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureaus.
If, after review of the above referenced information, [redacted] believes 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] 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]
[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)
November 17, 2014
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: [redacted]; Case/File...
No. [redacted]
Reference Number: [redacted]
Dear [redacted]:
This letter is in response to your correspondence dated November 7, 2014 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 you 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]
Original Creditor: [redacted]
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
Sincerely,
[redacted]
Compliance Department ...⇄ Resurgent Capita
February 27, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $931.64 Dear [redacted]: This letter is in response to your correspondence dated February 20, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("[redacted]") on or about September 22, 2010. As of the date of this communication, the account balance is $ 931.64. Please review the following account information: 1. This account originated on June 8, 2009 with [redacted] and was opened with [redacted]. 2. This account charged off on September 17, 2010 with a balance of $728.04. 3. The last payment in the amount of $60.00 was received on February 19, 2010. 4. No payments have been received on this account since Resurgent started servicing it in September 2010. 5. Enclosed is an account summary for 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. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. 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] 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
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. I have tryed to reach this company for 2 years asking for a Debt Validation and they have failed to respond. At this time I feel compeled to file suit against them because of the lack of clarity on their business procedure.
As they have shown, their last comunication with me was in 2012. They obviously have no interest on settleing this account, just damaging my credit rating farther.
Thank you for your responseRegards,[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10511296, and have determined that this does not resolve my complaint.
A factoring company buys contracts and accounts receivables but not delinquent debt accounts. The account they claim to own was in default and charged off prior to them acquiring it. Therefore, they are not a factoring company. The reason they claim to be a factoring company is to attempt to evade having to obey FDCPA and lawsuits stemming from their failure to follow the rules. For LVNV to state that it is a factoring company violates:1692e(12) The false representation or implication that accounts have been turned over to innocent purchasers for value. LVNV can not be considered purchasers nor holders.1692e(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.1692e(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. LVNV knows that it is not an innocent purchaser and that it is not a holder.1692e(2)(A) The false representation of the character any debt. The debt has been characterized as one that was not in default at the time of purchase.1692e(2)(A) The false representation of the legal status of any debt. Reporting as a factoring company confers the legal status of holder upon the furnisher.16922(f) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The use of factoring company is unfair as it deprives me of rights, remedies and defenses and provides a false impression to current and potential lenders.On top of the Factoring company farce, they have yet to present me with proper debt validation listed below:Proof the amount they are claiming is correct and legal, which will require all statements and payment history from the original creditorProof this account is within the Statute of Limitations and has not expiredProof they are the owner of this account, which will require the contract and terms between them and the original creditorProof they are legally licensed (bonded and insured if applicable) to collect this debt in my stateFor verification purposes, I will need their business license number If they are unable to provide the proof I requested, please have them delete this account from all reporting agencies, which is mandated under federal law. I am in the process of acquiring legal counsel that has fought this same battle with LVNV previously since they will not follow the law.
Regards,
[redacted]
January 26, 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] (formally known as...
[redacted]) Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $6,254.87 Dear [redacted] This letter is in response to your correspondence dated January 20, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about June 7, 2013. As of the date of this communication, the account balance is $6,254.87. Please review the following account information: 1. This account originated on August 11, 2007 with [redacted] and was opened with [redacted] - [redacted]. 2. This account charged off on September 30, 2009 with a balance of $4,374.66. 3. No payments have been received on this account since Resurgent started servicing it in June 2013. 4. Enclosed is an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. This account has been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”). Enclosed are copies of Resurgent’s correspondence to [redacted]’s attorney. [redacted]’s attorney recently called into our Customer Service department and requested a settlement on this account. We would like to offer to settle in full for $1,800.00. The settlement may be broken into three monthly payments in the amount of $600.00. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “settled in full" and a request to update the LVNV tradeline to "account paid in full for less than the full balance" will be submitted to the three major consumer reporting agencies. Payments may be mailed to the following address or [redacted] may contact Customer Service at [redacted] to make payments by phone. If mailing payments, please allow adequate time for the mail delivery and for Resurgent to process and apply the payments to the account. Resurgent Capital Services L.P. [redacted] Greenville, SC 29603 If payment is not received by the 15th of each month, starting March 2015, this account may be placed for further collections, and this settlement agreement may be re-evaluated. We are not obligated to renew this offer. It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. This offer is void if previous settlement arrangements have been made. 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] Dream and/or [redacted] concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosures
February 16, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] ([redacted]; Case/File No[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 February 11, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about January 23, 2007. Please review the following account information: 1. This account originated on November 21, 2004 with [redacted] and was opened with [redacted]. 2. This account charged off on June 9, 2006 with a balance of $999.62. 3. The last payment in the amount of $850.00 was received on March 30, 2011. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting agencies. A judgment was obtained April 27, 2009 in the Superior Court of [redacted], County of [redacted] with case number [redacted]. An Acknowledgment of Satisfaction of Judgment was filed on February 26, 2013. Enclosed is a copy of the judgment and Acknowledgment of Satisfaction of Judgment for [redacted]’s review. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that 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. 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. Enclosure(s)
February 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] Previous Creditor: [redacted] Original Creditor:...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $10,507.61 Dear [redacted]: This letter is in response to your correspondence dated February 18, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about September 23, 2011. As of the date of this communication, the account balance is $10,507.61. Please review the following account information: 1. This account originated on July 4, 2004 with [redacted] and was opened with [redacted]. 2. This account charged off on November 30, 2005. 3. The last payment in the amount of $125.00 was received on June 27, 2006. 4. No payments have been received on this account since Resurgent started servicing it in September 2011. 5. Enclosed is an account summary for review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting agencies. Additionally, according to our records, there are no lawsuits or judgments on file for this account. Our records indicate [redacted]s complaint includes a notice demanding that we cease communication with her. When a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 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] Bank and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure
February 2, 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 January 29, 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.
We appreciate [redacted]’s willingness to pay this account and accept his offer to settle in full for $600.00. As stated in our response dated January 27, 2015, the settlement may be broken into three equal monthly payments of $200.00. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “settled in full” and a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies.
The payments may be mailed to the following address, or [redacted] may contact Customer Service at [redacted] in order to make his payments by phone. If mailing his payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this account.
Resurgent Capital Services L.P.
[redacted]
Greenville, SC 29603
If payment is not received by March 15, 2015, this account may be placed for further collection activity, and this settlement agreement may be re-evaluated. We are not obligated to renew this offer.
It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. This offer is void if previous settlement arrangements have been made.
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
Sincerely,
[redacted]
Compliance Department
Resurgent Capital Services L.P.
February 18, 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 February 3, 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] Corporation (USA) IV on or about July 20, 2010. Please review the following account information: 1. This account originated on July 10, 2008 with [redacted]. and was opened with [redacted]. 2. This account charged off on June 30, 2010 with a balance of $893.91. 3. The last payment in the amount of $935.00 was received on January 29, 2015. 4. One payment has been received on this account since Resurgent started servicing it in July 2010. 5. Please find enclosed bill statements for your review. We have reviewed the documents provided by [redacted] and have updated his account to “settled in full”. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. 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 (also known as “credit bureaus”) during the next reporting cycle. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. Resurgent 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. Our records indicate [redacted] previously submitted to this office on September 26, 2014 a notice demanding 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. A judgment was obtained June 22, 2012 in the State of [redacted] 19th Judicial District Circuit, [redacted] County with case number [redacted] Enclosed is a copy of the judgment for [redacted]’s review. Additionally, a request to release the judgment has been submitted. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. 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 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]
Dear [redacted]
This letter is in response to your correspondence dated January 12, 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.
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 above referenced 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.
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:
I will accept the settlement offer of $600 to be paid in full by February/15/2015, if all information about this account is deleted from all Credit Reporting Agencies within 30 days of payment.
Regards,[redacted]
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.April 8, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $9,558.60 Dear [redacted] This letter is in response to your correspondence dated April 2, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("[redacted]") on or about December 30, 2011. As of the date of this communication, the account balance is $9,558.60. Please review the following account information: 1. This account originated on May 23, 2005 with [redacted] 2. This account charged off on February 28, 2009. 3. The last payment in the amount of $180.00 was received on June 25, 2008. 4. No payments have been received on this account since Resurgent started servicing it in December 2011. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. A judgment was obtained December 1, 2010 in Superior Court of [redacted], County of [redacted] with case number [redacted]. Our records indicate that [redacted] was served the summons and complaint on May 4, 2010. Enclosed is a copy of the proof of service and judgment for [redacted]’s review. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that he/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. [redacted] states in his/her dispute that the debt was collected, if after review of the above-referenced information, [redacted] believes this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning his/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]
[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure
October 20, 2014
[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: $3,920.67
Dear [redacted]
This letter is in response to your correspondence dated October 17, 2014 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 $3,920.67. Please review the following account information:
This account originated on September 30, 2006 with [redacted] and was opened with [redacted]., Inc.
This account charged off on August 31, 2009 with a balance of $3,040.12.
No payments have been received on this account since Resurgent started servicing it in January 2014.
Enclosed are bill statements, terms and conditions and the credit application for this account.
All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale.
In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed.
Resurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureaus.
Resurgent utilizes third party collection agencies to service accounts on its behalf. This account was placed with [redacted]. Any notification requirements for this account would have been met by these collection agencies. Enclosed is the letter to [redacted] providing validation from [redacted] that dated on March 12, 2014.
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] and/or [redacted]., Inc. concerning his/her dispute, it may help with our investigation, so please have him/her forward it to:
Compliance Department or Fax: [redacted]
[redacted]
[redacted]
Greenville, SC 29603
If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
Sincerely,
[redacted]
Compliance Department ...⇄
Resurgent Capital Services L.P.
Enclosure(s)
December 19, 2014
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: [redacted]; Case/File No....
[redacted]
Previous Creditor: [redacted], LLC
Original Creditor: [redacted]
Current Owner: LVNV Funding LLC
Account Number: [redacted]
Reference Number: [redacted]
Current Balance: $1,946.99
Dear [redacted]:
This letter is in response to your correspondence dated December 18, 2014 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 October 16, 2009. The total current balance as of the date of this communication is $1,946.99, which includes a principal balance of $956.46 and an interest balance of $990.53. Additionally, this account is accruing interest at a rate of 20 percent. Please review the following account information:
This account originated on January 7, 2007 with [redacted]
This account charged off on September 13, 2009 with a balance of $956.46.
The last payment in the amount of $20.00 was received on February 10, 2009.
No payments have been received on this account since Resurgent started servicing it in October 2009.
Please find enclosed a bill statement and an account summary.
All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale.
In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed.
Resurgent received the multiple credit bureau disputes that [redacted] submitted electronically through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective credit bureaus.
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.
[redacted]'s letter asserts that LVNV “re-ages” accounts and that his/her credit report shows this is a new account. We believe he/she means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrect. It is likely that he/she believes that the “Open Date” is used as the starting point in the calculation of the seven-year period that his/her debt's derogatory account can remain on his/her credit report. This is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is March 12, 2009. The tradeline will be deleted on or before December 12, 2015.
Please find enclosed a letter providing validation of debt which was mailed to [redacted] on March 11, 2013.
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]. and/or [redacted], LLC concerning his/her dispute, it may help with our investigation, so please have him/her forward it to:
Compliance Department or Fax: [redacted]
[redacted]
[redacted]
Greenville, SC 29603
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
Sincerely,
[redacted]
Compliance Department
Resurgent Capital Services L.P.
Enclosure(s)
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.