Resurgent Capital Services LP

January 9, 2015
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
RE:      [redacted]; Case/File No. [redacted]
           ...

Reference Numbers:  [redacted]
 
Dear [redacted]:
 
This letter is in response to your correspondence dated January 6, 2015 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted]. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the following account information:
 
Resurgent would like to thank [redacted] for bringing this matter to our attention. After further investigation, the following accounts have been closed. Additionally, a request to delete LVNV tradelines 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.
 
Account Number:    [redacted]
Reference Number: [redacted]
Original Creditor:   [redacted]
 
Account Number:    [redacted]
Reference Number: [redacted]
Original Creditor:   [redacted]
 
We apologize for any inconvenience experienced regarding these accounts. If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
 
Sincerely,
[redacted]
Compliance Department                                   ...⇄
Resurgent Capital Services L.P.

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.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] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $701.98 Dear [redacted]: This letter is in response to your correspondence dated March 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]) on or about December 23, 2010. As of the date of this communication, the account balance is $701.98. Please review the following account information: 1. This account originated on September 1, 2008 with [redacted] and was opened with [redacted] 2. This account charged off on October 22, 2009 with a balance of $379.95. 3. The last payment in the amount of $15.00 was received on April 18, 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. Resurgent received the electronic dispute that [redacted] submitted through the consumer reporting agencies. Resurgent responded to the dispute 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. 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. Resurgent has not spoken with [redacted] by phone. Nor have we received any written correspondence, prior to the complaint dated March 19, 2015, from [redacted] requesting we cease contact with her. We do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. We apologize for any inconvenience [redacted] may have experienced regarding the collection of this account. Our records indicate [redacted] complaint contains 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] 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

November 11, 2014
           
 
[redacted]
Revdex.com of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
 
 
RE:       [redacted]...

[redacted]; Case/File No. [redacted]
Reference Number: [redacted]
 
Dear [redacted]
 
This letter is in response to your correspondence dated November 4, 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.  The LVNV tradeline is no longer reporting to the three major consumer reporting agencies. 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 Capital Services L.P.

February 19, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Case/File No. [redacted] Original Creditor[redacted] Current Owner: LVNV Funding...

LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $58,561.86 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 March 25, 2010. As of the date of this communication, the account balance is $58,561.86. Please review the following account information: 1. This account originated on April 12, 2000 with [redacted]. 2. This account charged off on August 3, 2009. 3. The last payment in the amount of $300.00 was received on December 19, 2008. 4. No payments have been received on this account since Resurgent started servicing it in March 2010. 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”). 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. Receipt of this complaint is the first written communication that Resurgent has received from [redacted] regarding the above-referenced account. Resurgent received the electronic dispute that [redacted] submitted through the consumer reporting agencies. Resurgent responded to the dispute in the adequate time by providing the corresponding information to the respective consumer reporting agencies. [redacted]’s inquiry dated February 11, 2015 contained 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. [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]’s responsibility for the balance due on this account. 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]. concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)

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:          $1,678.21
 
Dear [redacted]:
 
This letter is in response to your correspondence dated October 21, 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 29, 2009.  As of the date of this communication, the account balance is $1,678.21.  Please review the following account information:
 
This account originated on December 12, 2006 with [redacted] and was opened with [redacted].
This account charged off on January 2, 2009 with a balance of $569.43.
No payments have been received on this account since Resurgent started servicing it in January 2009.
All ownership rights were transferred to LVNV when this account was purchased from the previous creditor.  Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”).  Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV.  The original creditor may also continue to report the history of this account from the origination date to the time of sale.
 
Receipt of this complaint is the first communication, written or otherwise that Resurgent has received from[redacted] regarding the above referenced account.  In accordance with the Fair Credit Reporting Act, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. 
[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.
Please ask [redacted] to furnish a copy of her credit report so that we can further investigate the [redacted] account she is stating that is being reported from LVNV as "account paid for less than full balance; paid collection."
Enclosed please find an account summary. 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] and/or [redacted] concerning her dispute, it may help with our investigation, so please have 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)

March 10, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding...

LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $3,483.88 Dear [redacted] This letter is in response to your correspondence dated March 2, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about December 15, 2008. As of the date of this communication, the account balance is $3,483.88. Please review the following account information: 1. This account originated on March 9, 2002 with [redacted] 2. This account charged off on November 13, 2008 with a balance of $1,625.39. 3. The last payment was received on April 4, 2008. 4. No payments have been received on this account since Resurgent started servicing it in December 2008. 5. Please find enclosed an account summary and bill statements 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, LVNV is not reporting the account to the major consumer reporting agencies and the tradeline was deleted on or about February 24, 2015. The term “open” in [redacted]’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. [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]’s responsibility for the balance due on this account. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosures

Revdex.com:I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that this does not resolve my complaint.  The sending of bills that could have been done on a[redacted] progam does not meet the litmus test of validation of the alleged debt. They need something with concrete proof that I am the responsible party or I will be forced to escalate my complaint. I will not hesitate to execute all my rights under the law when this is proven not to be a valid debt. They are to send me the REQUIRED information that is needed to do this under the LAW.They said they bought the rights, if we go to court part of my discovery will be proof of this in a cancelled check, money transfer, or any other documentation to prove this assertions.Once again a computer generated bill with my address does not have standing in a civil case as it does not represent any identifying confirmation that I am the responsible part or that I agree to be such. Once again they have 30 days to remove ALL mention of this alleged and unvalidated debt before I move forward to that Attorney General of their state as well as the Comptroller of the Currency and is need be to [redacted] small claims. Regards,[redacted]

November 14, 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 Numbers:  [redacted]
 
Dear [redacted]
 
This letter is in response to your correspondence dated November 10, 2014 regarding the referenced consumer. LVNV Funding LLC ("LVNV") owns both referenced accounts for [redacted].  Resurgent Capital Services LP ("Resurgent") is the servicer of these accounts owned by LVNV.  Please review the following account information:
 
Account No.  [redacted]
Reference No.  [redacted]
Original Creditor: [redacted]
This account originated on August 17, 2007 with [redacted]
This account charged off on June 30, 2010 with a balance of $3,170.88.
This account was purchased from [redacted]. on January 28, 2014.
The last payment in the amount of $100.00 was received on October 29, 2009.
No payments have been received on this account since Resurgent started servicing it in January 2014.
The total current balance as of the date of this communication is $3,249.93, which includes a principal balance of $3,170.88 and an interest balance of $79.05.  Additionally, this account is accruing interest at a rate of 7 percent.
Enclosed are bill statements for your review.
 
Account No.  [redacted]
Reference No.  [redacted]
Original Creditor: [redacted]
This account originated on September 2, 2007 with [redacted]
This account charged off on May 31, 2010 with a balance of $2,995.86.
This account was purchased from [redacted]. on January 28, 2014.
The last payment in the amount of $86.00 was received on November 22, 2009.
No payments have been received on this account since Resurgent started servicing it in January 2014.
The total current balance as of the date of this communication is $3,070.55, which includes a principal balance of $2,995.86 and an interest balance of $74.69.  Additionally, this account is accruing interest at a rate of 7 percent.
Enclosed are bill statements for your review.
 
All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditor.  Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”).  Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV.  The original creditor may also continue to report the history of these accounts from the origination date to the time of sale.
 
In accordance with the Fair Credit Reporting Act, the LVNV tradelines are being reported as “disputed” to the three major consumer reporting agencies. They will continue to report as such throughout the permissible reporting period unless new information indicates that the disputes 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.
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]’s credit report does not literally mean that the accounts are open or can be used.  That information is one of the data reporting requirements set by the consumer reporting agencies and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon demand.  This is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and due.  If [redacted] has additional questions related to the credit bureau reporting, then he will need to contact the respective credit reporting agencies.
 
Resurgent utilizes third party collection agencies to service accounts on its behalf.  These accounts have been placed with various collection agencies since LVNV’s acquisition.  Any notification requirements for these accounts would have been met by these collection agencies. Enclosed for review are copies of the notification letters dated March 12, 2014.  These letters included notification that a “negative credit bureau report reflecting on [[redacted]’s] credit record may be submitted to a credit reporting agency by the current account owner if [[redacted]] fails to fulfill the terms of [his] credit obligations.”
 
Resurgent follows all applicable state laws regarding collections activities.
 
In the letter to the Revdex.com dated April 10, 2014, Complaint ID [redacted], [redacted] was provided instructions regarding what to do if he did not believe this was his account or he believed he paid the debt prior to LVNV’s purchase. [redacted] did not file an identity theft affidavit, nor did he provide proof of payment on these accounts. 
 
[redacted] called Resurgent on November 7, 2014 and requested a settlement amount on these accounts and wanted the LVNV tradelines deleted from his credit report. We have a responsibility to report accurately; therefore, Resurgent does not offer a pay for delete option. The Resurgent representative offered $900.00 to settle each account. [redacted] countered with offering $300.00 for each account. The counter offer was not accepted and the call was ended. 
If [redacted] decides to accept the offer to settle in full for $900.00 for account ending in [redacted] and $900.00 for account ending in [redacted] we are happy to extend a payment plan of $300.00 a month for each account. The first payments will be due January 7, 2015; the second payments due February 7, 2015; the final payments due March 7, 2015.  Upon confirmation that funds have cleared the banking system, both accounts will be updated to "settled in full" and a request to update each of the LVNV tradelines 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] in order to make payments by phone.  If mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this account.
                        Resurgent Capital Services L.P.
                        [redacted]
                        Greenville, SC 29603
If payment is not received by the 7th of each month beginning January 2015, this account may be placed for further collection activity, and this settlement agreement may be re-evaluated.
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.                      
 
Enclosure(s)

February 17, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account...

Number: [redacted] Reference Number: [redacted] Current Balance: $15,901.62 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 August 25, 2010. As of the date of this communication, the account balance is $15,901.62. Please review the following account information: 1. This account originated on September 23, 2001 with [redacted] and was opened with [redacted]. 2. This account charged off on April 30, 2009 with a balance of $12,607.39. 3. The last payment in the amount of $5.00 was received on October 8, 2014. 4. One payment has been received on this account since Resurgent started servicing it in August 2010. 5. Please find attached bill statements 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 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. Please find enclosed three letters containing validation sent to **. [redacted] on July 5, 2012, July 9, 2012 and July 31, 2012. Receipt of this complaint is the first written communication that Resurgent has received from **. [redacted] regarding the above-referenced account. Resurgent received the electronic dispute that **. [redacted] submitted through the consumer reporting agencies. Resurgent responded to the dispute in the adequate time by providing the corresponding information to the respective consumer reporting agencies. [redacted]’s Revdex.com inquiry contained 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. [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]’s responsibility for the balance due on this account. In **. [redacted]’s inquiry, she also stated that there was information on her credit report showing account numbers ending in [redacted] and [redacted]. Please ask her to send a copy of her credit report showing these two accounts so that we can investigate. 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] 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(s)

December 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 December 16, 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.
 
Resurgent would like to thank [redacted] for bringing this matter to our attention.  After investigating the account, the last three late fees totaling $105.00 have been removed from her account.  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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

December 16, 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]
 
Dear[redacted]
 
This letter is in response to your correspondence dated December 1, 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 subsequently sold by [redacted], LLC on or about November 30, 2011.
We have reviewed [redacted] account and his account is “paid in full”. This account is not reporting to the three major consumer reporting agencies. Additionally, a request to satisfy the judgment has been submitted. Enclosed is the Notice of Satisfaction that was sent through UPS to the General District Court of [redacted]. The tracking number for the Notice of Satisfaction is [redacted]. We apologize for any inconvenience [redacted] has experienced with regards to 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)%3%3

December 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]
            Original Creditor:        [redacted], Inc.
            Current Owner:           LVNV Funding LLC
            Account Number:        [redacted]
            Reference Number:     [redacted]
 
Dear [redacted]
 
This letter is in response to your correspondence dated December 16, 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], Inc. on or about September 29, 2014. Please review the following account information:
 
This account originated on August 15, 2011 with [redacted], Inc.
This account charged off on March 30, 2012.
The last payment in the amount of $127.10 was received on November 20, 2014.
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”).
 
We have reviewed [redacted] account and her account was updated “settled in full” on November 24, 2014. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. As a courtesy, a request to delete LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle.
 
If you have any further questions, comments or concerns, please contact Customer Service at[redacted].
 
Sincerely,
 
[redacted]
Compliance Department         
Resurgent Capital Services L.P.

[redacted] Toll Free Phone[redacted] Greenville, SC 29601 Toll Free Fax[redacted] Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM November 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] Reference Numbers:[redacted]
Dear [redacted]: This letter is in response to your correspondence dated November 17, 2014 regarding the referenced consumer. LVNV Funding LLC ("LVNV") owns these two accounts for [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of these accounts owned by LVNV. Please review the following account information: Account No. [redacted] Reference No. [redacted] Original Creditor: [redacted] 1. This account originated on May 4, 2008 with [redacted] and was opened with Express. 2. This account charged off on September 2, 2009 with a balance of $454.96. 3. This account was purchased from [redacted] on September 25, 2012. 4. The last payment in the amount of $50.00 was received on June 3, 2009. 5. No payments have been received on this account since Resurgent started servicing it in September 2012. 6. The current balance of this account is $738.01. 7. We have confirmed that your account is still within your state’s statute of limitations. 8. Enclosed is an account summary. Account No. [redacted] Reference No.[redacted] Original Creditor:[redacted] 1. This account originated on February 2, 2008 with [redacted] 2. This account charged off on May 19, 2009 with a balance of $805.39. 3. This account was purchased from [redacted] on September 25, 2012. 4. No payments have been received on this account since Resurgent started servicing it in September 2012. 5. The current balance of this account is $1,319.31. 6. [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. 7. Enclosed is an account summary. All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditors may also continue to report the history of these accounts 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. 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. Resurgent utilizes third party collection agencies to service accounts on its behalf. These accounts have been placed with various collection agencies since LVNV’s acquisition. Any notification requirements for these accounts would have been met by these collection agencies. 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. If, after review of the above referenced information, [redacted] believes these accounts are 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.pdf. If these accounts were 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 the previous creditors concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT11/20/2014 12:17:26 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted] State: [redacted]Zip Code: [redacted] Account Number XXXXXXXXXXXXX[redacted]Merchant [redacted]Date of Last Payment 06/03/2009Current Balance SummaryOwed Collected BalancePrincipal $454.96 - $454.96Interest $283.05 - $283.05Total $738.01 - $738.01[redacted] The current balance due on this account is: $738.01 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 05/04/2008The account charge-off date was: 09/02/2009The account charge-off amount was: $454.96The account was acquired on or about: 09/25/2012The account was acquired from: [redacted]The account balance at time of acquisition: $503.22This 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 1ACCOUNT SUMMARY REPORT11/20/2014 12:08:15 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted]State: ** Account Number XXXXXXXXXXX[redacted]Zip Code: [redacted] Date of Last Payment 10/17/2008Current Balance SummaryOwed Collected BalancePrincipal $805.39 - $805.39Interest $513.92 - $513.92Total $1,319.31 - $1,319.31[redacted] The current balance due on this account is: $1,319.31 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 02/02/2008The account charge-off date was: 05/19/2009The account charge-off amount was: $805.39The account was acquired on or about: 09/25/2012The account was acquired from: [redacted]The account balance at time of acquisition: $903.68This 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 %3

Please see the attached response.April 13, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE[redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear [redacted]: This letter is in response to the additional concerns submitted by [redacted] dated April 6, 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 have confirmed that [redacted]’s account is still within her state’s statute of limitations. The statute of limitations is calculated from the date of the last payment. The account balance is still collectible. The last payment in the amount of $15.00 was received on April 18, 2013. A total of eight payments have been made on this account in $15.00 installments between May of 2012 and April of 2013 for a total of $120. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted], ** [redacted] and/or [redacted] concerning her dispute, it may help with our investigation, so please have 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]-[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.

January 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]
            Reference Number:  [redacted]
 
Dear [redacted]:
 
This letter is in response to the additional concerns submitted by [redacted] dated January 21, 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.
 
After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, the account has been closed. Additionally, the LVNV tradeline is not reporting to the consumer reporting agencies. 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.

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

December 3, 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 25, 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.
Resurgent received multiple disputes that [redacted] submitted electronically through the consumer reporting agencies (also known as “credit bureaus”). Resurgent responded to each one in the adequate time by providing the corresponding information to the respective credit bureaus.
In the previous response dated November 17, 2014, [redacted] was provided the terms and conditions and bill statements from this account. Some of the bill statements reflect the address which she supplied on her Revdex.com inquiry. [redacted] was given the opportunity if she did not believe that this was her account to fill out an identity theft affidavit. Resurgent has not received an identity theft affidavit from [redacted].
Based on the account history, the tradeline will not be deleted; however, it will be updated as disputed to the three major consumer reporting agencies during the next reporting cycle. It will continue to report as such for the remaining reporting period unless new facts require a change.
 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
 
Sincerely,
 
[redacted]
Compliance Department                                   ...⇄ Resurgent Capital

[redacted] Toll Free Phone[redacted]
Greenville, SC 29601 Toll Free Fax [redacted]
Hours of Operation
Monday-Thursday 8:00AM-7:00PM
Friday 8:00AM-5:00PM
November 4, 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: $5,835.96
Dear [redacted]:
This letter is in response to your correspondence dated October 28, 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 September 23, 2011. As of the date of this
communication, the account balance is $5,835.96. Please review the following account information:
1. This account originated on April 2, 2006 with [redacted] and was opened with [redacted]
2. This account charged off on December 21, 2008.
3. No payments have been received on this account since Resurgent started servicing it in
September 2011.
4. An account summary and an account itemization are enclosed 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.
Verification of debt with validation was mailed to you on September 10, 2012, January 14, 2013, and
June 30, 2014 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Copies of these
letters are enclosed for your review.
Per our telephone conversation with [redacted] on November 3, 2014, unfortunately Resurgent is
unable to order documents from the previous owner. Hard copies of the business records are no longer
available. Resurgent relies upon the accuracy of the legal seller’s electronic records kept in the normal
course of business. However, per Ms. Hudson’s request please review the following settlement offer:
Resurgent offers to settle in full for $1,500.00. The settlement may be broken into monthly payments of
$75.00 until the debt is satisfied. Upon confirmation that all the 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 November 28, 2014, 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 you have any further questions, comments or concerns, please contact Customer Service at [redacted]
Sincerely,
[redacted]
Compliance Department
Resurgent Capital Services L.P.
Enclosures
AcctID [redacted]
Beginning Bal 5,238.48
Accruals 597.48
Payments -
Current Bal 5,835.96
Rate 0.06
TranID TranCode Cash Amount Post Date Prin Bal Int Bal
- Beginning Bal - - 3,133.05 2,105.43
[redacted] Bring-interest-to-date - 9/27/2011 3,133.05 2,119.34
[redacted] Bring-interest-to-date - 11/9/2011 3,133.05 2,141.49
[redacted] Bring-interest-to-date - 8/20/2012 3,133.05 2,287.87
[redacted] Bring-interest-to-date - 9/10/2012 3,133.05 2,298.66
[redacted] Bring-interest-to-date - 10/23/2012 3,133.05 2,320.75
[redacted] Bring-interest-to-date - 1/14/2013 3,133.05 2,363.50
[redacted] Bring-interest-to-date - 2/28/2013 3,133.05 2,386.68
[redacted] Bring-interest-to-date - 6/7/2013 3,133.05 2,437.67
[redacted] Bring-interest-to-date - 10/14/2013 3,133.05 2,504.11
- Current - - 3,133.05 2,702.91
- 3,133.05 2,702.91
Total Bal Accrual
5,238.48 -
5,252.39 13.91
5,274.54 22.15
5,420.92 146.38
5,431.71 10.79
5,453.80 22.09
5,496.55 42.75
5,519.73 23.18
5,570.72 50.99
5,637.16 66.44
5,835.96 198.80
5,835.96 597.48
ACCOUNT SUMMARY REPORT
11/4/2014 9:55:17 AM
This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It
is not a credit card or other account statement from the original creditor.
Borrower Information Current Account Information
Name: [redacted] Owner LVNV Funding LLC
Address: [redacted] Resurgent Reference # [redacted]
City: [redacted] Original Creditor [redacted]
State: ** Account Number XXXXXXXXXX[redacted]
Zip Code: [redacted]
Date of Last Payment 08/05/2008
Current Balance Summary
Owed Collected Balance
Principal $3,133.05 - $3,133.05
Interest $2,702.91 - $2,702.91
Total $5,835.96 - $5,835.96
[redacted] The current balance due on this account is: $5,835.96 [redacted]
Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary
from day to day, authorized persons may contact us at[redacted] to obtain up-to-date balance information.
Historical Account Information
The original creditor for this account was: [redacted]
The origination date with original creditor was: 04/02/2006
The account charge-off date was: 12/21/2008
The account was acquired on or about: 09/23/2011
The account was acquired from: [redacted] LLC
The account balance at time of acquisition: $5,238.48
This 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