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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Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.March 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] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,179.52 Dear [redacted] This letter is in response to your correspondence dated March 11, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] ("[redacted]") on or about February 19, 2008. As of the date of this communication, the account balance is $1,179.52. Please review the following account information: 1. This account originated on August 26, 2006 with [redacted]. and was opened with [redacted]. 2. This account charged off on January 31, 2008. 3. The last payment in the amount of $16.00 was received on August 15, 2007. 4. No payments have been received on this account since Resurgent started servicing it in February 2008. 5. Enclosed are the credit application 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, LVNV is not reporting the account to the major consumer reporting agencies. 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. 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 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
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: $856.64
Dear [redacted]:
This letter is in response to your correspondence dated October 23, 2014 regarding the above referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted] Resurgent Capital Services LP (“Resurgent”) is the servicer of the account owned by LVNV. 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. We do not have nor have we ever had an F rating with the Upstate South Carolina Revdex.com.
The account was previously sold by [redacted] on or about April 8, 2011. As of the date of this communication, the account balance is $856.64. Please review the following account information:
This account originated on July 22, 2008 with [redacted]
This account charged off on November 3, 2009 with a balance of $706.36.
The last payment in the amount of $50.00 was received on March 15, 2009.
No payments have been received on this account since Resurgent started servicing it in April 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.
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.
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.
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.
Enclosed please find a bill statement and 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)
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 12, 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 has confirmed that the letter sent to [redacted] did provide debt validation. 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 ...⇄ R
November 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]
Previous Creditor: [redacted]
Original Creditor: [redacted]
Current Owner: LVNV Funding LLC
Account Number: [redacted]
Reference Number: [redacted]
Current Balance: $1,351.05
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 December 10, 2008. As of the date of this communication, the account balance is $1,351.05. Please review the following account information:
This account originated on January 14, 2008 with [redacted]
This account charged off on November 20, 2008 with a balance of $619.99.
The last payment in the amount of $40.00 was received on March 21, 2008.
No payments have been received on this account since Resurgent started servicing it in December 2008.
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.
Please find enclosed a bill statement and an account summary. 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.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 dispute, it may help with our investigation, so please have him 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]
Previous Creditor: [redacted]
Original Creditor: [redacted]
Current Owner: LVNV Funding LLC
Account Number: [redacted]
Reference Number: [redacted]
Current Balance: $930.63
Dear [redacted]
This letter is in response to your correspondence dated November 10, 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 June 13, 2014. As of the date of this communication, the account balance is $930.63. Please review the following account information:
This account originated on May 19, 2011 with [redacted]
This account charged off on May 25, 2014 with a balance of $856.91.
The last payment in the amount of $25.00 was received on March 2, 2014.
No payments have been received on this account since Resurgent started servicing it in June 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”). 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.
Resurgent received a dispute that [redacted] submitted electronically through one of the consumer reporting agencies. Resurgent responded to the dispute in the adequate time by providing the corresponding information to the respective credit bureau.
[redacted] mentions that her credit report shows this as a new account. The term “open” appearing on her credit report does not literally mean that the account is open or can be used. This information is one of the data reporting requirements set by the credit bureaus of providing a “portfolio type,” which is reported 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 balance is delinquent and due.
Resurgent utilizes third party collection agencies to service accounts on its behalf. This account was placed with [redacted] LLC. Enclosed please find the letter from [redacted] LLC containing debt validation that was sent.
Please find enclosed terms and conditions of the account and bill statements from this account. The bill statement for December 25, 2013 to January 24, 2014 reflects the same address as [redacted] listed on her Revdex.com complaint.
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] LLC 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%2
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted]
January 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]...
[redacted], [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $539.86 Dear [redacted] This letter is in response to your correspondence dated January 6, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about September 12, 2014. As of the date of this communication, the account balance is $539.86. Please review the following account information: 1. This account originated on December 31, 2013 with [redacted], [redacted] 2. This account charged off on August 6, 2014 with a balance of $511.28. 3. No payments have been received on this account since Resurgent started servicing it in September 2014. 4. Billing statements, the terms and conditions, and an account summary for this account 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 (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. 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] 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]
[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosures
February 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] Original Creditor: [redacted] Current Owner: LVNV Funding...
LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,691.52 Dear [redacted] This letter is in response to your correspondence dated February 5, 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 9, 2009. As of the date of this communication, the account balance is $1,691.52. Please review the following account information: 1. This account originated on October 11, 2008 with [redacted] 2. This account charged off on May 19, 2009 with a balance of $844.38. 3. No payments have been received on this account since Resurgent started servicing it in June 2009. 4. Please find 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. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. We would like to offer to settle this account in full for $400.00. The settlement may be broken into three monthly payments, two payments in the amount of $133.00 and one in the amount of $134.00. 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 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 5, 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]
Dear [redacted]:
This letter is in response to your correspondence dated October 31, 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 November 26, 2008.
We have reviewed the account and determined that this account was “settled in full” on September 2, 2014. 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” was submitted to the three major consumer reporting agencies on or about September 30, 2014.
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 10, 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 30, 2011.
We have reviewed this account and it was updated to “settled in full” on November 21, 2011. 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” was submitted to the three major consumer reporting agencies (also known as “credit bureaus”) on November 27, 2011. As a courtesy, a request to delete the 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.
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.March 31, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No....
[redacted] 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 March 25, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] LLC ([redacted]") on or about September 23, 2011. Please review the following account information: 1. This account originated on May 25, 2007 with [redacted] and was opened with [redacted]. 2. This account charged off on January 9, 2009. 3. The last payment in the amount of $40.47 was received on July 31, 2012. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting agencies. 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. A judgment was obtained April 21, 2010 in the [redacted] County Civil Court, ** with case number **-[redacted]. Enclosed is a copy of the 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 her dispute or challenge to the source of the information. Our records indicate the judgment was vacated. Enclosed is a copy of the Order to Vacate the judgment for your review. We have verified this account was settled in full due to payments received totaling $1,909.53. The status of the account was updated to "Settled in Full" on December 2, 2014. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure
December 4, 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]
Previous Creditor: [redacted]
Original Creditor: [redacted]
Current Owner: LVNV Funding LLC
Account Number: [redacted]
Reference Number: [redacted]
Current Balance: $4,369.68
Dear [redacted]:
This letter is in response to your correspondence dated December 2, 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 September 23, 2011. As of the date of this communication, the account balance is $4,369.68. Please review the following account information:
This account originated on February 5, 2008 with [redacted] and was opened with [redacted].
This account charged off on September 23, 2008.
No payments have been received on this account since Resurgent started servicing it in September 2011.
All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). 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.
Please find an account summary enclosed. 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.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] concerning his dispute, it may help with our investigation, so please have him forward it to:
Compliance Department or Fax: [redacted]
[redacted]
P.O. Box 10497
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)
[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 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] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number:[redacted] Current Balance: $1,511.40 Dear [redacted] This letter is in response to your correspondence dated October 27, 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 November 26, 2008. As of the date of this communication, the account balance is $1,511.40. Please review the following account information: 1. This account originated on June 9, 2006 with [redacted] and was opened with [redacted]. 2. This account charged off on October 24, 2008, with a balance of $620.61. 3. No payments have been received on this account since Resurgent started servicing it in November 2008. 4. Billing statements and an account summary 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”). As 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 received a dispute on July 30, 2012 that [redacted] submitted electronically through the consumer reporting agencies. Resurgent responded to 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 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. 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. 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 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. Enclosures ACCOUNT SUMMARY REPORT11/3/2014 9:48:46 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: RENAE BOROWSKI Owner LVNV Funding LLCAddress: 10730 Blossom Ave Resurgent Reference # 346661256City: Parma Heights Original Creditor General Electric Capital State: OH CorporationZip Code: 44130-4421 Account Number XXXXXXXXXXXX1697Merchant [redacted]Date of Last Payment 07/26/2008Current Balance SummaryOwed Collected BalancePrincipal $1,032.67 - $1,032.67Interest $478.73 - $478.73Total $1,511.40 - $1,511.40[redacted] The current balance due on this account is: $1,511.40 [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 1-888-665-0374 to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: General Electric Capital CorporationThe origination date with original creditor was: 06/09/2006The account charge-off date was: 10/24/2008The account charge-off amount was: $620.61The account was acquired on or about: 11/26/2008The account was acquired from: GE Money BankThe account balance at time of acquisition: $1,032.67This 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
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] Current Balance: $9,409.84 Dear [redacted] This letter is in response to your correspondence dated February 9, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about July 20, 2010. As of the date of this communication, the account balance is $9,409.84. Please review the following account information: 1. This account originated on December 4, 2005 with [redacted] and was opened with [redacted]. 2. This account charged off on June 30, 2010 with a balance of $4,989.23. 3. The last payment in the amount of $192.00 was received on March 7, 2010. 4. No payments have been received on this account since Resurgent started servicing it in July 2010. 5. Please find enclosed the credit application and bill statement for your reference. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, 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, a request to update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent 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. On February 16, 2015, we received a call from [redacted] wanting to settle this account. We appreciate [redacted]’s willingness to pay this account and accept his offer to settle in full for $2,000.00. The settlement may be broken into monthly payments of $100.00 over the next 20 months. 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] 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 15th of each month, starting March 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. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.
Resurgent has not acknowledged or addressed the fact that it took over 2 years to obtain a satisfaction of judgement. Resurgent's response was that I should contact the credit reporting companies. That isn't the problem or the issue. The problem is that they never obtained a satisfaction of judgment even though I paid off the judgement over two years ago.
Regards,
[redacted]
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]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,483.70 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 November 17, 2009. As of the date of this communication, the account balance is $2,483.70. Please review the following account information: 1. This account originated on September 4, 2002 with [redacted]. 2. This account charged off on October 11, 2009 with a balance of $1,224.60. 3. The last payment in the amount of $148.00 was received on February 27, 2009. 4. No payments have been received on this account since Resurgent started servicing it in November 2009. 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. Resurgent received the multiple electronic disputes that [redacted] submitted through the consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. The “Date of First Delinquency” marks the beginning of the time period for which negative information may remain on a credit bureau report. For a charged-off account, the Date of First Delinquency is the first date of the delinquency that led to the charge-off as determined by the original creditor, but is not necessarily the first time the account was delinquent. This date is reported in accordance with the requirements of the Fair Credit Reporting Act (“FCRA”). The Date of First Delinquency for this account is April 9, 2009. The tradeline will be deleted on or before January 9, 2016. The term “open” in [redacted] credit report does not literally mean that the account is open or can be used. That information is one of the data reporting requirements set by the consumer reporting agencies and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon demand. This is an accurate description of the account, which was charged off and therefore the entire balance is delinquent and due. If [redacted] has additional questions related to the credit bureau reporting, then he will need to contact the respective consumer reporting agencies. [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. Please find enclosed the letters containing validation dated September 14, 2010, October 4, 2010, November 3, 2010, November 7, 2010, November 19, 2010, June 7, 2013 and January 1, 2014. The address on the letters is the same address [redacted] supplied on his Better Business inquiry. Resurgent follows all applicable federal and state laws regarding collections activities. 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]. 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.
Revdex.com:I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me. Regards, [redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. I originally opened the [redacted] account in June 2007 during a special promotion over Father's Day weekend. The offer was 1 year, no-interest on purchases if the amount was paid off within one year of the purchase. I paid the balance of the account IN FULL in April 2008, LESS THAN one year after purchase. Although the credit history does not presently show all entries dating back to the beginning of the debt in July 2007, it did show that I made on-time payments except for 1 month for the entire length of the debt. And I made no other purchases with that account after the initial purchase.
Despite that, [redacted] claimed additional charges, not honoring the terms of their original offer, AFTER I was given the final payment amount and paid that balance, which I disputed. That is reflected in the account history shown on my credit report with the supposedly late payments beginning in May 2008. However, [redacted] CHARGED OFF the amount in question less than 6 months later, which rendered my balance with them to $0 owed.
LVNV then bought it from [redacted] about that same time. It is my understanding that LVNV is a company that buys old debt from other credit companies and attempts to collect on it, even if the debt has been settled with or written off by the original creditor. This appears to be the case in this instance. I am presently involved with a separate dispute regarding LVNV. Having this on my credit report for this entire time has caused substantial damage to my credit scores at all three credit reporting agencies.
Due to the age of the debt, I no longer have any supporting documentation unfortunately.
Regards,[redacted]
[redacted]
Greenville, SC 29601 Toll Free Fax [redacted]
Hours of Operation
Monday-Thursday 8:00AM-7:00PM
Friday 8:00AM-5:00PM
November 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]
Previous Creditor: [redacted]
Original Creditor: [redacted]
Current Owner: LVNV Funding LLC
Account Number: [redacted]
Reference Number: [redacted]
Current Balance: $1,749.94
Dear [redacted]
This letter is in response to your correspondence dated October 27, 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 April 15, 2009. As of the date
of this communication, the account balance is $1,749.94. Please review the following account
information:
1. This account originated on November 11, 2007 with [redacted] and was opened
with [redacted] Internet.
2. This account charged off on March 31, 2009.
3. The last payment in the amount of $64.00 was received on July 14, 2008.
4. No payments have been received on this account since Resurgent started servicing it in April
2009.
5. An account summary is 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.
Resurgent utilizes third party collection agencies to service accounts on its behalf. This account has been
placed with various collection agencies since LVNV’s acquisition. Any notification requirements for this
account would have been met by these collection agencies.
If, after review of the above referenced information, [redacted] believes this account is fraudulent, we ask
that he 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]
Internet concerning his dispute, it may help with our investigation, so please have him 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
ACCOUNT SUMMARY REPORT
11/3/2014 9:28:59 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 XXXXXXXXX[redacted]
Zip Code: [redacted] Merchant [redacted] Internet
Date of Last Payment 07/14/2008
Current Balance Summary
Owed Collected Balance
Principal $1,324.80 - $1,324.80
Interest $425.14 - $425.14
Total $1,749.94 - $1,749.94
[redacted] The current balance due on this account is: $1,749.94 [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: 11/11/2007
The account charge-off date was: 03/31/2009
The account was acquired on or about: 04/15/2009
The account was acquired from: [redacted])
The account balance at time of acquisition: $1,324.80
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
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
This was charged off in 2008 and" bought out" by this company that wants to make money on it. I do not owe [redacted] and the debt is 8 years old. I want it eradicated and my credit score fixed immediately. [redacted]
Regards,
[redacted]