Resurgent Capital Services LP

November 25, 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 17, 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.  We apologize for any inconvenience experienced regarding this account.
 
Acct No. [redacted]
Reference No.[redacted]
Original Creditor: [redacted]
 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
 
Sincerely,
[redacted]
Compliance Department                                   ...⇄
Resurgent Capital Services L.P.

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. 
In my last response I stated I would only accept the response when the account was removed from my credit reports.  I am attempting to acquire a mortgage and with this on my report it is impossible.  The company stated it would be removed on the next reporting cycle.  This is unacceptable.  I just checked my reports and it is still reflected.  I know it can be removed immediately.  Once this is accomplished, then and only then, will I accept the response. 
Regards,
[redacted]

December 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 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.
 
Please ask [redacted] to send the document he referenced from [redacted] through the Revdex.com portal regarding this account. Once received, we will investigate this matter further.
 
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 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]
            Reference Number:  [redacted]
 
Dear [redacted]:
 
This letter is in response to the additional concerns submitted by [redacted] dated February 2, 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.
 
Resurgent would like to thank [redacted] for bringing this matter to our attention. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these findings, the account has been closed. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience experienced regarding this account.
 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
 
Sincerely,
[redacted]
Compliance Department                                             
Resurgent Capital Services L.P.                      
 
cc:  [redacted]

March 3, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current...

Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated February 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 February 16, 2011. Please review the following account information: 1. This account originated on May 14, 2007 with [redacted] 2. This account charged off on January 20, 2011 with a balance of $734.75. 3. The last payment in the amount of $734.75 was received on July 3, 2013. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account to “Account Paid in Full for less than the Full Balance” was submitted to the three major consumer reporting agencies on or about August 14, 2013. Reporting was subsequently deleted on or about November 13, 2013. Currently, LVNV is not reporting the account to the major consumer reporting agencies. We are unable to alter the credit bureau reporting of another creditor. [redacted] should contact the respective consumer reporting agencies regarding information he/she believes is being reported in error. A judgment was obtained June 7, 2013 in [redacted] District Court with case numbe[redacted]. Enclosed is a copy of the judgment and Satisfaction of Judgment entered on July 25, 2013 for [redacted]’s review. We are not the source of public record information reported by consumer reporting agencies. If [redacted] wishes to dispute or challenge public record entries, we recommend that he/she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. We have verified this account was settled in full on July 3, 2013 for $734.75. 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. 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.  Despite the fact that LVNV admits that the account was settled in full, and despite the statement that the account is not reported, LVNV or its affiliates is in fact reporting to the credit bureaus. The most recent activity from Equifax is dated 11/04/2014 with an unpaid balance.These are grounds for a lawsuit and I woul like it to be corrected immediately.
Regards,[redacted]

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]
            Current Balance:          $1,170.04
 
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 July 1, 2013.  As of the date of this communication, the account balance is $1,170.04.  Please review the following account information:
 
This account originated on May 2, 2007 with [redacted]
The last payment in the amount of $172.14 was received on November 4, 2014.
 
Please note that Resurgent is not required to furnish billing statements and that they are provided as a courtesy only.  While we understand [redacted]’ frustration, lack of a statement does not affect the debtor’s responsibility to make timely payments.  After investigating [redacted]’ account, it appears that any prior technical issues with the issuing of statements for this account has been resolved and [redacted] should have no further problems.
 
If you have any further questions, comments or concerns, please contact Customer Service at [redacted].
 
Sincerely,
[redacted]
Compliance Department                                   ...⇄
Resurgent Capital Services L.P.

January 21, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding...

LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $357.38 Dear [redacted] This letter is in response to your correspondence dated January 12, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about November 7, 2012. As of the date of this communication, the account balance is $357.38. Please review the following account information: 1. This account originated on February 18, 1988 with [redacted] 2. This account charged off on October 20, 2008. 3. No payments have been received on this account since Resurgent started servicing it in November 2012. 4. Please see 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”). Since the legal time limit for bureau reporting is approaching on this account, a request to delete LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent utilizes third party collection agencies to service accounts on its behalf. This account has been placed with various 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...⇄ 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] 
[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 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 Number: [redacted]
 
Dear [redacted]:
 
This letter is in response to the additional concerns submitted by [redacted] dated November 19, 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. 
In our original response dated July 3, 2014, not only did we indicate that her complaint dated June 27, 2014 was our first communication with [redacted], we also informed [redacted] that 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 on March 10, 2009.  Any notification requirements for this account would have been met by these collection agencies.  [redacted] was initially sent correspondence on November 20, 2009 along with a settlement offer in preparation for tax season on January 3, 2010.   However, due to the age of the account the letters sent to [redacted] by our third party servicers are no longer available.
As for [redacted] concern that she was denied access to her credit reports, we are not affiliated with the credit reporting agencies.  [redacted] would need to direct her concern directly to the credit reporting agencies. 
If you have any further questions, comments or concerns, please contact Customer Service at[redacted].
 
Sincerely,
[redacted]
Compliance Department                                   ...⇄ R

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. 
First of all, LVNV Funding AKA Resurgent Capital Services received my certified letter requesting validation on October 14, 2014.  I never received their response within the specified 30 days and their is no evidence they mailed it.  According to [redacted] Finance Code Section 392.202 debt collectors have 30 days to respond to a debt validation request.  Furthermore, they never ceased collection activity on this account during the validation period.  According to FDCPA Section 809(b) a debt collector MUST cease collection activity until account in question has been verified.  That never happened.  LVNV Funding continued collection activity on this account.  Credit bureau reporting is considered collection activity. 
As it stands, LVNV Funding AKA Resurgent Capital Services has already violated state and federal consumer protection laws.  At this point, I am already entitled to statutory damages resulting from their willful negligence.  However, I am respectfully requesting that they do the right thing and delete the trade-line and cease collection of this account.  I am making every effort to resolve this matter without taking legal action and presenting this matter in a courtroom before a jury in my community.Regards,[redacted] %

March 2, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...

[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $5,707.09 Dear [redacted] This letter is in response to your correspondence dated February 23, 2015 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about September 18, 2001. As of the date of this communication, the account balance is $5,707.09. Please review the following account information: 1. This account originated with [redacted] and was opened with [redacted]. 2. This account charged off on March 5, 2000. 3. The last payment was received on May 4, 1998. 4. No payments have been received on this account since Resurgent started servicing it in September 2001. 5. Please find enclosed 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 utilizes third party collection agencies to service accounts on its behalf. This account has been placed with various collection agencies since LVNV’s acquisition. Any notification requirements for this account would have been met by these collection agencies. Our records indicate the compliant [redacted] submitted to this office on February 23, 2015 demands that we cease communication with her. When a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted], [redacted] 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

[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 26, 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] Current Owner: LVNV Funding LLC Account Number:[redacted] Reference Number:[redacted] Current Balance: $13,079.72 Dear[redacted]: This letter is in response to your correspondence dated November 24, 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 27, 2009. As of the date of this communication, the account balance is $13,079.72. Please review the following account information: 1. This account originated on February 24, 2006 with [redacted] 2. This account charged off on July 29, 2008 with a balance of $9,800.50. 3. The last payment in the amount of $156.02 was received on October 29, 2007. 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”). 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 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. [redacted] letter asserts that LVNV “re-ages” accounts. We believe she means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrect. It is likely that she believes that the “Open Date” is used as the starting point in the calculation of the seven year period that her debt's derogatory account can remain on her credit report. This is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchased. The “Open Date” is not used in calculating the seven year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven year reporting period. The “Date of First Delinquency” for this account is March 29, 2008. Our records indicate a lawsuit was filed in the [redacted] Office, [redacted], Case No[redacted] and was dismissed without prejudice. The dismissal means the case could have been re-filed at a future date if the statute of limitations for seeking legal action had not already expired. However, the account balance is still collectible. Expiration of the statute of limitations does not invalidate the obligation or your 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. Enclosure ACCOUNT SUMMARY REPORT11/26/2014 1:30:41 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: Middle River Original Creditor [redacted].State: MD Account Number [redacted]Zip Code:[redacted] Date of Last Payment 10/29/2007Current Balance SummaryOwed Collected BalancePrincipal $9,800.50 - $9,800.50Interest $3,279.22 - $3,279.22Total $13,079.72 - $13,079.72[redacted] The current balance due on this account is: $13,079.72 [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: 02/24/2006The account charge-off date was: 07/29/2008The account charge-off amount was: $9,800.50The account was acquired on or about: 04/27/2009The account was acquired from: [redacted].The account balance at time of acquisition: $9,800.50This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.

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] Reference Numbers: [redacted], [redacted] Dear [redacted]: This...

letter is in response to your correspondence dated February 11, 2015 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the two above-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 Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on August 13, 2007 with [redacted]. 2. This account charged off on February 14, 2008. 3. This account was purchased from [redacted], LLC on September 23, 2011. 4. The last payment in the amount of $70.00 was received on October 14, 2007. 5. No payments have been received on this account since Resurgent started servicing it in September 2011. 6. The current balance of this account is $331.70. 7. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired for these accounts. However, the account balances are still collectible as expiration of the statute of limitations does not invalidate the obligation or [redacted]’s responsibility for the balances due on these accounts. 8. Please find enclosed an account summary for your review. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted]. 1. This account originated on March 24, 2007 with [redacted]. and was opened with [redacted] Inc. 2. This account charged off on May 31, 2008. 3. This account was purchased from [redacted], LLC on September 23, 2011. 4. The last payment in the amount of $167.00 was received on May 2, 2014. 5. One payment has been received on this account since Resurgent started servicing it in September 2011. 6. The current balance of this account is $581.80. 7. A judgment was obtained June 28, 2013 in the State of [redacted] 40th District Court, [redacted] County with case number [redacted]. Our records indicate [redacted] was served the summons and complaint on May 28, 2013. Enclosed is a copy of the proof of service and judgment for your review. Additionally, we have confirmed that your account is still within your state’s statute of limitations. Due to the judgment on this account the life of the unsatisfied judgment is until June 28, 2023 therefore the account remains collectible. We are not the source of public record information reported by consumer reporting agencies. If you wish to dispute or challenge public record entries, we recommend that you contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditors. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, LVNV is not reporting these accounts to the major consumer 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. Resurgent follows all applicable federal and state laws regarding collections activities. 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...⇄ 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.

March 2, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...

[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated February 24, 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 February 12, 2013. Please review the following account information: 1. This account originated on October 23, 2010 with [redacted] Nevada, N.A. 2. This account charged off on January 31, 2013 with a balance of $20.65. 3. The last payment in the amount of $146.62 was received on February 15, 2013. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV as “Account Paid in Full for Less than the Full Balance”. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Account Paid in Full for Less than the Full Balance” was submitted to the three major consumer reporting agencies on April 23, 2013. [redacted]’s complaint requests validation of debt, we have verified this account was settled in full on February 15, 2013 for $146.62. The status of the account was updated to "Settled in Full" on February 21, 2013. The account is considered resolved in our office. Additionally, 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. Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. 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. However, 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. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience experienced regarding this account. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.

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] Original Creditor: [redacted] (formally known as...

“[redacted]”) Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $4,099.86 Dear [redacted]: This letter is in response to your correspondence dated April 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 June 7, 2013. As of the date of this communication, the account balance is $4,099.86. Please review the following account information: 1. This account originated on May 1, 2008, with [redacted] 2. This account charged off on December 23, 2008, with a balance of $2,481.71. 3. The last payment in the amount of $510.66 was received on July 31, 2008. 4. No payments have been received on this account since Resurgent started servicing it in June 7, 2013. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). However, since the legal time limit for credit bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30-45 days for this update to occur. Resurgent received the 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 validation notice was mailed to [redacted] on October 28, 2014, in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Please find enclosed letter for review. [redacted] obtained a judgment on January 6, 2009, in the Court of Common Pleas of [redacted] County, [redacted] 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 he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. [redacted]’s letter asserts that LVNV “re-ages” accounts. We believe he means the life of the debt has been extended for credit bureau reporting purposes by manipulating data, which is incorrect. It is likely that he believes that the “Open Date” is used as the starting point in the calculation of the seven-year period that his debt's derogatory account can remain on his credit report. This is not the case, because for debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is August 23, 2008. Since the legal time limit for credit bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies as stated above. 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 We hope our response addresses the concerns submitted by [redacted]. If you have any further questions, comments or concerns, please feel free to contact Customer Service at [redacted] and ask that they route you to a member of the Compliance Department. Thank you for your time and attention to this matter. Sincerely, [redacted] Compliance Department

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] Reference Numbers: [redacted] Dear [redacted] This...

letter is in response to your correspondence dated January 5, 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: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted]. 1. This account originated on December 13, 2007 with [redacted]. and was opened with [redacted]. 2. This account charged off on May 31, 2010 with a balance of $1,457.44. 3. This account was purchased from [redacted] on January 28, 2014. 4. No payments have been received on this account since Resurgent started servicing it in January 2014. 5. The current balance of this account is $2,694.74. 6. Enclosed is an account summary. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted]. 1. This account originated on April 7, 2007 with [redacted]. and was opened with [redacted]. 2. This account charged off on April 30, 2010 with a balance of $567.09. 3. This account was purchased from [redacted] on January 28, 2014. 4. No payments have been received on this account since Resurgent started servicing it in January 2014. 5. The current balance of this account is $987.89. 6. Enclosed is an account summary. All ownership rights were transferred to LVNV when these accounts were purchased from the previous creditors. 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, 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 (“servicer”) to service accounts on its behalf. These accounts have been placed with various collection agencies since LVNV’s acquisition. [redacted] LLC was previously servicing these accounts and provided validation of debt notices; please see enclosed notices dated February 20, 2014. The address on the provided notices is the same address listed on [redacted] 
[redacted]’ Revdex.com inquiry. 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 owners 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]
[redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT

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 business is a DEBIT COLLECTION AGENCY. They did not PAY the amount they SAY I OWE which I DO NOT. They PAID A FRACTION OF THE SO CALLED DEBIT.That STATEMENT now shows the DEBIT COLLECTION AGENCY FRAUDI am innocent until proven GUILTY. This ATTEMPT to collect is ILLEGAL and there are laws to protect meTHEY are to remove this claim IMMEDIATIALY or I will take FULL LEGAL ACTION AGAINT THEM including the USPS Post Master General and local the local law enforcement.The law for consumer DEBIT COLLECTION AGENCY protection is clearly being broken in this matter.The documents that have supplied you and I are now on record to prove the FRAUD.
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. 
Regards,
[redacted]

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. 10370214
            Reference Number:  [redacted]
 
Dear [redacted]
 
This letter is in response to the additional concerns submitted by [redacted] dated January 21, 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.
 
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.
 
As stated in the response dated January 12, 2015, Resurgent received a power of attorney notification on June 15, 2012 and we provided validation of debt on June 25, 2012 to the power of attorney. The next letter received by Resurgent was from [redacted] dated March 23, 2014 which provided a demand that we cease communication with him. After receiving [redacted]’s demand for Resurgent to cease communications, a restriction was placed on his account so that no further written or verbal contact was made with him.  
If [redacted] is interested in settling this account, we would like to offer to settle in full for $600.00. The settlement may be broken into three equal monthly payments of $200.00. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “settled in full" and a request to 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.

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]