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 Firstly, I would like to take this opportunity to thank you for your cooperation and quick responses, it is sincerely appreciatedAt this point, I do believe this account to be fraudulentHowever, I am willing to pay this account in full as a demonstration of goodwill under the following conditions: - Resurgent/ LVNV Funding LLC will delete all references to this account from my credit report at all three credit bureaus(EXPERIAN, TRANSUNION, EQUIFAX)The purpose of this settlement is to have this item removed from my credit files, and restore my good name in a timely mannerIt is not to be construed as an acknowledgment of liability for this debt in any formI understand that I may file a police report regarding this matterHowever, for both of our convenience, I would like to offer this settlement before pursuing any legal matters.If you agree to these terms, I will send certified payment in the amount of $in exchange to have all information related to this debt removed from all of my credit filesIf you accept this offer, please prepare a letter on your company letterhead agreeing to the termsPlease have an authorized agent of the company sign this letterThank you for taking the time to consider this offerI appreciate your time and customer service Regards, [redacted]
May 2, [redacted] *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-*** [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number [redacted] Reference Number: [redacted] Current Balance: $4, [redacted] This letter is in response to your correspondence dated April 27, regarding the above-referenced accountLVNV Funding LLC ("LVNV ") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] ***) on or about April 17, As of the date of this communication, the account balance is $4,Please review the following account information: This account originated on August 23, with [redacted] and was opened with [redacted] ** This account charged off on February 29, The last payment in the amount of $was received on August 22, No payments have been received on this account since Resurgent started servicing it in April Please find enclosed the credit application on file for this accountAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, LVNV is not reporting the account to the major consumer reporting agencies [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is August 29, A request to delete the LVNV tradeline was submitted to the consumer reporting agencies on or about December [redacted] April 27, complaint contains language Resurgent has interpreted to mean that we cease communication with himWhen 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 customerIf M [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] *** [redacted] *** If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] [redacted] 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]
RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear Ms [redacted] : This letter is in response to your correspondence dated June 14, 2017, and received July 10, 2017, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on July 13, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 8, with [redacted] *** Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on April 28, This account charged off on June 15, with a balance of $1,No payments have been received on this account since Resurgent started servicing it in July LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is December 14, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in September The enclosed letter containing verification of debt was mailed to Ms [redacted] on January 2, in response to her December 29, disputeAdditionally, we are providing the enclosed bill statements and terms and conditions on file for this accountThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)If, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] Bank (USA), N.AOriginal Creditor: [redacted] ***, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated April 20, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 20, Resurgent [redacted] Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on December 9, with [redacted] ***, N.AThis account charged off on August 6, with a balance of $No payments have been received on this account since Resurgent started servicing it in January Enclosed is an account summary on file for this accountAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through [redacted] or more consumer reporting agenciesResurgent will respond in a timely manner and provide the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent has reviewed the allegation in Ms***’ inquiry that the above referenced account was discharged in bankruptcyOur records indicate that this account was opened after Ms***’ bankruptcies were filed, and therefore was not included in her bankruptcyOur records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on January 25, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customerIf, after reviewing the above-referenced information, Ms [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 matterIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted] Sincerely, TH*** Compliance Department Resurgent [redacted] Services L.PEnclosure(s)
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated June 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 9, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on October 15, with [redacted] *** Bank, N.AThe last payment in the amount of $was received on September 26, This account charged off on May 27, with a balance of $No payments have been received on this account since Resurgent started servicing it in June All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] Bank, N.Acharged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itAdditionally, we have confirmed that Ms***’s account is still within her state’s statute of limitationsResurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one or more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agenciesEnclosed is a copy of the notice that was sent on or about June 12, advising that information may be reported to the consumer reporting agencies if the debt is not paidThe enclosed letters containing verification of debt with validation were mailed to Ms [redacted] on May 3, and May 11, in response to her April 18, inquiryAdditionally, we are providing the enclosed bill statements and terms and conditions on file for this accountThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)Our records indicate that Ms [redacted] submitted a notice requesting that we cease telephone communication with her to this office on May 23, When such a request is received by our office, we place a restriction on the account so that no further telephone contact is made to the customerIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated June 9, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on February 17, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on August 22, with [redacted] *** Bank, N.AThe last payment in the amount of $was received on May 31, This account charged off on January 28, with a balance of $No payments have been received on this account since Resurgent started servicing it in February All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVOur records do not indicate that a request to delete the LVNV tradeline was submitted to any of the consumer reporting agenciesThis account is reporting accuratelyPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputesIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedEnclosed is a copy of the notice that was sent on or about February 18, advising that information may be reported to the consumer reporting agencies if the debt is not paidWe are providing the enclosed bill statements, terms and conditions, and an account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, after reviewing the above-referenced information, Ms [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 matterIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, TH*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by Mr [redacted] received August 16, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Mr [redacted] ’s August 16, disputeOur records indicate that we have already received and responded to a previous inquiry dated August 8, which is substantially the same as his August 16, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs advised in our response to Mr [redacted] ’s previous inquiry, Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicersUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
May Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Ms [redacted] dated May 14, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Ms [redacted] ’s May 14, disputeOur records indicate that we have already received and responded to a previous inquiry dated May 1, which is substantially the same as her May 14, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs advised in our previous response, If Ms [redacted] is experiencing this type of involuntary hardship, we ask that she please provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate actionEvidence regarding hardships should be sent to the following address: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, LR [redacted] Compliance Department Resurgent Capital Services L.P
RE: [redacted] F*; Case/File No[redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated January 20, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 14, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on May 29, with [redacted] Bank, N.AThis account charged off on May 9, with a balance of $The last payment in the amount of $was received on November 28, As of the date of this letter the balance owed is $419.51, which includes $of interestAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one or more of these third-party collection agencies since it was acquired by LVNVMost recently, this account was placed with [redacted] & Collections Corpto service on Resurgent’s behalfMs [redacted] states that she requested validation, but never received a responseThe enclosed letter containing verification of debt was mailed to Ms [redacted] on January 5, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we have enclosed the bill statements and terms and conditions on file for this account as further verification of debtThis account has been properly verified, as required by the FDCPAMs***’s January 20, inquiry contains language Resurgent has interpreted to mean that we cease communication with herWhen 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 customerOn January 27, 2017, Ms [redacted] contacted Resurgent by phone and spoke with a member of the Compliance departmentShe indicated that she did not recall having this account and believed it to be fraudShe was provided instructions on how to dispute this account as fraudWe are currently awaiting her documentation, and will review it upon receiptWe would like to point out, however, that in a letter to the consumer reporting agencies, Ms [redacted] indicated this account was paid prior to LVNV’s acquisition and should have never gone to collections, which would contradict her claim that this account is fraudResurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition or charged off in errorIf, upon hearing back from the original creditor, we learn anything to substantiate Ms***’s claims, we will take any necessary steps to resolve this accountIf this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintPlease advise Ms [redacted] to forward any documents to the address belowIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] [redacted] Attn: Complaint Department P.OBox *** [redacted] , SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1- [redacted] Sincerely, AW*** Complaint Department Resurgent Capital Services L.PEnclosures
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 As I have stated over and over and over to the Credit Bureaus to all of the Revdex.coms that I can find where LVNV/Resurgent does business, I have contacted the Attorney General of the State of MN, Department of Commerce of State of MN as well as am contacting the Attorney General of SC and the Department of Commerce of SC I am extremely stressed and upset that this company can do whatever they please no matter the consequences -- having those bills does not prove that it's my account and I've never seen those bills They can produce them but they do not show purchases just my old address and my new address BUT they have never proven this as my account other than their choosing to do so I have notified all of the credit bureaus of deceitful practice and I will continue to do so till LVNV and Resurgent rescind this harassment and allow me to get a home because right now I'm homeless because of their having this on my credit report - I was in very sick in and was on dialysis and so there is no way that I could have opened any kind of account at any time - I wasn't able to do many things Do I have to prove that to them - no just like they do not have to prove to me this is my account But for the record I had a kidney transplant in so I DID NOT AND NEVER HAVE opened this account like they insist that I have They can say it's my account over and over and I will continuously say it is not my account over and over I have filed a fraud case with the [redacted] police department and the [redacted] police department and have case numbers for both of these accounts I'm currently out of town but will have those case number for you on Monday the 14th of May What they did by sending all of these documents was give me proof to provide to the police that this is not my account In days I will have document with all of the information but now I can give them this - they HAVE NEVER SENT ANY OF THESE TO MY OLD ADDRESS OR MY [redacted] *** ADDRESS but isn't it interesting that they have sent to you all of the bills with my name and address on it - no charges just accounts with dollar amounts and interest As I told the police I was very sick in 2010-with kidney disease on dialysis in [redacted] ***, MN Now Resurgent can say whatever they choose about their customer service but why would I take out a credit card in when I was near death - explain that one to me? If I hadn't gotten the kidney transplant when I did I wouldn't even be worried about being homeless and not having a place to live based on accusations and incorrect information I;m disappointed that the Revdex.com of SC would be willing to accept this letter from them as truth - why would I waste my time trying to fight something for as many years as I have been if this was my bill - why would I have done so when I was so sick I could hardly get out of my home after dialysis you are extremely sick and tired for two - three days after treatments - and you have treatments x a week hours per session So just like they do not have to provide more than words, I too am going to provide the same respect that they do me I will have a police complaint on fraud within the next weeks and I will happily provide to you and all of the other agencies that I have contacted but I DO NOT THINK THEY NEED TO KNOW ANYTHING MORE THAN WHAT THEY LIE ABOUT NOW - their integrity isn't even something they should express at all - they have none I'm years old and they have done nothing but make my life a living *** and now I've no place to live - Tell them great job of customer service Resurgent.By the way in the State of MN they have mistakenly gone after individuals including garnishing wages of individuals whose name they found was similar to the name of the person they were after but the innocent person's wages were garnished and they almost lost their job over this - but LVNV continued with their harassment of innocent people in MN - so you may think they are legitimate they are not They have gone after older people an innocent people many times across the United States It's about time someone stands up and says no more I need a place to live and LVNV and Resurgent are doing everything they can to make that not possible I've even told apartments that I have family members that are willing to pay 2-months payments but because of LVNV and Resurgents' misinformation - that is what they look at not anything else Regards, [redacted]
RE: [redacted] [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear MsR***: This letter is in response to your correspondence received November 30, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 13, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on December 21, with [redacted] Bank, N.A (“ [redacted] ***”)The last payment in the amount of $was received on February 3, This account charged off on July 27, with a balance of $No payments have been received on this account since Resurgent started servicing it in August LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is January 26, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in October Although Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframeThe FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customerResurgent did stop collection efforts once we received Ms***’ request, and did not resume those efforts until we provided her with a verification responseVerification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was provided to Ms [redacted] on August 21, in response to her Consumer Financial Protection Bureau inquiry, case number [redacted] - [redacted] The bill statements, terms and conditions, and an account summary that were provided with our response are enclosed for referenceThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)Our records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on November 27, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
[redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by [redacted] dated July 14, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVAs advised in our previous response, verification of debt with validation was mailed to Ms [redacted] on September 21, in compliance with the Fair Debt Collections Practices Act (“FDCPA”)Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, TH*** 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 This response is being rejected as I am not liable for the alleged debtCollection company has not furnished a signed contract that I have any agreement or taking any responsibility of the alleged debt with there companyThis company has not provided proof that they are licensed to collect in the state of Florida for any debtsPer Florida Office of Financial Regulations they do not have a license to collect any debt in the state of Florida on in Las Vegas Nevada and South CarolinaPer FCRA they must furnish and validate the alleged debt with a signed legally bounded contract Regards, [redacted] ***
RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear Ms [redacted] : This letter is in response to your correspondence received July 21, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on September 12, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on April 16, [redacted] *** Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on May 2, This account charged off on August 22, with a balance of $1,No payments have been received on this account since Resurgent started servicing it in September LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is December 21, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in September The enclosed letter containing verification of debt was mailed to Ms [redacted] on April 13, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we are providing the enclosed bill statements and terms and conditions on file for this accountThis account has been properly verified as required by the FDCPAMs [redacted] ’s July 21, inquiry contains language Resurgent has interpreted to mean that we cease communication with herWhen Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by Ms [redacted] dated May 1, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVEnclosed is a copy of the previous response to this complaint which provided Ms [redacted] with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we are providing the enclosed bill statements on file for this accountUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated March 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on April 10, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVWe have investigated this matter and verified the account was paid prior to LVNV’s acquisitionResurgent has closed the account, and a request to delete the LVNV tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenience Mr [redacted] may have experiencedIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1- [redacted] Sincerely, AJ [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 First of all, my complaint was that [redacted] Funding never responded to my request for validation And there is no evidence they did According to the Texas Finance Code they have days to respond or cease collection activity At this point they have already violated state and federal rules for collection practices I am respectfully requesting LVNV Funding submit deletion request to credit bureaus in this case I am making every effort to resolve this matter without presenting my case before a courtroom jury Regards, [redacted] ***
I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is correct amountI acknowledge this debt was established without my knowledge and I have no contractual agreement with LVNV FUNDING LLC
March 8, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] Case/File No [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank (SB), N.ACurrent Owner: LVNV Funding LLC Reference Number: [redacted] Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 1, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***, having subsequently acquired it on September 20, Resurgent Capital Services L.P(“Resurgent”) is the servicer of this LVNV accountPlease note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concernsThis account originated on April 16, with [redacted] (SB), N.Aand was opened with [redacted] The last payment in the amount of $was received on November 18, The account charged off on August 31, As of the date of this communication, the current account balance is $7,LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, LVNV is not reporting the account to the major consumer reporting agencies, as the permissible reporting period for the account has expiredResurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicersA judgment was obtained February 7, in the Justice Court Precinct 1, Place 2, [redacted] County, Texas with case number [redacted] , and was renewed on January 22, by Writ of ExecutionEnclosed is a copy of the court docket showing the judgment and Writ of Execution for your reviewOne method in which a judgment may be executed is a garnishment, and in this case, a garnishment was initiated by our third-party servicerResurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligationsIf Ms [redacted] is experiencing this type of involuntary hardship, we ask that she please provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate actionEvidence regarding hardships should be sent to the address belowIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitOur servicer’s records indicate that the enclosed identity theft affidavit was sent to Ms [redacted] on March 5, If Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact our servicer at 855- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s) [redacted] , P.C.P.OBox [redacted] , Texas 75011-[redacted] Park Dr [redacted] , TX [redacted] , PCLICENSED IN AL, CA, DC, MD, NY, PA, SC, TN, TX, & VAATTORNEYS AT LAWPO Box [redacted] , Texas 75011-5220NYC Deptof Consumer Affairs LicNos [redacted] and [redacted] March 5, [redacted] Park Dr [redacted] , TX 77073Our File No: [redacted] Original Creditor: [redacted] (Sb), N.A.LVNV Funding LLC v*** [redacted] - Cause No [redacted] in the Justice Court, [redacted] County, TXDear *** [redacted] :This letter is written as a followup to your recent correspondenceIt is our understanding that you believe thatyou do not owe the debt because of either fraud or the theft of your identificationIf, in fact, you do not owethis debt, we would like to resolve this matter as quickly so that we may report this information back to ourclient and close the accountHowever, in order to do so, we need to obtain some additional information toassist us in making that determination.We are enclosing two documents, a Fraud Questionnaire and an Affidavit of FraudFailing to respond to thisletter, either by returning the questionnaire/affidavit or by calling our office to discuss this matter further, maybe taken into account in determining whether or not fraud is involvedAlso, the more information that we canput together for our Client, the betterIf you have made a police report or previously sent a letter disputing theaccount or the charges, that too will help.Please return the enclosed documents plus any additional information to our office at your earliestconvenience.Sincerely, [redacted] , PCEnclosuresLEGAL NOTICE
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 Firstly, I would like to take this opportunity to thank you for your cooperation and quick responses, it is sincerely appreciatedAt this point, I do believe this account to be fraudulentHowever, I am willing to pay this account in full as a demonstration of goodwill under the following conditions: - Resurgent/ LVNV Funding LLC will delete all references to this account from my credit report at all three credit bureaus(EXPERIAN, TRANSUNION, EQUIFAX)The purpose of this settlement is to have this item removed from my credit files, and restore my good name in a timely mannerIt is not to be construed as an acknowledgment of liability for this debt in any formI understand that I may file a police report regarding this matterHowever, for both of our convenience, I would like to offer this settlement before pursuing any legal matters.If you agree to these terms, I will send certified payment in the amount of $in exchange to have all information related to this debt removed from all of my credit filesIf you accept this offer, please prepare a letter on your company letterhead agreeing to the termsPlease have an authorized agent of the company sign this letterThank you for taking the time to consider this offerI appreciate your time and customer service Regards, [redacted]
May 2, [redacted] *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-*** [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number [redacted] Reference Number: [redacted] Current Balance: $4, [redacted] This letter is in response to your correspondence dated April 27, regarding the above-referenced accountLVNV Funding LLC ("LVNV ") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] ***) on or about April 17, As of the date of this communication, the account balance is $4,Please review the following account information: This account originated on August 23, with [redacted] and was opened with [redacted] ** This account charged off on February 29, The last payment in the amount of $was received on August 22, No payments have been received on this account since Resurgent started servicing it in April Please find enclosed the credit application on file for this accountAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, LVNV is not reporting the account to the major consumer reporting agencies [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is August 29, A request to delete the LVNV tradeline was submitted to the consumer reporting agencies on or about December [redacted] April 27, complaint contains language Resurgent has interpreted to mean that we cease communication with himWhen 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 customerIf M [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] *** [redacted] *** If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] [redacted] 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]
RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear Ms [redacted] : This letter is in response to your correspondence dated June 14, 2017, and received July 10, 2017, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on July 13, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 8, with [redacted] *** Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on April 28, This account charged off on June 15, with a balance of $1,No payments have been received on this account since Resurgent started servicing it in July LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is December 14, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in September The enclosed letter containing verification of debt was mailed to Ms [redacted] on January 2, in response to her December 29, disputeAdditionally, we are providing the enclosed bill statements and terms and conditions on file for this accountThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)If, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] Bank (USA), N.AOriginal Creditor: [redacted] ***, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated April 20, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 20, Resurgent [redacted] Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on December 9, with [redacted] ***, N.AThis account charged off on August 6, with a balance of $No payments have been received on this account since Resurgent started servicing it in January Enclosed is an account summary on file for this accountAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through [redacted] or more consumer reporting agenciesResurgent will respond in a timely manner and provide the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent has reviewed the allegation in Ms***’ inquiry that the above referenced account was discharged in bankruptcyOur records indicate that this account was opened after Ms***’ bankruptcies were filed, and therefore was not included in her bankruptcyOur records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on January 25, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customerIf, after reviewing the above-referenced information, Ms [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 matterIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted] Sincerely, TH*** Compliance Department Resurgent [redacted] Services L.PEnclosure(s)
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated June 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 9, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on October 15, with [redacted] *** Bank, N.AThe last payment in the amount of $was received on September 26, This account charged off on May 27, with a balance of $No payments have been received on this account since Resurgent started servicing it in June All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] Bank, N.Acharged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itAdditionally, we have confirmed that Ms***’s account is still within her state’s statute of limitationsResurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one or more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agenciesEnclosed is a copy of the notice that was sent on or about June 12, advising that information may be reported to the consumer reporting agencies if the debt is not paidThe enclosed letters containing verification of debt with validation were mailed to Ms [redacted] on May 3, and May 11, in response to her April 18, inquiryAdditionally, we are providing the enclosed bill statements and terms and conditions on file for this accountThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)Our records indicate that Ms [redacted] submitted a notice requesting that we cease telephone communication with her to this office on May 23, When such a request is received by our office, we place a restriction on the account so that no further telephone contact is made to the customerIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated June 9, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on February 17, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on August 22, with [redacted] *** Bank, N.AThe last payment in the amount of $was received on May 31, This account charged off on January 28, with a balance of $No payments have been received on this account since Resurgent started servicing it in February All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVOur records do not indicate that a request to delete the LVNV tradeline was submitted to any of the consumer reporting agenciesThis account is reporting accuratelyPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputesIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedEnclosed is a copy of the notice that was sent on or about February 18, advising that information may be reported to the consumer reporting agencies if the debt is not paidWe are providing the enclosed bill statements, terms and conditions, and an account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, after reviewing the above-referenced information, Ms [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 matterIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, TH*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by Mr [redacted] received August 16, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Mr [redacted] ’s August 16, disputeOur records indicate that we have already received and responded to a previous inquiry dated August 8, which is substantially the same as his August 16, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs advised in our response to Mr [redacted] ’s previous inquiry, Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicersUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
May Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Ms [redacted] dated May 14, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Ms [redacted] ’s May 14, disputeOur records indicate that we have already received and responded to a previous inquiry dated May 1, which is substantially the same as her May 14, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs advised in our previous response, If Ms [redacted] is experiencing this type of involuntary hardship, we ask that she please provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate actionEvidence regarding hardships should be sent to the following address: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, LR [redacted] Compliance Department Resurgent Capital Services L.P
RE: [redacted] F
*; Case/File No[redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated January 20, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 14, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on May 29, with [redacted] Bank, N.AThis account charged off on May 9, with a balance of $The last payment in the amount of $was received on November 28, As of the date of this letter the balance owed is $419.51, which includes $of interestAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one or more of these third-party collection agencies since it was acquired by LVNVMost recently, this account was placed with [redacted] & Collections Corpto service on Resurgent’s behalfMs [redacted] states that she requested validation, but never received a responseThe enclosed letter containing verification of debt was mailed to Ms [redacted] on January 5, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we have enclosed the bill statements and terms and conditions on file for this account as further verification of debtThis account has been properly verified, as required by the FDCPAMs***’s January 20, inquiry contains language Resurgent has interpreted to mean that we cease communication with herWhen 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 customerOn January 27, 2017, Ms [redacted] contacted Resurgent by phone and spoke with a member of the Compliance departmentShe indicated that she did not recall having this account and believed it to be fraudShe was provided instructions on how to dispute this account as fraudWe are currently awaiting her documentation, and will review it upon receiptWe would like to point out, however, that in a letter to the consumer reporting agencies, Ms [redacted] indicated this account was paid prior to LVNV’s acquisition and should have never gone to collections, which would contradict her claim that this account is fraudResurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition or charged off in errorIf, upon hearing back from the original creditor, we learn anything to substantiate Ms***’s claims, we will take any necessary steps to resolve this accountIf this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintPlease advise Ms [redacted] to forward any documents to the address belowIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] [redacted] Attn: Complaint Department P.OBox *** [redacted] , SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1- [redacted] Sincerely, AW*** Complaint Department Resurgent Capital Services L.PEnclosures
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 As I have stated over and over and over to the Credit Bureaus to all of the Revdex.coms that I can find where LVNV/Resurgent does business, I have contacted the Attorney General of the State of MN, Department of Commerce of State of MN as well as am contacting the Attorney General of SC and the Department of Commerce of SC I am extremely stressed and upset that this company can do whatever they please no matter the consequences -- having those bills does not prove that it's my account and I've never seen those bills They can produce them but they do not show purchases just my old address and my new address BUT they have never proven this as my account other than their choosing to do so I have notified all of the credit bureaus of deceitful practice and I will continue to do so till LVNV and Resurgent rescind this harassment and allow me to get a home because right now I'm homeless because of their having this on my credit report - I was in very sick in and was on dialysis and so there is no way that I could have opened any kind of account at any time - I wasn't able to do many things Do I have to prove that to them - no just like they do not have to prove to me this is my account But for the record I had a kidney transplant in so I DID NOT AND NEVER HAVE opened this account like they insist that I have They can say it's my account over and over and I will continuously say it is not my account over and over I have filed a fraud case with the [redacted] police department and the [redacted] police department and have case numbers for both of these accounts I'm currently out of town but will have those case number for you on Monday the 14th of May What they did by sending all of these documents was give me proof to provide to the police that this is not my account In days I will have document with all of the information but now I can give them this - they HAVE NEVER SENT ANY OF THESE TO MY OLD ADDRESS OR MY [redacted] *** ADDRESS but isn't it interesting that they have sent to you all of the bills with my name and address on it - no charges just accounts with dollar amounts and interest As I told the police I was very sick in 2010-with kidney disease on dialysis in [redacted] ***, MN Now Resurgent can say whatever they choose about their customer service but why would I take out a credit card in when I was near death - explain that one to me? If I hadn't gotten the kidney transplant when I did I wouldn't even be worried about being homeless and not having a place to live based on accusations and incorrect information I;m disappointed that the Revdex.com of SC would be willing to accept this letter from them as truth - why would I waste my time trying to fight something for as many years as I have been if this was my bill - why would I have done so when I was so sick I could hardly get out of my home after dialysis you are extremely sick and tired for two - three days after treatments - and you have treatments x a week hours per session So just like they do not have to provide more than words, I too am going to provide the same respect that they do me I will have a police complaint on fraud within the next weeks and I will happily provide to you and all of the other agencies that I have contacted but I DO NOT THINK THEY NEED TO KNOW ANYTHING MORE THAN WHAT THEY LIE ABOUT NOW - their integrity isn't even something they should express at all - they have none I'm years old and they have done nothing but make my life a living *** and now I've no place to live - Tell them great job of customer service Resurgent.By the way in the State of MN they have mistakenly gone after individuals including garnishing wages of individuals whose name they found was similar to the name of the person they were after but the innocent person's wages were garnished and they almost lost their job over this - but LVNV continued with their harassment of innocent people in MN - so you may think they are legitimate they are not They have gone after older people an innocent people many times across the United States It's about time someone stands up and says no more I need a place to live and LVNV and Resurgent are doing everything they can to make that not possible I've even told apartments that I have family members that are willing to pay 2-months payments but because of LVNV and Resurgents' misinformation - that is what they look at not anything else Regards, [redacted]
RE: [redacted] [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear MsR***: This letter is in response to your correspondence received November 30, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 13, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on December 21, with [redacted] Bank, N.A (“ [redacted] ***”)The last payment in the amount of $was received on February 3, This account charged off on July 27, with a balance of $No payments have been received on this account since Resurgent started servicing it in August LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is January 26, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in October Although Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframeThe FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customerResurgent did stop collection efforts once we received Ms***’ request, and did not resume those efforts until we provided her with a verification responseVerification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was provided to Ms [redacted] on August 21, in response to her Consumer Financial Protection Bureau inquiry, case number [redacted] - [redacted] The bill statements, terms and conditions, and an account summary that were provided with our response are enclosed for referenceThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)Our records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on November 27, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
[redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by [redacted] dated July 14, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVAs advised in our previous response, verification of debt with validation was mailed to Ms [redacted] on September 21, in compliance with the Fair Debt Collections Practices Act (“FDCPA”)Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, TH*** 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 This response is being rejected as I am not liable for the alleged debtCollection company has not furnished a signed contract that I have any agreement or taking any responsibility of the alleged debt with there companyThis company has not provided proof that they are licensed to collect in the state of Florida for any debtsPer Florida Office of Financial Regulations they do not have a license to collect any debt in the state of Florida on in Las Vegas Nevada and South CarolinaPer FCRA they must furnish and validate the alleged debt with a signed legally bounded contract Regards, [redacted] ***
RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear Ms [redacted] : This letter is in response to your correspondence received July 21, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on September 12, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on April 16, [redacted] *** Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on May 2, This account charged off on August 22, with a balance of $1,No payments have been received on this account since Resurgent started servicing it in September LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is December 21, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in September The enclosed letter containing verification of debt was mailed to Ms [redacted] on April 13, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we are providing the enclosed bill statements and terms and conditions on file for this accountThis account has been properly verified as required by the FDCPAMs [redacted] ’s July 21, inquiry contains language Resurgent has interpreted to mean that we cease communication with herWhen Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by Ms [redacted] dated May 1, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVEnclosed is a copy of the previous response to this complaint which provided Ms [redacted] with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we are providing the enclosed bill statements on file for this accountUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated March 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on April 10, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVWe have investigated this matter and verified the account was paid prior to LVNV’s acquisitionResurgent has closed the account, and a request to delete the LVNV tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenience Mr [redacted] may have experiencedIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1- [redacted] Sincerely, AJ [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 First of all, my complaint was that [redacted] Funding never responded to my request for validation And there is no evidence they did According to the Texas Finance Code they have days to respond or cease collection activity At this point they have already violated state and federal rules for collection practices I am respectfully requesting LVNV Funding submit deletion request to credit bureaus in this case I am making every effort to resolve this matter without presenting my case before a courtroom jury Regards, [redacted] ***
I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is correct amountI acknowledge this debt was established without my knowledge and I have no contractual agreement with LVNV FUNDING LLC
March 8, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] Case/File No [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank (SB), N.ACurrent Owner: LVNV Funding LLC Reference Number: [redacted] Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 1, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***, having subsequently acquired it on September 20, Resurgent Capital Services L.P(“Resurgent”) is the servicer of this LVNV accountPlease note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concernsThis account originated on April 16, with [redacted] (SB), N.Aand was opened with [redacted] The last payment in the amount of $was received on November 18, The account charged off on August 31, As of the date of this communication, the current account balance is $7,LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, LVNV is not reporting the account to the major consumer reporting agencies, as the permissible reporting period for the account has expiredResurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicersA judgment was obtained February 7, in the Justice Court Precinct 1, Place 2, [redacted] County, Texas with case number [redacted] , and was renewed on January 22, by Writ of ExecutionEnclosed is a copy of the court docket showing the judgment and Writ of Execution for your reviewOne method in which a judgment may be executed is a garnishment, and in this case, a garnishment was initiated by our third-party servicerResurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligationsIf Ms [redacted] is experiencing this type of involuntary hardship, we ask that she please provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate actionEvidence regarding hardships should be sent to the address belowIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitOur servicer’s records indicate that the enclosed identity theft affidavit was sent to Ms [redacted] on March 5, If Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact our servicer at 855- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s) [redacted] , P.C.P.OBox [redacted] , Texas 75011-[redacted] Park Dr [redacted] , TX [redacted] , PCLICENSED IN AL, CA, DC, MD, NY, PA, SC, TN, TX, & VAATTORNEYS AT LAWPO Box [redacted] , Texas 75011-5220NYC Deptof Consumer Affairs LicNos [redacted] and [redacted] March 5, [redacted] Park Dr [redacted] , TX 77073Our File No: [redacted] Original Creditor: [redacted] (Sb), N.A.LVNV Funding LLC v*** [redacted] - Cause No [redacted] in the Justice Court, [redacted] County, TXDear *** [redacted] :This letter is written as a followup to your recent correspondenceIt is our understanding that you believe thatyou do not owe the debt because of either fraud or the theft of your identificationIf, in fact, you do not owethis debt, we would like to resolve this matter as quickly so that we may report this information back to ourclient and close the accountHowever, in order to do so, we need to obtain some additional information toassist us in making that determination.We are enclosing two documents, a Fraud Questionnaire and an Affidavit of FraudFailing to respond to thisletter, either by returning the questionnaire/affidavit or by calling our office to discuss this matter further, maybe taken into account in determining whether or not fraud is involvedAlso, the more information that we canput together for our Client, the betterIf you have made a police report or previously sent a letter disputing theaccount or the charges, that too will help.Please return the enclosed documents plus any additional information to our office at your earliestconvenience.Sincerely, [redacted] , PCEnclosuresLEGAL NOTICE