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.
","serif"">Be advised that this is a notice
that your claim is disputed and validation is requestedUnder the
Fair Debt collection Practices Act
(FDCPA), I have the right to request validation of the debt you say I owe you
I
am requesting proof that I am indeed
the party you are asking to pay this debt, and there is some contractual obligation
that is binding on me to pay this debtThis is NOT a request for "verification" or proof of my
mailing address, but a request for VALIDATION made pursuant to USC 1692g
Sec(b) of the FDCPAI respectfully request that your offices provide me
with competent evidence that I have any legal obligation to pay YOUAt
this time I will also inform you that if your offices have or continue to
report invalidated information
to any of the three major credit
bureaus (Equifax, Experian, Trans Union), this action might constitute fraud
under both federal and state lawsDue to this fact, if any negative mark is
found or continues to report on any of my credit reports by your company or the
company you represent, I will not hesitate in bringing legal action against you
and your client for the following: Violation of the Fair Debt Collection
Practices Act and Defamation of Character
I am sure your legal staff will
agree that non-compliance with this request could put your company in
serious legal trouble with the FTC
and other state or federal agenciesIf your offices are able to provide the
proper documentation as requested in the following declaration, I will require
days to investigate this information and during such time all collection
activity must cease and desistAlso, during this validation period, if any
action is taken which could be considered detrimental to any of my credit
reports, I will consult with legal counsel for suitThis includes any listing
of any information to a credit-reporting repository that could be inaccurate or
invalidatedIf your offices fail to respond to this validation request within
days from the date of your receipt, all references to this account must be
deleted and completely removed from my credit file and a copy of such deletion
request shall be sent to me immediately
It would be advisable that you and
your client assure that your records are in order before I am forced to take
legal action
CREDITOR/DEBT COLLECTOR DECLARATION
Please
provide the following:
•
Agreement from me to you to collect on this alleged debt
•
Agreement that bears the signature of the alleged debtor wherein he/she agreed
to pay the creditor
•
Any insurance claims been made by any creditor regarding this account
•
Any Judgments obtained by any creditor regarding this account
•
Name and address of alleged creditor
•
Name on file of alleged debtor
•
Alleged account number
•
Address on file for alleged debtor
•
Amount of alleged debt
•
Date this alleged debt became payable
•
Date of original charge off or delinquency
•
Verification that this debt was assigned or sold to collector
•
Complete accounting of alleged debt
•
Commission for debt collector if collection efforts are successful
I have no contract nor received any services from LVNV nor Resurgent Capital Services
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank (USA), N.A. Original Creditor: [redacted], N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $684.62 Dear Ms....
R[redacted]: This letter is in response to your correspondence received December 18, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on August 23, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $684.62. Please review the following account information: 1. This account originated on June 9, 2014 with [redacted], N.A. (“[redacted]”). 2. This account charged off on April 11, 2016 with a balance of $684.62. 3. No payments have been received on this account since Resurgent started servicing it in August 2017. 4. Enclosed is an account summary on file for this account. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Mr. [redacted]’s inquiry dated December 18, 2017 is the first communication, written or otherwise, that Resurgent has received from Mr. [redacted] regarding the above-referenced account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 6, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in August 2022. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. Mr. [redacted]’s December 18, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When 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 customer. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr. [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT12/21/2017 12:27:35 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] [redacted] Owner LVNV Funding LLCAddress: [redacted] Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted], N.A.State: SC Account Number XXXXXXXXXXXX[redacted]Zip Code: 29526-4402 Current Balance Due $684.62Date of Last Payment 09/04/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 06/09/2014The account charge-off date was: 04/11/2016The account charge-off amount was: $684.62The account was acquired on or about: 08/23/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $684.62This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous Creditor: [redacted], Inc. Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 8, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted]. on or about June 7, 2013. Please review the following account information: 1. This account originated on January 24, 2009 with [redacted] and was opened with [redacted] 2. This account charged off on June 22, 2012 with a balance of $4,003.54. 3. The last payment in the amount of $2,313.67 was received on February 29, 2016. 4. Our records indicate this account was included in [redacted] Chapter 13 bankruptcy. The loan obligation encumbering the below-listed collateral was satisfied with the payment of $2,313.67 dated February 29, 2016. [redacted] After review, Resurgent has determined the check in the amount of $1,156.83 posted to [redacted] additional account in our system on March 3, 2016. That account, with reference number [redacted] account number [redacted] originated January 8, 2008 with [redacted]. Resurgent is also the servicer of this account owned by LVNV. Our records indicate the account ending in [redacted] was also included in [redacted] Chapter 13 bankruptcy. As part of our investigation, we reviewed the phone calls [redacted] placed to Resurgent in February and March 2016[redacted] advised Resurgent he would cancel the check in the amount of $1,156.83, prior to making a payment by phone in the amount of $2,313.67 on February 29, 2016, and at no time advised Resurgent we did not have permission to post the check in the amount of $1,156.83. A refund in the amount of $1,156.83 will be issued to [redacted] once the payment has posted for 30 days, per Resurgent policy, in case of insufficient funds or cancellation of payment. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Resurgent Capital Services L.P.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $524.92 Dear Ms. [redacted]: This...
letter is in response to your correspondence dated July 17, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 12, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $524.92. Please review the following account information: 1. This account originated on May 18, 2016 with [redacted] Bank, N.A. (“[redacted]”). 2. This account charged off on December 25, 2016 with a balance of $524.92. 3. No payments have been received on this account since Resurgent started servicing it in January 2017. 4. Please find enclosed the terms and conditions, bill statements, and an account summary on file for this account. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is June 23, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in March 2023. Our records do not indicate that we have received a request for verification from Ms. [redacted]. Our records indicate the only communication we have received from Ms. [redacted] was a notice requesting that we cease communication with her to this office that was received on June 8, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. This response provides Ms. [redacted] with verification of the debt. 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 affidavit. If 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 full. In 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.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT7/24/2017 12:11:10 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] [redacted] Owner LVNV Funding LLCAddress: [redacted] [redacted] Dr Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted] Bank, N.A.State: MI Account Number XXXXXXXXXXXX[redacted]Zip Code: 48184-1062 Current Balance Due $524.92Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/18/2016The account charge-off date was: 12/25/2016The account charge-off amount was: $524.92The account was acquired on or about: 01/12/2017The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $524.92This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
March 8, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Case/File No [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank (SB),...
N.A. Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 1, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted], having subsequently acquired it on September 20, 2004. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of this LVNV account. Please 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 concerns. This account originated on April 16, 2003 with [redacted] (SB), N.A. and was opened with [redacted]. The last payment in the amount of $552.00 was received on November 18, 2011. The account charged off on August 31, 2004. As of the date of this communication, the current account balance is $7,246.06. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, LVNV is not reporting the account to the major consumer reporting agencies, as the permissible reporting period for the account has expired. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. A judgment was obtained February 7, 2008 in the Justice Court Precinct 1, Place 2, [redacted] County, Texas with case number [redacted], and was renewed on January 22, 2018 by Writ of Execution. Enclosed is a copy of the court docket showing the judgment and Writ of Execution for your review. One method in which a judgment may be executed is a garnishment, and in this case, a garnishment was initiated by our third-party servicer. Resurgent 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 obligations. 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 action. Evidence regarding hardships should be sent to the address below. 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 affidavit. Our servicer’s records indicate that the enclosed identity theft affidavit was sent to Ms. [redacted] on March 5, 2018. 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] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact our servicer at 855-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) [redacted], P.C.P.O. Box [redacted], Texas 75011-5220[redacted] Park Dr[redacted], TX 77073[redacted], PCLICENSED IN AL, CA, DC, MD, NY, PA, SC, TN, TX, & VAATTORNEYS AT LAWPO Box [redacted], Texas 75011-5220NYC Dept. of Consumer Affairs Lic. Nos [redacted] and [redacted]March 5, 2018[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 correspondence. It is our understanding that you believe thatyou do not owe the debt because of either fraud or the theft of your identification. If, 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 account. However, 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 Fraud. Failing 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 involved. Also, the more information that we canput together for our Client, the better. If 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. ...
Regards,
[redacted] Hello I'm rejecting this because of key factors I do not live at the address listed yet I still do not know who this company is I understand that they have verification that they have rights to this debt but where is documented proof that they have verified that they have the right person or proof they have attempted to settle the debt with the person how do they have a right to have this trade line on my account when they have not successfully identified that they have the right person
[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to the additional concerns submitted by [redacted] dated July 14, 2017 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. As advised in our previous response, verification of debt with validation was mailed to Ms. [redacted] on September 21, 2016 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 expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, T. H[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Thank you for your quick response and resolution to the matter.
Regards,
[redacted]
Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated March 7, 2016, regarding the above-referenced account. LVNV Funding LLC (“LVNV”), the Current Creditor-Debt Purchaser, owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. [redacted] letter asserts that LVNV “re-ages” accounts. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is January 9, 2014. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or about October 2020. Resurgent complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. This account has been properly verified, as required by the [redacted]. 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 expired. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]
Dear Ms. [redacted]: This letter is in response to your correspondence dated March...
20, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on October 28, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Please review the following account information: 1. This account originated on March 21, 2016 with [redacted] and was opened with [redacted] [redacted]. 2. This account charged off on September 4, 2016 with a balance of $231.99. 3. The last payment in the amount of $185.59 was received on January 25, 2017. We have verified that this account was satisfied in full on January 25, 2017 for $185.59. The status of the account was updated to “Satisfied in Full” on or about February 16, 2017. The account is considered resolved in our office, and Ms. [redacted] should not be contacted by Resurgent or any affiliate companies regarding the account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for Less Than the Full Balance” was submitted to the three major consumer reporting agencies in March 2017. The LVNV tradeline is currently accurately reporting as a paid collection. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. However, as a courtesy, a request to delete the LVNV tradeline will be submitted to the three major credit reporting agencies (also known as “credit bureaus”) during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. We recognize that Ms. [redacted] previously sent emails to our Customer Service department regarding this account. Please be advised that Resurgent does not correspond with customers via electronic mail. This response shall serve as our formal response to Ms. [redacted]’s electronic correspondence. We apologize for any inconvenience. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
December 13, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Consumer USA Original Creditor: [redacted] Current Owner: LVNV...
Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $442.67 Dear Ms. [redacted]: This letter is in response to your correspondence dated December 6, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 28, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $442.67. Please review the following account information: 1. This account originated on January 12, 2015 with [redacted] and was opened with [redacted]. 2. This account charged off on December 20, 2015 with a balance of $442.67. 3. The last payment in the amount of $50.00 was received on May 22, 2015. 4. No payments have been received on this account since Resurgent started servicing it in April 2016. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. Verification of debt was previously provided to Ms. [redacted] on November 15, 2016 in response to her Consumer Financial Protection Bureau (“CFPB”) inquiry dated November 7, 2016. We are enclosing the bill statements and account summary previously provided to Ms. [redacted] as verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”). If, 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 matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If 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 full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P. Enclosures
[redacted]
[redacted] Previous Creditor: [redacted] Inc. Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number:...
[redacted] Current Balance: $255.09 Dear [redacted] This letter is in response to your correspondence, dated March 2, 2016, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted], [redacted]. on or about March 21, 2014. As of the date of this communication, the account balance is $255.09. Please review the following account information: 1. This account originated on October 9, 2009 with [redacted] 2. This account charged off on August 10, 2011 with a balance of $242.22. 3. No payments have been received on this account since Resurgent started servicing it in March 2014. 4. Enclosed please find an account summary on file for the account. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his/her dispute. In accordance with the [redacted] the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The term “open” in [redacted] credit report is not meant to indicate that the account is open or can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demand. Because the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio type. If [redacted] has additional questions related to the credit reporting, then he/she will need to contact the appropriate consumer reporting agencies. Resurgent previously received a letter from [redacted], dated August 12, 2015, which contained language we interpreted to request that we cease contact with him/her. Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent. Our records reflect that [redacted] called in to Resurgent on February 29, 2016, lifted the cease and desist, and requested to satisfy the account for less than the full balance. [redacted] was provided an offer of $190.00 to satisfy the account, and the enclosed letter confirming that offer was sent to [redacted] on or about March 1, 2016. Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition. If, upon hearing back from the original creditor, we learn anything to substantiate [redacted] claim(s), we will take any necessary steps to resolve this account. If 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 complaint. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P. Enclosures ACCOUNT SUMMARY REPORT3/8/2016 10:34:36 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted]City: [redacted] Original Creditor [redacted] State: GA Inc.Zip Code: [redacted]Date of Last PaymentCurrent Balance SummaryOwed Collected BalancePrincipal $242.22 - $242.22Interest $12.87 - $12.87Total $255.09 - $255.09[redacted] The current balance due on this account is: $255.09 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 10/09/2009The account charge-off date was: 08/10/2011The account charge-off amount was: $242.22The account was acquired on or about: 03/21/2014The account was acquired from: [redacted]The account balance at time of acquisition: $242.22This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Financial Services Of Indiana, Inc. Original Creditor: [redacted] Financial Services, Inc. (formerly known as “[redacted] Finance”) Current Owner: LVNV Funding LLC Account Number:...
[redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated April 5, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 7, 2013. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Our records indicate the first communication we received from Mr. [redacted] was a letter dated March 20, 2017 that was received by our office on March 30, 2017. The account was accordingly placed into a dispute status and an investigation began into Mr. [redacted]’s claim. Upon receipt of his inquiry with the Revdex.com, the Compliance department conducted a review of the documentation that Mr. [redacted] provided in March, as well as the documentation he provided with his Revdex.com inquiry. After investigation, we have closed the account due to fraud. Mr. [redacted] should no longer be contacted by Resurgent or any affiliate companies regarding this account. Separately, a request to delete the LVNV tradeline for this account was submitted to the three major consumer reporting agencies in March 2017 as the permissible reporting period for credit reporting expired for this account. We apologize for any inconvenience Mr. [redacted] may have experienced. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
March 14, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted]
Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by [redacted] dated March 9, 2018 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the account numbers ending in [redacted] and [redacted] respectively. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts owned by LVNV. As advised in our previous response, Resurgent utilizes third-party servicers to service accounts on its behalf. These accounts have been placed with one of more of these third-party servicers since they were acquired by LVNV. Any notification requirements for these accounts were met by these servicers. The enclosed letters were mailed to Ms. [redacted], in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. Unless the information requested to resolve these accounts as fraudulent or paid is received, the accounts will continue to report as disputed until the permissible period for the credit reporting of these accounts has expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, L. R[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) **
**
**
**August 12, 2016 [redacted] Way [redacted] GA 31322 RE: Original Creditor: [redacted] Bank, N.A. Account Number: XXXXXXXXXXXX[redacted] Balance Due: $1,246.16 Fees Due: $0.00 Interest Due: $0.00 Costs Due: $0.00 Total Due: $1,246.16 RE: LVNV Funding LLC to whom the debt is owed. Dear [redacted]: Please note that a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency by the current account owner if you fail to fulfill the terms of your credit obligations. This notice in no way affects any rights you may have. The attorneys with this firm are licensed to practice in the State of Georgia. Very truly yours, [redacted], JR. [redacted]
[redacted] File No.: [redacted]
THE LAW FIRM OF [redacted], JR., LLC IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
January 17, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Consumer USA Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $595.01 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 11, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 30, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $595.01. Please review the following account information: 1. This account originated on December 20, 2013 with [redacted] and was opened with [redacted]. 2. This account charged off on February 10, 2015 with a balance of $595.01. 3. No payments have been received on this account since Resurgent started servicing it in April 2015. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The enclosed letters were mailed to Ms. [redacted] on November 6, 2017 in response to her October 25, 2017 correspondence. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”) and applicable state and local laws. 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 affidavit. If 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 full. In 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.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, J. A[redacted] Compliance Department Resurgent Capital Services L.P. Enclosures
[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding...
LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 15, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] Inc. on or about October 28, 2015. The last payment in the amount of $148.37 was received on January 29, 2016. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. We have verified this account was paid in full on January 29, 2016 for $148.37. The status of the account was updated to “Paid in Full” on February 11, 2016. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. The enclosed letter mailed to [redacted] on or about February 29, 2016 advises that the account is paid in full. In accordance with the [redacted]), a request to update this account as “Paid in Full” was submitted to the three major consumer reporting agencies during the March 2016 reporting cycle. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. We are unable to alter the credit reporting of another creditor. [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in error. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
They have no legal recourse for my not agreeing to pay this predator debt buyer and are simply...
negatively affecting my credit which is otherwise exemplary. I disagree as well that proper correspondence was issued regarding this debt, as I never received such correspondence or communication, and I'd like to see proof such correspondence was made. In their failing to adhere to notification and right to dispute communication requirements via direct contact or via these "3rd party vendors" mentioned, I request once again that this business cease and desist any further reporting to all three credit bureaus and have it removed.
Regards,
[redacted]
January 29, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted], [redacted] Dear Ms. R[redacted]: This letter is in response to your correspondence received January 22, 2018 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted]. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted], N.A. 1. This account originated on January 8, 2015 with [redacted], N.A. 2. This account charged off on June 18, 2016 with a balance of $910.57. 3. This account was purchased from [redacted] Bank (USA), N.A. on October 25, 2017. 4. No payments have been received on this account since Resurgent started servicing it in October 2017. 5. The current balance of this account is $910.57. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted], N.A. 1. This account originated on June 20, 2014 with [redacted], N.A. 2. This account charged off on June 29, 2016 with a balance of $571.22. 3. This account was purchased from [redacted] Bank (USA), N.A. on October 25, 2017. 4. No payments have been received on this account since Resurgent started servicing it in October 2017. 5. The current balance of this account is $571.22. LVNV acquired all ownership rights in these accounts upon LVNV’s purchase of these accounts. Those rights include, but are not limited to, the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) should these accounts are eligible for credit reporting. Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV. [redacted]’s complaint dated January 22, 2018 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced accounts. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradelines for these accounts to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. These accounts have been placed with one of more of these third-party servicers since they were acquired by LVNV. Any notification requirements for these accounts would have been met by these servicers. We are providing the enclosed bill statements and an account summary on file for each account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, [redacted] believes these accounts are fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If [redacted] believes that these accounts were previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning their dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P Enclosure(s) ACCOUNT SUMMARY REPORT1/31/2018 4:02:32 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Dr Resurgent Reference # [redacted]City: Clinton Township Original Creditor [redacted], N.A.State: MI Account Number XXXXXXXXXXXX[redacted]Zip Code: 48038-3546 Current Balance Due $571.22Date of Last Payment 06/22/2016Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 06/20/2014The account charge-off date was: 06/29/2016The account charge-off amount was: $571.22The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $571.22This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1ACCOUNT SUMMARY REPORT1/31/2018 4:04:17 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Dr Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted], N.A.State: MI Account Number XXXXXXXXXXXX[redacted]Zip Code: 48038-3546 Current Balance Due $910.57Date of Last Payment 11/14/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 01/08/2015The account charge-off date was: 06/18/2016The account charge-off amount was: $910.57The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $910.57This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
","serif"">Be advised that this is a notice
that your claim is disputed and validation is requestedUnder the
Fair Debt collection Practices Act
(FDCPA), I have the right to request validation of the debt you say I owe you
I
am requesting proof that I am indeed
the party you are asking to pay this debt, and there is some contractual obligation
that is binding on me to pay this debtThis is NOT a request for "verification" or proof of my
mailing address, but a request for VALIDATION made pursuant to USC 1692g
Sec(b) of the FDCPAI respectfully request that your offices provide me
with competent evidence that I have any legal obligation to pay YOUAt
this time I will also inform you that if your offices have or continue to
report invalidated information
to any of the three major credit
bureaus (Equifax, Experian, Trans Union), this action might constitute fraud
under both federal and state lawsDue to this fact, if any negative mark is
found or continues to report on any of my credit reports by your company or the
company you represent, I will not hesitate in bringing legal action against you
and your client for the following: Violation of the Fair Debt Collection
Practices Act and Defamation of Character
I am sure your legal staff will
agree that non-compliance with this request could put your company in
serious legal trouble with the FTC
and other state or federal agenciesIf your offices are able to provide the
proper documentation as requested in the following declaration, I will require
days to investigate this information and during such time all collection
activity must cease and desistAlso, during this validation period, if any
action is taken which could be considered detrimental to any of my credit
reports, I will consult with legal counsel for suitThis includes any listing
of any information to a credit-reporting repository that could be inaccurate or
invalidatedIf your offices fail to respond to this validation request within
days from the date of your receipt, all references to this account must be
deleted and completely removed from my credit file and a copy of such deletion
request shall be sent to me immediately
It would be advisable that you and
your client assure that your records are in order before I am forced to take
legal action
CREDITOR/DEBT COLLECTOR DECLARATION
Please
provide the following:
•
Agreement from me to you to collect on this alleged debt
•
Agreement that bears the signature of the alleged debtor wherein he/she agreed
to pay the creditor
•
Any insurance claims been made by any creditor regarding this account
•
Any Judgments obtained by any creditor regarding this account
•
Name and address of alleged creditor
•
Name on file of alleged debtor
•
Alleged account number
•
Address on file for alleged debtor
•
Amount of alleged debt
•
Date this alleged debt became payable
•
Date of original charge off or delinquency
•
Verification that this debt was assigned or sold to collector
•
Complete accounting of alleged debt
•
Commission for debt collector if collection efforts are successful
I have no contract nor received any services from LVNV nor Resurgent Capital Services
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Bank (USA), N.A. Original Creditor: [redacted], N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $684.62 Dear Ms....
R[redacted]: This letter is in response to your correspondence received December 18, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on August 23, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $684.62. Please review the following account information: 1. This account originated on June 9, 2014 with [redacted], N.A. (“[redacted]”). 2. This account charged off on April 11, 2016 with a balance of $684.62. 3. No payments have been received on this account since Resurgent started servicing it in August 2017. 4. Enclosed is an account summary on file for this account. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Mr. [redacted]’s inquiry dated December 18, 2017 is the first communication, written or otherwise, that Resurgent has received from Mr. [redacted] regarding the above-referenced account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 6, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in August 2022. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. Mr. [redacted]’s December 18, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When 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 customer. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr. [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT12/21/2017 12:27:35 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] [redacted] Owner LVNV Funding LLCAddress: [redacted] Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted], N.A.State: SC Account Number XXXXXXXXXXXX[redacted]Zip Code: 29526-4402 Current Balance Due $684.62Date of Last Payment 09/04/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 06/09/2014The account charge-off date was: 04/11/2016The account charge-off amount was: $684.62The account was acquired on or about: 08/23/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $684.62This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous Creditor: [redacted], Inc. Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 8, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted]. on or about June 7, 2013. Please review the following account information: 1. This account originated on January 24, 2009 with [redacted] and was opened with [redacted] 2. This account charged off on June 22, 2012 with a balance of $4,003.54. 3. The last payment in the amount of $2,313.67 was received on February 29, 2016. 4. Our records indicate this account was included in [redacted] Chapter 13 bankruptcy. The loan obligation encumbering the below-listed collateral was satisfied with the payment of $2,313.67 dated February 29, 2016. [redacted] After review, Resurgent has determined the check in the amount of $1,156.83 posted to [redacted] additional account in our system on March 3, 2016. That account, with reference number [redacted] account number [redacted] originated January 8, 2008 with [redacted]. Resurgent is also the servicer of this account owned by LVNV. Our records indicate the account ending in [redacted] was also included in [redacted] Chapter 13 bankruptcy. As part of our investigation, we reviewed the phone calls [redacted] placed to Resurgent in February and March 2016[redacted] advised Resurgent he would cancel the check in the amount of $1,156.83, prior to making a payment by phone in the amount of $2,313.67 on February 29, 2016, and at no time advised Resurgent we did not have permission to post the check in the amount of $1,156.83. A refund in the amount of $1,156.83 will be issued to [redacted] once the payment has posted for 30 days, per Resurgent policy, in case of insufficient funds or cancellation of payment. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Resurgent Capital Services L.P.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $524.92 Dear Ms. [redacted]: This...
letter is in response to your correspondence dated July 17, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 12, 2017. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $524.92. Please review the following account information: 1. This account originated on May 18, 2016 with [redacted] Bank, N.A. (“[redacted]”). 2. This account charged off on December 25, 2016 with a balance of $524.92. 3. No payments have been received on this account since Resurgent started servicing it in January 2017. 4. Please find enclosed the terms and conditions, bill statements, and an account summary on file for this account. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is June 23, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in March 2023. Our records do not indicate that we have received a request for verification from Ms. [redacted]. Our records indicate the only communication we have received from Ms. [redacted] was a notice requesting that we cease communication with her to this office that was received on June 8, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. This response provides Ms. [redacted] with verification of the debt. 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 affidavit. If 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 full. In 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.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT7/24/2017 12:11:10 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] [redacted] Owner LVNV Funding LLCAddress: [redacted] [redacted] Dr Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted] Bank, N.A.State: MI Account Number XXXXXXXXXXXX[redacted]Zip Code: 48184-1062 Current Balance Due $524.92Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/18/2016The account charge-off date was: 12/25/2016The account charge-off amount was: $524.92The account was acquired on or about: 01/12/2017The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $524.92This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
March 8, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Case/File No [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank (SB),...
N.A. Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 1, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in [redacted], having subsequently acquired it on September 20, 2004. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of this LVNV account. Please 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 concerns. This account originated on April 16, 2003 with [redacted] (SB), N.A. and was opened with [redacted]. The last payment in the amount of $552.00 was received on November 18, 2011. The account charged off on August 31, 2004. As of the date of this communication, the current account balance is $7,246.06. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, LVNV is not reporting the account to the major consumer reporting agencies, as the permissible reporting period for the account has expired. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNV. Any notification requirements for this account would have been met by these servicers. A judgment was obtained February 7, 2008 in the Justice Court Precinct 1, Place 2, [redacted] County, Texas with case number [redacted], and was renewed on January 22, 2018 by Writ of Execution. Enclosed is a copy of the court docket showing the judgment and Writ of Execution for your review. One method in which a judgment may be executed is a garnishment, and in this case, a garnishment was initiated by our third-party servicer. Resurgent 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 obligations. 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 action. Evidence regarding hardships should be sent to the address below. 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 affidavit. Our servicer’s records indicate that the enclosed identity theft affidavit was sent to Ms. [redacted] on March 5, 2018. 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] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact our servicer at 855-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) [redacted], P.C.P.O. Box [redacted], Texas 75011-5220[redacted] Park Dr[redacted], TX 77073[redacted], PCLICENSED IN AL, CA, DC, MD, NY, PA, SC, TN, TX, & VAATTORNEYS AT LAWPO Box [redacted], Texas 75011-5220NYC Dept. of Consumer Affairs Lic. Nos [redacted] and [redacted]March 5, 2018[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 correspondence. It is our understanding that you believe thatyou do not owe the debt because of either fraud or the theft of your identification. If, 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 account. However, 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 Fraud. Failing 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 involved. Also, the more information that we canput together for our Client, the better. If 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. ...
Regards,
[redacted] Hello I'm rejecting this because of key factors I do not live at the address listed yet I still do not know who this company is I understand that they have verification that they have rights to this debt but where is documented proof that they have verified that they have the right person or proof they have attempted to settle the debt with the person how do they have a right to have this trade line on my account when they have not successfully identified that they have the right person
[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to the additional concerns submitted by [redacted] dated July 14, 2017 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. As advised in our previous response, verification of debt with validation was mailed to Ms. [redacted] on September 21, 2016 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 expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, T. H[redacted] Compliance Department Resurgent Capital Services L.P.
I need the original signature the original copy of the contract
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. Thank you for your quick response and resolution to the matter.
Regards,
[redacted]
Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated March 7, 2016, regarding the above-referenced account. LVNV Funding LLC (“LVNV”), the Current Creditor-Debt Purchaser, owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. [redacted] letter asserts that LVNV “re-ages” accounts. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is January 9, 2014. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or about October 2020. Resurgent complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. This account has been properly verified, as required by the [redacted]. 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 expired. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]
Dear Ms. [redacted]: This letter is in response to your correspondence dated March...
20, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on October 28, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Please review the following account information: 1. This account originated on March 21, 2016 with [redacted] and was opened with [redacted] [redacted]. 2. This account charged off on September 4, 2016 with a balance of $231.99. 3. The last payment in the amount of $185.59 was received on January 25, 2017. We have verified that this account was satisfied in full on January 25, 2017 for $185.59. The status of the account was updated to “Satisfied in Full” on or about February 16, 2017. The account is considered resolved in our office, and Ms. [redacted] should not be contacted by Resurgent or any affiliate companies regarding the account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for Less Than the Full Balance” was submitted to the three major consumer reporting agencies in March 2017. The LVNV tradeline is currently accurately reporting as a paid collection. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. However, as a courtesy, a request to delete the LVNV tradeline will be submitted to the three major credit reporting agencies (also known as “credit bureaus”) during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account, we did not find any evidence of the mishandlings alleged in the complaint. We recognize that Ms. [redacted] previously sent emails to our Customer Service department regarding this account. Please be advised that Resurgent does not correspond with customers via electronic mail. This response shall serve as our formal response to Ms. [redacted]’s electronic correspondence. We apologize for any inconvenience. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
December 13, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Consumer USA Original Creditor: [redacted] Current Owner: LVNV...
Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $442.67 Dear Ms. [redacted]: This letter is in response to your correspondence dated December 6, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 28, 2016. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $442.67. Please review the following account information: 1. This account originated on January 12, 2015 with [redacted] and was opened with [redacted]. 2. This account charged off on December 20, 2015 with a balance of $442.67. 3. The last payment in the amount of $50.00 was received on May 22, 2015. 4. No payments have been received on this account since Resurgent started servicing it in April 2016. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. Verification of debt was previously provided to Ms. [redacted] on November 15, 2016 in response to her Consumer Financial Protection Bureau (“CFPB”) inquiry dated November 7, 2016. We are enclosing the bill statements and account summary previously provided to Ms. [redacted] as verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”). If, 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 matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If 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 full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P. Enclosures
[redacted]
[redacted] Previous Creditor: [redacted] Inc. Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number:...
[redacted] Current Balance: $255.09 Dear [redacted] This letter is in response to your correspondence, dated March 2, 2016, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted], [redacted]. on or about March 21, 2014. As of the date of this communication, the account balance is $255.09. Please review the following account information: 1. This account originated on October 9, 2009 with [redacted] 2. This account charged off on August 10, 2011 with a balance of $242.22. 3. No payments have been received on this account since Resurgent started servicing it in March 2014. 4. Enclosed please find an account summary on file for the account. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his/her dispute. In accordance with the [redacted] the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The term “open” in [redacted] credit report is not meant to indicate that the account is open or can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demand. Because the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio type. If [redacted] has additional questions related to the credit reporting, then he/she will need to contact the appropriate consumer reporting agencies. Resurgent previously received a letter from [redacted], dated August 12, 2015, which contained language we interpreted to request that we cease contact with him/her. Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent. Our records reflect that [redacted] called in to Resurgent on February 29, 2016, lifted the cease and desist, and requested to satisfy the account for less than the full balance. [redacted] was provided an offer of $190.00 to satisfy the account, and the enclosed letter confirming that offer was sent to [redacted] on or about March 1, 2016. Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition. If, upon hearing back from the original creditor, we learn anything to substantiate [redacted] claim(s), we will take any necessary steps to resolve this account. If 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 complaint. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P. Enclosures ACCOUNT SUMMARY REPORT3/8/2016 10:34:36 AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted]City: [redacted] Original Creditor [redacted] State: GA Inc.Zip Code: [redacted]Date of Last PaymentCurrent Balance SummaryOwed Collected BalancePrincipal $242.22 - $242.22Interest $12.87 - $12.87Total $255.09 - $255.09[redacted] The current balance due on this account is: $255.09 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 10/09/2009The account charge-off date was: 08/10/2011The account charge-off amount was: $242.22The account was acquired on or about: 03/21/2014The account was acquired from: [redacted]The account balance at time of acquisition: $242.22This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Financial Services Of Indiana, Inc. Original Creditor: [redacted] Financial Services, Inc. (formerly known as “[redacted] Finance”) Current Owner: LVNV Funding LLC Account Number:...
[redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated April 5, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 7, 2013. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Our records indicate the first communication we received from Mr. [redacted] was a letter dated March 20, 2017 that was received by our office on March 30, 2017. The account was accordingly placed into a dispute status and an investigation began into Mr. [redacted]’s claim. Upon receipt of his inquiry with the Revdex.com, the Compliance department conducted a review of the documentation that Mr. [redacted] provided in March, as well as the documentation he provided with his Revdex.com inquiry. After investigation, we have closed the account due to fraud. Mr. [redacted] should no longer be contacted by Resurgent or any affiliate companies regarding this account. Separately, a request to delete the LVNV tradeline for this account was submitted to the three major consumer reporting agencies in March 2017 as the permissible reporting period for credit reporting expired for this account. We apologize for any inconvenience Mr. [redacted] may have experienced. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
March 14, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted]
Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by [redacted] dated March 9, 2018 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the account numbers ending in [redacted] and [redacted] respectively. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts owned by LVNV. As advised in our previous response, Resurgent utilizes third-party servicers to service accounts on its behalf. These accounts have been placed with one of more of these third-party servicers since they were acquired by LVNV. Any notification requirements for these accounts were met by these servicers. The enclosed letters were mailed to Ms. [redacted], in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. Unless the information requested to resolve these accounts as fraudulent or paid is received, the accounts will continue to report as disputed until the permissible period for the credit reporting of these accounts has expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, L. R[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) **
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**August 12, 2016 [redacted] Way [redacted] GA 31322 RE: Original Creditor: [redacted] Bank, N.A. Account Number: XXXXXXXXXXXX[redacted] Balance Due: $1,246.16 Fees Due: $0.00 Interest Due: $0.00 Costs Due: $0.00 Total Due: $1,246.16 RE: LVNV Funding LLC to whom the debt is owed. Dear [redacted]: Please note that a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency by the current account owner if you fail to fulfill the terms of your credit obligations. This notice in no way affects any rights you may have. The attorneys with this firm are licensed to practice in the State of Georgia. Very truly yours, [redacted], JR. [redacted]
[redacted] File No.: [redacted]
THE LAW FIRM OF [redacted], JR., LLC IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
January 17, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Consumer USA Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $595.01 Dear Ms. R[redacted]: This letter is in response to your correspondence received January 11, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 30, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $595.01. Please review the following account information: 1. This account originated on December 20, 2013 with [redacted] and was opened with [redacted]. 2. This account charged off on February 10, 2015 with a balance of $595.01. 3. No payments have been received on this account since Resurgent started servicing it in April 2015. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The enclosed letters were mailed to Ms. [redacted] on November 6, 2017 in response to her October 25, 2017 correspondence. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”) and applicable state and local laws. 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 affidavit. If 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 full. In 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.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, J. A[redacted] Compliance Department Resurgent Capital Services L.P. Enclosures
[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding...
LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 15, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] Inc. on or about October 28, 2015. The last payment in the amount of $148.37 was received on January 29, 2016. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. We have verified this account was paid in full on January 29, 2016 for $148.37. The status of the account was updated to “Paid in Full” on February 11, 2016. The account is considered resolved in our office, and [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. The enclosed letter mailed to [redacted] on or about February 29, 2016 advises that the account is paid in full. In accordance with the [redacted]), a request to update this account as “Paid in Full” was submitted to the three major consumer reporting agencies during the March 2016 reporting cycle. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. We are unable to alter the credit reporting of another creditor. [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in error. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
They have no legal recourse for my not agreeing to pay this predator debt buyer and are simply...
negatively affecting my credit which is otherwise exemplary. I disagree as well that proper correspondence was issued regarding this debt, as I never received such correspondence or communication, and I'd like to see proof such correspondence was made. In their failing to adhere to notification and right to dispute communication requirements via direct contact or via these "3rd party vendors" mentioned, I request once again that this business cease and desist any further reporting to all three credit bureaus and have it removed.
Regards,
[redacted]
January 29, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted], [redacted] Dear Ms. R[redacted]: This letter is in response to your correspondence received January 22, 2018 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted]. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted], N.A. 1. This account originated on January 8, 2015 with [redacted], N.A. 2. This account charged off on June 18, 2016 with a balance of $910.57. 3. This account was purchased from [redacted] Bank (USA), N.A. on October 25, 2017. 4. No payments have been received on this account since Resurgent started servicing it in October 2017. 5. The current balance of this account is $910.57. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted], N.A. 1. This account originated on June 20, 2014 with [redacted], N.A. 2. This account charged off on June 29, 2016 with a balance of $571.22. 3. This account was purchased from [redacted] Bank (USA), N.A. on October 25, 2017. 4. No payments have been received on this account since Resurgent started servicing it in October 2017. 5. The current balance of this account is $571.22. LVNV acquired all ownership rights in these accounts upon LVNV’s purchase of these accounts. Those rights include, but are not limited to, the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) should these accounts are eligible for credit reporting. Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV. [redacted]’s complaint dated January 22, 2018 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced accounts. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradelines for these accounts to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. These accounts have been placed with one of more of these third-party servicers since they were acquired by LVNV. Any notification requirements for these accounts would have been met by these servicers. We are providing the enclosed bill statements and an account summary on file for each account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, [redacted] believes these accounts are fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If [redacted] believes that these accounts were previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning their dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P Enclosure(s) ACCOUNT SUMMARY REPORT1/31/2018 4:02:32 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Dr Resurgent Reference # [redacted]City: Clinton Township Original Creditor [redacted], N.A.State: MI Account Number XXXXXXXXXXXX[redacted]Zip Code: 48038-3546 Current Balance Due $571.22Date of Last Payment 06/22/2016Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 06/20/2014The account charge-off date was: 06/29/2016The account charge-off amount was: $571.22The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $571.22This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1ACCOUNT SUMMARY REPORT1/31/2018 4:04:17 PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] Dr Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted], N.A.State: MI Account Number XXXXXXXXXXXX[redacted]Zip Code: 48038-3546 Current Balance Due $910.57Date of Last Payment 11/14/2015Historical Account InformationThe original creditor for this account was: [redacted], N.A.The origination date with original creditor was: 01/08/2015The account charge-off date was: 06/18/2016The account charge-off amount was: $910.57The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $910.57This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1