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.
Any alleged agreement was not transferred to LVNV FUNDING and that I have no contact with them and I requested...
proof of a signed contract delegating an agreement between myself and LVNV funding in regard to the alleged debt.
Regards,
[redacted]
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]
Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $173.95 Dear Ms. [redacted] This letter is in response to your...
correspondence dated February 28, 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 March 21, 2014. As of the date of this communication, the account balance is $173.95. Please review the following account information: 1. This account originated on February 23, 2009 with [redacted] Communications, Inc. 2. This account charged off on July 29, 2011 with a balance of $163.99. 3. No payments have been received on this account since Resurgent started servicing it in March 2014. 4. Enclosed is 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 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. 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. [redacted] February 28, 2016 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the [redacted] website: [redacted] For convenience, a blank copy is enclosed. If [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure ACCOUNT SUMMARY REPORT3/4/2016 2:38:50 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] [redacted]City: [redacted] Original Creditor [redacted] Communications, State: KY Inc.Zip Code[redacted] Account Number [redacted]Date of Last PaymentCurrent Balance SummaryOwed Collected BalancePrincipal $163.99 - $163.99Interest $9.96 - $9.96Total $173.95 - $173.95[redacted] The current balance due on this account is: $173.95 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 02/23/2009The account charge-off date was: 07/29/2011The account charge-off amount was: $163.99The account was acquired on or about: 03/21/2014The account was acquired from: [redacted]The account balance at time of acquisition: $163.99This 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] Associates, Inc. Original Creditor: [redacted] Corporation of South Carolina Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,415.00 Dear Ms. [redacted]: This letter is in response to your correspondence dated July 5, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on December 23, 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 $1,415.00. Please review the following account information: 1. This account originated on July 28, 2014 with [redacted] Corporation of South Carolina (“[redacted]”) and was opened with [redacted]. 2. This account charged off on February 25, 2015 with a balance of $1,415.00. 3. No payments have been received on this account since Resurgent started servicing it in December 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. [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. Regarding Ms. [redacted]’s claim that “only parties to contracts should be able to sue to enforce their rights or claim damages as such,” our records do not indicate there is any pending legal action regarding this account. The enclosed letter containing verification of debt with validation was mailed to Ms. [redacted] on September 21, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are enclosing the loan agreement for review. This account has been properly verified as required by the FDCPA. Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on January 11, 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. 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, T. H[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
October 18, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [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: $695.96Dear Ms. R[redacted]:This letter is in response to your correspondence received October 12, 2017 regarding the above- referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on May 12, 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 $695.96. Please review the following account information:1. This account originated on May 27, 2015 with [redacted] Bank, N.A. 2. The last payment in the amount of $50.00 was received on August 9, 2015. 3. This account charged off on April 7, 2016 with a balance of $695.96. 4. No payments have been received on this account since Resurgent started servicing it in May 2016.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 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. 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 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. Enclosed is a copy of the notice that was sent on or about May 14, 2016 advising that information may be reported to the consumer reporting agencies if the debt is not paid.The enclosed letter containing verification of debt mailed to Mr. [redacted] on November 17, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements, terms and conditions, and an account summary on file for this account are enclosed for your reference. This account has been properly verified as required by the FDCPA.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] MS [redacted] Attn: Compliance P.O. Box [redacted], SC 29603If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1[redacted].Sincerely,A. J[redacted] Compliance Department Resurgent Capital Services L.P.Enclosure(s)
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: $647.21 Dear Ms. [redacted]: This letter is in response to your correspondence received May 18, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on February 12, 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 $647.21. Please review the following account information: 1. This account originated on January 30, 2014 with [redacted] Bank, N.A. 2. The last payment in the amount of $34.95 was received on May 8, 2014. 3. This account charged off on January 6, 2015 with a balance of $647.21. 4. No payments have been received on this account since Resurgent started servicing it in February 2015. 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. 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 letter containing verification of debt was mailed to Mr. [redacted] on May 4, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). In response to Mr. [redacted]’s certified letter received on March 28, 2017, the enclosed letters dated March 30, 2017 were sent to Mr. [redacted], well within thirty (30) days of receipt of his inquiry. Additionally, we are enclosing additional bill statements and the terms and conditions on file for this account. This account has been properly verified as required by the FDCPA. We have confirmed that Mr. [redacted]’s account is still within his state’s statute of limitations. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. If Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: 866-[redacted] MS [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. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
This letter is in response to your correspondence dated January 26, 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], LLC on or about November 17, 2009. Please review the following account information: 1. This account originated on August 15, 2007 with [redacted] Bank, N.A. 2. This account charged off on October 21, 2009 with a balance of $1,046.10. 3. The last payment in the amount of $64.24 was received on August 14, 2015. 4. Payments totaling $1,844.98 have been received since Resurgent started servicing the account in November 2009. 5. Enclosed is a bill statement on file for your review. 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. The account is currently being reported to the credit bureaus as “Account Paid in Full.” Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 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 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. Mr. [redacted]’s 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 April 20, 2009. In his complaint, Mr. [redacted] claims to have sent certified letters requesting proof of the debt. However, Mr. [redacted]’s complaint dated January 26, 2016 is the first written communication that Resurgent has received from him regarding the above-referenced account. Resurgent did receive a letter dated January 11, 2016 from Mr. [redacted] on January 27, 2016 requesting verification of the debt. However, that letter also included language we interpreted to mean that Mr. [redacted] wished our office to cease communication with him. As a result, no further communication, written or otherwise, will be sent to Mr. [redacted] by Resurgent or any affiliate company. A judgment was obtained October 28, 2013 in [redacted] District Court, [redacted] County, Kentucky with case number [redacted]. Court records indicate that Mr. [redacted] was served the summons and complaint on August 15, 2013. Enclosed is a copy of the judgment for your review. We have confirmed that Mr. [redacted]’s account was still within his state’s statute of limitations when the lawsuit was filed. Additionally, one method in which a judgment may be executed is wage garnishment and, in the case of this account, a wage garnishment was conducted. Enclosed please find a copy of the Order of Wage Garnishment Release. Additionally, we have verified this account was paid in full on August 14, 2015 with payments received in the total of amount of $1,844.98. A request was sent to the court to satisfy the judgment. Please see the enclosed Order of Satisfaction. We are not the source of public record information reported by consumer reporting agencies. If Mr. [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct his dispute or challenge to that source. If you have any further questions, comments or concerns, please contact Customer Service at [redacted]-[redacted]. Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number:...
[redacted] Reference Number: [redacted] Current Balance: $589.78 Dear Ms. [redacted]: This letter is in response to your correspondence dated October 10, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on August 22, 2014. 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 $589.78. Please review the following account information: 1. This account originated on October 1, 2013 with [redacted] Bank, N.A. 2. This account charged off on July 7, 2014 with a balance of $589.78. 3. The last payment in the amount of $50.00 was received on April 15, 2014. 4. No payments have been received on this account since Resurgent started servicing it in August 2014. 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. 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. Mr. [redacted]’s 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 November 6, 2013. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or before about August 2020. Verification of debt was previously provided to Mr. [redacted]’s attorney in compliance with the Fair Debt Collection Practices Act (“FDCPA”) with the enclosed letter dated May 7, 2015. Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account as further verification of the debt. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] MS 250 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
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.
Sending a debt validation letter two years after you begin collection activity and credit reporting is a violation...
of the FDCPA. LVNV also chooses to ignore the fact they were operating in a state they are not licensed and are collecting on a debt that the original creditor deleted due to violations of the FCRA. One of the three major credit reporting agencies already deleted the trade line. If you do not put in a request to delete reporting from the other two this problem will continue to escalate. Do the right thing or you will regret it, you are accomplishing nothing.
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] 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 January...
31, 2018 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. 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 June 7, 2016 with [redacted] and was opened with [redacted]. The last payment in the amount of $80.00 was received on July 15, 2016. The account charged off on February 24, 2017 with a balance of $682.70. LVNV subsequently acquired the account on March 28, 2017. No payments have been received on this account since Resurgent began servicing it in March 2017. The current account balance is $682.70. 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 will respond in a timely manner and provide 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 August 28, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in May 2023. We are providing the enclosed bill statements and account summary on file for this 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, 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] 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. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT2/5/2018 3:33:43 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 Unit * Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted]State: TX Account Number XXXXXXXXXXXX[redacted]Zip Code: 78681-4998 Merchant [redacted]Current Balance Due $682.70Date of Last Payment 07/15/2016Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 06/07/2016The account charge-off date was: 02/24/2017The account charge-off amount was: $682.70The account was acquired on or about: 03/28/2017The account was acquired from: [redacted] Consumer USAThe account balance at time of acquisition: $682.70This 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 find that this resolution is satisfactory to me. I had not received the debt validation they mailed in May, but appreciate receiving it now. This information clears up my misunderstanding.
Regards,
[redacted]
March 2, 2017 [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] Associates, Inc. Original Creditor: [redacted] Corporation of Texas Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated February 21, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on December 23, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Our records indicate Ms. [redacted] contacted Resurgent on March 2, 2017 and paid $400.00 to settle this account in full. The account status was updated to “settled in full.” The account is considered resolved in our office, and Ms. [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline to reflect this account as “Paid in Full for Less than the Full Balance” will be submitted to the three major consumer reporting agencies during the next reporting cycle. 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 have determined that this does not resolve my complaint.
I never received a dunning letter from “[redacted] Strategies” nor from “LVNV Funding LLC”, nor from...
“Resurgent Capital Services”
prior to them putting this info on all three credit bureau. I disputed both of these
accounts which is why LVNV Funding LLC provided a written response in 2018
because I disputed this information. I filed a dispute with [redacted] Bank
because the account was not mine and they have removed both of these accounts
off all three credit bureaus because the account was not mine. This account is
not mine and according to the FDCPA they have provided no proof this account is
mine. Both of these accounts need to be removed off all three credit bureaus,
[redacted] Bank the original creditor has removed both accounts off all three
credit bureaus because I disputed the accounts were not mine and they confirmed
that by removing both accounts off Equifax, Experian and Transunion. So they
are trying to collect on a debt that’s not mine and does not exist and has been
reporting inaccurate information on all my credit reports and needs to be
removed immediately.
Regards,
[redacted]
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: $1,005.22 Dear Ms. [redacted]: This letter...
is in response to your correspondence dated June 14, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 10, 2013. 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 $1,005.22. Please review the following account information: 1. This account originated on August 21, 2011 with [redacted] Bank, N.A. 2. The last payment in the amount of $50.00 was received on May 21, 2012. 3. This account charged off on December 27, 2012 with a balance of $723.11. 4. No payments have been received on this account since Resurgent started servicing it in January 2013. 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. We are unable to alter the credit reporting of another creditor. Mr. [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in error. 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 letter containing verification of debt was mailed to Mr. [redacted] on April 26, 2017 in response to his request dated April 15, 2017. Additionally, we are providing the enclosed bill statements on file for this account. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. If Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: 866-[redacted] MS [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. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Hello Cindy,I received the letter from LVNV and tried to reply with a rejection, but it continued to error when I tried to submit my response. Please find my response below with the attachment.Statements that were never sent to my address but rather on paperless billing with fraudualant charges does...
not support this is not fraudulant. I would like receipts showing my signature, a contract with my signature, and all statements from the start of the account in June 2012. The purchases on these statements are not mine, nor are the payments. I have already sent in a fraud affidavit, a police report incident number including the police officers name and phone number, and an identity theft report from the FTC. March 21st was not my first coorespondence with this company and is a flat out lie. I called in January when I first noticed this on my credit report. I disputed it on my credit report and also I sent over a fraud affadavit as well as the FTC report via fax on February 9th to the fax number provided of 866-[redacted] with no response except for another request for collection. I against sent it March 26th via fax to Gregg Morris, ESQ (attorney for LVNV) at fax number [redacted].I spoke with Gregg M[redacted] today at phone number [redacted] who stated he did receive my FTC report, police report incident number with name of agency, officer, and phone number, and my fraud affidavit. He advisex he had already sent it to the company for review and asked for me to call tomorrow as they have not responded. It was sent over to the company for the 3rd time and still they act as if theu never received it. This company is holding up a mortgage for me, and is refusing to handle the fraudulant charges and account on my credit appropriately and in a timely manner. Attached here is yet another coorspondence I sent to the company 2 days ago. I expect a letter stating the company has deleted the account from all 3 of my credit reports, has closed the account with a zero balance, and has ceased all collection efforts on this account. I need this letter immediately as this had been almost 2 months since they first received all of my information requested. Further more, I can not have a dispute reported on my credit file. I requested that this not be put in as a dispute on my credit report, but rather a deletion. This company is further messing up my mortgage process intentionally. If this is not handled within 72 hours, I will be contacting the media, the Consumer Financial Protection Bureau, the states Attorney General, and file an official complaint against the company with the Federal Trade Commission per the Federal Trade Commissions advisement.Please help me with this matter Cindy. Thany you,[redacted]
April 2, 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 Number: [redacted]
Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] received March 26, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent has received and reviewed Ms. [redacted]’s March 26, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry dated March 16, 2018 which is substantially the same as her March 26, 2018 dispute. Because her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our previous response, LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. [redacted] charged off this debt and sold the account. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Additionally, our previous response provided verification of the debt as required by the 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, A. J[redacted] Compliance Department 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: $816.71 Dear Ms. [redacted]: This...
letter is in response to your correspondence dated July 12, 2017, and received 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 $816.71. Please review the following account information: 1. This account originated on May 1, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. This account charged off on December 7, 2016 with a balance of $1,306.71. 3. The last payment in the amount of $98.00 was received on June 15, 2017. 4. Enclosed are bill statements, terms and conditions, 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 will respond in a timely manner and provide 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. Regarding Ms. [redacted]’s statement that Resurgent “sold this debt” to [redacted] and [redacted], Inc. (“[redacted]), please be advised that Resurgent did not sell this account to [redacted]. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. Resurgent placed this account with [redacted] for servicing. However, this account was recalled from [redacted] due to the electronic credit bureau dispute that Ms. [redacted] submitted through one or more consumer reporting agencies in June 2017. We apologize for any inconvenience Ms. [redacted] may have experienced. We recognize that Ms. [redacted] reached a payment agreement with our third-party servicer to pay $490.00 to satisfy the remaining balance on the account. We appreciate Ms. [redacted]’s willingness to pay this account and will honor the payment arrangement Ms. [redacted] made with our third-party servicer for $490.00. The balance may be broken into two monthly payments in the amount of $245.00. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “satisfied in full” and a request to update the LVNV tradeline to “account paid in full for less than the full balance” will be submitted to the three major consumer reporting agencies. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. All accounts that are eligible for reporting are reporting accurately to the three major credit reporting agencies. Payments may be mailed to the following address, or Ms. [redacted] may contact Customer Service at 888-[redacted] in order to make payments by phone. If mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this account. Resurgent Capital Services L.P. P.O. Box [redacted] Greenville, SC 29603 If payment is not received by the 7th of each month, starting in August 2017, this account may be placed for further collections, and this payment agreement may be re-evaluated. We are not obligated to renew this offer. It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. This offer is void if previous payment arrangements have been made. Resurgent will also mail Ms. [redacted] a letter confirming the details of the payment arrangement. 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 REPORT7/22/2017 11:01:51 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: 6[redacted] St Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted] Bank, N.A.State: PA Account Number XXXXXXXXXXXX[redacted]Zip Code: [redacted] Current Balance Due $816.71Date of Last Payment 06/15/2017Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/01/2014The account charge-off date was: 12/07/2016The account charge-off amount was: $1,306.71The account was acquired on or about: 01/12/2017The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $1,306.71This 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 [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 18, 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 May 9, 2013. Please review the following account information: 1. This account originated on April 7, 2008 with [redacted]. and was opened with [redacted] 2. This account charged off on May 31, 2010. 3. The last payment in the amount of $100.00 was received on March 31, 2015. 4. Payments totaling $2,853.32 have been received on this account since Resurgent started servicing it in May 2013. 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 as “Paid in Full for Less than the Full Balance” 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 electronic dispute that [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to her dispute. Our records indicate that the last payment of $100.00 was made on the account on March 31, 2015 and the status of the account was updated to Settled in Full on April 27, 2015. The tradeline was then reported accurately as Account Paid in Full for Less than the Full Balance. [redacted] charged off this debt and sold the account. 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 2, 2009. 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. Resurgent has no record of receiving any written or telephonic communication from [redacted] after the account status was updated to Settled in Full in April 2015. We apologize for any misunderstanding. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
Please see the attached response.June 22, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $970.51 Dear [redacted] This letter is in response to your correspondence dated June 22, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about July 11, 2013. As of the date of this communication, the account balance is $970.51. Please review the following account information: 1. This account originated on October 31, 2010, with [redacted] 2. This account charged off on June 6, 2013, with a balance of $819.61. 3. The last payment in the amount of $25.00 was received on December 20, 2012. 4. No payments have been received on this account since Resurgent started servicing it in July 2013. 5. Enclosed are bill statements, terms and conditions and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent utilizes third party collection agencies to service accounts on its behalf. Our servicer received the enclosed Revdex.com (“Revdex.com”) inquiry dated May 31, 2014, which is substantially the same as the correspondence received June 22, 2015. Enclosed is our servicer’s response to the Revdex.com inquiry dated June 4, 2014. Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent. [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. However, no calls have been made regarding this account since Resurgent placed the account in a cease status on June 11, 2014. Furthermore, Resurgent has not received any correspondence directly from [redacted]. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
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.
Any alleged agreement was not transferred to LVNV FUNDING and that I have no contact with them and I requested...
proof of a signed contract delegating an agreement between myself and LVNV funding in regard to the alleged debt.
Regards,
[redacted]
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]
Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $173.95 Dear Ms. [redacted] This letter is in response to your...
correspondence dated February 28, 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 March 21, 2014. As of the date of this communication, the account balance is $173.95. Please review the following account information: 1. This account originated on February 23, 2009 with [redacted] Communications, Inc. 2. This account charged off on July 29, 2011 with a balance of $163.99. 3. No payments have been received on this account since Resurgent started servicing it in March 2014. 4. Enclosed is 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 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. 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. [redacted] February 28, 2016 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the [redacted] website: [redacted] For convenience, a blank copy is enclosed. If [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] [redacted] If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure ACCOUNT SUMMARY REPORT3/4/2016 2:38:50 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] [redacted]City: [redacted] Original Creditor [redacted] Communications, State: KY Inc.Zip Code[redacted] Account Number [redacted]Date of Last PaymentCurrent Balance SummaryOwed Collected BalancePrincipal $163.99 - $163.99Interest $9.96 - $9.96Total $173.95 - $173.95[redacted] The current balance due on this account is: $173.95 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 02/23/2009The account charge-off date was: 07/29/2011The account charge-off amount was: $163.99The account was acquired on or about: 03/21/2014The account was acquired from: [redacted]The account balance at time of acquisition: $163.99This 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] Associates, Inc. Original Creditor: [redacted] Corporation of South Carolina Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,415.00 Dear Ms. [redacted]: This letter is in response to your correspondence dated July 5, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on December 23, 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 $1,415.00. Please review the following account information: 1. This account originated on July 28, 2014 with [redacted] Corporation of South Carolina (“[redacted]”) and was opened with [redacted]. 2. This account charged off on February 25, 2015 with a balance of $1,415.00. 3. No payments have been received on this account since Resurgent started servicing it in December 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. [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. Regarding Ms. [redacted]’s claim that “only parties to contracts should be able to sue to enforce their rights or claim damages as such,” our records do not indicate there is any pending legal action regarding this account. The enclosed letter containing verification of debt with validation was mailed to Ms. [redacted] on September 21, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are enclosing the loan agreement for review. This account has been properly verified as required by the FDCPA. Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on January 11, 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. 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, T. H[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
October 18, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [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: $695.96Dear Ms. R[redacted]:This letter is in response to your correspondence received October 12, 2017 regarding the above- referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on May 12, 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 $695.96. Please review the following account information:1. This account originated on May 27, 2015 with [redacted] Bank, N.A. 2. The last payment in the amount of $50.00 was received on August 9, 2015. 3. This account charged off on April 7, 2016 with a balance of $695.96. 4. No payments have been received on this account since Resurgent started servicing it in May 2016.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 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. 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 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. Enclosed is a copy of the notice that was sent on or about May 14, 2016 advising that information may be reported to the consumer reporting agencies if the debt is not paid.The enclosed letter containing verification of debt mailed to Mr. [redacted] on November 17, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements, terms and conditions, and an account summary on file for this account are enclosed for your reference. This account has been properly verified as required by the FDCPA.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] MS [redacted] Attn: Compliance P.O. Box [redacted], SC 29603If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1[redacted].Sincerely,A. J[redacted] Compliance Department Resurgent Capital Services L.P.Enclosure(s)
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: $647.21 Dear Ms. [redacted]: This letter is in response to your correspondence received May 18, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on February 12, 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 $647.21. Please review the following account information: 1. This account originated on January 30, 2014 with [redacted] Bank, N.A. 2. The last payment in the amount of $34.95 was received on May 8, 2014. 3. This account charged off on January 6, 2015 with a balance of $647.21. 4. No payments have been received on this account since Resurgent started servicing it in February 2015. 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. 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 letter containing verification of debt was mailed to Mr. [redacted] on May 4, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). In response to Mr. [redacted]’s certified letter received on March 28, 2017, the enclosed letters dated March 30, 2017 were sent to Mr. [redacted], well within thirty (30) days of receipt of his inquiry. Additionally, we are enclosing additional bill statements and the terms and conditions on file for this account. This account has been properly verified as required by the FDCPA. We have confirmed that Mr. [redacted]’s account is still within his state’s statute of limitations. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. If Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: 866-[redacted] MS [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. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
This letter is in response to your correspondence dated January 26, 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], LLC on or about November 17, 2009. Please review the following account information: 1. This account originated on August 15, 2007 with [redacted] Bank, N.A. 2. This account charged off on October 21, 2009 with a balance of $1,046.10. 3. The last payment in the amount of $64.24 was received on August 14, 2015. 4. Payments totaling $1,844.98 have been received since Resurgent started servicing the account in November 2009. 5. Enclosed is a bill statement on file for your review. 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. The account is currently being reported to the credit bureaus as “Account Paid in Full.” Since the legal time limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 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 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. Mr. [redacted]’s 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 April 20, 2009. In his complaint, Mr. [redacted] claims to have sent certified letters requesting proof of the debt. However, Mr. [redacted]’s complaint dated January 26, 2016 is the first written communication that Resurgent has received from him regarding the above-referenced account. Resurgent did receive a letter dated January 11, 2016 from Mr. [redacted] on January 27, 2016 requesting verification of the debt. However, that letter also included language we interpreted to mean that Mr. [redacted] wished our office to cease communication with him. As a result, no further communication, written or otherwise, will be sent to Mr. [redacted] by Resurgent or any affiliate company. A judgment was obtained October 28, 2013 in [redacted] District Court, [redacted] County, Kentucky with case number [redacted]. Court records indicate that Mr. [redacted] was served the summons and complaint on August 15, 2013. Enclosed is a copy of the judgment for your review. We have confirmed that Mr. [redacted]’s account was still within his state’s statute of limitations when the lawsuit was filed. Additionally, one method in which a judgment may be executed is wage garnishment and, in the case of this account, a wage garnishment was conducted. Enclosed please find a copy of the Order of Wage Garnishment Release. Additionally, we have verified this account was paid in full on August 14, 2015 with payments received in the total of amount of $1,844.98. A request was sent to the court to satisfy the judgment. Please see the enclosed Order of Satisfaction. We are not the source of public record information reported by consumer reporting agencies. If Mr. [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct his dispute or challenge to that source. If you have any further questions, comments or concerns, please contact Customer Service at [redacted]-[redacted]. Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number:...
[redacted] Reference Number: [redacted] Current Balance: $589.78 Dear Ms. [redacted]: This letter is in response to your correspondence dated October 10, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on August 22, 2014. 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 $589.78. Please review the following account information: 1. This account originated on October 1, 2013 with [redacted] Bank, N.A. 2. This account charged off on July 7, 2014 with a balance of $589.78. 3. The last payment in the amount of $50.00 was received on April 15, 2014. 4. No payments have been received on this account since Resurgent started servicing it in August 2014. 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. 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. Mr. [redacted]’s 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 November 6, 2013. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or before about August 2020. Verification of debt was previously provided to Mr. [redacted]’s attorney in compliance with the Fair Debt Collection Practices Act (“FDCPA”) with the enclosed letter dated May 7, 2015. Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account as further verification of the debt. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] MS 250 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
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.
Sending a debt validation letter two years after you begin collection activity and credit reporting is a violation...
of the FDCPA. LVNV also chooses to ignore the fact they were operating in a state they are not licensed and are collecting on a debt that the original creditor deleted due to violations of the FCRA. One of the three major credit reporting agencies already deleted the trade line. If you do not put in a request to delete reporting from the other two this problem will continue to escalate. Do the right thing or you will regret it, you are accomplishing nothing.
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] 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 January...
31, 2018 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. 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 June 7, 2016 with [redacted] and was opened with [redacted]. The last payment in the amount of $80.00 was received on July 15, 2016. The account charged off on February 24, 2017 with a balance of $682.70. LVNV subsequently acquired the account on March 28, 2017. No payments have been received on this account since Resurgent began servicing it in March 2017. The current account balance is $682.70. 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 will respond in a timely manner and provide 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 August 28, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in May 2023. We are providing the enclosed bill statements and account summary on file for this 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, 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] 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. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT2/5/2018 3:33:43 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 Unit * Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted]State: TX Account Number XXXXXXXXXXXX[redacted]Zip Code: 78681-4998 Merchant [redacted]Current Balance Due $682.70Date of Last Payment 07/15/2016Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 06/07/2016The account charge-off date was: 02/24/2017The account charge-off amount was: $682.70The account was acquired on or about: 03/28/2017The account was acquired from: [redacted] Consumer USAThe account balance at time of acquisition: $682.70This 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 find that this resolution is satisfactory to me. I had not received the debt validation they mailed in May, but appreciate receiving it now. This information clears up my misunderstanding.
Regards,
[redacted]
March 2, 2017 [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] Associates, Inc. Original Creditor: [redacted] Corporation of Texas Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated February 21, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on December 23, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Our records indicate Ms. [redacted] contacted Resurgent on March 2, 2017 and paid $400.00 to settle this account in full. The account status was updated to “settled in full.” The account is considered resolved in our office, and Ms. [redacted] should not be contacted by Resurgent or any affiliate companies regarding this account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline to reflect this account as “Paid in Full for Less than the Full Balance” will be submitted to the three major consumer reporting agencies during the next reporting cycle. 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 have determined that this does not resolve my complaint.
I never received a dunning letter from “[redacted] Strategies” nor from “LVNV Funding LLC”, nor from...
“Resurgent Capital Services”
prior to them putting this info on all three credit bureau. I disputed both of these
accounts which is why LVNV Funding LLC provided a written response in 2018
because I disputed this information. I filed a dispute with [redacted] Bank
because the account was not mine and they have removed both of these accounts
off all three credit bureaus because the account was not mine. This account is
not mine and according to the FDCPA they have provided no proof this account is
mine. Both of these accounts need to be removed off all three credit bureaus,
[redacted] Bank the original creditor has removed both accounts off all three
credit bureaus because I disputed the accounts were not mine and they confirmed
that by removing both accounts off Equifax, Experian and Transunion. So they
are trying to collect on a debt that’s not mine and does not exist and has been
reporting inaccurate information on all my credit reports and needs to be
removed immediately.
Regards,
[redacted]
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: $1,005.22 Dear Ms. [redacted]: This letter...
is in response to your correspondence dated June 14, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on January 10, 2013. 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 $1,005.22. Please review the following account information: 1. This account originated on August 21, 2011 with [redacted] Bank, N.A. 2. The last payment in the amount of $50.00 was received on May 21, 2012. 3. This account charged off on December 27, 2012 with a balance of $723.11. 4. No payments have been received on this account since Resurgent started servicing it in January 2013. 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. We are unable to alter the credit reporting of another creditor. Mr. [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in error. 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 letter containing verification of debt was mailed to Mr. [redacted] on April 26, 2017 in response to his request dated April 15, 2017. Additionally, we are providing the enclosed bill statements on file for this account. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. If Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: 866-[redacted] MS [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. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Hello Cindy,I received the letter from LVNV and tried to reply with a rejection, but it continued to error when I tried to submit my response. Please find my response below with the attachment.Statements that were never sent to my address but rather on paperless billing with fraudualant charges does...
not support this is not fraudulant. I would like receipts showing my signature, a contract with my signature, and all statements from the start of the account in June 2012. The purchases on these statements are not mine, nor are the payments. I have already sent in a fraud affidavit, a police report incident number including the police officers name and phone number, and an identity theft report from the FTC. March 21st was not my first coorespondence with this company and is a flat out lie. I called in January when I first noticed this on my credit report. I disputed it on my credit report and also I sent over a fraud affadavit as well as the FTC report via fax on February 9th to the fax number provided of 866-[redacted] with no response except for another request for collection. I against sent it March 26th via fax to Gregg Morris, ESQ (attorney for LVNV) at fax number [redacted].I spoke with Gregg M[redacted] today at phone number [redacted] who stated he did receive my FTC report, police report incident number with name of agency, officer, and phone number, and my fraud affidavit. He advisex he had already sent it to the company for review and asked for me to call tomorrow as they have not responded. It was sent over to the company for the 3rd time and still they act as if theu never received it. This company is holding up a mortgage for me, and is refusing to handle the fraudulant charges and account on my credit appropriately and in a timely manner. Attached here is yet another coorspondence I sent to the company 2 days ago. I expect a letter stating the company has deleted the account from all 3 of my credit reports, has closed the account with a zero balance, and has ceased all collection efforts on this account. I need this letter immediately as this had been almost 2 months since they first received all of my information requested. Further more, I can not have a dispute reported on my credit file. I requested that this not be put in as a dispute on my credit report, but rather a deletion. This company is further messing up my mortgage process intentionally. If this is not handled within 72 hours, I will be contacting the media, the Consumer Financial Protection Bureau, the states Attorney General, and file an official complaint against the company with the Federal Trade Commission per the Federal Trade Commissions advisement.Please help me with this matter Cindy. Thany you,[redacted]
April 2, 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 Number: [redacted]
Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] received March 26, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent has received and reviewed Ms. [redacted]’s March 26, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry dated March 16, 2018 which is substantially the same as her March 26, 2018 dispute. Because her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our previous response, LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. [redacted] charged off this debt and sold the account. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Additionally, our previous response provided verification of the debt as required by the 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, A. J[redacted] Compliance Department 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: $816.71 Dear Ms. [redacted]: This...
letter is in response to your correspondence dated July 12, 2017, and received 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 $816.71. Please review the following account information: 1. This account originated on May 1, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. This account charged off on December 7, 2016 with a balance of $1,306.71. 3. The last payment in the amount of $98.00 was received on June 15, 2017. 4. Enclosed are bill statements, terms and conditions, 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 will respond in a timely manner and provide 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. Regarding Ms. [redacted]’s statement that Resurgent “sold this debt” to [redacted] and [redacted], Inc. (“[redacted]), please be advised that Resurgent did not sell this account to [redacted]. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. Resurgent placed this account with [redacted] for servicing. However, this account was recalled from [redacted] due to the electronic credit bureau dispute that Ms. [redacted] submitted through one or more consumer reporting agencies in June 2017. We apologize for any inconvenience Ms. [redacted] may have experienced. We recognize that Ms. [redacted] reached a payment agreement with our third-party servicer to pay $490.00 to satisfy the remaining balance on the account. We appreciate Ms. [redacted]’s willingness to pay this account and will honor the payment arrangement Ms. [redacted] made with our third-party servicer for $490.00. The balance may be broken into two monthly payments in the amount of $245.00. Upon confirmation that all funds have cleared the banking system, the account status will be updated to “satisfied in full” and a request to update the LVNV tradeline to “account paid in full for less than the full balance” will be submitted to the three major consumer reporting agencies. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. All accounts that are eligible for reporting are reporting accurately to the three major credit reporting agencies. Payments may be mailed to the following address, or Ms. [redacted] may contact Customer Service at 888-[redacted] in order to make payments by phone. If mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this account. Resurgent Capital Services L.P. P.O. Box [redacted] Greenville, SC 29603 If payment is not received by the 7th of each month, starting in August 2017, this account may be placed for further collections, and this payment agreement may be re-evaluated. We are not obligated to renew this offer. It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. This offer is void if previous payment arrangements have been made. Resurgent will also mail Ms. [redacted] a letter confirming the details of the payment arrangement. 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 REPORT7/22/2017 11:01:51 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: 6[redacted] St Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted] Bank, N.A.State: PA Account Number XXXXXXXXXXXX[redacted]Zip Code: [redacted] Current Balance Due $816.71Date of Last Payment 06/15/2017Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/01/2014The account charge-off date was: 12/07/2016The account charge-off amount was: $1,306.71The account was acquired on or about: 01/12/2017The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $1,306.71This 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 [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 18, 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 May 9, 2013. Please review the following account information: 1. This account originated on April 7, 2008 with [redacted]. and was opened with [redacted] 2. This account charged off on May 31, 2010. 3. The last payment in the amount of $100.00 was received on March 31, 2015. 4. Payments totaling $2,853.32 have been received on this account since Resurgent started servicing it in May 2013. 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 as “Paid in Full for Less than the Full Balance” 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 electronic dispute that [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to her dispute. Our records indicate that the last payment of $100.00 was made on the account on March 31, 2015 and the status of the account was updated to Settled in Full on April 27, 2015. The tradeline was then reported accurately as Account Paid in Full for Less than the Full Balance. [redacted] charged off this debt and sold the account. 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 2, 2009. 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. Resurgent has no record of receiving any written or telephonic communication from [redacted] after the account status was updated to Settled in Full in April 2015. We apologize for any misunderstanding. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
Please see the attached response.June 22, 2015 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Case/File No. [redacted] Previous Creditor: [redacted] Original Creditor: [redacted]...
[redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $970.51 Dear [redacted] This letter is in response to your correspondence dated June 22, 2015, regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about July 11, 2013. As of the date of this communication, the account balance is $970.51. Please review the following account information: 1. This account originated on October 31, 2010, with [redacted] 2. This account charged off on June 6, 2013, with a balance of $819.61. 3. The last payment in the amount of $25.00 was received on December 20, 2012. 4. No payments have been received on this account since Resurgent started servicing it in July 2013. 5. Enclosed are bill statements, terms and conditions and an account summary for your review. All ownership rights were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”). Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent utilizes third party collection agencies to service accounts on its behalf. Our servicer received the enclosed Revdex.com (“Revdex.com”) inquiry dated May 31, 2014, which is substantially the same as the correspondence received June 22, 2015. Enclosed is our servicer’s response to the Revdex.com inquiry dated June 4, 2014. Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent. [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. However, no calls have been made regarding this account since Resurgent placed the account in a cease status on June 11, 2014. Furthermore, Resurgent has not received any correspondence directly from [redacted]. If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint. In addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
This loan was sold to [redacted] which is now Resurgants. It was sold 1/17/2008. [redacted] Please redirect