Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
As of March 2017 Resurgent/LVNV has been reporting a collection to Transunion, Equifax, and Experian....
Resurgent/LVNV has been reporting this collection in violation of the Fair Debt Collection Practices Act (FDCPA) as I have never received a Formal Dunning Letter referencing the account. The copy of an email included in response to my initial complaint, which I have no recollection of, is dated two months after first reporting and and is in no way proof of receipt of a Formal Dunning Letter nor is it one in and of itself. As of March 9th, 2018 Resurgent/LVNV has failed to provide a dunning letter in accordance with the Fair Debt Collection Practices Act (FDCPA) and I am requesting this account to be deleted from all credit reports.
Regards,
[redacted]
Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM June 8, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: [redacted] Account Number: [redacted] Reference Number: [redacted] Current Balance: [redacted] Dear [redacted] This letter is in response to your correspondence dated June 7, 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]C on or about April 12, 2016. As of the date of this communication, the account balance is $626.16. Please review the following account information: 1. This account originated on October 31, 2014 with [redacted] 2. This account charged off on March 6, 2016 with a balance of $626.16. 3. The last payment in the amount of $59.95 was received on July 10, 2015. 4. No payments have been received on this account since Resurgent started servicing it in April 2016. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. [redacted] complaint dated June 7, 2016 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. In accordance with the [redacted]”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. We are providing the enclosed terms and conditions, bill statements and account summary as verification of debt in accordance with the [redacted])), and applicable state and local requirements. Please note that the bill statements include statements from prior account numbers [redacted] and [redacted], which were reported lost or stolen, until the balance from the account ending in [redacted] was transferred onto the current account, ending in [redacted], on December 10, 2014. If, after reviewing the above-referenced information, Saniyyah Holt believes this account is fraudulent, we ask that he/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: [redacted] If [redacted] believes that this account was previously paid or satisfied in full, please advise him/her 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/her 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. Enclosures ACCOUNT SUMMARY REPORT6/8/2016 10:30:54 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]Address: [redacted] [redacted]City: [redacted]State: [redacted]Zip Code: [redacted] Date of Last Payment 07/10/2015Current Balance SummaryOwed Collected BalancePrincipal $626.16 - $626.16Total $626.16 - $626.16[redacted] The current balance due on this account is: $626.16 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 10/31/2014The account charge-off date was: 03/06/2016The account charge-off amount was: $626.16The account was acquired on or about: 04/12/2016The account was acquired from: [redacted]The account balance at time of acquisition: $626.16This 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], N.A. Original Creditor: [redacted] Bank Nevada, N.A. Current Owner: [redacted] Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,733.45 Dear Ms....
[redacted]: This letter is in response to your correspondence dated October 4, 2016 regarding the above-referenced account. [redacted] Funding LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on January 28, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. As of the date of this communication, the account balance is $2,733.45. Please review the following account information: 1. This account originated on May 24, 2008 with [redacted] Bank Nevada, N.A. 2. This account charged off on June 30, 2012 with a balance of $2,233.63. 3. No payments have been received on this account since Resurgent started servicing it in January 2014. All ownership rights in this account were transferred to [redacted] 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 [redacted]. 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 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 [redacted] 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. Verification of debt was provided to Ms. [redacted] in response to her previous inquiry with the Revdex.com (“Revdex.com”) in July 2016. Enclosed is our previous response dated July 26, 2016, which contained the bill statements and an account summary on file for this account. Additionally, we provided Ms. [redacted] with verification of debt again in September 2016 in response to her inquiry via the Consumer Financial Protection Bureau (“CFPB”). This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). We received Ms. [redacted]’s electronic correspondence regarding her financial hardship, but it contained no evidence to support her hardship claim. Resurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligations. We request that Ms. [redacted] provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate action. Evidence regarding hardships should be sent to the address below. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Ms. [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted], 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
This letter is in response to your correspondence dated February 3, 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 February 18, 2009. As of the date of this communication, the account balance is $1,363.24. Please review the following account information: 1. This account originated on June 10, 2008 with [redacted] Bank, N.A. 2. This account charged off on January 16, 2009 with a balance of $626.48. 3. No payments have been received on this account since Resurgent started servicing it in February 2009. 4. Please find enclosed an account summary and bill statement 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, LVNV is not reporting the account to the major consumer reporting agencies. A request to delete the LVNV tradeline was submitted to the major consumer reporting agencies on or about May 2015. 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] claims Resurgent has not responded to his request for validation of the debt. Resurgent received a letter from Mr. [redacted] dated September 19, 2013 requesting validation of the debt. Verification of debt with validation was mailed to Mr. [redacted] on October 7, 2013 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter for your review. Resurgent has not received a certified letter from Mr. [redacted], nor has Mr. [redacted] contacted our office by phone. 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...⇄ 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: [redacted] [redacted]
[redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
August 2, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted] [redacted] [redacted] This letter is in...
response to your correspondence dated July 27, 2016 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the three referenced accounts for [redacted]. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the following account information: [redacted] [redacted] [redacted] 1. This account originated on June 2, 2004 with [redacted] and was opened with [redacted] 2. This account charged off on November 13, 2008 with a balance of $237.48. 3. LVNV acquired this account on December 30, 2008. 4. The last payment was received on April 8, 2008. 5. No payments have been received on this account since Resurgent started servicing it in December 2008. 6. The current balance of this account is $1,595.67. 7. Enclosed is an account summary on file for the account. [redacted] [redacted] [redacted] 1. This account originated on July 12, 2004 with [redacted] 2. This account charged off on November 30, 2007. 3. LVNV acquired this account on September 23, 2011. 4. The last payment in the amount of $50.00 was received on December 7, 2007. 5. No payments have been received on this account since Resurgent started servicing it in September 2011. 6. The current balance of this account is $4,695.13. 7. Enclosed is an account summary on file for this account. [redacted] [redacted] [redacted] 1. This account originated on December 10, 2003 with [redacted] N.A. and was opened with [redacted] 2. This account charged off on November 13, 2007. 3. LVNV acquired the account on September 23, 2011. 4. The last payment in the amount of $20.00 was received on December 13, 2007. 5. No payments have been received on this account since Resurgent started servicing it in September 2011. 6. The current balance of this account is $959.07. 7. Enclosed is an account summary on file for this account. All ownership rights in these accounts were transferred to LVNV when these accounts were purchased from the previous creditor(s). Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the accounts are eligible for credit reporting. Currently, LVNV is not reporting the accounts to the major consumer reporting agencies. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balances are still collectible as expiration of the statute of limitations does not invalidate the obligation or his/her responsibility for the balances due on these accounts. [redacted] July 27, 2016 complaint 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 accounts so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, [redacted] believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ [redacted] believes that these accounts were previously paid or satisfied in full, please advise him to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: [redacted] [redacted] [redacted] [redacted] If you have any further questions, comments or concerns, please contact Customer Service [redacted] Sincerely,
[redacted] [redacted] Resurgent Capital Services L.P. Enclosures ACCOUNT SUMMARY REPORT8/2/2016 11:48:13 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 Information[redacted]ing LLC[redacted] [redacted] [redacted] [redacted]Date of Last Payment 04/08/2008Current Balance SummaryOwed Collected BalancePrincipal $726.87 - $726.87Interest $868.80 - $868.80Total $1,595.67 - $1,595.67[redacted] The current balance due on this account is: $1,595.67 [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: 06/02/2004The account charge-off date was: 11/13/2008The account charge-off amount was: $237.48The account was acquired on or about: 12/30/2008The account was acquired from: [redacted]The account balance at time of acquisition: $726.87This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1ACCOUNT SUMMARY REPORT8/2/2016 11:48:13 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 Information[redacted] [redacted] [redacted]Zip Code: 91786-3120 Date of Last Payment 12/07/2007Current Balance SummaryOwed Collected BalancePrincipal $3,312.75 - $3,312.75Interest $1,382.38 - $1,382.38Total $4,695.13 - $4,695.13[redacted] The current balance due on this account is: $4,695.13 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at 1[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: 07/12/2004The account charge-off date was: 11/30/2007The account was acquired on or about: 09/23/2011The account was acquired from[redacted]The account balance at time of acquisition: $3,927.01This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1ACCOUNT SUMMARY REPORT8/2/2016 11:48:14 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 Information[redacted] [redacted] [redacted]Date of Last Payment 12/13/2007Current Balance SummaryOwed Collected BalancePrincipal $762.95 - $762.95Interest $196.12 - $196.12Total $959.07 - $959.07[redacted] The current balance due on this account is: $959.07 [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 a[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: 12/10/2003The account charge-off date was: 11/13/2007The account was acquired on or about: 09/23/2011The account was acquired from: [redacted]The account balance at time of acquisition: $782.14This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Please see attached.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
As of March 2017 Resurgent/LVNV has been reporting a collection to Transunion, Equifax, and Experian....
Resurgent/LVNV has been reporting this collection in violation of the Fair Debt Collection Practices Act (FDCPA) as I have never received a Formal Dunning Letter referencing the account. The copy of an email included in response to my initial complaint, which I have no recollection of, is dated two months after first reporting and and is in no way proof of receipt of a Formal Dunning Letter nor is it one in and of itself. As of March 9th, 2018 Resurgent/LVNV has failed to provide a dunning letter in accordance with the Fair Debt Collection Practices Act (FDCPA) and I am requesting this account to be deleted from all credit reports.
Regards,
[redacted]
Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM June 8, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous Creditor: [redacted] Original Creditor: [redacted] Current Owner: [redacted] Account Number: [redacted] Reference Number: [redacted] Current Balance: [redacted] Dear [redacted] This letter is in response to your correspondence dated June 7, 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]C on or about April 12, 2016. As of the date of this communication, the account balance is $626.16. Please review the following account information: 1. This account originated on October 31, 2014 with [redacted] 2. This account charged off on March 6, 2016 with a balance of $626.16. 3. The last payment in the amount of $59.95 was received on July 10, 2015. 4. No payments have been received on this account since Resurgent started servicing it in April 2016. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. [redacted] complaint dated June 7, 2016 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. In accordance with the [redacted]”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. We are providing the enclosed terms and conditions, bill statements and account summary as verification of debt in accordance with the [redacted])), and applicable state and local requirements. Please note that the bill statements include statements from prior account numbers [redacted] and [redacted], which were reported lost or stolen, until the balance from the account ending in [redacted] was transferred onto the current account, ending in [redacted], on December 10, 2014. If, after reviewing the above-referenced information, Saniyyah Holt believes this account is fraudulent, we ask that he/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: [redacted] If [redacted] believes that this account was previously paid or satisfied in full, please advise him/her 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/her 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. Enclosures ACCOUNT SUMMARY REPORT6/8/2016 10:30:54 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]Address: [redacted] [redacted]City: [redacted]State: [redacted]Zip Code: [redacted] Date of Last Payment 07/10/2015Current Balance SummaryOwed Collected BalancePrincipal $626.16 - $626.16Total $626.16 - $626.16[redacted] The current balance due on this account is: $626.16 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 10/31/2014The account charge-off date was: 03/06/2016The account charge-off amount was: $626.16The account was acquired on or about: 04/12/2016The account was acquired from: [redacted]The account balance at time of acquisition: $626.16This 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], N.A. Original Creditor: [redacted] Bank Nevada, N.A. Current Owner: [redacted] Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $2,733.45 Dear Ms....
[redacted]: This letter is in response to your correspondence dated October 4, 2016 regarding the above-referenced account. [redacted] Funding LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on January 28, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. As of the date of this communication, the account balance is $2,733.45. Please review the following account information: 1. This account originated on May 24, 2008 with [redacted] Bank Nevada, N.A. 2. This account charged off on June 30, 2012 with a balance of $2,233.63. 3. No payments have been received on this account since Resurgent started servicing it in January 2014. All ownership rights in this account were transferred to [redacted] 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 [redacted]. 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 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 [redacted] 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. Verification of debt was provided to Ms. [redacted] in response to her previous inquiry with the Revdex.com (“Revdex.com”) in July 2016. Enclosed is our previous response dated July 26, 2016, which contained the bill statements and an account summary on file for this account. Additionally, we provided Ms. [redacted] with verification of debt again in September 2016 in response to her inquiry via the Consumer Financial Protection Bureau (“CFPB”). This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). We received Ms. [redacted]’s electronic correspondence regarding her financial hardship, but it contained no evidence to support her hardship claim. Resurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligations. We request that Ms. [redacted] provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate action. Evidence regarding hardships should be sent to the address below. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Ms. [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted], 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
This letter is in response to your correspondence dated February 3, 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 February 18, 2009. As of the date of this communication, the account balance is $1,363.24. Please review the following account information: 1. This account originated on June 10, 2008 with [redacted] Bank, N.A. 2. This account charged off on January 16, 2009 with a balance of $626.48. 3. No payments have been received on this account since Resurgent started servicing it in February 2009. 4. Please find enclosed an account summary and bill statement 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, LVNV is not reporting the account to the major consumer reporting agencies. A request to delete the LVNV tradeline was submitted to the major consumer reporting agencies on or about May 2015. 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] claims Resurgent has not responded to his request for validation of the debt. Resurgent received a letter from Mr. [redacted] dated September 19, 2013 requesting validation of the debt. Verification of debt with validation was mailed to Mr. [redacted] on October 7, 2013 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter for your review. Resurgent has not received a certified letter from Mr. [redacted], nor has Mr. [redacted] contacted our office by phone. 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...⇄ 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: [redacted] [redacted]
[redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at [redacted]
August 2, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted] [redacted] [redacted] This letter is in...
response to your correspondence dated July 27, 2016 regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns the three referenced accounts for [redacted]. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the following account information: [redacted] [redacted] [redacted] 1. This account originated on June 2, 2004 with [redacted] and was opened with [redacted] 2. This account charged off on November 13, 2008 with a balance of $237.48. 3. LVNV acquired this account on December 30, 2008. 4. The last payment was received on April 8, 2008. 5. No payments have been received on this account since Resurgent started servicing it in December 2008. 6. The current balance of this account is $1,595.67. 7. Enclosed is an account summary on file for the account. [redacted] [redacted] [redacted] 1. This account originated on July 12, 2004 with [redacted] 2. This account charged off on November 30, 2007. 3. LVNV acquired this account on September 23, 2011. 4. The last payment in the amount of $50.00 was received on December 7, 2007. 5. No payments have been received on this account since Resurgent started servicing it in September 2011. 6. The current balance of this account is $4,695.13. 7. Enclosed is an account summary on file for this account. [redacted] [redacted] [redacted] 1. This account originated on December 10, 2003 with [redacted] N.A. and was opened with [redacted] 2. This account charged off on November 13, 2007. 3. LVNV acquired the account on September 23, 2011. 4. The last payment in the amount of $20.00 was received on December 13, 2007. 5. No payments have been received on this account since Resurgent started servicing it in September 2011. 6. The current balance of this account is $959.07. 7. Enclosed is an account summary on file for this account. All ownership rights in these accounts were transferred to LVNV when these accounts were purchased from the previous creditor(s). Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the accounts are eligible for credit reporting. Currently, LVNV is not reporting the accounts to the major consumer reporting agencies. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balances are still collectible as expiration of the statute of limitations does not invalidate the obligation or his/her responsibility for the balances due on these accounts. [redacted] July 27, 2016 complaint 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 accounts so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, [redacted] believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ [redacted] believes that these accounts were previously paid or satisfied in full, please advise him to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: [redacted] [redacted] [redacted] [redacted] If you have any further questions, comments or concerns, please contact Customer Service [redacted] Sincerely,
[redacted] [redacted] Resurgent Capital Services L.P. Enclosures ACCOUNT SUMMARY REPORT8/2/2016 11:48:13 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 Information[redacted]ing LLC[redacted] [redacted] [redacted] [redacted]Date of Last Payment 04/08/2008Current Balance SummaryOwed Collected BalancePrincipal $726.87 - $726.87Interest $868.80 - $868.80Total $1,595.67 - $1,595.67[redacted] The current balance due on this account is: $1,595.67 [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: 06/02/2004The account charge-off date was: 11/13/2008The account charge-off amount was: $237.48The account was acquired on or about: 12/30/2008The account was acquired from: [redacted]The account balance at time of acquisition: $726.87This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1ACCOUNT SUMMARY REPORT8/2/2016 11:48:13 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 Information[redacted] [redacted] [redacted]Zip Code: 91786-3120 Date of Last Payment 12/07/2007Current Balance SummaryOwed Collected BalancePrincipal $3,312.75 - $3,312.75Interest $1,382.38 - $1,382.38Total $4,695.13 - $4,695.13[redacted] The current balance due on this account is: $4,695.13 [redacted]Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at 1[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: 07/12/2004The account charge-off date was: 11/30/2007The account was acquired on or about: 09/23/2011The account was acquired from[redacted]The account balance at time of acquisition: $3,927.01This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1ACCOUNT SUMMARY REPORT8/2/2016 11:48:14 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 Information[redacted] [redacted] [redacted]Date of Last Payment 12/13/2007Current Balance SummaryOwed Collected BalancePrincipal $762.95 - $762.95Interest $196.12 - $196.12Total $959.07 - $959.07[redacted] The current balance due on this account is: $959.07 [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 a[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: 12/10/2003The account charge-off date was: 11/13/2007The account was acquired on or about: 09/23/2011The account was acquired from: [redacted]The account balance at time of acquisition: $782.14This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Please see attached.