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 Show me a signed contract and that you own this debt Regards, [redacted]
November 13, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] * [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear MsR***: This letter is in response to your correspondence received November 7, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on September 12, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 15, with [redacted] *** Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on January 17, This account charged off on August 22, with a balance of $1,No payments have been received on this account since Resurgent started servicing it in September Enclosed are bill statements and the terms and conditions on file for this accountPlease note that the bill statements include statements for the account numbers ending in *** and ***The March 21, bill statement indicates the account balance was transferred from the account ending in [redacted] to the account ending in ***LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Mr [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is February 21, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in November A judgment was obtained in the Commonwealth of Pennsylvania, County of *** with case number [redacted] Our records indicate that Mr [redacted] was properly served the summons and complaintEnclosed is a copy of the judgment for your reviewWe are not the source of public record information reported by consumer reporting agenciesIf 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 sourcePlease be advised that as of the date of this communication, the current balance of $1,includes $in judgment costs, $in post-judgement interest, and $in court feesResurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debtsAccordingly, we expect the same of the servicers collecting on our behalfAfter investigating the account, we found no evidence of mishandlings alleged in Mr [redacted] ’s inquiryWe listened to the call recording between Mr [redacted] and our third-party servicer and respectfully disagree with Mr [redacted] ’s assertion that the call was threateningWe apologize for any inconvenienceMr [redacted] ’s November 7, inquiry contains language Resurgent has interpreted to mean that we cease communication with himWhen Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerWe hope our response addresses Mr [redacted] ’s concernsIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(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 Regards, [redacted] Hello I'm rejecting this because of key factors I do not live at the address listed yet I still do not know who this company is I understand that they have verification that they have rights to this debt but where is documented proof that they have verified that they have the right person or proof they have attempted to settle the debt with the person how do they have a right to have this trade line on my account when they have not successfully identified that they have the right person
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12213508, and find that this resolution is satisfactory to me Regards, Nichole Nettles
Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM July 7, [redacted] *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- [redacted] *** [redacted] [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated July 5, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the accountResurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVAs advised in our previous response, the letter was mailed to the address provided by [redacted] in his Revdex.com inquiryWe regret that the letter was not received and any inconvenience experienced as a resultCurrently, the LVNV tradeline is reporting as “Account Paid in Full for Less than the Full Balance”We found no evidence that [redacted] was advised if he paid the account that it would not report accurately as a paid collection accountHowever, as a courtesy, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies (also known as “credit bureaus”) during the next reporting cyclePlease allow to days for this update to occurIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P
RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Ms [redacted] dated December 11, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVLVNV is licensed where appropriateResurgent complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on the appropriate regulator’s websiteOur previous response to Ms***’ inquiry provided her with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)This account has been properly verified as required by the FDCPAUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Bank (USA), N.AOriginal Creditor: [redacted] Bank (USA), N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $10,Dear MsR***: This letter is in response to your correspondence received January 3, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on May 19, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $10,Please review the following account information: This account originated on October 1, with [redacted] Bank (USA), N.AThis account charged off on April 24, with a balance of $5,No payments have been received on this account since Resurgent started servicing it in May LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, LVNV is not reporting the account to the major consumer reporting agenciesResurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVA judgment was obtained December 4, in the Commonwealth of [redacted] , Bullitt Circuit Court Division with case number [redacted] We are not the source of public record information reported by consumer reporting agenciesIf Ms [redacted] wishes to dispute or challenge public record entries, we recommend that she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct her dispute or challenge to that sourceEnclosed is a copy of the judgment for your reviewThe judgment was recorded with the Commonwealth of [redacted] , Bullitt Circuit Court and a lien was attached to the real estate owned by Ms [redacted] Our records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on June 2, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerResurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisitionIf, upon hearing back from the original creditor, we learn anything to substantiate Ms [redacted] ’s claim(s), we will take any necessary steps to resolve this accountIf Ms [redacted] has evidence that the account was written off, please send it to the address belowResurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligationsIf Ms [redacted] is experiencing this type of involuntary hardship, we ask that she please provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate actionEvidence regarding hardships should be sent to the following address belowIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
January 29, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Ms [redacted] received January 22, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Ms***’ January 22, disputeOur records indicate that we have already received and responded to a previous inquiry, dated January 11, 2018, which is substantially the same as her January 22, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs stated in our previous response, Resurgent responded to Ms***’ October 25, correspondence providing her with verification of debt on November 6, 2017, which was within thirty (30) days of receipt of Ms***’ correspondenceThis account has been properly verified as required by the Fair Debt Collection Practices Act and applicable local and state requirementsUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
Re: [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: XXXXXXXXXXXX*** Reference Number: [redacted] Amount Due at Charge-Off: $Interest Accrued Post Charge-Off: $Non-Interest Charges/Fees Post Charge-Off: $Amount of Payments Made Post Charge-Off: $Current Balance: $Dear Ms***: This letter is in response to your correspondence dated September 16, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by ***, LLC on or about March 11, As of the date of this communication, the account balance is $Please review the following account information: This account originated on May 16, with [redacted] Bank, N.AThe last payment in the amount of $was received on July 11, This account charged off on February 27, with a balance of $No payments have been received on this account since Resurgent started servicing it in March Enclosed are the terms and conditions, bill statements and an account summary on file for this accountWe note that the bill statements show a history of purchases and payments on this account, and that the address on the bill statements is the same address Mr [redacted] provides as his address in his Revdex.com inquiryAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedMr [redacted] states that Resurgent did not respond to his [redacted] (“***”) inquiry within daysPlease be advised, Resurgent has the option to request additional time to investigate a CFPB inquiry which provides Resurgent days from receipt of the inquiry to respondWe apologize for any inconvenience Mr [redacted] may have experiencedAdditionally, Mr [redacted] states in his Revdex.com inquiry that he “contacted this company and requested a signed contract or agreement with this company between them and myself and they refuse to provide one.” Our records indicate that the first communication, written or otherwise, that Resurgent has received from Mr [redacted] was his [redacted] inquiry received on August 3, [redacted] state regulations require us to inform Mr [redacted] that he has the right to request substantiation of this debtHis request for substantiation must be in writing, and must include the Reference Number provided above and a clear statement that he is requesting substantiation of the debtHe may submit his written request by mail to: Resurgent Capital Services L.P., P.OBox ***, MS ***, [redacted] , SC 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf 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 fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866- [redacted] MS [redacted] Attn: Complaint Department P.OBox *** Greenville, SC *** If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted] Sincerely, THowell Complaint Department Resurgent Capital Services L.PEnclosures
RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Ms [redacted] dated November 6, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Ms [redacted] ’s November 6, disputeOur records indicate that we have already received and responded to a previous inquiry dated October 26, which is substantially the same as her November 6, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs stated in our previous response, Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisitionIf, upon hearing back from the original creditor, we learn anything to substantiate Ms [redacted] ’ claim(s), we will take any necessary steps to resolve this accountIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
August 8, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by Ms [redacted] dated July 31, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Ms [redacted] ’s July 31, disputeOur records indicate that we have already received and responded to a previous inquiry dated July 21, which is substantially the same as her July 31, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeOur response to Ms [redacted] ’s previous inquiry provided her with verification of debtThis account has been properly verified as required by the Fair Debt Collection Practices ActUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
LVNV Funding has failed to produce any substantial proof that I owe this Alleged " debt" from [redacted] *** BankI have asked for validation of this debt several times and have yet to receive any concrete proof that states this is my debt, other than the amount of the debt ,which is $and the alleged original creditor, [redacted] *** BankAs a consumer, I am aware of my rights, in which, LVNV has violated the FDCPA by not providing me with substantial proof of this debtI am asking that this account be removed from all three credit bureaus permanently
RE: [redacted] ***; Case/File NoPrevious Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence received September 19, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on February 17, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on March 30, with [redacted] *** Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on June 4, This account charged off on January 5, with a balance of $No payments have been received on this account since Resurgent started servicing it in February LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedCredit One charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is July 3, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in April The enclosed letter containing verification of debt was mailed to Ms [redacted] on November 1, 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 accountThis account has been properly verified as required by the FDCPAOur records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on June 27, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, [redacted] *ackson Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT9/22/12:06:PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLCIt is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] *** Blvd Apt [redacted] Reference # [redacted] City: Sacramento Original Creditor [redacted] *** Bank, N.A.State: CA Account Number XXXXXXXXXXXX***Zip Code: 95838-Current Balance Due $639.04Date of Last Payment 06/04/2015Historical Account InformationThe original creditor for this account was: [redacted] *** Bank, N.A.The origination date with original creditor was: 03/30/2014The charge-off creditor for this account was: [redacted] *** Bank, N.A.The address of the charge-off creditor was: P.OBox *** [redacted] ***, NV 89193The account charge-off date was: 01/05/2016The account charge-off amount was: $639.04The account was acquired on or about: 02/17/2016The account was acquired from: ***, LLCThe account balance at time of acquisition: $639.04The borrower's address from charge-off [redacted] *** BLVD APT * creditor's records: [redacted] , CA 95838-4038This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of 2ACCOUNT SUMMARY REPORT9/22/12:06:PMOwnership HistoryDate Of Transfer Owner/Creditor Name Owner/Creditor Address02/17/ [redacted] *** Bank, N.AP.OBox *** [redacted] ***, NV 8919302/17/***, LLC P.OBox *** [redacted] ***, NV 89193-887302/17/ [redacted] Originator III LLC P.OBox *** C/O Resurgent Capital Services Greenville, SC 29603LP02/17/ [redacted] Originator LLC P.OBox *** C/O Resurgent Capital Services Greenville, SC 29603LPLVNV Funding LLC P.OBox *** C/O Resurgent Capital Services Greenville, SC 29603LPPage of
RE: [redacted] ; Case/File No [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Reference Number: [redacted] Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVResurgent has received and reviewed Mr [redacted] ’s February 5, disputeOur records indicate that we have already received and responded to four previous inquiries submitted through the Revdex.com and the Consumer Financial Protection Bureau which are substantially the same as his February 5, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeVerification of debt as required by the Fair Debt Collection Practices Act (“FDCPA”) has been provided to Mr [redacted] in our previous responses to his inquiriesUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Mr [redacted] would like further clarification, we encourage him to contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
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 There is no contract between me and the LVNV Funding LLC that binds me to pay themAs I hold no contract with LVNV Funding LCC, they have provided insufficient evidenceI request the following items: My signature on a contract that binds me to pay this debt.Any and all signed receipts for every $ of charges made.Profit/loss write off from the original creditor Regards, [redacted] ***
March 2, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Associates, IncOriginal 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, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on December 23, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVOur records indicate Ms [redacted] contacted Resurgent on March 2, and paid $to settle this account in fullThe 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 accountIn 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 cycleIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
December 13, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] Consumer USA Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated December 6, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on April 28, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on January 12, with [redacted] and was opened with [redacted] This account charged off on December 20, with a balance of $The last payment in the amount of $was received on May 22, No payments have been received on this account since Resurgent started servicing it in April All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one or more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agenciesVerification of debt was previously provided to Ms [redacted] on November 15, in response to her Consumer Financial Protection Bureau (“CFPB”) inquiry dated November 7, We are enclosing the bill statements and account summary previously provided to Ms [redacted] as verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)If, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.OBox *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] *** Complaint Department Resurgent Capital Services L.PEnclosures
Revdex.com: I have reviewed the response made by the business in reference to complaint [redacted] , and have determined that this does not resolve my complaint [redacted] ** [redacted] Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I do not accept the debt collector's response to my complaint as the information they are providing at this point comes too little too late Under Texas Finance Code they had up to days to respond to my request for validation They did not respond within the specified time frame, and there is no evidence to prove their claim As a result of their negligence, I have suffered substantial actual damages I am respectfully requesting this information be removed from my credit reports I have made every effort to resolve this matter outside of presenting this case to a courtroom jury in my community Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Show me a signed contract and that you own this debt Regards, [redacted]
November 13, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] * [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,Dear MsR***: This letter is in response to your correspondence received November 7, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on September 12, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 15, with [redacted] *** Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on January 17, This account charged off on August 22, with a balance of $1,No payments have been received on this account since Resurgent started servicing it in September Enclosed are bill statements and the terms and conditions on file for this accountPlease note that the bill statements include statements for the account numbers ending in *** and ***The March 21, bill statement indicates the account balance was transferred from the account ending in [redacted] to the account ending in ***LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Mr [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is February 21, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in November A judgment was obtained in the Commonwealth of Pennsylvania, County of *** with case number [redacted] Our records indicate that Mr [redacted] was properly served the summons and complaintEnclosed is a copy of the judgment for your reviewWe are not the source of public record information reported by consumer reporting agenciesIf 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 sourcePlease be advised that as of the date of this communication, the current balance of $1,includes $in judgment costs, $in post-judgement interest, and $in court feesResurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debtsAccordingly, we expect the same of the servicers collecting on our behalfAfter investigating the account, we found no evidence of mishandlings alleged in Mr [redacted] ’s inquiryWe listened to the call recording between Mr [redacted] and our third-party servicer and respectfully disagree with Mr [redacted] ’s assertion that the call was threateningWe apologize for any inconvenienceMr [redacted] ’s November 7, inquiry contains language Resurgent has interpreted to mean that we cease communication with himWhen Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customerWe hope our response addresses Mr [redacted] ’s concernsIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(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 Regards, [redacted] Hello I'm rejecting this because of key factors I do not live at the address listed yet I still do not know who this company is I understand that they have verification that they have rights to this debt but where is documented proof that they have verified that they have the right person or proof they have attempted to settle the debt with the person how do they have a right to have this trade line on my account when they have not successfully identified that they have the right person
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12213508, and find that this resolution is satisfactory to me Regards, Nichole Nettles
Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM July 7, [redacted] *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- [redacted] *** [redacted] [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated July 5, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the accountResurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVAs advised in our previous response, the letter was mailed to the address provided by [redacted] in his Revdex.com inquiryWe regret that the letter was not received and any inconvenience experienced as a resultCurrently, the LVNV tradeline is reporting as “Account Paid in Full for Less than the Full Balance”We found no evidence that [redacted] was advised if he paid the account that it would not report accurately as a paid collection accountHowever, as a courtesy, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies (also known as “credit bureaus”) during the next reporting cyclePlease allow to days for this update to occurIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P
RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Ms [redacted] dated December 11, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVLVNV is licensed where appropriateResurgent complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on the appropriate regulator’s websiteOur previous response to Ms***’ inquiry provided her with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)This account has been properly verified as required by the FDCPAUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Bank (USA), N.AOriginal Creditor: [redacted] Bank (USA), N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $10,Dear MsR***: This letter is in response to your correspondence received January 3, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on May 19, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $10,Please review the following account information: This account originated on October 1, with [redacted] Bank (USA), N.AThis account charged off on April 24, with a balance of $5,No payments have been received on this account since Resurgent started servicing it in May LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, LVNV is not reporting the account to the major consumer reporting agenciesResurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVA judgment was obtained December 4, in the Commonwealth of [redacted] , Bullitt Circuit Court Division with case number [redacted] We are not the source of public record information reported by consumer reporting agenciesIf Ms [redacted] wishes to dispute or challenge public record entries, we recommend that she contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct her dispute or challenge to that sourceEnclosed is a copy of the judgment for your reviewThe judgment was recorded with the Commonwealth of [redacted] , Bullitt Circuit Court and a lien was attached to the real estate owned by Ms [redacted] Our records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on June 2, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerResurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisitionIf, upon hearing back from the original creditor, we learn anything to substantiate Ms [redacted] ’s claim(s), we will take any necessary steps to resolve this accountIf Ms [redacted] has evidence that the account was written off, please send it to the address belowResurgent recognizes that significant involuntary financial hardship can arise due to medical issues, natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt obligationsIf Ms [redacted] is experiencing this type of involuntary hardship, we ask that she please provide us with evidence of the hardship or reliance on fixed income so that we may review her circumstances and take appropriate actionEvidence regarding hardships should be sent to the following address belowIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
January 29, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Ms [redacted] received January 22, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Ms***’ January 22, disputeOur records indicate that we have already received and responded to a previous inquiry, dated January 11, 2018, which is substantially the same as her January 22, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs stated in our previous response, Resurgent responded to Ms***’ October 25, correspondence providing her with verification of debt on November 6, 2017, which was within thirty (30) days of receipt of Ms***’ correspondenceThis account has been properly verified as required by the Fair Debt Collection Practices Act and applicable local and state requirementsUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
Re: [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: XXXXXXXXXXXX*** Reference Number: [redacted] Amount Due at Charge-Off: $Interest Accrued Post Charge-Off: $Non-Interest Charges/Fees Post Charge-Off: $Amount of Payments Made Post Charge-Off: $Current Balance: $Dear Ms***: This letter is in response to your correspondence dated September 16, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by ***, LLC on or about March 11, As of the date of this communication, the account balance is $Please review the following account information: This account originated on May 16, with [redacted] Bank, N.AThe last payment in the amount of $was received on July 11, This account charged off on February 27, with a balance of $No payments have been received on this account since Resurgent started servicing it in March Enclosed are the terms and conditions, bill statements and an account summary on file for this accountWe note that the bill statements show a history of purchases and payments on this account, and that the address on the bill statements is the same address Mr [redacted] provides as his address in his Revdex.com inquiryAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedMr [redacted] states that Resurgent did not respond to his [redacted] (“***”) inquiry within daysPlease be advised, Resurgent has the option to request additional time to investigate a CFPB inquiry which provides Resurgent days from receipt of the inquiry to respondWe apologize for any inconvenience Mr [redacted] may have experiencedAdditionally, Mr [redacted] states in his Revdex.com inquiry that he “contacted this company and requested a signed contract or agreement with this company between them and myself and they refuse to provide one.” Our records indicate that the first communication, written or otherwise, that Resurgent has received from Mr [redacted] was his [redacted] inquiry received on August 3, [redacted] state regulations require us to inform Mr [redacted] that he has the right to request substantiation of this debtHis request for substantiation must be in writing, and must include the Reference Number provided above and a clear statement that he is requesting substantiation of the debtHe may submit his written request by mail to: Resurgent Capital Services L.P., P.OBox ***, MS ***, [redacted] , SC 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf 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 fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866- [redacted] MS [redacted] Attn: Complaint Department P.OBox *** Greenville, SC *** If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted] Sincerely, THowell Complaint Department Resurgent Capital Services L.PEnclosures
RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Ms [redacted] dated November 6, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Ms [redacted] ’s November 6, disputeOur records indicate that we have already received and responded to a previous inquiry dated October 26, which is substantially the same as her November 6, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs stated in our previous response, Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisitionIf, upon hearing back from the original creditor, we learn anything to substantiate Ms [redacted] ’ claim(s), we will take any necessary steps to resolve this accountIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
August 8, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by Ms [redacted] dated July 31, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent has received and reviewed Ms [redacted] ’s July 31, disputeOur records indicate that we have already received and responded to a previous inquiry dated July 21, which is substantially the same as her July 31, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeOur response to Ms [redacted] ’s previous inquiry provided her with verification of debtThis account has been properly verified as required by the Fair Debt Collection Practices ActUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
LVNV Funding has failed to produce any substantial proof that I owe this Alleged " debt" from [redacted] *** BankI have asked for validation of this debt several times and have yet to receive any concrete proof that states this is my debt, other than the amount of the debt ,which is $and the alleged original creditor, [redacted] *** BankAs a consumer, I am aware of my rights, in which, LVNV has violated the FDCPA by not providing me with substantial proof of this debtI am asking that this account be removed from all three credit bureaus permanently
RE: [redacted] ***; Case/File NoPrevious Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence received September 19, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on February 17, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on March 30, with [redacted] *** Bank, N.A(“ [redacted] ***”)The last payment in the amount of $was received on June 4, This account charged off on January 5, with a balance of $No payments have been received on this account since Resurgent started servicing it in February LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedCredit One charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is July 3, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in April The enclosed letter containing verification of debt was mailed to Ms [redacted] on November 1, 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 accountThis account has been properly verified as required by the FDCPAOur records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on June 27, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, [redacted] *ackson Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT9/22/12:06:PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLCIt is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner LVNV Funding LLCAddress: [redacted] *** Blvd Apt [redacted] Reference # [redacted] City: Sacramento Original Creditor [redacted] *** Bank, N.A.State: CA Account Number XXXXXXXXXXXX***Zip Code: 95838-Current Balance Due $639.04Date of Last Payment 06/04/2015Historical Account InformationThe original creditor for this account was: [redacted] *** Bank, N.A.The origination date with original creditor was: 03/30/2014The charge-off creditor for this account was: [redacted] *** Bank, N.A.The address of the charge-off creditor was: P.OBox *** [redacted] ***, NV 89193The account charge-off date was: 01/05/2016The account charge-off amount was: $639.04The account was acquired on or about: 02/17/2016The account was acquired from: ***, LLCThe account balance at time of acquisition: $639.04The borrower's address from charge-off [redacted] *** BLVD APT * creditor's records: [redacted] , CA 95838-4038This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of 2ACCOUNT SUMMARY REPORT9/22/12:06:PMOwnership HistoryDate Of Transfer Owner/Creditor Name Owner/Creditor Address02/17/ [redacted] *** Bank, N.AP.OBox *** [redacted] ***, NV 8919302/17/***, LLC P.OBox *** [redacted] ***, NV 89193-887302/17/ [redacted] Originator III LLC P.OBox *** C/O Resurgent Capital Services Greenville, SC 29603LP02/17/ [redacted] Originator LLC P.OBox *** C/O Resurgent Capital Services Greenville, SC 29603LPLVNV Funding LLC P.OBox *** C/O Resurgent Capital Services Greenville, SC 29603LPPage of
RE: [redacted] ; Case/File No [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Reference Number: [redacted] Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVResurgent has received and reviewed Mr [redacted] ’s February 5, disputeOur records indicate that we have already received and responded to four previous inquiries submitted through the Revdex.com and the Consumer Financial Protection Bureau which are substantially the same as his February 5, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeVerification of debt as required by the Fair Debt Collection Practices Act (“FDCPA”) has been provided to Mr [redacted] in our previous responses to his inquiriesUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf Mr [redacted] would like further clarification, we encourage him to contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
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 There is no contract between me and the LVNV Funding LLC that binds me to pay themAs I hold no contract with LVNV Funding LCC, they have provided insufficient evidenceI request the following items: My signature on a contract that binds me to pay this debt.Any and all signed receipts for every $ of charges made.Profit/loss write off from the original creditor Regards, [redacted] ***
March 2, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Associates, IncOriginal 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, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on December 23, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVOur records indicate Ms [redacted] contacted Resurgent on March 2, and paid $to settle this account in fullThe 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 accountIn 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 cycleIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P
December 13, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] Consumer USA Original Creditor: [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated December 6, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on April 28, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on January 12, with [redacted] and was opened with [redacted] This account charged off on December 20, with a balance of $The last payment in the amount of $was received on May 22, No payments have been received on this account since Resurgent started servicing it in April All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedResurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one or more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agenciesVerification of debt was previously provided to Ms [redacted] on November 15, in response to her Consumer Financial Protection Bureau (“CFPB”) inquiry dated November 7, We are enclosing the bill statements and account summary previously provided to Ms [redacted] as verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)If, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.OBox *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] *** Complaint Department Resurgent Capital Services L.PEnclosures
Revdex.com: I have reviewed the response made by the business in reference to complaint [redacted] , and have determined that this does not resolve my complaint [redacted] ** [redacted] Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I do not accept the debt collector's response to my complaint as the information they are providing at this point comes too little too late Under Texas Finance Code they had up to days to respond to my request for validation They did not respond within the specified time frame, and there is no evidence to prove their claim As a result of their negligence, I have suffered substantial actual damages I am respectfully requesting this information be removed from my credit reports I have made every effort to resolve this matter outside of presenting this case to a courtroom jury in my community Regards, [redacted] ***