RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated July 12, 2017, and received July 17, 2017, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 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 $Please review the following account information: This account originated on May 1, with [redacted] *** Bank, N.A(“ [redacted] ***”)This account charged off on December 7, with a balance of $1,The last payment in the amount of $was received on June 15, Enclosed are bill statements, terms and conditions, and an account summary on file for this accountLVNV 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 will respond in a timely manner and provide the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedRegarding Ms [redacted] ’s statement that Resurgent “sold this debt” to [redacted] and [redacted] , Inc(“***), please be advised that Resurgent did not sell this account to ***Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfResurgent placed this account with [redacted] for servicingHowever, this account was recalled from *** due to the electronic credit bureau dispute that Ms [redacted] submitted through one or more consumer reporting agencies in June We apologize for any inconvenience Ms [redacted] may have experiencedWe recognize that Ms [redacted] reached a payment agreement with our third-party servicer to pay $to satisfy the remaining balance on the accountWe appreciate Ms [redacted] ’s willingness to pay this account and will honor the payment arrangement Ms [redacted] made with our third-party servicer for $The balance may be broken into two monthly payments in the amount of $Upon confirmation that all funds have cleared the banking system, the account status will be updated to “satisfied in full” and a request to update the LVNV tradeline to “account paid in full for less than the full balance” will be submitted to the three major consumer reporting agenciesPlease be advised that Resurgent does not accept payment in exchange for tradeline deletionAll accounts that are eligible for reporting are reporting accurately to the three major credit reporting agenciesPayments may be mailed to the following address, or Ms [redacted] may contact Customer Service at 888- [redacted] in order to make payments by phoneIf mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this accountResurgent Capital Services L.PP.OBox *** Greenville, SC If payment is not received by the 7th of each month, starting in August 2017, this account may be placed for further collections, and this payment agreement may be re-evaluatedWe are not obligated to renew this offerIt may be possible to extend the deadline under certain circumstancesThe offer above is guaranteed through the above-referenced dateAfter that time, we reserve the right to modify or revoke the offerThis offer is void if previous payment arrangements have been madeResurgent will also mail Ms [redacted] a letter confirming the details of the payment arrangementIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT7/22/11:01:AMThis 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] St Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] *** Bank, N.A.State: PA Account Number XXXXXXXXXXXX***Zip Code: [redacted] Current Balance Due $816.71Date of Last Payment 06/15/2017Historical Account InformationThe original creditor for this account was: [redacted] *** Bank, N.A.The origination date with original creditor was: 05/01/2014The account charge-off date was: 12/07/2016The account charge-off amount was: $1,306.71The account was acquired on or about: 01/12/2017The account was acquired from: ***, LLCThe account balance at time of acquisition: $1,306.71This 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
January 29, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Numbers: [redacted] , [redacted] Dear MsR***: This letter is in response to your correspondence received January 22, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted] ***Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***, N.AThis account originated on January 8, with [redacted] ***, N.AThis account charged off on June 18, with a balance of $This account was purchased from [redacted] Bank (USA), N.Aon October 25, No payments have been received on this account since Resurgent started servicing it in October The current balance of this account is $Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***, N.AThis account originated on June 20, with [redacted] ***, N.AThis account charged off on June 29, with a balance of $This account was purchased from [redacted] Bank (USA), N.Aon October 25, No payments have been received on this account since Resurgent started servicing it in October The current balance of this account is $LVNV acquired all ownership rights in these accounts upon LVNV’s purchase of these accountsThose rights include, but are not limited to, the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) should these accounts are eligible for credit reportingCurrently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV [redacted] ***’s complaint dated January 22, is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced accountsIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradelines for these accounts to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycleResurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThese accounts have been placed with one of more of these third-party servicers since they were acquired by LVNVAny notification requirements for these accounts would have been met by these servicersWe are providing the enclosed bill statements and an account summary on file for each account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, after reviewing the above-referenced information, [redacted] believes these accounts are fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf [redacted] believes that these accounts were previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in fullIn addition, if [redacted] has any correspondence to/from the previous creditors concerning their dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** [redacted] , SC If you have any further questions, comments or concerns, please contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P Enclosure(s) ACCOUNT SUMMARY REPORT1/31/4:02: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] Dr Resurgent Reference # [redacted] City: Clinton Township Original Creditor [redacted] ***, N.A.State: MI Account Number XXXXXXXXXXXX***Zip Code: 48038-Current Balance Due $571.22Date of Last Payment 06/22/2016Historical Account InformationThe original creditor for this account was: [redacted] ***, N.A.The origination date with original creditor was: 06/20/2014The account charge-off date was: 06/29/2016The account charge-off amount was: $571.22The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $571.22This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of 1ACCOUNT SUMMARY REPORT1/31/4:04: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] Dr Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] ***, N.A.State: MI Account Number XXXXXXXXXXXX***Zip Code: 48038-Current Balance Due $910.57Date of Last Payment 11/14/2015Historical Account InformationThe original creditor for this account was: [redacted] ***, N.A.The origination date with original creditor was: 01/08/2015The account charge-off date was: 06/18/2016The account charge-off amount was: $910.57The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $910.57This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
This letter is in response to your correspondence dated February 17, 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 subsequently acquired by LVNV on or about January 16, As of the date of this communication, the account balance is $Please review the following account information: This account originated on October 7, with [redacted] *** This account charged off on December 14, with a balance of $The last payment in the amount of $was received on April 14, No payments have been received on this account since Resurgent started servicing it in January Enclosed are the terms and conditions, bill statements and an account summary on file for this accountAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that [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 [redacted] ***, 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 removedOur records indicate that a lawsuit, [redacted] , was filed on August 12, in the *** [redacted] **, and was dismissed without prejudiceDue to the nature of the dismissal, the disposition of the lawsuit does not affect the collectability of the accountIf, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the *** [redacted] If [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn 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 at [redacted] Sincerely, [redacted]
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated July 17, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 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 $Please review the following account information: This account originated on May 18, with [redacted] Bank, N.A(“ [redacted] ***”)This account charged off on December 25, with a balance of $No payments have been received on this account since Resurgent started servicing it in January Please find enclosed the terms and conditions, bill statements, and an account summary on file for this accountLVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is June 23, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in March Our records do not indicate that we have received a request for verification from Ms [redacted] Our records indicate the only communication we have received from Ms [redacted] was a notice requesting that we cease communication with her to this office that was received on June 8, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerThis response provides Ms [redacted] with verification of the debtIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT7/24/12:11: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] Dr Resurgent Reference # [redacted] City: *** Original Creditor [redacted] Bank, N.A.State: MI Account Number XXXXXXXXXXXX***Zip Code: 48184-Current Balance Due $524.92Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/18/2016The account charge-off date was: 12/25/2016The account charge-off amount was: $524.92The account was acquired on or about: 01/12/2017The account was acquired from: ***, LLCThe account balance at time of acquisition: $524.92This 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
Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated October 10, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 22, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on October 1, with [redacted] Bank, N.AThis account charged off on July 7, with a balance of $The last payment in the amount of $was received on April 15, No payments have been received on this account since Resurgent started servicing it in August All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that 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 removedMr [redacted] ’s letter asserts that LVNV “re-ages” accountsPlease be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is November 6, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or before about August Verification of debt was previously provided to Mr [redacted] ’s attorney in compliance with the Fair Debt Collection Practices Act (“FDCPA”) with the enclosed letter dated May 7, Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account as further verification of the debtIf, 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: [redacted] MS 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
Hello Cindy,I received the letter from LVNV and tried to reply with a rejection, but it continued to error when I tried to submit my responsePlease find my response below with the attachment.Statements that were never sent to my address but rather on paperless billing with fraudualant charges does not support this is not fraudulantI would like receipts showing my signature, a contract with my signature, and all statements from the start of the account in June The purchases on these statements are not mine, nor are the payments I have already sent in a fraud affidavit, a police report incident number including the police officers name and phone number, and an identity theft report from the FTCMarch 21st was not my first coorespondence with this company and is a flat out lieI called in January when I first noticed this on my credit reportI disputed it on my credit report and also I sent over a fraud affadavit as well as the FTC report via fax on February 9th to the fax number provided of 866- [redacted] with no response except for another request for collectionI against sent it March 26th via fax to Gregg Morris, ESQ (attorney for LVNV) at fax number [redacted] .I spoke with Gregg M [redacted] today at phone number ***- [redacted] who stated he did receive my FTC report, police report incident number with name of agency, officer, and phone number, and my fraud affidavitHe advisex he had already sent it to the company for review and asked for me to call tomorrow as they have not respondedIt was sent over to the company for the 3rd time and still they act as if theu never received itThis company is holding up a mortgage for me, and is refusing to handle the fraudulant charges and account on my credit appropriately and in a timely mannerAttached here is yet another coorspondence I sent to the company days agoI expect a letter stating the company has deleted the account from all of my credit reports, has closed the account with a zero balance, and has ceased all collection efforts on this accountI need this letter immediately as this had been almost months since they first received all of my information requestedFurther more, I can not have a dispute reported on my credit fileI requested that this not be put in as a dispute on my credit report, but rather a deletionThis company is further messing up my mortgage process intentionallyIf this is not handled within hours, I will be contacting the media, the Consumer Financial Protection Bureau, the states Attorney General, and file an official complaint against the company with the Federal Trade Commission per the Federal Trade Commissions advisement.Please help me with this matter CindyThany you, [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 Be advised that this is a notice that your claim is disputed and validation is requestedUnder the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debtThis is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to USC 1692g Sec(b) of the FDCPAI respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay YOUAt this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus (Equifax, Experian, Trans Union), this action might constitute fraud under both federal and state lawsDue to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following: Violation of the Fair Debt Collection Practices Act and Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agenciesIf your offices are able to provide the proper documentation as requested in the following declaration, I will require days to investigate this information and during such time all collection activity must cease and desistAlso, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suitThis includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidatedIf your offices fail to respond to this validation request within days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately It would be advisable that you and your client assure that your records are in order before I am forced to take legal action CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following: • Agreement from me to you to collect on this alleged debt • Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor • Any insurance claims been made by any creditor regarding this account • Any Judgments obtained by any creditor regarding this account • Name and address of alleged creditor • Name on file of alleged debtor • Alleged account number • Address on file for alleged debtor • Amount of alleged debt • Date this alleged debt became payable • Date of original charge off or delinquency • Verification that this debt was assigned or sold to collector • Complete accounting of alleged debt • Commission for debt collector if collection efforts are successful / [redacted] Style Definitions */ I have no contract nor received any services from LVNV nor Resurgent Capital Services Regards, [redacted]
Please see the attached response.June 22, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] This letter is in response to your correspondence dated June 22, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about July 11, As of the date of this communication, the account balance is $Please review the following account information: This account originated on October 31, 2010, with [redacted] *** This account charged off on June 6, 2013, with a balance of $The last payment in the amount of $was received on December 20, No payments have been received on this account since Resurgent started servicing it in July Enclosed are bill statements, terms and conditions and an account summary for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline 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 utilizes third party collection agencies to service accounts on its behalfOur servicer received the enclosed Revdex.com (“Revdex.com”) inquiry dated May 31, 2014, which is substantially the same as the correspondence received June 22, Enclosed is our servicer’s response to the Revdex.com inquiry dated June 4, Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debtsAccordingly, we expect the same of the servicers collecting on our behalfHowever, no calls have been made regarding this account since Resurgent placed the account in a cease status on June 11, Furthermore, Resurgent has not received any correspondence directly from [redacted] If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [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 This was done to a disabled lady, unable to pay any bills They where the ONLY vultures to do this, everone else wrote claims off Done without any notice Regards, [redacted]
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Financial Services Of Indiana, IncOriginal Creditor: [redacted] Financial Services, Inc(formerly known as “ [redacted] [redacted] Finance”) Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated April 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 7, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVOur records indicate the first communication we received from Mr [redacted] was a letter dated March 20, that was received by our office on March 30, The account was accordingly placed into a dispute status and an investigation began into Mr [redacted] ’s claimUpon receipt of his inquiry with the Revdex.com, the Compliance department conducted a review of the documentation that Mr [redacted] provided in March, as well as the documentation he provided with his Revdex.com inquiryAfter investigation, we have closed the account due to fraudMr [redacted] should no longer be contacted by Resurgent or any affiliate companies regarding this accountSeparately, a request to delete the LVNV tradeline for this account was submitted to the three major consumer reporting agencies in March as the permissible reporting period for credit reporting expired for this accountWe apologize for any inconvenience Mr [redacted] may have experiencedIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [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: [redacted] Reference Number: [redacted] Current Balance: $1,Dear Ms [redacted] : This letter is in response to your correspondence dated June 14, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 10, 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 21, with [redacted] Bank, N.AThe last payment in the amount of $was received on May 21, This account charged off on December 27, with a balance of $No payments have been received on this account since Resurgent started servicing it in January 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 saleWe are unable to alter the credit reporting of another creditorMr [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in errorIn 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 removedThe enclosed letter containing verification of debt was mailed to Mr [redacted] on April 26, in response to his request dated April 15, Additionally, we are providing the enclosed bill statements on file for this accountThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)If, after reviewing the above-referenced information, 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 matterIf 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: Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.OBox *** Greenville, SC If 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)
[redacted] [redacted] Previous Creditor: [redacted] IncOriginal Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] This letter is in response to your correspondence, dated March 2, 2016, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] , ***on or about March 21, As of the date of this communication, the account balance is $Please review the following account information: This account originated on October 9, with [redacted] *** This account charged off on August 10, with a balance of $No payments have been received on this account since Resurgent started servicing it in March Enclosed please find an account summary on file for the accountAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to his/her disputeIn accordance with the [redacted] 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 removedThe term “open” in [redacted] credit report is not meant to indicate that the account is open or can be usedThe term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demandBecause the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio typeIf [redacted] has additional questions related to the credit reporting, then he/she will need to contact the appropriate consumer reporting agenciesResurgent previously received a letter from [redacted] , dated August 12, 2015, which contained language we interpreted to request that we cease contact with him/herAccordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from ResurgentOur records reflect that [redacted] called in to Resurgent on February 29, 2016, lifted the cease and desist, and requested to satisfy the account for less than the full balance [redacted] was provided an offer of $to satisfy the account, and the enclosed letter confirming that offer was sent to [redacted] on or about March 1, 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 [redacted] claim(s), we will take any necessary steps to resolve this accountIf this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: [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 LPEnclosures ACCOUNT SUMMARY REPORT3/8/10:34:AMThis 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] City: [redacted] Original Creditor [redacted] State: GA Inc.Zip Code: [redacted] Date of Last PaymentCurrent Balance SummaryOwed Collected BalancePrincipal $- $242.22Interest $- $12.87Total $- $[redacted] The current balance due on this account is: $***Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted] ***The origination date with original creditor was: 10/09/2009The account charge-off date was: 08/10/2011The account charge-off amount was: $242.22The account was acquired on or about: 03/21/2014The account was acquired from: [redacted] ***The account balance at time of acquisition: $242.22This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose
RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by [redacted] dated May 15, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVAs advised in our previous response, if 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 to the address below in order to help us resolve this matterCompliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] does not wish to dispute this account as fraud, and instead would like to make payment arrangements, she may contact Customer Service at the number belowUpon confirmation that all funds have cleared the banking system, the account status will be updated to “paid in full” and a request to update the [redacted] tradeline to “account paid in full” will be submitted to the three major consumer reporting agenciesPlease be advised, we do not accept payment in exchange for tradeline deletionIf the account is paid, it will report as paid to the consumer reporting agenciesIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1- [redacted] Sincerely, TH*** Compliance 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 January 12, 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 LVNV [redacted] Bank (USA), N.Acharged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itAs explained in our previous response, 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 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: 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.P
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 ("***") owns the account number ending in ***, having acquired it on January 28, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by ***. 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 ***. 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 *** 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 (“BBB”) 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
Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] Previous Creditor: [redacted] , IncOriginal Creditor: [redacted] *** [redacted] [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] ***on or about June 7, Please review the following account information: This account originated on January 24, with [redacted] and was opened with [redacted] This account charged off on June 22, with a balance of $4,The last payment in the amount of $2,was received on February 29, Our records indicate this account was included in [redacted] Chapter bankruptcyThe loan obligation encumbering the below-listed collateral was satisfied with the payment of $2,dated February 29, [redacted] After review, Resurgent has determined the check in the amount of $1,posted to [redacted] additional account in our system on March 3, That account, with reference number [redacted] account number [redacted] originated January 8, with [redacted] ***Resurgent is also the servicer of this account owned by LVNVOur records indicate the account ending in [redacted] was also included in [redacted] Chapter bankruptcyAs part of our investigation, we reviewed the phone calls [redacted] placed to Resurgent in February and March [redacted] advised Resurgent he would cancel the check in the amount of $1,156.83, prior to making a payment by phone in the amount of $2,on February 29, 2016, and at no time advised Resurgent we did not have permission to post the check in the amount of $1,A refund in the amount of $1,will be issued to [redacted] once the payment has posted for days, per Resurgent policy, in case of insufficient funds or cancellation of paymentWe apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] [redacted] Resurgent Capital Services L.P
RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. Thank you for your quick response and resolution to the matter. Regards, [redacted]
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] *** Bank (USA), N.AOriginal Creditor: [redacted] ***, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms R***: This letter is in response to your correspondence received December 18, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 23, 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 June 9, with [redacted] ***, N.A(“ [redacted] ***”)This account charged off on April 11, with a balance of $No payments have been received on this account since Resurgent started servicing it in August Enclosed is an account summary on file for this accountLVNV 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 LVNVMr [redacted] ’s inquiry dated December 18, is the first communication, written or otherwise, that Resurgent has received from Mr [redacted] regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been 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 November 6, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in August Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicersMr [redacted] ’s December 18, 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 customerIf, after reviewing the above-referenced information, Mr [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Mr [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-[redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT12/21/12:27: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] [redacted] Owner LVNV Funding LLCAddress: [redacted] ** Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] ***, N.A.State: SC Account Number XXXXXXXXXXXX***Zip Code: 29526-Current Balance Due $684.62Date of Last Payment 09/04/2015Historical Account InformationThe original creditor for this account was: [redacted] ***, N.A.The origination date with original creditor was: 06/09/2014The account charge-off date was: 04/11/2016The account charge-off amount was: $684.62The account was acquired on or about: 08/23/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $684.62This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
Revdex.com:My attorney stated that as long as there is no contact with me then they should be fineIf you have questions contact my attorney who is dealing with my chapter No collection is to be done on any of these accounts or they will have to deal with my attorney.The case is filed with court so no one can do any more contact with me in regards with any of these accountsSo please make [redacted] *** and [redacted] *** bank aware of this so they stop sending me letters 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]
[redacted] [redacted] Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM August 16, 2016 [redacted] *** RevDex.com of Upstate South... Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted] [redacted] *** [redacted] *** [redacted] *** [redacted] [redacted] [redacted] Dear [redacted] This letter is in response to your correspondence dated August 15, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ***. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about December 15, 2014. As of the date of this communication, the account balance is $846.22. Please review the following account information: 1. This account originated on April 2, 2012 with [redacted] *** 2. This account charged off on November 24, 2014 with a balance of $842.53. 3. The last payment in the amount of $5.50 was received on March 3, 2014. 4. No payments have been received on this account since Resurgent started servicing it in December 2014. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Based on information contained in our account records, the tradeline for this account should not be deleted. It will continue to report for the remaining reporting period unless new facts require a change. Resurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The enclosed letter containing the validation notice was previously mailed to [redacted] on December 16, 2014 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Furthermore, Resurgent also provided verification in response to [redacted] previous BBB inquiry submitted on August 21, 2015. This account has been properly verified, as required by the FDCPA. As a follow up to [redacted] previous inquiry, enclosed please find the charge off statement, terms and conditions, and an account summary on file for this account. We are confident the information provided is sufficient to resolve this complaint. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: [redacted] [redacted] [redacted] *** [redacted] *** If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] *** Complaint Department Resurgent Capital Services L.P. Enclosures ACCOUNT SUMMARY REPORT8/16/2016 11:40:40 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] LLC [redacted] Zip Code: [redacted] Date of Last Payment 03/03/2014Current Balance Due $846.22Historical Account InformationThe original creditor for this account was: [redacted] ***The origination date with original creditor was: 04/02/2012The account charge-off date was: 11/24/2014The account charge-off amount was: $842.53The account was acquired on or about: 12/15/2014The account was acquired from: [redacted] ***The account balance at time of acquisition: $842.53This 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: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated July 12, 2017, and received July 17, 2017, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 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 $Please review the following account information: This account originated on May 1, with [redacted] *** Bank, N.A(“ [redacted] ***”)This account charged off on December 7, with a balance of $1,The last payment in the amount of $was received on June 15, Enclosed are bill statements, terms and conditions, and an account summary on file for this accountLVNV 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 will respond in a timely manner and provide the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removedRegarding Ms [redacted] ’s statement that Resurgent “sold this debt” to [redacted] and [redacted] , Inc(“***), please be advised that Resurgent did not sell this account to ***Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfResurgent placed this account with [redacted] for servicingHowever, this account was recalled from *** due to the electronic credit bureau dispute that Ms [redacted] submitted through one or more consumer reporting agencies in June We apologize for any inconvenience Ms [redacted] may have experiencedWe recognize that Ms [redacted] reached a payment agreement with our third-party servicer to pay $to satisfy the remaining balance on the accountWe appreciate Ms [redacted] ’s willingness to pay this account and will honor the payment arrangement Ms [redacted] made with our third-party servicer for $The balance may be broken into two monthly payments in the amount of $Upon confirmation that all funds have cleared the banking system, the account status will be updated to “satisfied in full” and a request to update the LVNV tradeline to “account paid in full for less than the full balance” will be submitted to the three major consumer reporting agenciesPlease be advised that Resurgent does not accept payment in exchange for tradeline deletionAll accounts that are eligible for reporting are reporting accurately to the three major credit reporting agenciesPayments may be mailed to the following address, or Ms [redacted] may contact Customer Service at 888- [redacted] in order to make payments by phoneIf mailing payments, please allow adequate time for United States Postal Service transit and for Resurgent to process and post the payment to this accountResurgent Capital Services L.PP.OBox *** Greenville, SC If payment is not received by the 7th of each month, starting in August 2017, this account may be placed for further collections, and this payment agreement may be re-evaluatedWe are not obligated to renew this offerIt may be possible to extend the deadline under certain circumstancesThe offer above is guaranteed through the above-referenced dateAfter that time, we reserve the right to modify or revoke the offerThis offer is void if previous payment arrangements have been madeResurgent will also mail Ms [redacted] a letter confirming the details of the payment arrangementIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT7/22/11:01:AMThis 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] St Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] *** Bank, N.A.State: PA Account Number XXXXXXXXXXXX***Zip Code: [redacted] Current Balance Due $816.71Date of Last Payment 06/15/2017Historical Account InformationThe original creditor for this account was: [redacted] *** Bank, N.A.The origination date with original creditor was: 05/01/2014The account charge-off date was: 12/07/2016The account charge-off amount was: $1,306.71The account was acquired on or about: 01/12/2017The account was acquired from: ***, LLCThe account balance at time of acquisition: $1,306.71This 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
January 29, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ***; Case/File No [redacted] Reference Numbers: [redacted] , [redacted] Dear MsR***: This letter is in response to your correspondence received January 22, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for [redacted] ***Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***, N.AThis account originated on January 8, with [redacted] ***, N.AThis account charged off on June 18, with a balance of $This account was purchased from [redacted] Bank (USA), N.Aon October 25, No payments have been received on this account since Resurgent started servicing it in October The current balance of this account is $Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] ***, N.AThis account originated on June 20, with [redacted] ***, N.AThis account charged off on June 29, with a balance of $This account was purchased from [redacted] Bank (USA), N.Aon October 25, No payments have been received on this account since Resurgent started servicing it in October The current balance of this account is $LVNV acquired all ownership rights in these accounts upon LVNV’s purchase of these accountsThose rights include, but are not limited to, the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) should these accounts are eligible for credit reportingCurrently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV [redacted] ***’s complaint dated January 22, is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced accountsIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradelines for these accounts to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycleResurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThese accounts have been placed with one of more of these third-party servicers since they were acquired by LVNVAny notification requirements for these accounts would have been met by these servicersWe are providing the enclosed bill statements and an account summary on file for each account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, after reviewing the above-referenced information, [redacted] believes these accounts are fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf [redacted] believes that these accounts were previously paid or satisfied in full, then please advise them to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in fullIn addition, if [redacted] has any correspondence to/from the previous creditors concerning their dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** [redacted] , SC If you have any further questions, comments or concerns, please contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.P Enclosure(s) ACCOUNT SUMMARY REPORT1/31/4:02: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] Dr Resurgent Reference # [redacted] City: Clinton Township Original Creditor [redacted] ***, N.A.State: MI Account Number XXXXXXXXXXXX***Zip Code: 48038-Current Balance Due $571.22Date of Last Payment 06/22/2016Historical Account InformationThe original creditor for this account was: [redacted] ***, N.A.The origination date with original creditor was: 06/20/2014The account charge-off date was: 06/29/2016The account charge-off amount was: $571.22The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $571.22This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of 1ACCOUNT SUMMARY REPORT1/31/4:04: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] Dr Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] ***, N.A.State: MI Account Number XXXXXXXXXXXX***Zip Code: 48038-Current Balance Due $910.57Date of Last Payment 11/14/2015Historical Account InformationThe original creditor for this account was: [redacted] ***, N.A.The origination date with original creditor was: 01/08/2015The account charge-off date was: 06/18/2016The account charge-off amount was: $910.57The account was acquired on or about: 10/25/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $910.57This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
This letter is in response to your correspondence dated February 17, 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 subsequently acquired by LVNV on or about January 16, As of the date of this communication, the account balance is $Please review the following account information: This account originated on October 7, with [redacted] *** This account charged off on December 14, with a balance of $The last payment in the amount of $was received on April 14, No payments have been received on this account since Resurgent started servicing it in January Enclosed are the terms and conditions, bill statements and an account summary on file for this accountAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that [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 [redacted] ***, 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 removedOur records indicate that a lawsuit, [redacted] , was filed on August 12, in the *** [redacted] **, and was dismissed without prejudiceDue to the nature of the dismissal, the disposition of the lawsuit does not affect the collectability of the accountIf, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the *** [redacted] If [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn 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 at [redacted] Sincerely, [redacted]
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] *** Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated July 17, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 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 $Please review the following account information: This account originated on May 18, with [redacted] Bank, N.A(“ [redacted] ***”)This account charged off on December 25, with a balance of $No payments have been received on this account since Resurgent started servicing it in January Please find enclosed the terms and conditions, bill statements, and an account summary on file for this accountLVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itEntries regarding a charged-off account may remain on a credit report for up to seven yearsThe consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is June 23, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in March Our records do not indicate that we have received a request for verification from Ms [redacted] Our records indicate the only communication we have received from Ms [redacted] was a notice requesting that we cease communication with her to this office that was received on June 8, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerThis response provides Ms [redacted] with verification of the debtIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT7/24/12:11: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] Dr Resurgent Reference # [redacted] City: *** Original Creditor [redacted] Bank, N.A.State: MI Account Number XXXXXXXXXXXX***Zip Code: 48184-Current Balance Due $524.92Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 05/18/2016The account charge-off date was: 12/25/2016The account charge-off amount was: $524.92The account was acquired on or about: 01/12/2017The account was acquired from: ***, LLCThe account balance at time of acquisition: $524.92This 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
Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Previous Creditor: ***, LLC Original Creditor: [redacted] Bank, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated October 10, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 22, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on October 1, with [redacted] Bank, N.AThis account charged off on July 7, with a balance of $The last payment in the amount of $was received on April 15, No payments have been received on this account since Resurgent started servicing it in August All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that 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 removedMr [redacted] ’s letter asserts that LVNV “re-ages” accountsPlease be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is November 6, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or before about August Verification of debt was previously provided to Mr [redacted] ’s attorney in compliance with the Fair Debt Collection Practices Act (“FDCPA”) with the enclosed letter dated May 7, Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account as further verification of the debtIf, 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: [redacted] MS 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
Hello Cindy,I received the letter from LVNV and tried to reply with a rejection, but it continued to error when I tried to submit my responsePlease find my response below with the attachment.Statements that were never sent to my address but rather on paperless billing with fraudualant charges does not support this is not fraudulantI would like receipts showing my signature, a contract with my signature, and all statements from the start of the account in June The purchases on these statements are not mine, nor are the payments I have already sent in a fraud affidavit, a police report incident number including the police officers name and phone number, and an identity theft report from the FTCMarch 21st was not my first coorespondence with this company and is a flat out lieI called in January when I first noticed this on my credit reportI disputed it on my credit report and also I sent over a fraud affadavit as well as the FTC report via fax on February 9th to the fax number provided of 866- [redacted] with no response except for another request for collectionI against sent it March 26th via fax to Gregg Morris, ESQ (attorney for LVNV) at fax number [redacted] .I spoke with Gregg M [redacted] today at phone number ***- [redacted] who stated he did receive my FTC report, police report incident number with name of agency, officer, and phone number, and my fraud affidavitHe advisex he had already sent it to the company for review and asked for me to call tomorrow as they have not respondedIt was sent over to the company for the 3rd time and still they act as if theu never received itThis company is holding up a mortgage for me, and is refusing to handle the fraudulant charges and account on my credit appropriately and in a timely mannerAttached here is yet another coorspondence I sent to the company days agoI expect a letter stating the company has deleted the account from all of my credit reports, has closed the account with a zero balance, and has ceased all collection efforts on this accountI need this letter immediately as this had been almost months since they first received all of my information requestedFurther more, I can not have a dispute reported on my credit fileI requested that this not be put in as a dispute on my credit report, but rather a deletionThis company is further messing up my mortgage process intentionallyIf this is not handled within hours, I will be contacting the media, the Consumer Financial Protection Bureau, the states Attorney General, and file an official complaint against the company with the Federal Trade Commission per the Federal Trade Commissions advisement.Please help me with this matter CindyThany you, [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 Be advised that this is a notice that your claim is disputed and validation is requestedUnder the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debtThis is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to USC 1692g Sec(b) of the FDCPAI respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay YOUAt this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus (Equifax, Experian, Trans Union), this action might constitute fraud under both federal and state lawsDue to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following: Violation of the Fair Debt Collection Practices Act and Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agenciesIf your offices are able to provide the proper documentation as requested in the following declaration, I will require days to investigate this information and during such time all collection activity must cease and desistAlso, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suitThis includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidatedIf your offices fail to respond to this validation request within days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately It would be advisable that you and your client assure that your records are in order before I am forced to take legal action CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following: • Agreement from me to you to collect on this alleged debt • Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor • Any insurance claims been made by any creditor regarding this account • Any Judgments obtained by any creditor regarding this account • Name and address of alleged creditor • Name on file of alleged debtor • Alleged account number • Address on file for alleged debtor • Amount of alleged debt • Date this alleged debt became payable • Date of original charge off or delinquency • Verification that this debt was assigned or sold to collector • Complete accounting of alleged debt • Commission for debt collector if collection efforts are successful / [redacted] Style Definitions */ I have no contract nor received any services from LVNV nor Resurgent Capital Services Regards, [redacted]
Please see the attached response.June 22, [redacted] Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] Case/File No [redacted] Previous Creditor: [redacted] *** Original Creditor: [redacted] [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] This letter is in response to your correspondence dated June 22, 2015, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] on or about July 11, As of the date of this communication, the account balance is $Please review the following account information: This account originated on October 31, 2010, with [redacted] *** This account charged off on June 6, 2013, with a balance of $The last payment in the amount of $was received on December 20, No payments have been received on this account since Resurgent started servicing it in July Enclosed are bill statements, terms and conditions and an account summary for your reviewAll ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of saleIn accordance with the Fair Credit Reporting Act, the LVNV tradeline 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 utilizes third party collection agencies to service accounts on its behalfOur servicer received the enclosed Revdex.com (“Revdex.com”) inquiry dated May 31, 2014, which is substantially the same as the correspondence received June 22, Enclosed is our servicer’s response to the Revdex.com inquiry dated June 4, Accordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent [redacted] has not been contacted by Resurgent directly; however, we do not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debtsAccordingly, we expect the same of the servicers collecting on our behalfHowever, no calls have been made regarding this account since Resurgent placed the account in a cease status on June 11, Furthermore, Resurgent has not received any correspondence directly from [redacted] If, after review of the above-referenced information, [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from [redacted] and/or [redacted] *** concerning her dispute, it may help with our investigation, so please have her forward it to: Compliance Department or Fax: [redacted] [redacted] *** [redacted] *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [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 This was done to a disabled lady, unable to pay any bills They where the ONLY vultures to do this, everone else wrote claims off Done without any notice Regards, [redacted]
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Financial Services Of Indiana, IncOriginal Creditor: [redacted] Financial Services, Inc(formerly known as “ [redacted] [redacted] Finance”) Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated April 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 7, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVOur records indicate the first communication we received from Mr [redacted] was a letter dated March 20, that was received by our office on March 30, The account was accordingly placed into a dispute status and an investigation began into Mr [redacted] ’s claimUpon receipt of his inquiry with the Revdex.com, the Compliance department conducted a review of the documentation that Mr [redacted] provided in March, as well as the documentation he provided with his Revdex.com inquiryAfter investigation, we have closed the account due to fraudMr [redacted] should no longer be contacted by Resurgent or any affiliate companies regarding this accountSeparately, a request to delete the LVNV tradeline for this account was submitted to the three major consumer reporting agencies in March as the permissible reporting period for credit reporting expired for this accountWe apologize for any inconvenience Mr [redacted] may have experiencedIf Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [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: [redacted] Reference Number: [redacted] Current Balance: $1,Dear Ms [redacted] : This letter is in response to your correspondence dated June 14, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 10, 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 21, with [redacted] Bank, N.AThe last payment in the amount of $was received on May 21, This account charged off on December 27, with a balance of $No payments have been received on this account since Resurgent started servicing it in January 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 saleWe are unable to alter the credit reporting of another creditorMr [redacted] should contact the appropriate consumer reporting agencies regarding any information he believes is being reported in errorIn 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 removedThe enclosed letter containing verification of debt was mailed to Mr [redacted] on April 26, in response to his request dated April 15, Additionally, we are providing the enclosed bill statements on file for this accountThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)If, after reviewing the above-referenced information, 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 matterIf 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: Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.OBox *** Greenville, SC If 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)
[redacted] [redacted] Previous Creditor: [redacted] IncOriginal Creditor: [redacted] *** Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] This letter is in response to your correspondence, dated March 2, 2016, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] , ***on or about March 21, As of the date of this communication, the account balance is $Please review the following account information: This account originated on October 9, with [redacted] *** This account charged off on August 10, with a balance of $No payments have been received on this account since Resurgent started servicing it in March Enclosed please find an account summary on file for the accountAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleResurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to his/her disputeIn accordance with the [redacted] 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 removedThe term “open” in [redacted] credit report is not meant to indicate that the account is open or can be usedThe term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demandBecause the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio typeIf [redacted] has additional questions related to the credit reporting, then he/she will need to contact the appropriate consumer reporting agenciesResurgent previously received a letter from [redacted] , dated August 12, 2015, which contained language we interpreted to request that we cease contact with him/herAccordingly, this account was placed in a cease status, which resulted in no further contact, written or otherwise, from ResurgentOur records reflect that [redacted] called in to Resurgent on February 29, 2016, lifted the cease and desist, and requested to satisfy the account for less than the full balance [redacted] was provided an offer of $to satisfy the account, and the enclosed letter confirming that offer was sent to [redacted] on or about March 1, 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 [redacted] claim(s), we will take any necessary steps to resolve this accountIf this account was paid or satisfied in full, the offer letter, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaintIn addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: [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 LPEnclosures ACCOUNT SUMMARY REPORT3/8/10:34:AMThis 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] City: [redacted] Original Creditor [redacted] State: GA Inc.Zip Code: [redacted] Date of Last PaymentCurrent Balance SummaryOwed Collected BalancePrincipal $- $242.22Interest $- $12.87Total $- $[redacted] The current balance due on this account is: $***Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us at [redacted] to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: [redacted] ***The origination date with original creditor was: 10/09/2009The account charge-off date was: 08/10/2011The account charge-off amount was: $242.22The account was acquired on or about: 03/21/2014The account was acquired from: [redacted] ***The account balance at time of acquisition: $242.22This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose
RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to the additional concerns submitted by [redacted] dated May 15, regarding the above-referenced accountLVNV Funding LLC (“LVNV”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVAs advised in our previous response, if 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 to the address below in order to help us resolve this matterCompliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] does not wish to dispute this account as fraud, and instead would like to make payment arrangements, she may contact Customer Service at the number belowUpon confirmation that all funds have cleared the banking system, the account status will be updated to “paid in full” and a request to update the [redacted] tradeline to “account paid in full” will be submitted to the three major consumer reporting agenciesPlease be advised, we do not accept payment in exchange for tradeline deletionIf the account is paid, it will report as paid to the consumer reporting agenciesIf Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1- [redacted] Sincerely, TH*** Compliance 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 January 12, 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 LVNV [redacted] Bank (USA), N.Acharged off this debt and sold the account“Charge-off” does not mean that a debt has been satisfiedIt is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposesCharging off an account does not affect the consumer’s responsibility for the amount owedAn account remains collectible after charge-off, and if the account is sold the new owner has the right to collect itAs explained in our previous response, 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 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: 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.P
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 ("***") owns the account number ending in ***, having acquired it on January 28, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by ***. 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 ***. 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 *** 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 (“BBB”) 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
Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] Previous Creditor: [redacted] , IncOriginal Creditor: [redacted] *** [redacted] [redacted] Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by [redacted] ***on or about June 7, Please review the following account information: This account originated on January 24, with [redacted] and was opened with [redacted] This account charged off on June 22, with a balance of $4,The last payment in the amount of $2,was received on February 29, Our records indicate this account was included in [redacted] Chapter bankruptcyThe loan obligation encumbering the below-listed collateral was satisfied with the payment of $2,dated February 29, [redacted] After review, Resurgent has determined the check in the amount of $1,posted to [redacted] additional account in our system on March 3, That account, with reference number [redacted] account number [redacted] originated January 8, with [redacted] ***Resurgent is also the servicer of this account owned by LVNVOur records indicate the account ending in [redacted] was also included in [redacted] Chapter bankruptcyAs part of our investigation, we reviewed the phone calls [redacted] placed to Resurgent in February and March [redacted] advised Resurgent he would cancel the check in the amount of $1,156.83, prior to making a payment by phone in the amount of $2,on February 29, 2016, and at no time advised Resurgent we did not have permission to post the check in the amount of $1,A refund in the amount of $1,will be issued to [redacted] once the payment has posted for days, per Resurgent policy, in case of insufficient funds or cancellation of paymentWe apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] [redacted] Resurgent Capital Services L.P
RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. Thank you for your quick response and resolution to the matter. Regards, [redacted]
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] *** Bank (USA), N.AOriginal Creditor: [redacted] ***, N.ACurrent Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms R***: This letter is in response to your correspondence received December 18, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 23, 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 June 9, with [redacted] ***, N.A(“ [redacted] ***”)This account charged off on April 11, with a balance of $No payments have been received on this account since Resurgent started servicing it in August Enclosed is an account summary on file for this accountLVNV 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 LVNVMr [redacted] ’s inquiry dated December 18, is the first communication, written or otherwise, that Resurgent has received from Mr [redacted] regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle [redacted] charged off this debt and sold the account“Charge-off” does not mean that a debt has been 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 November 6, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in August Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicersMr [redacted] ’s December 18, 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 customerIf, after reviewing the above-referenced information, Mr [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Mr [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-[redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT12/21/12:27: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] [redacted] Owner LVNV Funding LLCAddress: [redacted] ** Resurgent Reference # [redacted] City: [redacted] Original Creditor [redacted] ***, N.A.State: SC Account Number XXXXXXXXXXXX***Zip Code: 29526-Current Balance Due $684.62Date of Last Payment 09/04/2015Historical Account InformationThe original creditor for this account was: [redacted] ***, N.A.The origination date with original creditor was: 06/09/2014The account charge-off date was: 04/11/2016The account charge-off amount was: $684.62The account was acquired on or about: 08/23/2017The account was acquired from: [redacted] Bank (USA), N.A.The account balance at time of acquisition: $684.62This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
Revdex.com:My attorney stated that as long as there is no contact with me then they should be fineIf you have questions contact my attorney who is dealing with my chapter No collection is to be done on any of these accounts or they will have to deal with my attorney.The case is filed with court so no one can do any more contact with me in regards with any of these accountsSo please make [redacted] *** and [redacted] *** bank aware of this so they stop sending me letters 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]
[redacted] [redacted] Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM August 16, 2016 [redacted] *** RevDex.com of Upstate South... Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted] [redacted] *** [redacted] *** [redacted] *** [redacted] [redacted] [redacted] Dear [redacted] This letter is in response to your correspondence dated August 15, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ***. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about December 15, 2014. As of the date of this communication, the account balance is $846.22. Please review the following account information: 1. This account originated on April 2, 2012 with [redacted] *** 2. This account charged off on November 24, 2014 with a balance of $842.53. 3. The last payment in the amount of $5.50 was received on March 3, 2014. 4. No payments have been received on this account since Resurgent started servicing it in December 2014. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Based on information contained in our account records, the tradeline for this account should not be deleted. It will continue to report for the remaining reporting period unless new facts require a change. Resurgent received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The enclosed letter containing the validation notice was previously mailed to [redacted] on December 16, 2014 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Furthermore, Resurgent also provided verification in response to [redacted] previous BBB inquiry submitted on August 21, 2015. This account has been properly verified, as required by the FDCPA. As a follow up to [redacted] previous inquiry, enclosed please find the charge off statement, terms and conditions, and an account summary on file for this account. We are confident the information provided is sufficient to resolve this complaint. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: [redacted] [redacted] [redacted] *** [redacted] *** If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] *** Complaint Department Resurgent Capital Services L.P. Enclosures ACCOUNT SUMMARY REPORT8/16/2016 11:40:40 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] LLC [redacted] Zip Code: [redacted] Date of Last Payment 03/03/2014Current Balance Due $846.22Historical Account InformationThe original creditor for this account was: [redacted] ***The origination date with original creditor was: 04/02/2012The account charge-off date was: 11/24/2014The account charge-off amount was: $842.53The account was acquired on or about: 12/15/2014The account was acquired from: [redacted] ***The account balance at time of acquisition: $842.53This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.