Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Sending a debt validation letter two years after you begin collection activity and credit reporting is a violation of the FDCPALVNV also chooses to ignore the fact they were operating in a state they are not licensed and are collecting on a debt that the original creditor deleted due to violations of the FCRAOne of the three major credit reporting agencies already deleted the trade lineIf you do not put in a request to delete reporting from the other two this problem will continue to escalateDo the right thing or you will regret it, you are accomplishing nothing Regards, [redacted]
Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated March 7, 2016, regarding the above-referenced accountLVNV Funding LLC (“LVNV”), the Current Creditor-Debt Purchaser, owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one or more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agencies [redacted] 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 January 9, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or about October Resurgent complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on the appropriate regulator’s websiteThis account has been properly verified, as required by the [redacted] [redacted] Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]
Dear Ms [redacted] : This letter is in response to your correspondence dated November 15, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 14, 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 May 27, with [redacted] Bank Nevada, N.Aand was opened with [redacted] ***This account charged off on October 31, with a balance of $The last payment in the amount of $was received on September 3, No payments have been received on this account since Resurgent started servicing it in June Enclosed is 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 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 removedMs [redacted] ’s inquiry dated November 15, is the first written communication that Resurgent has received from Ms [redacted] regarding the above-referenced accountWe are providing the above-referenced account summary as verification of debtIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.OBox *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] Complaint Department Resurgent Capital Services L.PEnclosure ACCOUNT SUMMARY REPORT11/17/9:16: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] Cir Resurgent Reference # [redacted] City: [redacted] Original Creditor HSBC Bank Nevada, N.A.State: TX Account Number [redacted] Zip Code: ***-Current Balance Due $1106.32Date of Last Payment 09/03/2011Historical Account InformationThe original creditor for this account was: [redacted] Bank Nevada, N.A.The origination date with original creditor was: 05/27/2009The account charge-off date was: 10/31/2011The account charge-off amount was: $568.13The account was acquired on or about: 06/14/2013The account was acquired from: Capital One, N.A.The account balance at time of acquisition: $1,013.51This 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
RE: [redacted] ***; Case/File No [redacted] Account Number: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received January 31, 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 LVNVPlease note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concernsThis account originated on June 7, with [redacted] and was opened with [redacted] The last payment in the amount of $was received on July 15, The account charged off on February 24, with a balance of $LVNV subsequently acquired the account on March 28, No payments have been received on this account since Resurgent began servicing it in March The current account balance is $LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent 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 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 August 28, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in May We are providing the enclosed bill statements and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT2/5/3:33: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] Dr Unit * Resurgent Reference # [redacted] City: [redacted] *** Original Creditor [redacted] State: TX Account Number XXXXXXXXXXXX***Zip Code: 78681-Merchant [redacted] Current Balance Due $682.70Date of Last Payment 07/15/2016Historical Account InformationThe original creditor for this account was: [redacted] The origination date with original creditor was: 06/07/2016The account charge-off date was: 02/24/2017The account charge-off amount was: $682.70The account was acquired on or about: 03/28/2017The account was acquired from: [redacted] Consumer USAThe account balance at time of acquisition: $682.70This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $8,346.51 Dear [redacted] This letter is in response to your correspondence dated April 1, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns... the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold b [redacted] ***. on or about December 23, 2015. As of the date of this communication, the account balance is $8,346.51. Please review the following account information: 1. This account originated on June 20, 2012 with [redacted] and was opened with [redacted] 2. This account charged off on April 23, 2013 with a balance of $8,346.51. 3. No payments have been received on this account since Resurgent started servicing it in December 2015. 4. Enclosed please find copies of the [redacted] and [redacted] ” and a letter advising you of the deficiency after the repossession sale. [redacted] complaint dated April 1, 2016 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. In accordance with the [redacted] ), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one of more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the *** website: [redacted] If [redacted] believes that this account was previously paid or satisfied in full, please advise him/her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] *** [redacted] *** If you have any further questions, comments or concerns, please contact Customer Service at [redacted] . Sincerely, [redacted] [redacted] Resurgent Capital Services L. P.
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I never received a dunning letter from “ [redacted] Strategies” nor from “LVNV Funding LLC”, nor from “Resurgent Capital Services” prior to them putting this info on all three credit bureauI disputed both of these accounts which is why LVNV Funding LLC provided a written response in because I disputed this informationI filed a dispute with [redacted] Bank because the account was not mine and they have removed both of these accounts off all three credit bureaus because the account was not mineThis account is not mine and according to the FDCPA they have provided no proof this account is mineBoth of these accounts need to be removed off all three credit bureaus, [redacted] Bank the original creditor has removed both accounts off all three credit bureaus because I disputed the accounts were not mine and they confirmed that by removing both accounts off Equifax, Experian and TransunionSo they are trying to collect on a debt that’s not mine and does not exist and has been reporting inaccurate information on all my credit reports and needs to be removed immediately Regards, [redacted]
Please see the attached response January 8, [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] ***Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] This letter is in response to your correspondence dated January 7, 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 January 16, As of the date of this communication, the account balance is $Please review the following account information: This account originated on June 21, 2013, with [redacted] ***This account charged off on December 28, 2014, with a balance of $The last payment in the amount of $was received on May 18, No payments have been received on this account since Resurgent started servicing it in January Enclosed are bill statements, terms and conditions and an account summary for your reviewAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleIn accordance with the Fair Credit Reporting Act, 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 cycleResurgent, as servicer for [redacted] ***, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one of more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agenciesFurthermore, enclosed is a copy of the letter Resurgent mailed [redacted] ***, which included the validation noticeWe apologize for [redacted] ***’s inconvenience she may have experienced in her attempts to try to contact us regarding this accountDue to the inconvenience she has experienced, we would like to offer to satisfy in full for $Upon confirmation that the 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 agenciesPayment(s) may be mailed to the following address, or [redacted] may contact Customer Service at [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.P [redacted] If payment is not received by the February 15, 2016, 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 madeIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P
RevDex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous [redacted] *** Original Creditor: [redacted] ***. Current Owner: LVNV Funding LLC Account... Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 18, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ***. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about May 9, 2013. Please review the following account information: 1. This account originated on April 7, 2008 with [redacted] ***. and was opened with [redacted] *** 2. This account charged off on May 31, 2010. 3. The last payment in the amount of $100.00 was received on March 31, 2015. 4. Payments totaling $2,853.32 have been received on this account since Resurgent started servicing it in May 2013. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies as “Paid in Full for Less than the Full Balance” on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the electronic dispute that [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to her dispute. Our records indicate that the last payment of $100.00 was made on the account on March 31, 2015 and the status of the account was updated to Settled in Full on April 27, 2015. The tradeline was then reported accurately as Account Paid in Full for Less than the Full Balance. [redacted] charged off this debt and sold the account. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 2, 2009. A request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Resurgent has no record of receiving any written or telephonic communication from [redacted] after the account status was updated to Settled in Full in April 2015. We apologize for any misunderstanding. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I do not have a contact with Resurgent Capital Services L.PI am not liable for collectionThis debt from credit one bank NAI am not responsible for this debt
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Their response does not prove I received a dunning letter/notice prior to them reporting this information on my credit report, They have not provided proper debt validation and they haven't provided proof this account is mineThe original creditor removed both these accounts from my credit report because they were not mineI've attached the Texas Finance Code to this response
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ** ***, and have determined that this does not resolve my complaint.
I am not looking for proof that they down the debtI am looking for proof that the debt is mine - Per the last court date when LVNV dismissed their lawsuitThey did not have any proof that this debt was mine and If they cannot prove that the debt is mine they need to remove from my credit reportI also asked in court that if they wanted to move forward with any further collection activities they need to complete arbitration as I requested at the court hearing when LVNV dismissed their lawsuit against me.
Regards,
*** ***
*** *** *** *** *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,077.54 Dear *** *** This letter is in response to ***
*** correspondence dated February 15, regarding the above-referenced account ending in ***LVNV Funding LLC (“LVNV”), the current Creditor-Debt Purchaser has acquired the account referenced above ending in *** Resurgent Capital Services L.P. (“Resurgent”) is the servicer of accounts owned by LVNVThe account was subsequently acquired by LVNV on or about August 22, 2014, at which time the balance was $1,As of the date of this communication, the account balance is $1,077.54, which includes a principal balance of $1,009.50, interest balance of $68.04, cost balance of $and fees balance of $Please review the following account information: *** *** *** *** advised that this account originated on September 4, 2013. This account charged off on July 10, with a balance of $1,009.50. The last payment in the amount of $was received by *** *** *** *** on November 14, 2013. No payments have been received on this account since its purchase in August 2014. 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 sale. Resurgent received the multiple electronic disputes that *** *** 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 *** *** *** *** the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one of more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agencies. The first communication Resurgent received from *** *** was a letter, dated January 28, 2016, which was received on or about February 5, In response to his dispute, the enclosed letter, which included the validation notice, was mailed to *** *** on or about February 12, 2016, in compliance with the *** *** *** *** *** *** We are providing the attached bill statements, terms and conditions, and account summary as verification of debt in accordance with the *** *** *** *** ***(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, *** *** 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 *** website: *** ***If *** *** 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 *** *** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: *** *** ** *** *** ** *** *** ***e *** *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ** *** and have determined that this does not resolve my complaint.
[The account is under my husband's name *** * ***
Regards,
*** ***
July 11, 2016 *** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 *** *** ** *** *** *** *** Original Creditor: *** *** *** *** Account Number: *** Reference Number:
*** Dear *** *** This letter is in response to your correspondence dated July 5, 2016, submitted by *** ** *** The only account we were able to locate in the name of *** *** is the above referenced account*** *** account was acquired by LVNV Funding LLC (“LVNV”) on February 17, 2016, and subsequently sold to *** *** *** on February 29, Resurgent was the servicer of this account when it was under LVNV ownershipFor additional information, please contact *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** *** *** Resurgent Capital Services LP
RE: *** ***; Case/File No*** Reference Number: *** Dear Ms***: This letter is in response to the additional concerns submitted by Ms*** dated July 19, 2017 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. Our response to Ms***’s previous inquiry provided her with verification of debtThis account has been properly verified as required by the Fair Debt Collection Practices ActUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,085.92 Dear Ms
***: This letter is in response to your correspondence dated June 14, 2017, and received July 10, 2017, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on July 13, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,085.92. Please review the following account information: This account originated on August 8, with *** *** Bank, N.A(“*** ***”). The last payment in the amount of $was received on April 28, 2016. This account charged off on June 15, with a balance of $1,085.92. No payments have been received on this account since Resurgent started servicing it in July 2016. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms*** 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. *** *** 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 December 14, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in September 2022. The enclosed letter containing verification of debt was mailed to Ms*** on January 2, 2017 in response to her December 29, disputeAdditionally, we are providing the enclosed bill statements and terms and conditions 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, Ms*** believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms*** believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms*** has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-*** MS *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by Resurgent in reference to complaint ** ***, and find that this resolution is satisfactory to me
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
First of all, Resurgent Capital or LVNV did not respond to my request for validation within the day period
setforth under Texas Finance Code There is no evidence to support any claim that I received a response Furthermore, any documentation or information presented at this time comes too little too late The debt collector has already violated the Texas Finance Code I am making every effort to resolve this matter outside of presenting the case to a courtroom jury in my community I am respectfully requesting deletion of this invalidated account as I have already suffered damages stemming from the debt collector's willful negligence in this matter
Regards,
*** ***
RE: *** ***; Case/File No*** Reference Numbers: ***, *** Dear Ms***: This letter is in response to your correspondence received August 8, regarding the two above-referenced accountsLVNV Funding LLC ("LVNV") owns the two above-referenced accounts
Resurgent Capital Services LP ("Resurgent") is the servicer of accounts owned by LVNVPlease review the following account information: Account Number: *** Reference Number: *** Original Creditor: *** ***, N.A. This account originated on 12/21/with *** ***, N.A. This account charged off on 6/20/with a balance of $720.83. This account was purchased from *** *** Bank (USA), N.Aon 7/18/2017. No payments have been received on this account since Resurgent started servicing it in July 2017. Account Number: *** Reference Number: *** Original Creditor: *** *** Bank, N.A. This account originated on 12/25/with *** *** Bank, N.A. This account charged off on 6/11/with a balance of $889.41. This account was purchased from ***, LLC on 7/20/2017. The last payment in the amount of $was received on 11/2/2016. No payments have been received on this account since Resurgent started servicing it in July 2017. LVNV acquired all ownership rights in these accounts upon LVNV’s purchase of these accounts. Those rights include, but are not limited to, the right to collect on these accounts and report to the consumer reporting agencies (also known as “credit bureaus”) should the accounts be eligible for credit reporting. Currently, LVNV is not reporting these accounts to the major consumer reporting agencies. Ms***’s inquiry dated August 8, is the first communication, written or otherwise, that Resurgent has received from Ms*** regarding the above-referenced accountsMs***’s August 8, inquiry contains language Resurgent has interpreted to mean that we cease communication with herWhen Resurgent receives a cease and desist request, Resurgent places a restriction on the account(s) so that no further written or verbal contact is made to our customer. We are aware that these accounts have been included in Ms***’s Chapter bankruptcy filing and will await further communication from her attorney and/or trustee. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
May 2, 2016 *** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 ***
*** *** *** *** *** Previous Creditor: *** *** *** *** *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number* *** Reference Number: *** Current Balance: $4,262.37 *** *** *** This letter is in response to your correspondence dated April 27, regarding the above-referenced accountLVNV Funding LLC ("LVNV ") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** *** *** ***) on or about April 17, As of the date of this communication, the account balance is $4,Please review the following account information: This account originated on August 23, with *** *** *** *** and was opened with *** *** ** This account charged off on February 29, 2008. The last payment in the amount of $was received on August 22, 2007. No payments have been received on this account since Resurgent started servicing it in April 2008. Please find enclosed the credit application on file for this account. 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 reporting. Currently, LVNV is not reporting the account to the major consumer reporting agencies. *** *** *** *** 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 August 29, A request to delete the LVNV tradeline was submitted to the consumer reporting agencies on or about December 2013. *** *** April 27, complaint contains language Resurgent has interpreted to mean that we cease communication with himWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If M** *** 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 *** *** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: *** ** *** *** *** *** *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** *** *** Resurgent Capital Services L.P
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Sending a debt validation letter two years after you begin collection activity and credit reporting is a violation of the FDCPALVNV also chooses to ignore the fact they were operating in a state they are not licensed and are collecting on a debt that the original creditor deleted due to violations of the FCRAOne of the three major credit reporting agencies already deleted the trade lineIf you do not put in a request to delete reporting from the other two this problem will continue to escalateDo the right thing or you will regret it, you are accomplishing nothing Regards, [redacted]
Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601- [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated March 7, 2016, regarding the above-referenced accountLVNV Funding LLC (“LVNV”), the Current Creditor-Debt Purchaser, owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by LVNVResurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one or more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agencies [redacted] 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 January 9, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies on or about October Resurgent complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on the appropriate regulator’s websiteThis account has been properly verified, as required by the [redacted] [redacted] Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expiredIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted]
Dear Ms [redacted] : This letter is in response to your correspondence dated November 15, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 14, 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 May 27, with [redacted] Bank Nevada, N.Aand was opened with [redacted] ***This account charged off on October 31, with a balance of $The last payment in the amount of $was received on September 3, No payments have been received on this account since Resurgent started servicing it in June Enclosed is 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 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 removedMs [redacted] ’s inquiry dated November 15, is the first written communication that Resurgent has received from Ms [redacted] regarding the above-referenced accountWe are providing the above-referenced account summary as verification of debtIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf Ms [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.OBox *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] Complaint Department Resurgent Capital Services L.PEnclosure ACCOUNT SUMMARY REPORT11/17/9:16: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] Cir Resurgent Reference # [redacted] City: [redacted] Original Creditor HSBC Bank Nevada, N.A.State: TX Account Number [redacted] Zip Code: ***-Current Balance Due $1106.32Date of Last Payment 09/03/2011Historical Account InformationThe original creditor for this account was: [redacted] Bank Nevada, N.A.The origination date with original creditor was: 05/27/2009The account charge-off date was: 10/31/2011The account charge-off amount was: $568.13The account was acquired on or about: 06/14/2013The account was acquired from: Capital One, N.A.The account balance at time of acquisition: $1,013.51This 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
RE: [redacted] ***; Case/File No [redacted] Account Number: [redacted] Original Creditor: [redacted] Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received January 31, 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 LVNVPlease note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concernsThis account originated on June 7, with [redacted] and was opened with [redacted] The last payment in the amount of $was received on July 15, The account charged off on February 24, with a balance of $LVNV subsequently acquired the account on March 28, No payments have been received on this account since Resurgent began servicing it in March The current account balance is $LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent 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 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 August 28, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in May We are providing the enclosed bill statements and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s) ACCOUNT SUMMARY REPORT2/5/3:33: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] Dr Unit * Resurgent Reference # [redacted] City: [redacted] *** Original Creditor [redacted] State: TX Account Number XXXXXXXXXXXX***Zip Code: 78681-Merchant [redacted] Current Balance Due $682.70Date of Last Payment 07/15/2016Historical Account InformationThe original creditor for this account was: [redacted] The origination date with original creditor was: 06/07/2016The account charge-off date was: 02/24/2017The account charge-off amount was: $682.70The account was acquired on or about: 03/28/2017The account was acquired from: [redacted] Consumer USAThe account balance at time of acquisition: $682.70This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $8,346.51 Dear [redacted] This letter is in response to your correspondence dated April 1, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns... the account number ending in [redacted] Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold b [redacted] ***. on or about December 23, 2015. As of the date of this communication, the account balance is $8,346.51. Please review the following account information: 1. This account originated on June 20, 2012 with [redacted] and was opened with [redacted] 2. This account charged off on April 23, 2013 with a balance of $8,346.51. 3. No payments have been received on this account since Resurgent started servicing it in December 2015. 4. Enclosed please find copies of the [redacted] and [redacted] ” and a letter advising you of the deficiency after the repossession sale. [redacted] complaint dated April 1, 2016 is the first communication, written or otherwise, that Resurgent has received from [redacted] regarding the above-referenced account. In accordance with the [redacted] ), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one of more of these third-party collection agencies since it was acquired by LVNV. Any notification requirements for this account would have been met by these collection agencies. If, after reviewing the above-referenced information, [redacted] believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the *** website: [redacted] If [redacted] believes that this account was previously paid or satisfied in full, please advise him/her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] [redacted] *** [redacted] *** If you have any further questions, comments or concerns, please contact Customer Service at [redacted] . Sincerely, [redacted] [redacted] Resurgent Capital Services L. P.
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I never received a dunning letter from “ [redacted] Strategies” nor from “LVNV Funding LLC”, nor from “Resurgent Capital Services” prior to them putting this info on all three credit bureauI disputed both of these accounts which is why LVNV Funding LLC provided a written response in because I disputed this informationI filed a dispute with [redacted] Bank because the account was not mine and they have removed both of these accounts off all three credit bureaus because the account was not mineThis account is not mine and according to the FDCPA they have provided no proof this account is mineBoth of these accounts need to be removed off all three credit bureaus, [redacted] Bank the original creditor has removed both accounts off all three credit bureaus because I disputed the accounts were not mine and they confirmed that by removing both accounts off Equifax, Experian and TransunionSo they are trying to collect on a debt that’s not mine and does not exist and has been reporting inaccurate information on all my credit reports and needs to be removed immediately Regards, [redacted]
Please see the attached response January 8, [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] ***Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear [redacted] This letter is in response to your correspondence dated January 7, 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 January 16, As of the date of this communication, the account balance is $Please review the following account information: This account originated on June 21, 2013, with [redacted] ***This account charged off on December 28, 2014, with a balance of $The last payment in the amount of $was received on May 18, No payments have been received on this account since Resurgent started servicing it in January Enclosed are bill statements, terms and conditions and an account summary for your reviewAll ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVPrevious creditors may also continue to report the history of this account from the origination date up to the time of saleIn accordance with the Fair Credit Reporting Act, 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 cycleResurgent, as servicer for [redacted] ***, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one of more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agenciesFurthermore, enclosed is a copy of the letter Resurgent mailed [redacted] ***, which included the validation noticeWe apologize for [redacted] ***’s inconvenience she may have experienced in her attempts to try to contact us regarding this accountDue to the inconvenience she has experienced, we would like to offer to satisfy in full for $Upon confirmation that the 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 agenciesPayment(s) may be mailed to the following address, or [redacted] may contact Customer Service at [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.P [redacted] If payment is not received by the February 15, 2016, 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 madeIf you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L.P
RevDex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted] Previous [redacted] *** Original Creditor: [redacted] ***. Current Owner: LVNV Funding LLC Account... Number: [redacted] Reference Number: [redacted] Dear [redacted] This letter is in response to your correspondence dated March 18, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ***. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted] on or about May 9, 2013. Please review the following account information: 1. This account originated on April 7, 2008 with [redacted] ***. and was opened with [redacted] *** 2. This account charged off on May 31, 2010. 3. The last payment in the amount of $100.00 was received on March 31, 2015. 4. Payments totaling $2,853.32 have been received on this account since Resurgent started servicing it in May 2013. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies as “Paid in Full for Less than the Full Balance” on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the electronic dispute that [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to her dispute. Our records indicate that the last payment of $100.00 was made on the account on March 31, 2015 and the status of the account was updated to Settled in Full on April 27, 2015. The tradeline was then reported accurately as Account Paid in Full for Less than the Full Balance. [redacted] charged off this debt and sold the account. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 2, 2009. A request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Resurgent has no record of receiving any written or telephonic communication from [redacted] after the account status was updated to Settled in Full in April 2015. We apologize for any misunderstanding. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Compliance Department Resurgent Capital Services L. P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I do not have a contact with Resurgent Capital Services L.PI am not liable for collectionThis debt from credit one bank NAI am not responsible for this debt
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Their response does not prove I received a dunning letter/notice prior to them reporting this information on my credit report, They have not provided proper debt validation and they haven't provided proof this account is mineThe original creditor removed both these accounts from my credit report because they were not mineI've attached the Texas Finance Code to this response
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ** ***, and have determined that this does not resolve my complaint.
I am not looking for proof that they down the debtI am looking for proof that the debt is mine - Per the last court date when LVNV dismissed their lawsuitThey did not have any proof that this debt was mine and If they cannot prove that the debt is mine they need to remove from my credit reportI also asked in court that if they wanted to move forward with any further collection activities they need to complete arbitration as I requested at the court hearing when LVNV dismissed their lawsuit against me.
Regards,
*** ***
*** *** *** *** *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,077.54 Dear *** *** This letter is in response to ***
*** correspondence dated February 15, regarding the above-referenced account ending in ***LVNV Funding LLC (“LVNV”), the current Creditor-Debt Purchaser has acquired the account referenced above ending in *** Resurgent Capital Services L.P. (“Resurgent”) is the servicer of accounts owned by LVNVThe account was subsequently acquired by LVNV on or about August 22, 2014, at which time the balance was $1,As of the date of this communication, the account balance is $1,077.54, which includes a principal balance of $1,009.50, interest balance of $68.04, cost balance of $and fees balance of $Please review the following account information: *** *** *** *** advised that this account originated on September 4, 2013. This account charged off on July 10, with a balance of $1,009.50. The last payment in the amount of $was received by *** *** *** *** on November 14, 2013. No payments have been received on this account since its purchase in August 2014. 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 sale. Resurgent received the multiple electronic disputes that *** *** 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 *** *** *** *** the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalfThis account has been placed with one of more of these third-party collection agencies since it was acquired by LVNVAny notification requirements for this account would have been met by these collection agencies. The first communication Resurgent received from *** *** was a letter, dated January 28, 2016, which was received on or about February 5, In response to his dispute, the enclosed letter, which included the validation notice, was mailed to *** *** on or about February 12, 2016, in compliance with the *** *** *** *** *** *** We are providing the attached bill statements, terms and conditions, and account summary as verification of debt in accordance with the *** *** *** *** ***(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, *** *** 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 *** website: *** ***If *** *** 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 *** *** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: *** *** ** *** *** ** *** *** ***e *** *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ** *** and have determined that this does not resolve my complaint.
[The account is under my husband's name *** * ***
Regards,
*** ***
July 11, 2016 *** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 *** *** ** *** *** *** *** Original Creditor: *** *** *** *** Account Number: *** Reference Number:
*** Dear *** *** This letter is in response to your correspondence dated July 5, 2016, submitted by *** ** *** The only account we were able to locate in the name of *** *** is the above referenced account*** *** account was acquired by LVNV Funding LLC (“LVNV”) on February 17, 2016, and subsequently sold to *** *** *** on February 29, Resurgent was the servicer of this account when it was under LVNV ownershipFor additional information, please contact *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** *** *** Resurgent Capital Services LP
RE: *** ***; Case/File No*** Reference Number: *** Dear Ms***: This letter is in response to the additional concerns submitted by Ms*** dated July 19, 2017 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. Our response to Ms***’s previous inquiry provided her with verification of debtThis account has been properly verified as required by the Fair Debt Collection Practices ActUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,085.92 Dear Ms
***: This letter is in response to your correspondence dated June 14, 2017, and received July 10, 2017, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on July 13, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,085.92. Please review the following account information: This account originated on August 8, with *** *** Bank, N.A(“*** ***”). The last payment in the amount of $was received on April 28, 2016. This account charged off on June 15, with a balance of $1,085.92. No payments have been received on this account since Resurgent started servicing it in July 2016. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Ms*** 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. *** *** 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 December 14, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in September 2022. The enclosed letter containing verification of debt was mailed to Ms*** on January 2, 2017 in response to her December 29, disputeAdditionally, we are providing the enclosed bill statements and terms and conditions 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, Ms*** believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms*** believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms*** has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-*** MS *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by Resurgent in reference to complaint ** ***, and find that this resolution is satisfactory to me
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
First of all, Resurgent Capital or LVNV did not respond to my request for validation within the day period
setforth under Texas Finance Code There is no evidence to support any claim that I received a response Furthermore, any documentation or information presented at this time comes too little too late The debt collector has already violated the Texas Finance Code I am making every effort to resolve this matter outside of presenting the case to a courtroom jury in my community I am respectfully requesting deletion of this invalidated account as I have already suffered damages stemming from the debt collector's willful negligence in this matter
Regards,
*** ***
RE: *** ***; Case/File No*** Reference Numbers: ***, *** Dear Ms***: This letter is in response to your correspondence received August 8, regarding the two above-referenced accountsLVNV Funding LLC ("LVNV") owns the two above-referenced accounts
Resurgent Capital Services LP ("Resurgent") is the servicer of accounts owned by LVNVPlease review the following account information: Account Number: *** Reference Number: *** Original Creditor: *** ***, N.A. This account originated on 12/21/with *** ***, N.A. This account charged off on 6/20/with a balance of $720.83. This account was purchased from *** *** Bank (USA), N.Aon 7/18/2017. No payments have been received on this account since Resurgent started servicing it in July 2017. Account Number: *** Reference Number: *** Original Creditor: *** *** Bank, N.A. This account originated on 12/25/with *** *** Bank, N.A. This account charged off on 6/11/with a balance of $889.41. This account was purchased from ***, LLC on 7/20/2017. The last payment in the amount of $was received on 11/2/2016. No payments have been received on this account since Resurgent started servicing it in July 2017. LVNV acquired all ownership rights in these accounts upon LVNV’s purchase of these accounts. Those rights include, but are not limited to, the right to collect on these accounts and report to the consumer reporting agencies (also known as “credit bureaus”) should the accounts be eligible for credit reporting. Currently, LVNV is not reporting these accounts to the major consumer reporting agencies. Ms***’s inquiry dated August 8, is the first communication, written or otherwise, that Resurgent has received from Ms*** regarding the above-referenced accountsMs***’s August 8, inquiry contains language Resurgent has interpreted to mean that we cease communication with herWhen Resurgent receives a cease and desist request, Resurgent places a restriction on the account(s) so that no further written or verbal contact is made to our customer. We are aware that these accounts have been included in Ms***’s Chapter bankruptcy filing and will await further communication from her attorney and/or trustee. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
May 2, 2016 *** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 ***
*** *** *** *** *** Previous Creditor: *** *** *** *** *** *** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number* *** Reference Number: *** Current Balance: $4,262.37 *** *** *** This letter is in response to your correspondence dated April 27, regarding the above-referenced accountLVNV Funding LLC ("LVNV ") owns the account number ending in *** Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVThe account was previously sold by *** *** *** *** *** ***) on or about April 17, As of the date of this communication, the account balance is $4,Please review the following account information: This account originated on August 23, with *** *** *** *** and was opened with *** *** ** This account charged off on February 29, 2008. The last payment in the amount of $was received on August 22, 2007. No payments have been received on this account since Resurgent started servicing it in April 2008. Please find enclosed the credit application on file for this account. 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 reporting. Currently, LVNV is not reporting the account to the major consumer reporting agencies. *** *** *** *** 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 August 29, A request to delete the LVNV tradeline was submitted to the consumer reporting agencies on or about December 2013. *** *** April 27, complaint contains language Resurgent has interpreted to mean that we cease communication with himWhen a cease and desist request is received by our office, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. If M** *** 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 *** *** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: *** ** *** *** *** *** *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** *** *** Resurgent Capital Services L.P