May 2, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Account Number: *** Original Creditor: *** ***, N.A. Current Owner: LVNV Funding LLC Reference Number: *** Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received May 1, 2018 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***, having subsequently acquired it on January 20, Resurgent Capital Services L.P(“Resurgent”) is the servicer of this LVNV account. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. This account originated on September 1, with *** ***, N.AThe account charged off on January 29, with a balance of $No payments have been received on this account since it was acquired by LVNVThe current account balance is $566.67. 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. Verification of debt was provided to Ms*** on January 18, in response to her Consumer Financial Protection Bureau inquiry, case number ***The bill statements and account summary that were provided with our response are enclosed for your referenceThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Resurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalfAfter investigating the account, we found no evidence of mishandlings alleged in Ms***’s inquiry. Our records indicate that Ms*** submitted a notice requesting that we cease communication with her to this office on January 6, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. 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*** 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 below. 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. 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-*** ** *** 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, LR*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I still have not received anything in writing to PROVE that this is in fact an account I opened. A
signature, receipts of purchases made, location where account was opened. I know that I never opened a new account after Bankruptcy. You cannot collect on an account without verifying the owner of the account and I need proof that I actually opened this. I have also disputed this account with *** *** however I have not received a response yet.
Regards,
*** ***
RE: *** *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $873.31 Dear MsR***: This letter is in response to your correspondence received November 30, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 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 $Please review the following account information: This account originated on December 21, with *** *** Bank, N.A (“*** ***”). The last payment in the amount of $was received on February 3, 2015. This account charged off on July 27, with a balance of $873.31. No payments have been received on this account since Resurgent started servicing it in August 2015. 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 January 26, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in October 2021. Although Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframeThe FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customerResurgent did stop collection efforts once we received Ms***’ request, and did not resume those efforts until we provided her with a verification response. Verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was provided to Ms*** on August 21, in response to her Consumer Financial Protection Bureau inquiry, case number ***-***The bill statements, terms and conditions, and an account summary that were provided with our response are enclosed for referenceThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Our records indicate that Ms*** submitted a notice requesting that we cease communication with her to this office on November 27, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. 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-*** ** *** 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, AB*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
I am submitting the complaint because I didn't receive any correspondence from the office after I sent a request for them to provide validity that the debt is mine
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $828.48 Dear Ms***: This
letter is in response to your correspondence dated June 21, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on February 17, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on January 28, with *** *** Bank, N.A. The last payment in the amount of $was received on May 17, 2015. This account charged off on January 6, with a balance of $828.48. No payments have been received on this account since Resurgent started servicing it in February 2016. Enclosed are bill statements, terms and conditions, and an account summary 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 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 electronic dispute 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. If, after reviewing the above-referenced information, Ms*** 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. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, 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, TH*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: *** ***; Case/File No*** Previous Creditor: *** Consumer USA Original Creditor: *** Current Owner: *** Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,369.36 Dear Ms***: This letter is in response to your correspondence dated January 6, regarding the above-referenced account*** Funding LLC ("***") owns the account number ending in ***, having acquired it on April 30, 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 November 19, with *** and was opened with ***. This account charged off on March 10, with a balance of $1,369.36. The last payment in the amount of $was received on August 7, 2014. No payments have been received on this account since Resurgent started servicing it in April 2015. All ownership rights in this account were transferred to *** 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 ***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*** 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 *** 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 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 website. We have confirmed that Ms***’s account is still within her state’s statute of limitations. Resurgent, as servicer for ***, 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 ***Any notification requirements for this account would have been met by these collection agencies. The enclosed letter containing verification of debt was mailed to Ms*** on November 18, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)We note that the letter was mailed to the same address Ms*** provided as her address in her Revdex.com inquiryAdditionally, we are enclosing bill statements on file for the account as further verification of debt. If, after reviewing the above-referenced information, Ms*** 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.pdf. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** Greenville, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-***. Sincerely, AW*** Complaint Department Resurgent Capital Services L.P. Enclosures
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,018.36 Dear Ms***: This letter is in response to your correspondence received July 21, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on September 12, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on April 16, *** *** Bank, N.A(“*** ***”). The last payment in the amount of $was received on May 2, 2016. This account charged off on August 22, with a balance of $1,018.36. No payments have been received on this account since Resurgent started servicing it in September 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 21, 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 April 13, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, 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 FDCPA. Ms***’s July 21, 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 so that no further written or verbal contact is made to our customer. 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-*** ** *** 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 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: $868.17 Dear *** *** This letter is in response to your correspondence dated March 9, 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 December 23, As of the date of this communication, the account balance is $Please review the following account information: This account originated on June 20, with *** *** *** ** *** *** This account charged off on August 20, with a balance of $868.17. The last payment in the amount of $was received on April 15, 2013. No payments have been received on this account since Resurgent started servicing it in December 2015. Enclosed please find an account summary on file for the account. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous 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, 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. *** *** complaint dated March 9, is the first communication, written or otherwise, that Resurgent has received from *** *** regarding the above-referenced accountIn accordance with the *** *** *** *** ***), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. We recognize that *** *** believes this account should have been resolved by her ex-husband. However, this account is in *** *** name only; therefore she is responsible for the balance. If, after reviewing the above-referenced information, *** *** 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 *** website: *** If *** *** 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 *** *** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: *** *** ** *** *** ** *** *** *** *** *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** *** *** Resurgent Capital Services LP. Enclosure ACCOUNT SUMMARY REPORT3/14/2:53: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* *** *** Owner LVNV Funding LLCAddress: *** *** ** *** *** * ***City: *** *** *** *** *** *** State: ** ** South CarolinaZip Code: *** Account Number ***Date of Last Payment 04/15/2013Current Balance SummaryOwed Collected BalancePrincipal $- $868.17Total $- $868.17*** 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 *** to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: *** *** *** ** *** ***The origination date with original creditor was: 06/20/2012The account charge-off date was: 08/20/2013The account charge-off amount was: $868.17The account was acquired on or about: 12/23/2015The account was acquired from* *** *** *** ***The account balance at time of acquisition: $868.17This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose
RE: *** ***; Case/File No*** Reference Number: *** Dear MsR***: This letter is in response to the additional concerns submitted by Mr*** received April 2, 2018 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 records indicate that the account was closed due to fraud on April 2, 2018, after review of the police report provided by Mr***Mr*** should no longer be contacted by Resurgent, or any affiliate companies, regarding the accountA request to delete the LVNV tradeline for this account was submitted to the three major consumer reporting agencies on or about April 3, We apologize for any inconvenience Mr*** may have experienced. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
RE: *** ***; Case/File No*** Reference Numbers: ***, *** Dear MsR***: This letter is in response to your correspondence received October 23, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for
Mr***. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: *** Reference Number: *** Original Creditor: *** ***, N.A. Account Number: *** Reference Number: *** Original Creditor: *** ***, N.A. We have verified these accounts were settled in full on September 13, Account ending in *** was settled for $339.75, and account ending in *** was settled for $The accounts are considered resolved in our office, and Mr*** should not be contacted by Resurgent or any affiliate companies regarding these accounts. Resurgent would like to thank Mr*** for bringing this matter to our attentionAs a courtesy to Mr***, a request to delete the LVNV tradelines for these accounts will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenience Mr*** may have experienced. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,This does not prove that this was me who open this so call *** account I've never did any
business with this company nether with *** you never tried to contact me on this matter the only how I found out about *** was because of my credit report never received any mail or phone call from this company you pick up a so called debt from a company that you say I owe from YEARS ago and want me to show proof of fraud come on I would like for this company to remove themselves from my credit report as soon as possible or tell *** to contact me personally to resolve this fraudulent matter
*** ***
RE: *** ***; Case/File No*** Previous Creditor: *** *** Bank (USA), N.A. Original Creditor: *** Bank Nevada, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $501.28 Dear Ms
***: This letter is in response to your correspondence received July 26, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on February 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 April 14, with *** Bank Nevada, N.A(“***”). The last payment in the amount of $was received on June 7, 2012. This account charged off on January 31, with a balance of $283.16. No payments have been received on this account since Resurgent started servicing it in February 2013. 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 July 13, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in April 2019. The enclosed letter containing verification of debt was mailed to Ms*** on June 19, in response to her June 15, disputeThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Ms***’s July 26, 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 so that no further written or verbal contact is made to our customer. 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-*** ** *** 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 of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** *** *** *** Dear *** *** This letter is in response to your correspondence dated March 22, After researching this
matter, it has been determined *** *** is not the responsible party for this matter*** *** should no longer be contacted by Resurgent or any company hired by us regarding this matter. A request to delete the LVNV tradeline reporting in error to *** *** credit report will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenience *** *** may have experienced. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $812.86 Dear Ms***: 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 September 7, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on January 11, with *** *** Bank, N.A. The last payment in the amount of $was received on August 12, 2012. This account charged off on August 17, with a balance of $554.57. No payments have been received on this account since Resurgent started servicing it in September 2012. Enclosed are bill statements and an account summary 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 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 Mr*** 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 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 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. 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 website. We have confirmed that Mr***’s account is still within his state’s statute of limitations. Our records indicate that Mr*** submitted a notice requesting that we cease communication with him to this office on November 29, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Mr*** believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. If Mr*** believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: 866-*** MS *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
March 12, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Account Number: *** Original Creditor: *** ***, N.A. Current Owner:
LVNV Funding LLC Reference Number: *** Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 7, 2018 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***, having subsequently acquired it on January 20, Resurgent Capital Services L.P(“Resurgent”) is the servicer of this LVNV account. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. Our records indicate that Ms*** called into our office on February 14, to discuss settling the accountDuring the call, Ms*** was advised that Resurgent does not accept payment in exchange for tradeline deletion and that the account would report accurately to the credit reporting agencies until the permissible reporting period expiresWe have verified this account was satisfied in full on February 14, for $The status of the account was updated to “Satisfied in Full” on February 15, The account is considered resolved in our office, and Ms*** should not be contacted by Resurgent or any affiliate companies regarding this account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for Less than the Full Balance” was submitted to the three major consumer reporting agencies on March 7, 2018. Additionally, if Ms*** would like to contact our office, we ask that she forward any written communication to the following address: Compliance Department or Fax: 866-*** ** *** 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, AB*** Compliance Department Resurgent Capital Services L.P
March 8, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear MsR***: This letter is in response to the additional concerns submitted by Mr*** dated March 5, 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. We have investigated this matter and closed the account due to fraudMr*** should no longer be contacted by Resurgent, or any affiliate companies, regarding the accountA request to delete the LVNV tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenience Mr*** may have experienced. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, LR*** Compliance Department Resurgent Capital Services L.P
RE: *** ** ***; Case/File No*** Previous Creditor: *** Communications, Inc. Original Creditor: *** Communications, Inc. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $176.90 Dear Ms***: This letter is in response to your correspondence received August 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 8, 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 August 16, with *** Communications, Inc. This account charged off on January 7, with a balance of $176.90. No payments have been received on this account since Resurgent started servicing it in June 2015. Enclosed is an account summary on file for this account. 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 Mr*** submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was 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 September 7, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in June 2019. The term “open” in Mr***’s 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 demand. Because 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 Mr*** has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agencies. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicers. Mr*** is correct that the statute of limitations for seeking legal action, such as a judgment, has expired; however, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or his responsibility for the balance due on this account. If, after reviewing the above-referenced information, Mr*** believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr*** believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr*** has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: *** *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $865.35 Dear Ms***: This
letter is in response to your correspondence dated June 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 9, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $Please review the following account information: This account originated on October 15, with *** *** Bank, N.A. The last payment in the amount of $was received on September 26, 2014. This account charged off on May 27, with a balance of $865.35. No payments have been received on this account since Resurgent started servicing it in June 2015. 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 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. *** *** Bank, 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 itAdditionally, we have confirmed that Ms***’s account is still within her state’s statute of limitations. Resurgent, 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 agenciesEnclosed is a copy of the notice that was sent on or about June 12, advising that information may be reported to the consumer reporting agencies if the debt is not paid. The enclosed letters containing verification of debt with validation were mailed to Ms*** on May 3, and May 11, in response to her April 18, inquiryAdditionally, 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”). Our records indicate that Ms*** submitted a notice requesting that we cease telephone communication with her to this office on May 23, When such a request is received by our office, we place a restriction on the account so that no further telephone contact is made to the customer. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, 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)
RE: *** ***; Case/File No*** Previous Creditor: *** *** Bank (USA), N.A. Original Creditor: *** ***, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $445.70 Dear Ms***: This letter is in response to your correspondence dated April 20, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 20, Resurgent *** 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 December 9, with *** ***, N.A. This account charged off on August 6, with a balance of $445.70. No payments have been received on this account since Resurgent started servicing it in January 2017. Enclosed is an account summary 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 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 Ms*** submitted through *** 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. Resurgent has reviewed the allegation in Ms***’ inquiry that the above referenced account was discharged in bankruptcyOur records indicate that this account was opened after Ms***’ bankruptcies were filed, and therefore was not included in her bankruptcy. Our records indicate that Ms*** submitted a notice requesting that we cease communication with her to this office on January 25, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Ms*** 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. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, 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, TH*** Compliance Department Resurgent *** Services L.P. Enclosure(s)
RE: *** F*; Case/File No1*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $419.51 Dear Ms***: This letter
is in response to your correspondence dated January 20, 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 $Please review the following account information: This account originated on May 29, with *** *** Bank, N.A. This account charged off on May 9, with a balance of $585.36. The last payment in the amount of $was received on November 28, 2016. As of the date of this letter the balance owed is $419.51, which includes $of interest. 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 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. Resurgent, 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 LVNVMost recently, this account was placed with *** *** & Collections Corpto service on Resurgent’s behalf. Ms*** states that she requested validation, but never received a responseThe enclosed letter containing verification of debt was mailed to Ms*** on January 5, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we have enclosed the bill statements and terms and conditions on file for this account as further verification of debtThis account has been properly verified, as required by the FDCPA. Ms***’s January 20, inquiry contains language Resurgent has interpreted to mean that we cease communication with herWhen 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. On January 27, 2017, Ms*** contacted Resurgent by phone and spoke with a member of the Compliance departmentShe indicated that she did not recall having this account and believed it to be fraudShe was provided instructions on how to dispute this account as fraudWe are currently awaiting her documentation, and will review it upon receiptWe would like to point out, however, that in a letter to the consumer reporting agencies, Ms*** indicated this account was paid prior to LVNV’s acquisition and should have never gone to collections, which would contradict her claim that this account is fraud. Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition or charged off in errorIf, upon hearing back from the original creditor, we learn anything to substantiate Ms***’s claims, 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 complaintPlease advise Ms*** to forward any documents to the address below. In addition, if Ms*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** ***, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-***. Sincerely, AW*** Complaint Department Resurgent Capital Services L.P. Enclosures
May 2, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Account Number: *** Original Creditor: *** ***, N.A. Current Owner: LVNV Funding LLC Reference Number: *** Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received May 1, 2018 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***, having subsequently acquired it on January 20, Resurgent Capital Services L.P(“Resurgent”) is the servicer of this LVNV account. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. This account originated on September 1, with *** ***, N.AThe account charged off on January 29, with a balance of $No payments have been received on this account since it was acquired by LVNVThe current account balance is $566.67. 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. Verification of debt was provided to Ms*** on January 18, in response to her Consumer Financial Protection Bureau inquiry, case number ***The bill statements and account summary that were provided with our response are enclosed for your referenceThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Resurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalfAfter investigating the account, we found no evidence of mishandlings alleged in Ms***’s inquiry. Our records indicate that Ms*** submitted a notice requesting that we cease communication with her to this office on January 6, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. 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*** 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 below. 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. 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-*** ** *** 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, LR*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I still have not received anything in writing to PROVE that this is in fact an account I opened. A
signature, receipts of purchases made, location where account was opened. I know that I never opened a new account after Bankruptcy. You cannot collect on an account without verifying the owner of the account and I need proof that I actually opened this. I have also disputed this account with *** *** however I have not received a response yet.
Regards,
*** ***
RE: *** *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $873.31 Dear MsR***: This letter is in response to your correspondence received November 30, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 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 $Please review the following account information: This account originated on December 21, with *** *** Bank, N.A (“*** ***”). The last payment in the amount of $was received on February 3, 2015. This account charged off on July 27, with a balance of $873.31. No payments have been received on this account since Resurgent started servicing it in August 2015. 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 January 26, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in October 2021. Although Resurgent makes every effort to respond promptly to all customer requests, the FDCPA does not contain any rule requiring that such responses be provided within a specific timeframeThe FDCPA only requires Resurgent to cease collection of the debt, or any disputed portion thereof, until verification (or a response to the dispute) is mailed to the customerResurgent did stop collection efforts once we received Ms***’ request, and did not resume those efforts until we provided her with a verification response. Verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was provided to Ms*** on August 21, in response to her Consumer Financial Protection Bureau inquiry, case number ***-***The bill statements, terms and conditions, and an account summary that were provided with our response are enclosed for referenceThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Our records indicate that Ms*** submitted a notice requesting that we cease communication with her to this office on November 27, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. 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-*** ** *** 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, AB*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
I am submitting the complaint because I didn't receive any correspondence from the office after I sent a request for them to provide validity that the debt is mine
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $828.48 Dear Ms***: This
letter is in response to your correspondence dated June 21, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on February 17, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on January 28, with *** *** Bank, N.A. The last payment in the amount of $was received on May 17, 2015. This account charged off on January 6, with a balance of $828.48. No payments have been received on this account since Resurgent started servicing it in February 2016. Enclosed are bill statements, terms and conditions, and an account summary 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 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 electronic dispute 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. If, after reviewing the above-referenced information, Ms*** 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. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, 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, TH*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: *** ***; Case/File No*** Previous Creditor: *** Consumer USA Original Creditor: *** Current Owner: *** Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,369.36 Dear Ms***: This letter is in response to your correspondence dated January 6, regarding the above-referenced account*** Funding LLC ("***") owns the account number ending in ***, having acquired it on April 30, 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 November 19, with *** and was opened with ***. This account charged off on March 10, with a balance of $1,369.36. The last payment in the amount of $was received on August 7, 2014. No payments have been received on this account since Resurgent started servicing it in April 2015. All ownership rights in this account were transferred to *** 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 ***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*** 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 *** 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 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 website. We have confirmed that Ms***’s account is still within her state’s statute of limitations. Resurgent, as servicer for ***, 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 ***Any notification requirements for this account would have been met by these collection agencies. The enclosed letter containing verification of debt was mailed to Ms*** on November 18, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)We note that the letter was mailed to the same address Ms*** provided as her address in her Revdex.com inquiryAdditionally, we are enclosing bill statements on file for the account as further verification of debt. If, after reviewing the above-referenced information, Ms*** 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.pdf. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** Greenville, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-***. Sincerely, AW*** Complaint Department Resurgent Capital Services L.P. Enclosures
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $1,018.36 Dear Ms***: This letter is in response to your correspondence received July 21, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on September 12, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on April 16, *** *** Bank, N.A(“*** ***”). The last payment in the amount of $was received on May 2, 2016. This account charged off on August 22, with a balance of $1,018.36. No payments have been received on this account since Resurgent started servicing it in September 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 21, 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 April 13, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, 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 FDCPA. Ms***’s July 21, 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 so that no further written or verbal contact is made to our customer. 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-*** ** *** 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 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: $868.17 Dear *** *** This letter is in response to your correspondence dated March 9, 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 December 23, As of the date of this communication, the account balance is $Please review the following account information: This account originated on June 20, with *** *** *** ** *** *** This account charged off on August 20, with a balance of $868.17. The last payment in the amount of $was received on April 15, 2013. No payments have been received on this account since Resurgent started servicing it in December 2015. Enclosed please find an account summary on file for the account. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous 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, 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. *** *** complaint dated March 9, is the first communication, written or otherwise, that Resurgent has received from *** *** regarding the above-referenced accountIn accordance with the *** *** *** *** ***), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. We recognize that *** *** believes this account should have been resolved by her ex-husband. However, this account is in *** *** name only; therefore she is responsible for the balance. If, after reviewing the above-referenced information, *** *** 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 *** website: *** If *** *** 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 *** *** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: *** *** ** *** *** ** *** *** *** *** *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** *** *** Resurgent Capital Services LP. Enclosure ACCOUNT SUMMARY REPORT3/14/2:53: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* *** *** Owner LVNV Funding LLCAddress: *** *** ** *** *** * ***City: *** *** *** *** *** *** State: ** ** South CarolinaZip Code: *** Account Number ***Date of Last Payment 04/15/2013Current Balance SummaryOwed Collected BalancePrincipal $- $868.17Total $- $868.17*** 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 *** to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: *** *** *** ** *** ***The origination date with original creditor was: 06/20/2012The account charge-off date was: 08/20/2013The account charge-off amount was: $868.17The account was acquired on or about: 12/23/2015The account was acquired from* *** *** *** ***The account balance at time of acquisition: $868.17This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose
RE: *** ***; Case/File No*** Reference Number: *** Dear MsR***: This letter is in response to the additional concerns submitted by Mr*** received April 2, 2018 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 records indicate that the account was closed due to fraud on April 2, 2018, after review of the police report provided by Mr***Mr*** should no longer be contacted by Resurgent, or any affiliate companies, regarding the accountA request to delete the LVNV tradeline for this account was submitted to the three major consumer reporting agencies on or about April 3, We apologize for any inconvenience Mr*** may have experienced. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
RE: *** ***; Case/File No*** Reference Numbers: ***, *** Dear MsR***: This letter is in response to your correspondence received October 23, regarding the above-referenced accountsLVNV Funding LLC (“LVNV”) owns the two referenced accounts for
Mr***. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNVPlease review the following account information: Account Number: *** Reference Number: *** Original Creditor: *** ***, N.A. Account Number: *** Reference Number: *** Original Creditor: *** ***, N.A. We have verified these accounts were settled in full on September 13, Account ending in *** was settled for $339.75, and account ending in *** was settled for $The accounts are considered resolved in our office, and Mr*** should not be contacted by Resurgent or any affiliate companies regarding these accounts. Resurgent would like to thank Mr*** for bringing this matter to our attentionAs a courtesy to Mr***, a request to delete the LVNV tradelines for these accounts will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenience Mr*** may have experienced. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,This does not prove that this was me who open this so call *** account I've never did any
business with this company nether with *** you never tried to contact me on this matter the only how I found out about *** was because of my credit report never received any mail or phone call from this company you pick up a so called debt from a company that you say I owe from YEARS ago and want me to show proof of fraud come on I would like for this company to remove themselves from my credit report as soon as possible or tell *** to contact me personally to resolve this fraudulent matter
*** ***
RE: *** ***; Case/File No*** Previous Creditor: *** *** Bank (USA), N.A. Original Creditor: *** Bank Nevada, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $501.28 Dear Ms
***: This letter is in response to your correspondence received July 26, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on February 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 April 14, with *** Bank Nevada, N.A(“***”). The last payment in the amount of $was received on June 7, 2012. This account charged off on January 31, with a balance of $283.16. No payments have been received on this account since Resurgent started servicing it in February 2013. 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 July 13, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in April 2019. The enclosed letter containing verification of debt was mailed to Ms*** on June 19, in response to her June 15, disputeThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Ms***’s July 26, 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 so that no further written or verbal contact is made to our customer. 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-*** ** *** 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 of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** *** *** *** Dear *** *** This letter is in response to your correspondence dated March 22, After researching this
matter, it has been determined *** *** is not the responsible party for this matter*** *** should no longer be contacted by Resurgent or any company hired by us regarding this matter. A request to delete the LVNV tradeline reporting in error to *** *** credit report will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenience *** *** may have experienced. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $812.86 Dear Ms***: 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 September 7, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on January 11, with *** *** Bank, N.A. The last payment in the amount of $was received on August 12, 2012. This account charged off on August 17, with a balance of $554.57. No payments have been received on this account since Resurgent started servicing it in September 2012. Enclosed are bill statements and an account summary 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 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 Mr*** 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 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 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. 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 website. We have confirmed that Mr***’s account is still within his state’s statute of limitations. Our records indicate that Mr*** submitted a notice requesting that we cease communication with him to this office on November 29, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Mr*** believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. If Mr*** believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Compliance Department or Fax: 866-*** MS *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
March 12, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ** ***; Case/File No*** Account Number: *** Original Creditor: *** ***, N.A. Current Owner:
LVNV Funding LLC Reference Number: *** Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 7, 2018 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***, having subsequently acquired it on January 20, Resurgent Capital Services L.P(“Resurgent”) is the servicer of this LVNV account. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. Our records indicate that Ms*** called into our office on February 14, to discuss settling the accountDuring the call, Ms*** was advised that Resurgent does not accept payment in exchange for tradeline deletion and that the account would report accurately to the credit reporting agencies until the permissible reporting period expiresWe have verified this account was satisfied in full on February 14, for $The status of the account was updated to “Satisfied in Full” on February 15, The account is considered resolved in our office, and Ms*** should not be contacted by Resurgent or any affiliate companies regarding this account. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full for Less than the Full Balance” was submitted to the three major consumer reporting agencies on March 7, 2018. Additionally, if Ms*** would like to contact our office, we ask that she forward any written communication to the following address: Compliance Department or Fax: 866-*** ** *** 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, AB*** Compliance Department Resurgent Capital Services L.P
March 8, 2018 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Reference Number: *** Dear MsR***: This letter is in response to the additional concerns submitted by Mr*** dated March 5, 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. We have investigated this matter and closed the account due to fraudMr*** should no longer be contacted by Resurgent, or any affiliate companies, regarding the accountA request to delete the LVNV tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenience Mr*** may have experienced. If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, LR*** Compliance Department Resurgent Capital Services L.P
RE: *** ** ***; Case/File No*** Previous Creditor: *** Communications, Inc. Original Creditor: *** Communications, Inc. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $176.90 Dear Ms***: This letter is in response to your correspondence received August 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 8, 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 August 16, with *** Communications, Inc. This account charged off on January 7, with a balance of $176.90. No payments have been received on this account since Resurgent started servicing it in June 2015. Enclosed is an account summary on file for this account. 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 Mr*** submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was 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 September 7, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in June 2019. The term “open” in Mr***’s 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 demand. Because 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 Mr*** has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agencies. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicers. Mr*** is correct that the statute of limitations for seeking legal action, such as a judgment, has expired; however, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or his responsibility for the balance due on this account. If, after reviewing the above-referenced information, Mr*** believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr*** believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr*** has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Mr*** has any further questions, comments or concerns, he may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: *** *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $865.35 Dear Ms***: This
letter is in response to your correspondence dated June 5, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on June 9, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. As of the date of this communication, the account balance is $Please review the following account information: This account originated on October 15, with *** *** Bank, N.A. The last payment in the amount of $was received on September 26, 2014. This account charged off on May 27, with a balance of $865.35. No payments have been received on this account since Resurgent started servicing it in June 2015. 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 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. *** *** Bank, 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 itAdditionally, we have confirmed that Ms***’s account is still within her state’s statute of limitations. Resurgent, 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 agenciesEnclosed is a copy of the notice that was sent on or about June 12, advising that information may be reported to the consumer reporting agencies if the debt is not paid. The enclosed letters containing verification of debt with validation were mailed to Ms*** on May 3, and May 11, in response to her April 18, inquiryAdditionally, 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”). Our records indicate that Ms*** submitted a notice requesting that we cease telephone communication with her to this office on May 23, When such a request is received by our office, we place a restriction on the account so that no further telephone contact is made to the customer. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, 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)
RE: *** ***; Case/File No*** Previous Creditor: *** *** Bank (USA), N.A. Original Creditor: *** ***, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $445.70 Dear Ms***: This letter is in response to your correspondence dated April 20, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 20, Resurgent *** 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 December 9, with *** ***, N.A. This account charged off on August 6, with a balance of $445.70. No payments have been received on this account since Resurgent started servicing it in January 2017. Enclosed is an account summary 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 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 Ms*** submitted through *** 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. Resurgent has reviewed the allegation in Ms***’ inquiry that the above referenced account was discharged in bankruptcyOur records indicate that this account was opened after Ms***’ bankruptcies were filed, and therefore was not included in her bankruptcy. Our records indicate that Ms*** submitted a notice requesting that we cease communication with her to this office on January 25, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Ms*** 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. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, 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, TH*** Compliance Department Resurgent *** Services L.P. Enclosure(s)
RE: *** F
*; Case/File No1*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $419.51 Dear Ms***: This letter
is in response to your correspondence dated January 20, 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 $Please review the following account information: This account originated on May 29, with *** *** Bank, N.A. This account charged off on May 9, with a balance of $585.36. The last payment in the amount of $was received on November 28, 2016. As of the date of this letter the balance owed is $419.51, which includes $of interest. 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 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. Resurgent, 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 LVNVMost recently, this account was placed with *** *** & Collections Corpto service on Resurgent’s behalf. Ms*** states that she requested validation, but never received a responseThe enclosed letter containing verification of debt was mailed to Ms*** on January 5, in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we have enclosed the bill statements and terms and conditions on file for this account as further verification of debtThis account has been properly verified, as required by the FDCPA. Ms***’s January 20, inquiry contains language Resurgent has interpreted to mean that we cease communication with herWhen 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. On January 27, 2017, Ms*** contacted Resurgent by phone and spoke with a member of the Compliance departmentShe indicated that she did not recall having this account and believed it to be fraudShe was provided instructions on how to dispute this account as fraudWe are currently awaiting her documentation, and will review it upon receiptWe would like to point out, however, that in a letter to the consumer reporting agencies, Ms*** indicated this account was paid prior to LVNV’s acquisition and should have never gone to collections, which would contradict her claim that this account is fraud. Resurgent has submitted a request to the original creditor investigating whether this account was paid prior to LVNV’s acquisition or charged off in errorIf, upon hearing back from the original creditor, we learn anything to substantiate Ms***’s claims, 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 complaintPlease advise Ms*** to forward any documents to the address below. In addition, if Ms*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** ***, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-***. Sincerely, AW*** Complaint Department Resurgent Capital Services L.P. Enclosures