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.
LVNV/Resurgent has proven only that they own the debt, and have not proven that I have a legal requirement to pay themFurthermore, I never received a dunning notice from them for this account, as I learned of the debt through my credit reportsAlso, LVNV has illegally re-aged this account in order to cause further damage to my credit scoreFinally, they have not provided proof that they are registered as a debt collector with the state of OregonFor all of these reasons I request that this account be deleted from all three credit reporting agencies
Regards,
*** ***
Revdex.com,
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
*** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE* *** *** *** *** *** Previous Creditor* ** *** *** Original Creditor: *** *** *** *** Current Owner:
*** *** *** Account Number: *** Reference Number: *** Current Balance: *** Dear *** *** This letter is in response to your correspondence dated April 19, 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 November 26, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 13, with *** *** *** *** and was opened with ** *** Consumer. This account charged off on July 20, with a balance of $284.60. The last payment was received on December 21, 2007. No payments have been received on this account since Resurgent started servicing it in November 2008. An account summary on file for this account is enclosed for your reference. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, LVNV is not reporting the account to the major consumer reporting agencies and has not reported the account since September 2014. We show that *** *** called in to Resurgent Customer Service in October and wanted to pay on the account; the customer service representative referred *** *** to our third party collection agency servicing the account on our behalf. If, after reviewing the above-referenced information, *** *** believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the *** *** *** If *** *** believes that this account was previously paid or satisfied in full, please advise him/her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if *** *** has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: *** *** ** *** *** ** *** *** *** *** *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP. Enclosure ACCOUNT SUMMARY REPORT4/19/2:41: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: *** *** *** *** *** ***Address: *** *** *** *** *** * ***City: *** *** *** *** *** *** State: ** ***Zip Code: *** *** *** ***Merchant ** *** ***Date of Last Payment 12/21/2007Current Balance SummaryOwed Collected BalancePrincipal $- $454.44Interest $- $552.10Total $1,- $1,006.54*** The current balance due on this account is: $1,***Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us a* *** to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: *** *** *** ***The origination date with original creditor was: 08/13/2006The account charge-off date was: 07/20/2008The account charge-off amount was: $284.60The account was acquired on or about: 11/26/2008The account was acquired from: ** *** ***The account balance at time of acquisition: $454.44This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose
November 13, 2017 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous Creditor: *** Brands, Inc. Original Creditor:
*** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $164.79 Dear MsR***: This letter is in response to your correspondence received November 6, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on July 28, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on December 31, with *** and was opened with *** ***. The last payment in the amount of $was received on December 31, 2015. This account charged off on June 16, with a balance of $164.79. No payments have been received on this account since Resurgent started servicing it in July 2016. Enclosed are bill statements and 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 *** *** submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to their 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 removedBased on information contained in our account records, the tradeline for this account should not be deleted. As part of our investigation, we reached out to the original creditor regarding *** ***’s claim that the product purchased through *** *** was returned and their account was subsequently closedThe original creditor stated that the *** blender was not returned to *** ***Additionally, their records do not indicate that *** *** informed *** that they was planning on returning the item. Our records indicate that *** *** submitted a notice requesting that we cease communication with them to this office on October 24, 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, *** *** believes this account is fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If *** *** believes that this account was previously paid or satisfied in full, then please advise them 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 their dispute, then please forward it to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If *** *** has any further questions, comments or concerns, they may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT11/13/7:43:AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: *** *** Owner LVNV Funding LLCAddress: *** *** Rd Apt *** Resurgent Reference # ***City: Willow Grove Original Creditor WebBankState: PA Account Number XXXXXXXXXXXX***Zip Code: 19090-Merchant *** ***Current Balance Due $164.79Date of Last Payment 12/31/2015Historical Account InformationThe original creditor for this account was: ***The origination date with original creditor was: 12/31/2015The account charge-off date was: 06/16/2016The account charge-off amount was: $164.79The account was acquired on or about: 07/28/2016The account was acquired from: *** Brands, Inc.The account balance at time of acquisition: $164.79This 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 Ms***: This letter is in response to the additional concerns submitted by Mr*** received August 16, 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. Resurgent has received and reviewed Mr***’s August 16, disputeOur records indicate that we have already received and responded to a previous inquiry dated August 8, which is substantially the same as his August 16, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our response to Mr***’s previous inquiry, Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicersUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If 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
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.
As I have stated over and over and over to the Credit Bureaus to all of the Revdex.coms that I can find
where LVNV/Resurgent does business, I have contacted the Attorney General of the State of MN, Department of Commerce of State of MN as well as am contacting the Attorney General of SC and the Department of Commerce of SC. I am extremely stressed and upset that this company can do whatever they please no matter the consequences -- having those bills does not prove that it's my account and I've never seen those bills. They can produce them but they do not show purchases just my old address and my new address. BUT they have never proven this as my account other than their choosing to do so. I have notified all of the credit bureaus of deceitful practice and I will continue to do so till LVNV and Resurgent rescind this harassment and allow me to get a home because right now I'm homeless because of their having this on my credit report - I was in very sick in and was on dialysis and so there is no way that I could have opened any kind of account at any time - I wasn't able to do many things. Do I have to prove that to them - no just like they do not have to prove to me this is my account. But for the record I had a kidney transplant in so I DID NOT AND NEVER HAVE opened this account like they insist that I have. They can say it's my account over and over and I will continuously say it is not my account over and over. I have filed a fraud case with the *** *** police department and the *** police department and have case numbers for both of these accounts. I'm currently out of town but will have those case number for you on Monday the 14th of May. What they did by sending all of these documents was give me proof to provide to the police that this is not my account. In days I will have document with all of the information but now I can give them this - they HAVE NEVER SENT ANY OF THESE TO MY OLD ADDRESS OR MY *** *** ADDRESS but isn't it interesting that they have sent to you all of the bills with my name and address on it - no charges just accounts with dollar amounts and interest. As I told the police I was very sick in 2010-with kidney disease on dialysis in *** ***, MN. Now Resurgent can say whatever they choose about their customer service but why would I take out a credit card in when I was near death - explain that one to me? If I hadn't gotten the kidney transplant when I did I wouldn't even be worried about being homeless and not having a place to live based on accusations and incorrect information. I;m disappointed that the Revdex.com of SC would be willing to accept this letter from them as truth - why would I waste my time trying to fight something for as many years as I have been if this was my bill - why would I have done so when I was so sick I could hardly get out of my home after dialysis you are extremely sick and tired for two - three days after treatments - and you have treatments x a week hours per session. So just like they do not have to provide more than words, I too am going to provide the same respect that they do me. I will have a police complaint on fraud within the next weeks and I will happily provide to you and all of the other agencies that I have contacted but I DO NOT THINK THEY NEED TO KNOW ANYTHING MORE THAN WHAT THEY LIE ABOUT NOW - their integrity isn't even something they should express at all - they have none. I'm years old and they have done nothing but make my life a living *** and now I've no place to live - Tell them great job of customer service Resurgent.By the way in the State of MN they have mistakenly gone after individuals including garnishing wages of individuals whose name they found was similar to the name of the person they were after but the innocent person's wages were garnished and they almost lost their job over this - but LVNV continued with their harassment of innocent people in MN - so you may think they are legitimate they are not . They have gone after older people an innocent people many times across the United States. It's about time someone stands up and says no more. I need a place to live and LVNV and Resurgent are doing everything they can to make that not possible. I've even told apartments that I have family members that are willing to pay 2-months payments but because of LVNV and Resurgents' misinformation - that is what they look at not anything else.
Regards,
*** ***
RE: *** ***; Case/File No*** Reference Number: ***
Dear MsR***: This letter is in response to the additional concerns submitted by Ms*** dated January 9, 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. Resurgent has received and reviewed Ms***’ January 9, disputeOur records indicate that we have already received and responded to a previous inquiry dated December 27, which is substantially the same as her January 9, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. Our previous response to Ms***’ inquiry provided her with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, our previous response provided Ms. *** with a copy of the notice that was sent on or about March 17, by our third-party servicer regarding this accountUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888***. Sincerely,
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.July 23, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** Case/File No
*** Previous Creditor: *** *** *** ** *** *** Original Creditor: *** *** *** *** *** *** ** *** *** ***”) Current Owner: LVNV Funding LLC Account Number: *** (original Account Number ***) Reference Number: *** Current Balance: $5,751.43 Dear *** *** This letter is in response to your correspondence dated July 20, 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 June 7, 2013. As of the date of this communication, the account balance is $5,Please review the following account information: This account originated on March 30, with *** *** Services, Inc. This account charged off on January 30, with a balance of $3,954.82. The last payment in the amount of $was received on February 3, 2012. No payments have been received on this account since Resurgent started servicing it in June 2013. The Application for Loan and Loan Agreement and Disclosure Statement are enclosed for reference. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. The enclosed validation of debt was mailed to *** *** on or about June 20, in compliance with the Fair Debt Collection Practices Act (“FDCPA”). A judgment was obtained May 14, in the Court of General Sessions, County of ***, State of ***, with case number ***Our records indicate that *** *** was served the summons and complaint on May 2, Enclosed is a copy of the judgment for *** *** review. This is the only judgment Resurgent has record of, and this judgment has not been satisfiedWe are not the source of public record information reported by consumer reporting agenciesIf *** *** wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If 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 complaint. In addition, if *** *** has any correspondence to/from *** *** Services, Inc., ***, and/or *** *** *** ** *** *** concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP. Enclosures
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $661.90 Dear Ms***: This
letter is in response to your correspondence received October 25, regarding the above-referenced accountLVNV Funding LLC ("LVNV ") owns the account number ending in ***, having acquired it on December 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 April 15, with *** *** Bank, N.A(“*** ***”). This account charged off on November 27, with a balance of $661.90. No payments have been received on this account since Resurgent started servicing it in December 2015. Enclosed are bill statements, terms and conditions, and 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. Ms***’s inquiry dated October 25, is the first communication, written or otherwise, that Resurgent has received from Ms*** regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. *** *** 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 May 20, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in February 2022. 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) ACCOUNT SUMMARY REPORT11/1/6:19:PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: *** *** Owner LVNV Funding LLCAddress: *** *** St Resurgent Reference # ***City: *** Original Creditor *** *** Bank, N.A.State: SC Account Number XXXXXXXXXXXX***Zip Code: 29520-Current Balance Due $661.90Historical Account InformationThe original creditor for this account was: *** *** Bank, N.A.The origination date with original creditor was: 04/15/2015The account charge-off date was: 11/27/2015The account charge-off amount was: $661.90The account was acquired on or about: 12/14/2015The account was acquired from: ***, LLCThe account balance at time of acquisition: $661.90This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
March 21, 2018 Cindy
R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Account Number: *** Original Creditor: *** Current Owner: LVNV Funding LLC Reference Number: *** Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 16, 2018 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***, having subsequently acquired it on September 27, 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 November 9, with *** and was opened with *** ***The last payment in the amount of $was received on April 6, The account charged off on August 23, with a balance of $No payments have been received on this account since it was acquired by LVNVThe current account balance is $118.09. 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 April 26, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in January 2024. The enclosed letter containing verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was mailed to Ms*** on October 27, Additionally, verification of debt was also provided to Ms*** on January 25, in response to her previous Consumer Financial Protection Bureau (“CFPB”) inquiry, case number ***The bill statements that were provided in our response are enclosed for your reference. 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)
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $568.68 Dear Ms***: This letter is
in response to your correspondence dated March 17, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 15, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on October 9, with *** *** Bank, N.A. The last payment in the amount of $was received on December 10, 2015. This account charged off on July 27, with a balance of $568.68. No payments have been received on this account since Resurgent started servicing it in August 2016. 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 LVNVOur records do not indicate that a request to delete the LVNV tradeline was submitted to any of the three major credit reporting agenciesPrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that *** *** submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to their 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. The enclosed letters containing verification of debt and the validation notice were mailed to *** *** on September 13, in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed terms and conditions and bill statements as additional verification of debtThis account has been properly verified as required by the FDCPA. If, after reviewing the above-referenced information, *** *** believes this account is fraudulent, we ask that they 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 *** *** believes that this account was previously paid or satisfied in full, please advise them 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 their dispute, please forward it to: Compliance Department or Fax: 866-*** MS *** Attn: Compliance P.OBox *** Greenville, SC 29603 If *** *** has any further questions, comments or concerns, they may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: *** *** *** *** *** Previous Creditor: *** *** *** *** *** ** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number* *** Dear Ms*** This
letter is in response to your correspondence dated March 18, 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 July 20, Please review the following account information: This account originated on September 30, with *** *** *** ***and was opened with *** *** *** *** This account charged off on June 30, with a balance of $681.60. The last payment in the amount of $was received on March 16, 2016. 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 as “disputed” 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. We have verified this account was settled in full on March 16, for $The status of the account was updated to “Settled in Full” on March 16, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. In accordance with the *** *** *** *** (***), a request to update this account as “Account Paid in Full for less than the full balance” will be submitted to the three major consumer reporting agencies during the next reporting cycle. When *** *** contacted Resurgent on March 16, to pay the account, the representative he spoke with advised him our letter vendor is experiencing technical issues, and that it may be twenty-four hours before he received the faxed letter indicating the account had been paidAt 4:PM March 16, 2016, on or about the time the call between *** *** and the representative ended, the representative submitted a request to have the letter faxed*** *** called back to Resurgent on March 17, because he had not yet received the faxHe was transferred to a supervisor who ultimately requested a manual letter be faxed to *** *** indicating the account had been paidAt 5:PM March 17, 2016, a manual letter was faxed to *** *** indicating the account has been paidAdditionally, our records indicate the letter requested on March 16, was faxed to *** *** on March 18, Please find enclosed both lettersWe apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
May 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 Ms*** dated May 14, 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. Resurgent has received and reviewed Ms***’s May 14, disputeOur records indicate that we have already received and responded to a previous inquiry dated May 1, which is substantially the same as her May 14, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our previous response, If 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: 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
*** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 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: $679.48 Dear Ms***: This letter is in response to your correspondence received August 7, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 20, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on June 17, with *** ***, N.A(“*** ***”). This account charged off on February 14, with a balance of $679.48. No payments have been received on this account since Resurgent started servicing it in January 2017. 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 September 9, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in June 2020. Verification of debt was provided to Ms*** on July 22, in response to her previous Consumer Financial Protection Bureau (“CFPB”) inquiryWe are providing the enclosed bill statements and account summary which were enclosed in our responseThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). If, after reviewing the above-referenced information, Ms*** believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms*** believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms*** has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint.
Regards,
*** *** I’m rejecting the response because there still trying
too make me pay for the bill and I’m on a credit counseling program and it’s suppose to be paying for these two accountsSo I still feel like they’re trying to get extra money
RE: *** ** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: ***
Dear Ms***: This letter is in response to your
correspondence dated February 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on December 14, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. A lawsuit is currently pending on this account with case number *** in the District Court of Maryland for *** *** CountyAs this case is still pending, Resurgent is unable to respond to Ms***s allegations at this time. If Ms*** wishes to contact our third-party servicer handling this lawsuit, she may call ***If Ms*** has any questions or concerns after case number *** has been adjudicated, please contact Customer Service at ***
Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
Revdex.com,
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. Show me a signed contract and that you own this debt
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $588.82 Dear Ms. [redacted]: This letter is...
in response to your correspondence received October 25, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] having acquired it on May 12, 2016. 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 $588.82. Please review the following account information: 1. This account originated on January 8, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. This account charged off on April 15, 2016 with a balance of $1,358.80. 3. The last payment in the amount of $384.99 was received on August 28, 2017. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is October 14, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in July 2022. Mr. [redacted] states that Resurgent violated the FDCPA because we did not respond to his inquiry (or request for validation) within 30 days. 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 timeframe. The 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 customer. Resurgent did stop collection efforts once we received Mr. [redacted]’s request, and did not resume those efforts until we provided him with a verification response. The enclosed letters providing verification of debt and validation were mailed to Mr. [redacted] on June 29, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements on file for this account. This account has been properly verified as required by the FDCPA. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr. [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] 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.
LVNV/Resurgent has proven only that they own the debt, and have not proven that I have a legal requirement to pay themFurthermore, I never received a dunning notice from them for this account, as I learned of the debt through my credit reportsAlso, LVNV has illegally re-aged this account in order to cause further damage to my credit scoreFinally, they have not provided proof that they are registered as a debt collector with the state of OregonFor all of these reasons I request that this account be deleted from all three credit reporting agencies
Regards,
*** ***
Revdex.com,
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
*** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE* *** *** *** *** *** Previous Creditor* ** *** *** Original Creditor: *** *** *** *** Current Owner:
*** *** *** Account Number: *** Reference Number: *** Current Balance: *** Dear *** *** This letter is in response to your correspondence dated April 19, 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 November 26, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 13, with *** *** *** *** and was opened with ** *** Consumer. This account charged off on July 20, with a balance of $284.60. The last payment was received on December 21, 2007. No payments have been received on this account since Resurgent started servicing it in November 2008. An account summary on file for this account is enclosed for your reference. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, LVNV is not reporting the account to the major consumer reporting agencies and has not reported the account since September 2014. We show that *** *** called in to Resurgent Customer Service in October and wanted to pay on the account; the customer service representative referred *** *** to our third party collection agency servicing the account on our behalf. If, after reviewing the above-referenced information, *** *** believes this account is fraudulent, we ask that he/she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the *** *** *** If *** *** believes that this account was previously paid or satisfied in full, please advise him/her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if *** *** has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: *** *** ** *** *** ** *** *** *** *** *** *** *** ** *** If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP. Enclosure ACCOUNT SUMMARY REPORT4/19/2:41: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: *** *** *** *** *** ***Address: *** *** *** *** *** * ***City: *** *** *** *** *** *** State: ** ***Zip Code: *** *** *** ***Merchant ** *** ***Date of Last Payment 12/21/2007Current Balance SummaryOwed Collected BalancePrincipal $- $454.44Interest $- $552.10Total $1,- $1,006.54*** The current balance due on this account is: $1,***Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary from day to day, authorized persons may contact us a* *** to obtain up-to-date balance information.Historical Account InformationThe original creditor for this account was: *** *** *** ***The origination date with original creditor was: 08/13/2006The account charge-off date was: 07/20/2008The account charge-off amount was: $284.60The account was acquired on or about: 11/26/2008The account was acquired from: ** *** ***The account balance at time of acquisition: $454.44This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose
November 13, 2017 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous Creditor: *** Brands, Inc. Original Creditor:
*** Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $164.79 Dear MsR***: This letter is in response to your correspondence received November 6, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on July 28, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on December 31, with *** and was opened with *** ***. The last payment in the amount of $was received on December 31, 2015. This account charged off on June 16, with a balance of $164.79. No payments have been received on this account since Resurgent started servicing it in July 2016. Enclosed are bill statements and 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 *** *** submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to their 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 removedBased on information contained in our account records, the tradeline for this account should not be deleted. As part of our investigation, we reached out to the original creditor regarding *** ***’s claim that the product purchased through *** *** was returned and their account was subsequently closedThe original creditor stated that the *** blender was not returned to *** ***Additionally, their records do not indicate that *** *** informed *** that they was planning on returning the item. Our records indicate that *** *** submitted a notice requesting that we cease communication with them to this office on October 24, 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, *** *** believes this account is fraudulent, then we ask that they provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If *** *** believes that this account was previously paid or satisfied in full, then please advise them 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 their dispute, then please forward it to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If *** *** has any further questions, comments or concerns, they may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT11/13/7:43:AMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: *** *** Owner LVNV Funding LLCAddress: *** *** Rd Apt *** Resurgent Reference # ***City: Willow Grove Original Creditor WebBankState: PA Account Number XXXXXXXXXXXX***Zip Code: 19090-Merchant *** ***Current Balance Due $164.79Date of Last Payment 12/31/2015Historical Account InformationThe original creditor for this account was: ***The origination date with original creditor was: 12/31/2015The account charge-off date was: 06/16/2016The account charge-off amount was: $164.79The account was acquired on or about: 07/28/2016The account was acquired from: *** Brands, Inc.The account balance at time of acquisition: $164.79This 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 Ms***: This letter is in response to the additional concerns submitted by Mr*** received August 16, 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. Resurgent has received and reviewed Mr***’s August 16, disputeOur records indicate that we have already received and responded to a previous inquiry dated August 8, which is substantially the same as his August 16, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our response to Mr***’s previous inquiry, Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by LVNVAny notification requirements for this account would have been met by these servicersUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If 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
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.
As I have stated over and over and over to the Credit Bureaus to all of the Revdex.coms that I can find
where LVNV/Resurgent does business, I have contacted the Attorney General of the State of MN, Department of Commerce of State of MN as well as am contacting the Attorney General of SC and the Department of Commerce of SC. I am extremely stressed and upset that this company can do whatever they please no matter the consequences -- having those bills does not prove that it's my account and I've never seen those bills. They can produce them but they do not show purchases just my old address and my new address. BUT they have never proven this as my account other than their choosing to do so. I have notified all of the credit bureaus of deceitful practice and I will continue to do so till LVNV and Resurgent rescind this harassment and allow me to get a home because right now I'm homeless because of their having this on my credit report - I was in very sick in and was on dialysis and so there is no way that I could have opened any kind of account at any time - I wasn't able to do many things. Do I have to prove that to them - no just like they do not have to prove to me this is my account. But for the record I had a kidney transplant in so I DID NOT AND NEVER HAVE opened this account like they insist that I have. They can say it's my account over and over and I will continuously say it is not my account over and over. I have filed a fraud case with the *** *** police department and the *** police department and have case numbers for both of these accounts. I'm currently out of town but will have those case number for you on Monday the 14th of May. What they did by sending all of these documents was give me proof to provide to the police that this is not my account. In days I will have document with all of the information but now I can give them this - they HAVE NEVER SENT ANY OF THESE TO MY OLD ADDRESS OR MY *** *** ADDRESS but isn't it interesting that they have sent to you all of the bills with my name and address on it - no charges just accounts with dollar amounts and interest. As I told the police I was very sick in 2010-with kidney disease on dialysis in *** ***, MN. Now Resurgent can say whatever they choose about their customer service but why would I take out a credit card in when I was near death - explain that one to me? If I hadn't gotten the kidney transplant when I did I wouldn't even be worried about being homeless and not having a place to live based on accusations and incorrect information. I;m disappointed that the Revdex.com of SC would be willing to accept this letter from them as truth - why would I waste my time trying to fight something for as many years as I have been if this was my bill - why would I have done so when I was so sick I could hardly get out of my home after dialysis you are extremely sick and tired for two - three days after treatments - and you have treatments x a week hours per session. So just like they do not have to provide more than words, I too am going to provide the same respect that they do me. I will have a police complaint on fraud within the next weeks and I will happily provide to you and all of the other agencies that I have contacted but I DO NOT THINK THEY NEED TO KNOW ANYTHING MORE THAN WHAT THEY LIE ABOUT NOW - their integrity isn't even something they should express at all - they have none. I'm years old and they have done nothing but make my life a living *** and now I've no place to live - Tell them great job of customer service Resurgent.By the way in the State of MN they have mistakenly gone after individuals including garnishing wages of individuals whose name they found was similar to the name of the person they were after but the innocent person's wages were garnished and they almost lost their job over this - but LVNV continued with their harassment of innocent people in MN - so you may think they are legitimate they are not . They have gone after older people an innocent people many times across the United States. It's about time someone stands up and says no more. I need a place to live and LVNV and Resurgent are doing everything they can to make that not possible. I've even told apartments that I have family members that are willing to pay 2-months payments but because of LVNV and Resurgents' misinformation - that is what they look at not anything else.
Regards,
*** ***
RE: *** ***; Case/File No*** Reference Number: ***
Dear MsR***: This letter is in response to the additional concerns submitted by Ms*** dated January 9, 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. Resurgent has received and reviewed Ms***’ January 9, disputeOur records indicate that we have already received and responded to a previous inquiry dated December 27, which is substantially the same as her January 9, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. Our previous response to Ms***’ inquiry provided her with verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, our previous response provided Ms. *** with a copy of the notice that was sent on or about March 17, by our third-party servicer regarding this accountUnless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888***. Sincerely,
Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.July 23, 2015 *** ** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** *** Case/File No
*** Previous Creditor: *** *** *** ** *** *** Original Creditor: *** *** *** *** *** *** ** *** *** ***”) Current Owner: LVNV Funding LLC Account Number: *** (original Account Number ***) Reference Number: *** Current Balance: $5,751.43 Dear *** *** This letter is in response to your correspondence dated July 20, 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 June 7, 2013. As of the date of this communication, the account balance is $5,Please review the following account information: This account originated on March 30, with *** *** Services, Inc. This account charged off on January 30, with a balance of $3,954.82. The last payment in the amount of $was received on February 3, 2012. No payments have been received on this account since Resurgent started servicing it in June 2013. The Application for Loan and Loan Agreement and Disclosure Statement are enclosed for reference. All ownership rights were transferred to LVNV when this account was purchased from the previous creditorThose include the right to collect and report to the consumer reporting agencies (also known as “credit bureaus”)Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNVThe original creditor may also continue to report the history of this account from the origination date to the time of sale. In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Resurgent received the multiple electronic disputes that *** *** submitted through the consumer reporting agenciesResurgent responded to each one in the adequate time by providing the corresponding information to the respective consumer reporting agencies. The enclosed validation of debt was mailed to *** *** on or about June 20, in compliance with the Fair Debt Collection Practices Act (“FDCPA”). A judgment was obtained May 14, in the Court of General Sessions, County of ***, State of ***, with case number ***Our records indicate that *** *** was served the summons and complaint on May 2, Enclosed is a copy of the judgment for *** *** review. This is the only judgment Resurgent has record of, and this judgment has not been satisfiedWe are not the source of public record information reported by consumer reporting agenciesIf *** *** wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct your dispute or challenge to the source of the information. If, after review of the above-referenced information, *** *** believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit, in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If 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 complaint. In addition, if *** *** has any correspondence to/from *** *** Services, Inc., ***, and/or *** *** *** ** *** *** concerning his dispute, it may help with our investigation, so please have him forward it to: Compliance Department or Fax: *** ** *** *** *** *** Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services LP. Enclosures
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $661.90 Dear Ms***: This
letter is in response to your correspondence received October 25, regarding the above-referenced accountLVNV Funding LLC ("LVNV ") owns the account number ending in ***, having acquired it on December 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 April 15, with *** *** Bank, N.A(“*** ***”). This account charged off on November 27, with a balance of $661.90. No payments have been received on this account since Resurgent started servicing it in December 2015. Enclosed are bill statements, terms and conditions, and 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. Ms***’s inquiry dated October 25, is the first communication, written or otherwise, that Resurgent has received from Ms*** regarding the above-referenced accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. *** *** 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 May 20, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in February 2022. 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) ACCOUNT SUMMARY REPORT11/1/6:19:PMThis account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: *** *** Owner LVNV Funding LLCAddress: *** *** St Resurgent Reference # ***City: *** Original Creditor *** *** Bank, N.A.State: SC Account Number XXXXXXXXXXXX***Zip Code: 29520-Current Balance Due $661.90Historical Account InformationThe original creditor for this account was: *** *** Bank, N.A.The origination date with original creditor was: 04/15/2015The account charge-off date was: 11/27/2015The account charge-off amount was: $661.90The account was acquired on or about: 12/14/2015The account was acquired from: ***, LLCThe account balance at time of acquisition: $661.90This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
March 21, 2018 Cindy
R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Account Number: *** Original Creditor: *** Current Owner: LVNV Funding LLC Reference Number: *** Dear MsR***: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received March 16, 2018 regarding the above-referenced accountLVNV Funding LLC (“LVNV”) currently owns the account number ending in ***, having subsequently acquired it on September 27, 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 November 9, with *** and was opened with *** ***The last payment in the amount of $was received on April 6, The account charged off on August 23, with a balance of $No payments have been received on this account since it was acquired by LVNVThe current account balance is $118.09. 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 April 26, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in January 2024. The enclosed letter containing verification of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”) was mailed to Ms*** on October 27, Additionally, verification of debt was also provided to Ms*** on January 25, in response to her previous Consumer Financial Protection Bureau (“CFPB”) inquiry, case number ***The bill statements that were provided in our response are enclosed for your reference. 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)
RE: *** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: *** Current Balance: $568.68 Dear Ms***: This letter is
in response to your correspondence dated March 17, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on August 15, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on October 9, with *** *** Bank, N.A. The last payment in the amount of $was received on December 10, 2015. This account charged off on July 27, with a balance of $568.68. No payments have been received on this account since Resurgent started servicing it in August 2016. 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 LVNVOur records do not indicate that a request to delete the LVNV tradeline was submitted to any of the three major credit reporting agenciesPrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. Resurgent received the multiple electronic disputes that *** *** submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to their 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. The enclosed letters containing verification of debt and the validation notice were mailed to *** *** on September 13, in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed terms and conditions and bill statements as additional verification of debtThis account has been properly verified as required by the FDCPA. If, after reviewing the above-referenced information, *** *** believes this account is fraudulent, we ask that they 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 *** *** believes that this account was previously paid or satisfied in full, please advise them 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 their dispute, please forward it to: Compliance Department or Fax: 866-*** MS *** Attn: Compliance P.OBox *** Greenville, SC 29603 If *** *** has any further questions, comments or concerns, they may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: *** *** *** *** *** Previous Creditor: *** *** *** *** *** ** Original Creditor: *** *** *** *** Current Owner: LVNV Funding LLC Account Number: *** Reference Number* *** Dear Ms*** This
letter is in response to your correspondence dated March 18, 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 July 20, Please review the following account information: This account originated on September 30, with *** *** *** ***and was opened with *** *** *** *** This account charged off on June 30, with a balance of $681.60. The last payment in the amount of $was received on March 16, 2016. 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 as “disputed” 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. We have verified this account was settled in full on March 16, for $The status of the account was updated to “Settled in Full” on March 16, The account is considered resolved in our office, and *** *** should not be contacted by Resurgent or any affiliate companies regarding this account. In accordance with the *** *** *** *** (***), a request to update this account as “Account Paid in Full for less than the full balance” will be submitted to the three major consumer reporting agencies during the next reporting cycle. When *** *** contacted Resurgent on March 16, to pay the account, the representative he spoke with advised him our letter vendor is experiencing technical issues, and that it may be twenty-four hours before he received the faxed letter indicating the account had been paidAt 4:PM March 16, 2016, on or about the time the call between *** *** and the representative ended, the representative submitted a request to have the letter faxed*** *** called back to Resurgent on March 17, because he had not yet received the faxHe was transferred to a supervisor who ultimately requested a manual letter be faxed to *** *** indicating the account had been paidAt 5:PM March 17, 2016, a manual letter was faxed to *** *** indicating the account has been paidAdditionally, our records indicate the letter requested on March 16, was faxed to *** *** on March 18, Please find enclosed both lettersWe apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at *** Sincerely, ** *** Compliance Department Resurgent Capital Services L.P
May 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 Ms*** dated May 14, 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. Resurgent has received and reviewed Ms***’s May 14, disputeOur records indicate that we have already received and responded to a previous inquiry dated May 1, which is substantially the same as her May 14, disputeBecause her most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our previous response, If 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: 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
*** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 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: $679.48 Dear Ms***: This letter is in response to your correspondence received August 7, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on January 20, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNVAs of the date of this communication, the account balance is $Please review the following account information: This account originated on June 17, with *** ***, N.A(“*** ***”). This account charged off on February 14, with a balance of $679.48. No payments have been received on this account since Resurgent started servicing it in January 2017. 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 September 9, A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in June 2020. Verification of debt was provided to Ms*** on July 22, in response to her previous Consumer Financial Protection Bureau (“CFPB”) inquiryWe are providing the enclosed bill statements and account summary which were enclosed in our responseThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). If, after reviewing the above-referenced information, Ms*** believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms*** believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms*** has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint.
Regards,
*** *** I’m rejecting the response because there still trying
too make me pay for the bill and I’m on a credit counseling program and it’s suppose to be paying for these two accountsSo I still feel like they’re trying to get extra money
RE: *** ** ***; Case/File No*** Previous Creditor: ***, LLC Original Creditor: *** *** Bank, N.A. Current Owner: LVNV Funding LLC Account Number: *** Reference Number: ***
Dear Ms***: This letter is in response to your
correspondence dated February 8, regarding the above-referenced accountLVNV Funding LLC ("LVNV") owns the account number ending in ***, having acquired it on December 14, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. A lawsuit is currently pending on this account with case number *** in the District Court of Maryland for *** *** CountyAs this case is still pending, Resurgent is unable to respond to Ms***s allegations at this time. If Ms*** wishes to contact our third-party servicer handling this lawsuit, she may call ***If Ms*** has any questions or concerns after case number *** has been adjudicated, please contact Customer Service at ***
Sincerely, AJ*** Compliance Department Resurgent Capital Services L.P
Revdex.com,
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. Show me a signed contract and that you own this debt
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $588.82 Dear Ms. [redacted]: This letter is...
in response to your correspondence received October 25, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted] having acquired it on May 12, 2016. 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 $588.82. Please review the following account information: 1. This account originated on January 8, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. This account charged off on April 15, 2016 with a balance of $1,358.80. 3. The last payment in the amount of $384.99 was received on August 28, 2017. LVNV acquired all ownership rights in this account upon LVNV’s purchase of this account. Those 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 reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the LVNV tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is October 14, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in July 2022. Mr. [redacted] states that Resurgent violated the FDCPA because we did not respond to his inquiry (or request for validation) within 30 days. 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 timeframe. The 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 customer. Resurgent did stop collection efforts once we received Mr. [redacted]’s request, and did not resume those efforts until we provided him with a verification response. The enclosed letters providing verification of debt and validation were mailed to Mr. [redacted] on June 29, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements on file for this account. This account has been properly verified as required by the FDCPA. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr. [redacted] believes that this account was previously paid or satisfied in full, then please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)