Re: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: XXXXXXXXXXXX[redacted] Reference Number: [redacted] Amount Due at Charge-Off: $586.26 Interest Accrued Post...
Charge-Off: $0.00 Non-Interest Charges/Fees Post Charge-Off: $0.00 Amount of Payments Made Post Charge-Off: $0.00 Current Balance: $586.26 Dear Ms. [redacted]: This letter is in response to your correspondence dated September 16, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted], LLC on or about March 11, 2015. As of the date of this communication, the account balance is $586.26. Please review the following account information: 1. This account originated on May 16, 2014 with [redacted] Bank, N.A. 2. The last payment in the amount of $59.95 was received on July 11, 2014. 3. This account charged off on February 27, 2015 with a balance of $586.26. 4. No payments have been received on this account since Resurgent started servicing it in March 2015. 5. Enclosed are the terms and conditions, bill statements and an account summary on file for this account. We note that the bill statements show a history of purchases and payments on this account, and that the address on the bill statements is the same address Mr. [redacted] provides as his address in his Revdex.com inquiry. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. 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. Mr. [redacted] states that Resurgent did not respond to his [redacted] (“[redacted]”) inquiry within 30 days. Please be advised, Resurgent has the option to request additional time to investigate a CFPB inquiry which provides Resurgent 60 days from receipt of the inquiry to respond. We apologize for any inconvenience Mr. [redacted] may have experienced. Additionally, Mr. [redacted] states in his Revdex.com inquiry that he “contacted this company and requested a signed contract or agreement with this company between them and myself and they refuse to provide one.” Our records indicate that the first communication, written or otherwise, that Resurgent has received from Mr. [redacted] was his [redacted] inquiry received on August 3, 2016. [redacted] state regulations require us to inform Mr. [redacted] that he has the right to request substantiation of this debt. His request for substantiation must be in writing, and must include the Reference Number provided above and a clear statement that he is requesting substantiation of the debt. He may submit his written request by mail to: Resurgent Capital Services L.P., P.O. Box [redacted], MS [redacted], SC 29603. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866-[redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC [redacted] If you have any further questions, comments or concerns, please contact Customer Service at 1-888[redacted]. Sincerely,
T. Howell Complaint Department Resurgent Capital Services L.P. Enclosures
February 14, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number(s): [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 5, 2018 regarding the above-referenced accounts. LVNV Funding LLC ("LVNV") owns the two referenced accounts. Resurgent Capital Services LP ("Resurgent") is the servicer of these LVNV owned accounts. 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. The first account, account number [redacted], reference number [redacted], originated on March 17, 2012 with [redacted], N.A. The account charged off on September 16, 2017 with a balance of $953.31. LVNV subsequently acquired the account on October 18, 2017. The last payment in the amount of $20.00 was received on January 5, 2018. The current account balance is $873.31. Enclosed are bill statements and an account summary that includes additional account information. The second account, account number [redacted], reference number [redacted], originated on November 13, 2014 with [redacted], N.A. The account charged off on September 12, 2017 with a balance of $953.42. LVNV subsequently acquired the account on October 18, 2017. The last payment in the amount of $22.00 was received on January 5, 2018. The current account balance is $865.42. Enclosed are bill statements and an account summary that includes additional account information. LVNV acquired all ownership rights in these accounts upon LVNV’s purchase of these accounts. Those rights include, but are not limited to, the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) should the accounts be eligible for credit reporting. Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV. Mr. [redacted]’ inquiry dated February 5, 2018 is the first communication, written or otherwise, that Resurgent has received from him regarding the above-referenced accounts. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for these accounts to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. [redacted], N.A. charged off these debts and sold these accounts. “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. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. These accounts have been placed with one or more of these third-party servicers since they were acquired by LVNV. Any notification requirements for these accounts would have been met by these servicers. Resurgent has submitted a request to the original creditor investigating Mr. [redacted]’ claim that these accounts should not have been charged-off due to Mr. [redacted]’ credit counseling program. If, upon hearing back from the original creditor, we learn anything to substantiate Mr. [redacted]’ claim(s), we will take any necessary steps to resolve this account. If Mr. [redacted] has documentation to support his claim, we ask that he forward it to the address below. 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, L. R[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
LVNV Funding has failed to produce any substantial proof that I owe this Alleged " debt" from [redacted] Bank. I have asked for validation of this debt several times and have yet to receive any concrete proof that states this is my debt, other than the amount of the debt ,which is $430.37 and...
the alleged original creditor, [redacted] Bank. As a consumer, I am aware of my rights, in which, LVNV has violated the FDCPA by not providing me with substantial proof of this debt. I am asking that this account be removed from all three credit bureaus permanently.
August 8, 2017 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] dated July 31, 2017 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent has received and reviewed Ms. [redacted]’s July 31, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated July 21, 2017 which is substantially the same as her July 31, 2017 dispute. Because 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 response to Ms. [redacted]’s previous inquiry provided her with verification of debt. This account has been properly verified as required by the Fair Debt Collection Practices Act. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
RE: [redacted]; Case/File No. 12393577 Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $639.04 Dear Ms. [redacted]: This letter is...
in response to your correspondence received September 19, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on February 17, 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 $639.04. Please review the following account information: 1. This account originated on March 30, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $25.00 was received on June 4, 2015. 3. This account charged off on January 5, 2016 with a balance of $639.04. 4. No payments have been received on this account since Resurgent started servicing it in February 2016. 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 Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the 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. Credit One 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 July 3, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in April 2022. The enclosed letter containing verification of debt was mailed to Ms. [redacted] on November 1, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements, terms and conditions, and an account summary on file for this account. This account has been properly verified as required by the FDCPA. Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on June 27, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely,
[redacted]ackson Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT9/22/2017 12:06:53 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: [redacted] Owner LVNV Funding LLCAddress: [redacted] Blvd Apt * Reference # [redacted]City: Sacramento Original Creditor [redacted] Bank, N.A.State: CA Account Number XXXXXXXXXXXX[redacted]Zip Code: 95838-4038 Current Balance Due $639.04Date of Last Payment 06/04/2015Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 03/30/2014The charge-off creditor for this account was: [redacted] Bank, N.A.The address of the charge-off creditor was: P.O. Box [redacted] [redacted], NV 89193The account charge-off date was: 01/05/2016The account charge-off amount was: $639.04The account was acquired on or about: 02/17/2016The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $639.04The borrower's address from charge-off [redacted] BLVD APT * creditor's records: [redacted], CA 95838-4038This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 2ACCOUNT SUMMARY REPORT9/22/2017 12:06:53 PMOwnership HistoryDate Of Transfer Owner/Creditor Name Owner/Creditor Address02/17/2016 [redacted] Bank, N.A. P.O. Box [redacted] [redacted], NV 8919302/17/2016 [redacted], LLC P.O. Box [redacted] [redacted], NV 89193-887302/17/2016 [redacted] Originator III LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LP02/17/2016 [redacted] Originator LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LPLVNV Funding LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LPPage 2 of 2
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
I do not accept the debt collector's response to my complaint as the information they are providing at this point...
comes too little too late. Under Texas Finance Code they had up to 30 days to respond to my request for validation. They did not respond within the specified time frame, and there is no evidence to prove their claim. As a result of their negligence, I have suffered substantial actual damages. I am respectfully requesting this information be removed from my credit reports. I have made every effort to resolve this matter outside of presenting this case to a courtroom jury in my community.
Regards,
[redacted]
November 9, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 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: $825.07 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 3, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 14, 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 $825.07. Please review the following account information: 1. This account originated on September 22, 2015 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $30.00 was received on October 19, 2015. 3. This account charged off on May 29, 2016 with a balance of $825.07. 4. No payments have been received on this account since Resurgent started servicing it in June 2016. 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 electronic dispute that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the 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. Credit One 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 November 27, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in August 2022. The enclosed letter containing verification of debt was mailed to Ms. [redacted] on March 14, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account. This account has been properly verified as required by the FDCPA. Our records indicate that Ms. [redacted] called into our office on November 3, 2017 inquiring about settling the account. If Ms. [redacted] would like to discuss settlement arrangements, she may contact Customer Service at the number below. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. All accounts that are eligible for reporting are reported accurately to the three major consumer reporting agencies. If Ms. [redacted] pays the account, the LVNV tradeline would be updated to reflect that the account has been paid. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
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] Dear Ms. [redacted]: This letter is in response to your...
correspondence dated March 8, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 10, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. We have investigated this matter and verified the account was paid prior to LVNV’s acquisition. Resurgent has closed the account, and a request to delete the LVNV tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 10 to 15 days for these updates to occur. We apologize for any inconvenience Mr. [redacted] may have experienced. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
This response is being rejected as I am not liable for the alleged debt. Collection company has not furnished a...
signed contract that I have any agreement or taking any responsibility of the alleged debt with there company. This company has not provided proof that they are licensed to collect in the state of Florida for any debts. Per Florida Office of Financial Regulations they do not have a license to collect any debt in the state of Florida on in Las Vegas Nevada and South Carolina. Per FCRA they must furnish and validate the alleged debt with a signed legally bounded contract.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
First of all, my complaint was that [redacted] Funding never responded to my request for validation. And there is...
no evidence they did. According to the Texas Finance Code they have 30 days to respond or cease collection activity. At this point they have already violated state and federal rules for collection practices. I am respectfully requesting LVNV Funding submit deletion request to credit bureaus in this case. I am making every effort to resolve this matter without presenting my case before a courtroom jury.
Regards,
[redacted]
January 29, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] received January 22, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent has received and reviewed Ms. [redacted]’ January 22, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry, dated January 11, 2018, which is substantially the same as her January 22, 2018 dispute. Because 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 stated in our previous response, Resurgent responded to Ms. [redacted]’ October 25, 2017 correspondence providing her with verification of debt on November 6, 2017, which was within thirty (30) days of receipt of Ms. [redacted]’ correspondence. This account has been properly verified as required by the Fair Debt Collection Practices Act and applicable local and state requirements. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], and have determined that this does not resolve my complaint.
[redacted] [redacted] [redacted]
Regards,
[redacted]
I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with LVNV FUNDING LLC
November 13, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 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: $1,182.40 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 7, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on September 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 $1,182.40. Please review the following account information: 1. This account originated on August 15, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $37.24 was received on January 17, 2016. 3. This account charged off on August 22, 2016 with a balance of $1,024.36. 4. No payments have been received on this account since Resurgent started servicing it in September 2016. 5. Enclosed are bill statements and the terms and conditions on file for this account. Please note that the bill statements include statements for the account numbers ending in [redacted] and [redacted]. The March 21, 2015 bill statement indicates the account balance was transferred from the account ending in [redacted] to the account ending in [redacted]. 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 February 21, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in November 2022. A judgment was obtained in the Commonwealth of Pennsylvania, County of [redacted] with case number [redacted]2017. Our records indicate that Mr. [redacted] was properly served the summons and complaint. Enclosed is a copy of the judgment for your review. We are not the source of public record information reported by consumer reporting agencies. If Mr. [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct his dispute or challenge to that source. Please be advised that as of the date of this communication, the current balance of $1,182.40 includes $104.50 in judgment costs, $38.29 in post-judgement interest, and $15.25 in court fees. Resurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the account, we found no evidence of mishandlings alleged in Mr. [redacted]’s inquiry. We listened to the call recording between Mr. [redacted] and our third-party servicer and respectfully disagree with Mr. [redacted]’s assertion that the call was threatening. We apologize for any inconvenience. Mr. [redacted]’s November 7, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. We hope our response addresses Mr. [redacted]’s concerns. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
I'm here because LVNV FUNDING LLC states that I owed them $155.93. [redacted] Bank account was referred to LVNV Funding LLC . Original creditor- [redacted] Bank - [redacted]. I set up an account with [redacted] who has merged to Money Management...
International. [redacted] is a division of [redacted] Int'l is full service credit counseling agency which teaches consumers like myself how to manage my money better. I also have a dispute with EQUIFAX and couldn't get anything resolved in the past. I consolidated this debt back in 2013 with [redacted] and [redacted] Bank was one of my creditors listed. My account number with [redacted] International is Client [redacted]-**. Phone number is 1-800-[redacted]. The enclosed document will show my account with [redacted] Bank/ LVNV Funding LLC is paid in full. I have been going back and forth for two years trying to remove this from my credit report. This factor has been contributing to a bad credit rating that has effected my credit score. I'm trying to improve my financial life.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12213508, and find that this resolution is satisfactory to me.
Regards,
Nichole Nettles
Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM July 7, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted]...
[redacted] [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated July 5, 2016 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. As advised in our previous response, the letter was mailed to the address provided by [redacted] in his Revdex.com inquiry. We regret that the letter was not received and any inconvenience experienced as a result. Currently, the LVNV tradeline is reporting as “Account Paid in Full for Less than the Full Balance”. We found no evidence that [redacted] was advised if he paid the account that it would not report accurately as a paid collection account. However, as a courtesy, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies (also known as “credit bureaus”) during the next reporting cycle. Please allow 30 to 45 days for this update to occur. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. There is no contract between me and the LVNV Funding LLC that binds me to pay them. As I hold no contract with...
LVNV Funding LCC, they have provided insufficient evidence. I request the following items: My signature on a contract that binds me to pay this debt.Any and all signed receipts for every $ of charges made.Profit/loss write off from the original creditor.
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 5, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Resurgent has received and reviewed Mr. [redacted]’s February 5, 2018 dispute. Our records indicate that we have already received and responded to four previous inquiries submitted through the Revdex.com and the Consumer Financial Protection Bureau which are substantially the same as his February 5, 2018 dispute. Because 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. Verification of debt as required by the Fair Debt Collection Practices Act (“FDCPA”) has been provided to Mr. [redacted] in our previous responses to his inquiries. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Mr. [redacted] would like further clarification, we encourage him to contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com,
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Re: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: XXXXXXXXXXXX[redacted] Reference Number: [redacted] Amount Due at Charge-Off: $586.26 Interest Accrued Post...
Charge-Off: $0.00 Non-Interest Charges/Fees Post Charge-Off: $0.00 Amount of Payments Made Post Charge-Off: $0.00 Current Balance: $586.26 Dear Ms. [redacted]: This letter is in response to your correspondence dated September 16, 2016 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously sold by [redacted], LLC on or about March 11, 2015. As of the date of this communication, the account balance is $586.26. Please review the following account information: 1. This account originated on May 16, 2014 with [redacted] Bank, N.A. 2. The last payment in the amount of $59.95 was received on July 11, 2014. 3. This account charged off on February 27, 2015 with a balance of $586.26. 4. No payments have been received on this account since Resurgent started servicing it in March 2015. 5. Enclosed are the terms and conditions, bill statements and an account summary on file for this account. We note that the bill statements show a history of purchases and payments on this account, and that the address on the bill statements is the same address Mr. [redacted] provides as his address in his Revdex.com inquiry. All ownership rights in this account were transferred to LVNV when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of LVNV. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. 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. Mr. [redacted] states that Resurgent did not respond to his [redacted] (“[redacted]”) inquiry within 30 days. Please be advised, Resurgent has the option to request additional time to investigate a CFPB inquiry which provides Resurgent 60 days from receipt of the inquiry to respond. We apologize for any inconvenience Mr. [redacted] may have experienced. Additionally, Mr. [redacted] states in his Revdex.com inquiry that he “contacted this company and requested a signed contract or agreement with this company between them and myself and they refuse to provide one.” Our records indicate that the first communication, written or otherwise, that Resurgent has received from Mr. [redacted] was his [redacted] inquiry received on August 3, 2016. [redacted] state regulations require us to inform Mr. [redacted] that he has the right to request substantiation of this debt. His request for substantiation must be in writing, and must include the Reference Number provided above and a clear statement that he is requesting substantiation of the debt. He may submit his written request by mail to: Resurgent Capital Services L.P., P.O. Box [redacted], MS [redacted], SC 29603. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866-[redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC [redacted] If you have any further questions, comments or concerns, please contact Customer Service at 1-888[redacted]. Sincerely,
T. Howell Complaint Department Resurgent Capital Services L.P. Enclosures
February 14, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number(s): [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 5, 2018 regarding the above-referenced accounts. LVNV Funding LLC ("LVNV") owns the two referenced accounts. Resurgent Capital Services LP ("Resurgent") is the servicer of these LVNV owned accounts. 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. The first account, account number [redacted], reference number [redacted], originated on March 17, 2012 with [redacted], N.A. The account charged off on September 16, 2017 with a balance of $953.31. LVNV subsequently acquired the account on October 18, 2017. The last payment in the amount of $20.00 was received on January 5, 2018. The current account balance is $873.31. Enclosed are bill statements and an account summary that includes additional account information. The second account, account number [redacted], reference number [redacted], originated on November 13, 2014 with [redacted], N.A. The account charged off on September 12, 2017 with a balance of $953.42. LVNV subsequently acquired the account on October 18, 2017. The last payment in the amount of $22.00 was received on January 5, 2018. The current account balance is $865.42. Enclosed are bill statements and an account summary that includes additional account information. LVNV acquired all ownership rights in these accounts upon LVNV’s purchase of these accounts. Those rights include, but are not limited to, the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) should the accounts be eligible for credit reporting. Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of LVNV. Mr. [redacted]’ inquiry dated February 5, 2018 is the first communication, written or otherwise, that Resurgent has received from him regarding the above-referenced accounts. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline for these accounts to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. [redacted], N.A. charged off these debts and sold these accounts. “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. Resurgent, as servicer for LVNV, utilizes third-party servicers to service accounts on its behalf. These accounts have been placed with one or more of these third-party servicers since they were acquired by LVNV. Any notification requirements for these accounts would have been met by these servicers. Resurgent has submitted a request to the original creditor investigating Mr. [redacted]’ claim that these accounts should not have been charged-off due to Mr. [redacted]’ credit counseling program. If, upon hearing back from the original creditor, we learn anything to substantiate Mr. [redacted]’ claim(s), we will take any necessary steps to resolve this account. If Mr. [redacted] has documentation to support his claim, we ask that he forward it to the address below. 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, L. R[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
LVNV Funding has failed to produce any substantial proof that I owe this Alleged " debt" from [redacted] Bank. I have asked for validation of this debt several times and have yet to receive any concrete proof that states this is my debt, other than the amount of the debt ,which is $430.37 and...
the alleged original creditor, [redacted] Bank. As a consumer, I am aware of my rights, in which, LVNV has violated the FDCPA by not providing me with substantial proof of this debt. I am asking that this account be removed from all three credit bureaus permanently.
August 8, 2017 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] dated July 31, 2017 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent has received and reviewed Ms. [redacted]’s July 31, 2017 dispute. Our records indicate that we have already received and responded to a previous inquiry dated July 21, 2017 which is substantially the same as her July 31, 2017 dispute. Because 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 response to Ms. [redacted]’s previous inquiry provided her with verification of debt. This account has been properly verified as required by the Fair Debt Collection Practices Act. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
RE: [redacted]; Case/File No. 12393577 Previous Creditor: [redacted], LLC Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $639.04 Dear Ms. [redacted]: This letter is...
in response to your correspondence received September 19, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on February 17, 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 $639.04. Please review the following account information: 1. This account originated on March 30, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $25.00 was received on June 4, 2015. 3. This account charged off on January 5, 2016 with a balance of $639.04. 4. No payments have been received on this account since Resurgent started servicing it in February 2016. 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 Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the 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. Credit One 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 July 3, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in April 2022. The enclosed letter containing verification of debt was mailed to Ms. [redacted] on November 1, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements, terms and conditions, and an account summary on file for this account. This account has been properly verified as required by the FDCPA. Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on June 27, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely,
[redacted]ackson Compliance Department Resurgent Capital Services L.P. Enclosure(s) ACCOUNT SUMMARY REPORT9/22/2017 12:06:53 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: [redacted] Owner LVNV Funding LLCAddress: [redacted] Blvd Apt * Reference # [redacted]City: Sacramento Original Creditor [redacted] Bank, N.A.State: CA Account Number XXXXXXXXXXXX[redacted]Zip Code: 95838-4038 Current Balance Due $639.04Date of Last Payment 06/04/2015Historical Account InformationThe original creditor for this account was: [redacted] Bank, N.A.The origination date with original creditor was: 03/30/2014The charge-off creditor for this account was: [redacted] Bank, N.A.The address of the charge-off creditor was: P.O. Box [redacted] [redacted], NV 89193The account charge-off date was: 01/05/2016The account charge-off amount was: $639.04The account was acquired on or about: 02/17/2016The account was acquired from: [redacted], LLCThe account balance at time of acquisition: $639.04The borrower's address from charge-off [redacted] BLVD APT * creditor's records: [redacted], CA 95838-4038This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 2ACCOUNT SUMMARY REPORT9/22/2017 12:06:53 PMOwnership HistoryDate Of Transfer Owner/Creditor Name Owner/Creditor Address02/17/2016 [redacted] Bank, N.A. P.O. Box [redacted] [redacted], NV 8919302/17/2016 [redacted], LLC P.O. Box [redacted] [redacted], NV 89193-887302/17/2016 [redacted] Originator III LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LP02/17/2016 [redacted] Originator LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LPLVNV Funding LLC P.O. Box [redacted] C/O Resurgent Capital Services Greenville, SC 29603LPPage 2 of 2
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
I do not accept the debt collector's response to my complaint as the information they are providing at this point...
comes too little too late. Under Texas Finance Code they had up to 30 days to respond to my request for validation. They did not respond within the specified time frame, and there is no evidence to prove their claim. As a result of their negligence, I have suffered substantial actual damages. I am respectfully requesting this information be removed from my credit reports. I have made every effort to resolve this matter outside of presenting this case to a courtroom jury in my community.
Regards,
[redacted]
November 9, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 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: $825.07 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 3, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on June 14, 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 $825.07. Please review the following account information: 1. This account originated on September 22, 2015 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $30.00 was received on October 19, 2015. 3. This account charged off on May 29, 2016 with a balance of $825.07. 4. No payments have been received on this account since Resurgent started servicing it in June 2016. 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 electronic dispute that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the 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. Credit One 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 November 27, 2015. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in August 2022. The enclosed letter containing verification of debt was mailed to Ms. [redacted] on March 14, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed bill statements and terms and conditions on file for this account. This account has been properly verified as required by the FDCPA. Our records indicate that Ms. [redacted] called into our office on November 3, 2017 inquiring about settling the account. If Ms. [redacted] would like to discuss settlement arrangements, she may contact Customer Service at the number below. Please be advised that Resurgent does not accept payment in exchange for tradeline deletion. All accounts that are eligible for reporting are reported accurately to the three major consumer reporting agencies. If Ms. [redacted] pays the account, the LVNV tradeline would be updated to reflect that the account has been paid. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
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] Dear Ms. [redacted]: This letter is in response to your...
correspondence dated March 8, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on April 10, 2015. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. We have investigated this matter and verified the account was paid prior to LVNV’s acquisition. Resurgent has closed the account, and a request to delete the LVNV tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 10 to 15 days for these updates to occur. We apologize for any inconvenience Mr. [redacted] may have experienced. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
This response is being rejected as I am not liable for the alleged debt. Collection company has not furnished a...
signed contract that I have any agreement or taking any responsibility of the alleged debt with there company. This company has not provided proof that they are licensed to collect in the state of Florida for any debts. Per Florida Office of Financial Regulations they do not have a license to collect any debt in the state of Florida on in Las Vegas Nevada and South Carolina. Per FCRA they must furnish and validate the alleged debt with a signed legally bounded contract.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
First of all, my complaint was that [redacted] Funding never responded to my request for validation. And there is...
no evidence they did. According to the Texas Finance Code they have 30 days to respond or cease collection activity. At this point they have already violated state and federal rules for collection practices. I am respectfully requesting LVNV Funding submit deletion request to credit bureaus in this case. I am making every effort to resolve this matter without presenting my case before a courtroom jury.
Regards,
[redacted]
January 29, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Ms. [redacted] received January 22, 2018 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Resurgent has received and reviewed Ms. [redacted]’ January 22, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry, dated January 11, 2018, which is substantially the same as her January 22, 2018 dispute. Because 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 stated in our previous response, Resurgent responded to Ms. [redacted]’ October 25, 2017 correspondence providing her with verification of debt on November 6, 2017, which was within thirty (30) days of receipt of Ms. [redacted]’ correspondence. This account has been properly verified as required by the Fair Debt Collection Practices Act and applicable local and state requirements. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], and have determined that this does not resolve my complaint.
[redacted] [redacted] [redacted]
Regards,
[redacted]
I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with LVNV FUNDING LLC
November 13, 2017 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 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: $1,182.40 Dear Ms. R[redacted]: This letter is in response to your correspondence received November 7, 2017 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted], having acquired it on September 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 $1,182.40. Please review the following account information: 1. This account originated on August 15, 2014 with [redacted] Bank, N.A. (“[redacted]”). 2. The last payment in the amount of $37.24 was received on January 17, 2016. 3. This account charged off on August 22, 2016 with a balance of $1,024.36. 4. No payments have been received on this account since Resurgent started servicing it in September 2016. 5. Enclosed are bill statements and the terms and conditions on file for this account. Please note that the bill statements include statements for the account numbers ending in [redacted] and [redacted]. The March 21, 2015 bill statement indicates the account balance was transferred from the account ending in [redacted] to the account ending in [redacted]. 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 February 21, 2016. A request to delete the LVNV tradeline will be submitted to the consumer reporting agencies in November 2022. A judgment was obtained in the Commonwealth of Pennsylvania, County of [redacted] with case number [redacted]2017. Our records indicate that Mr. [redacted] was properly served the summons and complaint. Enclosed is a copy of the judgment for your review. We are not the source of public record information reported by consumer reporting agencies. If Mr. [redacted] wishes to dispute or challenge public record entries, we recommend that he contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that information, and then direct his dispute or challenge to that source. Please be advised that as of the date of this communication, the current balance of $1,182.40 includes $104.50 in judgment costs, $38.29 in post-judgement interest, and $15.25 in court fees. Resurgent does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the account, we found no evidence of mishandlings alleged in Mr. [redacted]’s inquiry. We listened to the call recording between Mr. [redacted] and our third-party servicer and respectfully disagree with Mr. [redacted]’s assertion that the call was threatening. We apologize for any inconvenience. Mr. [redacted]’s November 7, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with him. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer. We hope our response addresses Mr. [redacted]’s concerns. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
I'm here because LVNV FUNDING LLC states that I owed them $155.93. [redacted] Bank account was referred to LVNV Funding LLC . Original creditor- [redacted] Bank - [redacted]. I set up an account with [redacted] who has merged to Money Management...
International. [redacted] is a division of [redacted] Int'l is full service credit counseling agency which teaches consumers like myself how to manage my money better. I also have a dispute with EQUIFAX and couldn't get anything resolved in the past. I consolidated this debt back in 2013 with [redacted] and [redacted] Bank was one of my creditors listed. My account number with [redacted] International is Client [redacted]-**. Phone number is 1-800-[redacted]. The enclosed document will show my account with [redacted] Bank/ LVNV Funding LLC is paid in full. I have been going back and forth for two years trying to remove this from my credit report. This factor has been contributing to a bad credit rating that has effected my credit score. I'm trying to improve my financial life.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12213508, and find that this resolution is satisfactory to me.
Regards,
Nichole Nettles
Hours of Operation Monday-Thursday 8:00AM-7:00PM Friday 8:00AM-5:00PM July 7, 2016 [redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 [redacted]...
[redacted] [redacted] Dear [redacted] This letter is in response to the additional concerns submitted by [redacted] dated July 5, 2016 regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. As advised in our previous response, the letter was mailed to the address provided by [redacted] in his Revdex.com inquiry. We regret that the letter was not received and any inconvenience experienced as a result. Currently, the LVNV tradeline is reporting as “Account Paid in Full for Less than the Full Balance”. We found no evidence that [redacted] was advised if he paid the account that it would not report accurately as a paid collection account. However, as a courtesy, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies (also known as “credit bureaus”) during the next reporting cycle. Please allow 30 to 45 days for this update to occur. If you have any further questions, comments or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] Complaint Department Resurgent Capital Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. There is no contract between me and the LVNV Funding LLC that binds me to pay them. As I hold no contract with...
LVNV Funding LCC, they have provided insufficient evidence. I request the following items: My signature on a contract that binds me to pay this debt.Any and all signed receipts for every $ of charges made.Profit/loss write off from the original creditor.
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Bank, N.A. Current Owner: LVNV Funding LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 5, 2018 regarding the above-referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in [redacted]. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. Resurgent has received and reviewed Mr. [redacted]’s February 5, 2018 dispute. Our records indicate that we have already received and responded to four previous inquiries submitted through the Revdex.com and the Consumer Financial Protection Bureau which are substantially the same as his February 5, 2018 dispute. Because 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. Verification of debt as required by the Fair Debt Collection Practices Act (“FDCPA”) has been provided to Mr. [redacted] in our previous responses to his inquiries. Unless the information requested to resolve this account as fraudulent or paid is received, this account will continue to report as disputed until the permissible period for the credit reporting of this account has expired. If Mr. [redacted] would like further clarification, we encourage him to contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P.
Revdex.com,
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]