This business is not BBB accredited.

Resurgent Holdings LLC

Additional Locations

Phone: (864) 248-8700 Fax: (888) 467-0163 View Additional Phone Numbers 55 Beattie Pl Ste 110, Greenville, SC 29601 View Additional Email Addresses http://www.resurgent.com


BBB Business Reviews may not be reproduced for sales or promotional purposes.

Description

Resurgent Capital Services LP coordinates the collection of debt for creditors and debt buyers using a network of independently owned collection agencies and law firms. They have been hired by LVNV Funding to directly collect the outstanding funds or outsource the recovery of these debts.

LVNV purchases domestic and international consumer debt from credit grantors including banks, finance companies and other debt buyers. As the new owner of the complaints, LVNV may appear on a customer's credit or in a letter from a collection agency if the account is delinquent.


BBB Accreditation

On 8/17/2016 this business's accreditation in the BBB was revoked by the BBB's Board of Directors due to its failure to adhere to the BBB requirement that Accredited Businesses meet and abide by the following standards:

  • 1. Establish and maintain a positive track record in the marketplace.
  • 1D. Be free of an unsatisfactory rating and maintain at least a B rating at the accrediting BBB and the BBB where it is headquartered, if different.
  • 4. Openly identify the nature, location, and ownership of the business, and clearly disclose all policies, guarantees and procedures that bear on a customer's decision to buy.
  • 4A. Upon request, provide BBB with all information required to evaluate compliance with BBB standards. This may include, but is not limited to business name, address and contact information; names and background of principals; business and banking references; licensing and/or professional accreditation; and a complete description of the nature of the business.
  • 6. Address marketplace disputes quickly, professionally, and in good faith.
  • 6A. Promptly respond to all complaints forwarded by BBB by:
    1. Resolving the complaint directly with the complainant and notifying BBB, or
    2. Providing BBB with a response that BBB determines:
      • is professional,
      • addresses all of the issues raised by the complainant,
      • includes appropriate evidence and documents supporting the business' position, and
      • explains why any relief sought by the complainant cannot or should not be granted.

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • The business's BBB file information is being reviewed and/or updated.


Customer Complaints Summary Read complaint details

1685 complaints closed with BBB in last 3 years | 193 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 3
Billing/Collection Issues 1479
Delivery Issues 3
Guarantee/Warranty Issues 2
Problems with Product/Service 198
Total Closed Complaints 1685

Customer Reviews Summary Read customer reviews

1 Customer Review on Resurgent Holdings LLC
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 1

Additional Information

BBB file opened: April 27, 2000 Business started: 10/01/1998 in SC
Type of Entity

Limited Partnership (LP)

Business Management
Mr. Jake Jones , Sr. Compliance Director Mr. Daniel Mezzancello , Compliance Director Ms. Phyllis Wallace, Customer Service Manager
Contact Information
Principal: Mr. Jake Jones , Sr. Compliance Director
Principal: Mr. Daniel Mezzancello , Compliance Director
Business Category

Collection Agencies

Alternate Business Names
LVNV Funding Resurgent Capital Services LP
Industry Tips
Debt Collection

Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    55 Beattie Pl Ste 110

    Greenville, SC 29601

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 10497

    Greenville, SC 29603

X

BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

8/25/2016 Billing/Collection Issues
8/24/2016 Billing/Collection Issues
8/23/2016 Delivery Issues
8/22/2016 Problems with Product/Service
8/22/2016 Billing/Collection Issues
8/22/2016 Billing/Collection Issues
8/22/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: They are reporting incorrect details on my credit reports. Each credit report has different company names, addresses, and dates. Nothing matches up. I have filed several disputes with *******, *********** and ******** but the company keeps on validating the incorrect details. Then on June 7, 2016 I sent them a detailed letter asking for more information about the accounts, but they never responded.

Desired Settlement: Remote the incorrect information from my credit reports.

Business Response: RE: ****** ********** ********* *** ******** 
Original Creditor: **** **** ******* **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: ******* 

Dear *** ****** 

This letter is in response to your correspondence dated July 26, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account, having acquired it on January 28, 2014. 
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 $289.29. Please review the following account information: 

1. This account originated on May 9, 2006 with **** **** ******* **** and was opened with 
******* ***** 
2. This account charged off on November 30, 2010 with a balance of $99.59. 
3. No payments have been received on this account since Resurgent started servicing it in January 
2014. 
4. Bill statements and an account summary on file for this account are enclosed. 

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. 

Resurgent received the multiple electronic disputes that *** ********* 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. 

Resurgent did not respond to *** *********** letter dated June 7, 2016 due to the fact that his letter dated 
February 17, 2014 requested that we cease contact with him. Accordingly, this account was placed in a 
cease status, which resulted in no further contact, written or otherwise, from Resurgent. 

If, after reviewing the above-referenced information, *** ********* believes this account is fraudulent, we 
ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity 
theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: 
*************************************************************************** 

If *** ********* believes that this account was previously paid or satisfied in full, please advise him to 
provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if *** ********* has any correspondence to/from the previous creditors concerning his dispute, 
please forward it to: 

Complaint Department or Fax* ************ 
** *** ***** ********* ********** 
**** *** ***** 
*********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ******** 
********* ********** 
Resurgent Capital Services L.P. 

Enclosures 















ACCOUNT SUMMARY REPORT
8/2/2016 11:46:13 AM

This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It 
is not a credit card or other account statement from the original creditor.

Borrower Information Current Account Information

Name: ****** ********* Owner LVNV Funding LLC
Address: **** * ***** *** * *** ********* ********* * *********
City: ***** ****** ******** ******** **** **** ******* ****
State: ** Account Number XXXXXXXXXXXX****
*** ***** ********** Date of Last Payment 09/01/2010

Current Balance Summary

Owed Collected Balance

Principal $289.29 - $289.29

Total $289.29 - $289.29

**** The current balance due on this account is: $289.29 ****

Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary 
from day to day, authorized persons may contact us at 1************* to obtain up-to-date balance information.

Historical Account Information

The original creditor for this account was: **** **** ******* ****
The origination date with original creditor was: 05/09/2006
The account charge-off date was: 11/30/2010
The account charge-off amount was: $99.59
The account was acquired on or about: 01/28/2014
The account was acquired from: ******* *** **** ****** ****
The account balance at time of acquisition: $289.29

This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will 
be used for that purpose.

Consumer Response: Better Business Bureau:

I have reviewed the response made by Resurgent in reference to complaint ** ********, and find that this resolution is satisfactory to me.

Regards,

****** *********

8/19/2016 Billing/Collection Issues
8/18/2016 Billing/Collection Issues | Complaint Details Unavailable
8/15/2016 Billing/Collection Issues
8/15/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received letters from ***** ******** ********** ****** for 3 different debts who's current creditor is LVNV Funding LLC. All 3 debts are past the statute of limitation in my state of California, 4 years. I have already submitted a cease and desist against ***** ******** ********** ****** and now I'm taking measures against the current creditor, LVNV Funding LLC. I have never entered into a written or oral contract with LVNV Funding LLC regarding ANY debt(s).

Desired Settlement: Cease and desist all attempts to collect on these 3 debts due to the statute of limitation of 4 years in my state of California. Furthermore, remove any and all collections from your records and with all 3 credit bureaus so these debts no longer impact my credit negatively. I require the complete and full removal of these debts from my credit in 30 days.

Business Response: August 2, 2016 

***** ***** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


*** ****** ***** ********* *** ******** 
********* ******** ********** ********** ********* 

**** *** ****** 

This letter is in response to your correspondence dated July 27, 2016 regarding the above-referenced 
accounts. LVNV Funding LLC (“LVNV”) owns the three referenced accounts for *** ****. Resurgent 
Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the 
following account information: 

******* ******* **************** 
********* ******* ********* 
******** ********* ******* ******** ******* *********** 

1. This account originated on June 2, 2004 with ******* ******** ******* *********** and was opened 
with ***** ***** 
2. This account charged off on November 13, 2008 with a balance of $237.48. 
3. LVNV acquired this account on December 30, 2008. 
4. The last payment was received on April 8, 2008. 
5. No payments have been received on this account since Resurgent started servicing it in December 
2008. 
6. The current balance of this account is $1,595.67. 
7. Enclosed is an account summary on file for the account. 

******* ******* **************** 
********* ******* ********* 
******** ********* ********** ****** ***** ** 

1. This account originated on July 12, 2004 with ********** ****** ***** *** 
2. This account charged off on November 30, 2007. 
3. LVNV acquired this account on September 23, 2011. 
4. The last payment in the amount of $50.00 was received on December 7, 2007. 
5. No payments have been received on this account since Resurgent started servicing it in September 
2011. 
6. The current balance of this account is $4,695.13. 
7. Enclosed is an account summary on file for this account. 

******* ******* **************** 
********* ******* ********* 
******** ********* ******** ****** ******** **** 

1. This account originated on December 10, 2003 with ******** ****** ******** N.A. and was opened 
with ***** ******* ***** 
2. This account charged off on November 13, 2007. 
3. LVNV acquired the account on September 23, 2011. 
4. The last payment in the amount of $20.00 was received on December 13, 2007. 
5. No payments have been received on this account since Resurgent started servicing it in September 
2011. 
6. The current balance of this account is $959.07. 
7. Enclosed is an account summary on file for this account. 

All ownership rights in these accounts were transferred to LVNV when these accounts were purchased from 
the previous creditor(s). Those include the right to collect on the accounts and report to the consumer 
reporting agencies (also known as “credit bureaus”) in the event that the accounts are eligible for credit 
reporting. Currently, LVNV is not reporting the accounts to the major consumer reporting agencies. 

*** **** is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. 
However, the account balances are still collectible as expiration of the statute of limitations does not 
invalidate the obligation or his/her responsibility for the balances due on these accounts. 

*** ****** July 27, 2016 complaint contains language Resurgent has interpreted to mean that we cease 
communication with him. When a cease and desist request is received by our office, Resurgent places a 
restriction on the accounts so that no further written or verbal contact is made to our customer. 

If, after reviewing the above-referenced information, *** **** believes these accounts are fraudulent, we 
ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity 
theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: 
http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 

If *** **** believes that these accounts were previously paid or satisfied in full, please advise him to 
provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. 

In addition, if *** **** has any correspondence to/from the previous creditors concerning his dispute, 
please forward it to: 

********* ********** ** **** ************ 
** *** ***** ********* ********** 
**** *** ***** 
*********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service ** ********
***** 

Sincerely, 
** ******** 
********* ********** 
Resurgent Capital Services L.P. 

Enclosures 



ACCOUNT SUMMARY REPORT
8/2/2016 11:48:13 AM

This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It 
is not a credit card or other account statement from the original creditor.

Borrower Information Current Account Information

***** ****** **** ***** **** ****ing LLC
******** *** * ****** ** ********* ********* * *********
***** ****** ******** ******** ******* ******** ******* 
****** ** ***********
*** ***** ********** ******* ****** ****************
******** ***** ****
Date of Last Payment 04/08/2008

Current Balance Summary

Owed Collected Balance

Principal $726.87 - $726.87
Interest $868.80 - $868.80

Total $1,595.67 - $1,595.67

**** The current balance due on this account is: $1,595.67 ****

Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary 
from day to day, authorized persons may contact us at ************** to obtain up-to-date balance information.

Historical Account Information

The original creditor for this account was: ******* ******** ******* ***********
The origination date with original creditor was: 06/02/2004
The account charge-off date was: 11/13/2008
The account charge-off amount was: $237.48
The account was acquired on or about: 12/30/2008
The account was acquired from: ** ***** ****
The account balance at time of acquisition: $726.87

This 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 1
ACCOUNT SUMMARY REPORT
8/2/2016 11:48:13 AM

This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It 
is not a credit card or other account statement from the original creditor.

Borrower Information Current Account Information

***** ****** **** ***** **** ******* ***
******** *** * ****** ** ********* ********* * *********
***** ****** ******** ******** ********** ****** ***** **
****** ** ******* ****** ****************
Zip Code: 91786-3120 Date of Last Payment 12/07/2007

Current Balance Summary

Owed Collected Balance

Principal $3,312.75 - $3,312.75
Interest $1,382.38 - $1,382.38

Total $4,695.13 - $4,695.13

**** The current balance due on this account is: $4,695.13 ****

Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary 
from day to day, authorized persons may contact us at 1************* to obtain up-to-date balance information.

Historical Account Information

The original creditor for this account was: ********** ****** ***** **
The origination date with original creditor was: 07/12/2004
The account charge-off date was: 11/30/2007
The account was acquired on or about: 09/23/2011
The account was acquired from* ***** ********* ********* ***
The account balance at time of acquisition: $3,927.01

This 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 1
ACCOUNT SUMMARY REPORT
8/2/2016 11:48:14 AM

This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It 
is not a credit card or other account statement from the original creditor.

Borrower Information Current Account Information

***** ****** **** ***** **** ******* ***
******** *** * ****** ** ********* ********* * *********
***** ****** ******** ******** ******** ****** ******** ****
****** ** ******* ****** ****************
*** ***** ********** ******** ***** ******* ****
Date of Last Payment 12/13/2007

Current Balance Summary

Owed Collected Balance

Principal $762.95 - $762.95
Interest $196.12 - $196.12

Total $959.07 - $959.07

**** The current balance due on this account is: $959.07 ****

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 Information

The original creditor for this account was: ******** ****** ******** ****
The origination date with original creditor was: 12/10/2003
The account charge-off date was: 11/13/2007
The account was acquired on or about: 09/23/2011
The account was acquired from: ***** ********* ********* ***
The account balance at time of acquisition: $782.14

This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will 
be used for that purpose.Please see attached.

8/12/2016 Problems with Product/Service
8/10/2016 Billing/Collection Issues
8/8/2016 Billing/Collection Issues
8/1/2016 Billing/Collection Issues
7/27/2016 Billing/Collection Issues
7/22/2016 Billing/Collection Issues
7/20/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Company issued a suit against me for a credit one account that they cannot prove I owe. They showed a copy of a bill with my name but no social or other personl information

Desired Settlement: Drop the lawsuit and issue a closed account with prejudice so they can't sell this bogus claim

Business Response: July 11, 2016 

***** ***** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


*** **** ** ***** ********* *** ******** 
Original Creditor: ****** *** ***** **** 
Account Number: **************** 
Reference Number: ********* 

Dear *** ****** 

This letter is in response to your correspondence dated July 5, 2016, submitted by **** ** ***** The only 
account we were able to locate in the name of **** **** is the above referenced account. **** ****** 
account was acquired by LVNV Funding LLC (“LVNV”) on February 17, 2016, and subsequently sold to 
******* ******** *** on February 29, 2016. Resurgent was the servicer of this account when it was 
under LVNV ownership. For additional information, please contact ******* ******** *** ** ********
***** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ********** 
********** ********** 
Resurgent Capital Services L. P. 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ** ********* and have determined that this does not resolve my complaint. 

[The account is under my husband's name ****** * ****

Regards,

**** ****

7/18/2016 Billing/Collection Issues
7/15/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In March 2016 LVNV funding suddenly appeared on all three credit bureaus. I have no knowledge nor have I ever heard of them. LVNV never sent me a dunning notice.Furthermore the address they list on my credit report is not valid. I am requesting that they remove the tradeline from all three bureaus as well as send me a letter stating that the account would not be sold and my information will be deleted. If LVNV/resurgent refuses to do this I will file a complaint with the *** for their ***** violations. I am not disputing LVNV ownership of the account in question but rather their practices and ***** violations.

Desired Settlement: For LVNV resurgent to remove the negative trade lines on all three credit bureaus, send me a letter stating they will be removed and my information be deleted and not sold.

Business Response: Please see attached.

Business Response: Hours of Operation 
Monday-Thursday 8:00AM-7:00PM 
Friday 8:00AM-5:00PM 

July 7, 2016 

***** ***** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


*** ****** ****** ********* *** ******** 
********* ******* ********* 

Dear *** ****** 

This letter is in response to the additional concerns submitted by *** ***** 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 *** ***** in his BBB 
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 *** ***** 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 ********
***** 

Sincerely, 


** ******** 
Complaint Department 
Resurgent Capital Services L.P.

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint I* ********, and find that this resolution is satisfactory to me. 
Furthermore please convey my sincere appreciation for their understanding and good faith gesture. I appreciate it beyond words. 
Regards,

****** *****

7/14/2016 Billing/Collection Issues
7/13/2016 Billing/Collection Issues
7/8/2016 Billing/Collection Issues
7/7/2016 Billing/Collection Issues
7/6/2016 Billing/Collection Issues
7/5/2016 Billing/Collection Issues
7/5/2016 Billing/Collection Issues
6/30/2016 Billing/Collection Issues
6/30/2016 Billing/Collection Issues
6/24/2016 Billing/Collection Issues
6/24/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: unlaw tradeline on credit report... upon my credit report review this company is reporting a collection that i have no idea about it is my right to see if this company has a right to this debt by proving factors that i am the person that this debt belong too, any communications sent to me or phone calls made to verify they had the right person, purchase date of said bill and proof that connect me to this collection

Desired Settlement: deletion of tradeline on credit report because company has no identifying factors that they have the right person

Business Response: Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

Consumer Response: Better Business Bureau:

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,

******** ****


Hello I'm rejecting this because of key factors I do not live at the address listed yet I still do not know who this company is I understand that they have verification that they have rights to this debt but where is documented proof that they have verified that they have the right person or proof they have attempted to settle the debt with the person how do they have a right to have this trade line on my account when they have not successfully identified that they have the right person

Business Response:
Hours of Operation 
Monday-Thursday 8:00AM-7:00PM 
Friday 8:00AM-5:00PM 

June 8, 2016 

***** ***** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite 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 June 7, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** **C on or about April 12, 2016. As of the date of this communication, the account 
balance is $626.16. Please review the following account information: 

1. This account originated on October 31, 2014 with ****** *** ***** **** 
2. This account charged off on March 6, 2016 with a balance of $626.16. 
3. The last payment in the amount of $59.95 was received on July 10, 2015. 
4. No payments have been received on this account since Resurgent started servicing it in April 
2016. 

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. 

******** ****** complaint dated June 7, 2016 is the first communication, written or otherwise, that 
Resurgent has received from ******** **** regarding the above-referenced account. In accordance with 
the **** ****** ********* *** ******”), a request to update the LVNV tradeline for this account to 
“disputed” will be submitted to the three major consumer reporting agencies during the next reporting 
cycle. 



We are providing the enclosed terms and conditions, bill statements and account summary as verification 
of debt in accordance with the **** **** ********** ********* **** ******* *** *** ****** *******)), and 
applicable state and local requirements. Please note that the bill statements include statements from prior 
account numbers ***************** ***************** **************** and ****************, 
which were reported lost or stolen, until the balance from the account ending in **** was transferred onto 
the current account, ending in ****, on December 10, 2014. 

If, after reviewing the above-referenced information, Saniyyah Holt believes this account is fraudulent, 
we ask that he/she provide a completed police/incident report regarding the fraud or a notarized fraud or 
identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's 
website: *************************************************************************** 

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: 

Compliance Department or Fax: ************ 
** *** ***** ********** 
**** *** *****  *********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ********** 
Compliance Department 
Resurgent Capital Services L. P. 

Enclosures 



































ACCOUNT SUMMARY REPORT
6/8/2016 10:30:54 AM

This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It 
is not a credit card or other account statement from the original creditor.

Borrower Information Current Account Information

Name: ******** **** ***** **** ******* ***
Address: *** ********* *** ********* ********* * *********
City: ********** ******** ******** ****** *** ***** ****
State: ** ******* ****** ****************
Zip Code: ********** Date of Last Payment 07/10/2015

Current Balance Summary

Owed Collected Balance

Principal $626.16 - $626.16

Total $626.16 - $626.16

**** The current balance due on this account is: $626.16 ****

Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary 
from day to day, authorized persons may contact us at ************** to obtain up-to-date balance information.

Historical Account Information

The original creditor for this account was: ****** *** ***** ****
The origination date with original creditor was: 10/31/2014
The account charge-off date was: 03/06/2016
The account charge-off amount was: $626.16
The account was acquired on or about: 04/12/2016
The account was acquired from: ***** ***
The account balance at time of acquisition: $626.16

This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will 
be used for that purpose.

6/22/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In the process of purchasing a car, I discovered an collections account on my credit bureau that I had never been made aware of from LVNV funding for $732 I had never previously received a letter from them about any kind of debt or collections attemt. I tried to contact LVNV to ask if they could provide me proof of the debt and that if in fact I owed it, I would pay it, but I only get voicemails no actual person. I've been working with ********* *** as well and they have send out letter asking for validation of the debt and I have yet to receive a single letter of proof. I will not pay a debt I do not recall without proof. As such I'd like a deletion letter sent to the credit bureaus and for LVNV to delete whatever supposed records they have of me. Also, I would like to advise LVNV/Resurgent that they may reach me by mail if they can provide me proof of debt in the form of an original contract, payment history, or cancelled check to prove it was in fact my debt.

Desired Settlement: Immediate deletion of this record send to all three bureaus and no further contact from this company.

Business Response:







55 Beattie Place, Suite 110 MS 250 Toll Free Phone 1-888-665-0374 
Greenville, SC 29601 Toll Free Fax 1-866-467-0163 

Hours of Operation 
Monday-Thursday 8:00AM-7:00PM 
Friday 8:00AM-5:00PM 

June 13, 2016 

***** ***** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ********* ****** ********* *** ******** 
Previous Creditor: ***** *** 
Original Creditor: C***** *** ***** ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $732.58 

Dear *** ****** 

This letter is in response to your correspondence dated June 9, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** *** on or about April 10, 2015. As of the date of this communication, the account 
balance is $732.58. Please review the following account information: 

1. This account originated on October 18, 2013 with ****** *** ***** **** 
2. This account charged off on March 25, 2015 with a balance of $732.58. 
3. The last payment in the amount of $25.00 was received on August 21, 2014. 
4. No payments have been received on this account since Resurgent started servicing it in April 
2015. 
5. The terms and conditions and bill statements on file for the account are enclosed for your review. 
Please note that bill statements from the previous account number are also included. The bill 
statement dated February 25, 2014 to March 24, 2014 includes a balance transfer from the 
previous account number 4**************** 

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. 



Resurgent received the multiple electronic disputes that *** ***** 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 **** ****** ********* **** 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 behalf. 
This account has been placed with one of more of these third-party collection agencies since it was 
acquired by LVNV. Any notification requirements for this account would have been met by these 
collection agencies. 

Resurgent received correspondence from *** ***** on November 25, 2015 and May 25, 2015. The 
enclosed letter providing verification of debt with validation was mailed to *** ***** on or about 
December 7, 2015 in compliance with the **** **** ********** ********* *** *********. This account 
has been properly verified, as required by the ****** 

*** ******* June 9, 2016 complaint contains language Resurgent has interpreted to mean that we cease 
communication with her. When a cease and desist request is received by our office, Resurgent places a 
restriction on the account so that no further written or verbal contact is made to our customer. 

If, after reviewing the above-referenced information, *** ***** believes this account is fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity 
theft affidavit in order to help us resolve this matter. Blank forms are available at the ***** website: 
*************************************************************************** 

If *** ***** believes that this account was previously paid or satisfied in full, please advise her to 
provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if *** ***** has any correspondence to/from the previous creditors concerning her dispute, 
please forward it to: 

Compliance Department or Fax: ************ 
** *** ***** ********** 
**** *** *****  *********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
****. 

Sincerely, 


** ********** 
Compliance Department 
Resurgent Capital Services L. P.

6/20/2016 Billing/Collection Issues
6/17/2016 Billing/Collection Issues
6/16/2016 Problems with Product/Service
6/13/2016 Billing/Collection Issues
6/10/2016 Billing/Collection Issues
6/10/2016 Billing/Collection Issues
6/8/2016 Billing/Collection Issues
6/7/2016 Billing/Collection Issues
6/1/2016 Billing/Collection Issues
5/31/2016 Billing/Collection Issues
5/31/2016 Billing/Collection Issues
5/25/2016 Billing/Collection Issues
5/20/2016 Billing/Collection Issues
5/20/2016 Billing/Collection Issues
5/20/2016 Problems with Product/Service
5/12/2016 Billing/Collection Issues
5/12/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I bought a ****** ****** from a ****** dealership awhile back. I was making payments faithfully on it. My mother and father took over the payments on the dirtbike for my nephew to have. I was out shopping and they came and said they was repossing it. I was not home at this time they got it. They later on sold it at an auction way below listing price. Now the keep having collections and bills sent to me to pay for it.

Desired Settlement: I would like to have this problem taken care of without any problems. I would like my credit report fixed by this company and I will like for them to stop sending me bills or trying to contact me in anyway about this matter.

Business Response: This loan was sold to ******* ********* which is now Resurgants. It was sold 1/17/2008.  ************** ** *************  Please redirect

Business Response:
May 2, 2016 

***** ***** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


*** **** ********** ********* *** ******** 
Previous Creditor: **** ******* ***** *********** *********** ***** 
Original Creditor: **** **** ******* **** 
Current Owner: LVNV Funding LLC 
Account Number* **************** 
Reference Number: ********* 
Current Balance: $4,262.37 

**** *** ****** 

This letter is in response to your correspondence dated April 27, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV ") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by **** ******* ***** *********** *********** ****) on or about April 17, 2008. As of the date of 
this communication, the account balance is $4,262.37. Please review the following account information: 

1. This account originated on August 23, 2006 with **** **** ******* **** and was opened with 
********** **** ** 
2. This account charged off on February 29, 2008. 
3. The last payment in the amount of $77.00 was received on August 22, 2007. 
4. No payments have been received on this account since Resurgent started servicing it in April 
2008. 
5. Please find enclosed the credit application on file for this account. 

All ownership rights in this account were transferred to LVNV when this account was purchased from the 
previous 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, LVNV is not reporting the account to the major consumer reporting agencies. 

**** **** ******* **** charged off this debt and sold the account. “Charge-off” does not mean that a 
debt has been 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 August 29, 2007. A request to delete the LVNV tradeline was submitted to the consumer reporting 
agencies on or about December 2013. 

*** *********** April 27, 2016 complaint contains language Resurgent has interpreted to mean that we 
cease communication with him. When a cease and desist request is received by our office, Resurgent 
places a restriction on the account so that no further written or verbal contact is made to our customer. 

If M** ********* believes that this account was previously paid or satisfied in full, please advise him to 
provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if *** ********* has any correspondence to/from the previous creditors concerning his 
dispute, please forward it to: 

Compliance Department or Fax: ************ 
** *** ***** ********** 
**** *** ***** 
*********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ******** 
********** ********** 
Resurgent Capital Services L.P. 

5/9/2016 Billing/Collection Issues
5/5/2016 Billing/Collection Issues
5/5/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have never had any dealings with this company and it is on my credit report and when I try to get in contact with them I can not. I would like this off my credit and I would like to talk to someone.

Desired Settlement: Please take this off my credit report and I would like to know how they got my info and what the service was for.

Business Response:
***** ***** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite 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, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ** ***** **** on or about November 26, 2008. As of the date of this communication, the 
account balance is $1,006.54. Please review the following account information: 

1. This account originated on August 13, 2006 with ******* ******** ******* *********** and was 
opened with ** ****** Consumer. 
2. This account charged off on July 20, 2008 with a balance of $284.60. 
3. The last payment was received on December 21, 2007. 
4. No payments have been received on this account since Resurgent started servicing it in November 
2008. 
5. 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 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, 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 2012 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 matter. Blank 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 L. P. 

Enclosure 


ACCOUNT SUMMARY REPORT
4/19/2016 2:41:10 PM

This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It 
is not a credit card or other account statement from the original creditor.

Borrower Information Current Account Information

Name: ********* ****** ***** **** ******* ***
Address: **** ***** *** ********* ********* * *********
City: ****** ******** ******** ******* ******** ******* 
State: ** ***********
Zip Code: ********** ******* ****** ****************
Merchant ** ****** ********
Date of Last Payment 12/21/2007

Current Balance Summary

Owed Collected Balance

Principal $454.44 - $454.44
Interest $552.10 - $552.10

Total $1,006.54 - $1,006.54

**** The current balance due on this account is: $1,006.54 ****

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 Information

The original creditor for this account was: ******* ******** ******* ***********
The origination date with original creditor was: 08/13/2006
The account charge-off date was: 07/20/2008
The account charge-off amount was: $284.60
The account was acquired on or about: 11/26/2008
The account was acquired from: ** ***** ****
The account balance at time of acquisition: $454.44

This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will 
be used for that purpose.

4/28/2016 Problems with Product/Service
4/20/2016 Billing/Collection Issues
4/20/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LNVN FUNDING LLC has repeatedly attempted to collect on this bill. It has already been handled by the courts here in ****** ****** in the State of ******** and was dismissed. The bill had been paid to the original debtor and they have been unable to provide verification, yet continue to attempt collections. They are refusing to remove dispute comments from all three credit reports. We would like this to be resolved immediately. Please see case info below. For security reasons I have not included the court case number but it can be provided if necessary and is a matter of public record. 10/14/2013 Dismissed by Parties PLAINTIFF'S ATTY FILES DISMISSAL WITHOUT PREJUDICE AT PLAINTIFF'S COSTS. CASE DISMISSED---COURT DATE CANCELLED. /NB Filed By: ****** * ***** On Behalf Of: LVNV FUNDING LLC

Desired Settlement: Credit info should be removed off of all three credit reporting agencies immediately. Any correspondence can be done through our attorney who handled the case in court. ******* * ****** * * Attorney for Defendant ******* ******* ***** ** *** *** ** ***** ** **** ***** ************ ** *****

Business Response: Monday-Thursday 8:00AM-7:00PM 
Friday 8:00AM-5:00PM 

April 13, 2016 

***** ***** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


*** **** ********** ********* *** ******** 
******** ********* **** *********** *********** *********** ***** ** 
******** ********* **** **** ******* **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ****** 

This letter is in response to your correspondence dated April 7, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by **** *********** *********** *********** ***** ** on or about December 14, 2010. Please 
review the following account information: 

1. This account originated on January 3, 2008 with **** **** ******* **** and was opened with 
**** *** ********* 
2. This account charged off on November 30, 2010 with a balance of $705.43. 
3. The last payment in the amount of $51.00 was received on March 21, 2010. 
4. No payments have been received on this account since Resurgent started servicing it in December 
2010. 

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. 

Resurgent received the multiple electronic disputes that *** ********* 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 **** ****** ********* ***, the LVNV tradeline 
for this account is being reported as “disputed” to the three major consumer reporting agencies. 

Our records indicate that a lawsuit, **** *** ************* was filed in the Circuit Court, ********* 
***** ********, ****** ******* ********, and was dismissed without prejudice. 

Resurgent would like to thank *** ********* for bringing this matter to our attention. After investigating 
the account, the account has been closed. Additionally, a request to delete the LVNV tradeline will be 
submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 
to 45 days for this update to occur. We apologize for any inconvenience. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ********** 

4/20/2016 Billing/Collection Issues
4/18/2016 Billing/Collection Issues
4/18/2016 Billing/Collection Issues | Complaint Details Unavailable
4/18/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am reviewing my credit report and I see that recently something was added for LVNV Funding LLC back on 2/29/2016 with not identifying information. I am writing about this because I am unaware and have not received any information form this company in regards to any debt.

Desired Settlement: I would like for this account to be removed from all three credit bureaus.

Business Response: Current Owner: LVNV Funding LLC 
Account Number: ********** 
Reference Number: ********* 
Current Balance: $8,346.51 

Dear *** ****** 

This letter is in response to your correspondence dated April 1, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold b* ****** ******** *********** ***. on or about December 23, 2015. As of the date of this 
communication, the account balance is $8,346.51. Please review the following account information: 

1. This account originated on June 20, 2012 with ******** ******* *********** ** ***** ******** 
and was opened with ******** ******** 
2. This account charged off on April 23, 2013 with a balance of $8,346.51. 
3. No payments have been received on this account since Resurgent started servicing it in December 
2015. 
4. Enclosed please find copies of the ****** ******** ********** ***** ******** ********* and 
********** *********” and a letter advising you of the deficiency after the repossession sale. 

******* ******** complaint dated April 1, 2016 is the first communication, written or otherwise, that 
Resurgent has received from ******* ****** regarding the above-referenced account. In accordance with 
the **** ****** ********* *** *******), a request to update the LVNV tradeline for this account to 
“disputed” will be submitted to the three major consumer reporting agencies during the next reporting 
cycle. 

Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. 
This account has been placed with one of more of these third-party collection agencies since it was 
acquired by LVNV. Any notification requirements for this account would have been met by these 
collection agencies. 

If, after reviewing the above-referenced information, ******* ****** believes this account is fraudulent, 
we ask that he/she provide a completed police/incident report regarding the fraud or a notarized fraud or 
identity theft affidavit in order to help us resolve this matter. Blank forms are available at the ***** 
website: *************************************************************************** 

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: 

Compliance Department or Fax: ************ 
** *** ***** ********** 
**** *** ***** 
*********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
****. 
Sincerely, 


** ********** 
********** ********** 
Resurgent Capital Services L. P. 

4/14/2016 Billing/Collection Issues
4/14/2016 Billing/Collection Issues
4/14/2016 Problems with Product/Service
4/12/2016 Billing/Collection Issues
4/7/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: ******* The business practices of this company are run under the company LVNV Funding Inc. which is not BBB accredited. They have put a delinquent account on my credit that I don't believe is even mine nor did they inform me of it. It lists LVNV Funding as the creditor; however, when you call "LVNV Funding Inc." it is actually Resurgent. I am currently disputing the delinquent report with my credit agency along with Resurgent/LVNV Funding due to the fact their customer service admitted to me the debt was past the statute of limitations and they could not "technically" get a judgment yet they could put it on my credit. This practice is unbecoming of a business along with being recognized under one name yet doing business under another. If it's past the statute of limitations it should not be allowed to be reported to the credit reporting agencies especially by a company that bought a bad debt to begin with.

Desired Settlement: I am requesting that all agencies I have filed this request and complaint with find in my favor and remove the delinquent report on my ******* credit report. They are the only credit reporting agency which has picked up this delinquent report. Thank you

Business Response: ***** ***** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** ******* ********* *** ******** 


Dear *** ****** 

This letter is in response to your correspondence dated March 22, 2016. After researching this matter, it 
has been determined ****** ****** is not the responsible party for this matter. *** ****** should no 
longer be contacted by Resurgent or any company hired by us regarding this matter. 

A request to delete the LVNV tradeline reporting in error to *** ******** credit report will be submitted 
to the three major consumer reporting agencies during the next reporting cycle. Please allow 10 to 15 days 
for these updates to occur. We apologize for any inconvenience *** ****** may have experienced. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ********** 
Compliance Department 
Resurgent Capital Services L. P. 

4/6/2016 Billing/Collection Issues
4/4/2016 Billing/Collection Issues
4/4/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had an account with this firm that I had settle a debt with them 2 years ago. I was told once I settle this account that they would take this off my credit report. I have written and they keep giving me the run around About I need to contact LVNV but resurgent collects on their behalf. Resurgent Capital said they would remove from credit but this have not been resolved. I did what was ask of me. obviously my writing them is not working. Frustrating!

Desired Settlement: I would like for you to do what was promised remove this from my credit . I have been dealing with this for far to long.

Business Response: Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ********* ** ***** ********* *** ******** 
Previous ********* **** ******** *** 
Original Creditor: **** **** ******* ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ****** 

This letter is in response to your correspondence dated March 18, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by **** ******** *** on or about May 9, 2013. Please review the following account information: 

1. This account originated on April 7, 2008 with **** **** ******* ***. and was opened with 
********* **** 
2. This account charged off on May 31, 2010. 
3. The last payment in the amount of $100.00 was received on March 31, 2015. 
4. Payments totaling $2,853.32 have been received on this account since Resurgent started servicing 
it in May 2013. 

All ownership rights in this account were transferred to LVNV when this account was purchased from the 
previous creditor. Those include the right to collect on the account and report to the consumer reporting 
agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. 
Currently, this account is being reported to the three major consumer reporting agencies as “Paid in Full 
for Less than the Full Balance” on behalf of LVNV. Previous creditors may also continue to report the 
history of this account from the origination date up to the time of sale. 

Resurgent received the electronic dispute that *** **** submitted through one or more consumer 
reporting agencies. Resurgent will respond in a timely manner and provide the agency with information 
relevant to her dispute. 

Our records indicate that the last payment of $100.00 was made on the account on March 31, 2015 and 
the status of the account was updated to Settled in Full on April 27, 2015. The tradeline was then reported 
accurately as Account Paid in Full for Less than the Full Balance. **** **** ******* **** charged off 
this debt and sold the account. Entries regarding a charged-off account may remain on a credit report for 
up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the 
start of the seven-year reporting period. The “Date of First Delinquency” for this account is November 2, 
2009. A request to delete the LVNV tradeline will be submitted to the three major consumer reporting 
agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. 

Resurgent has no record of receiving any written or telephonic communication from *** **** after the 
account status was updated to Settled in Full in April 2015. We apologize for any misunderstanding. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ********** 
Compliance Department 
Resurgent Capital Services L. P. 

4/4/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am in the process of receiving a final approval on a home loan when it was brought to my attention I have an outstanding debit with this company appearing on my credit report. Despite not even knowing what this debit was, my lender said that for the loan to go through, I would have to settle this ASAP and provide them with proof of payment on this debit. I called LVNV Funding and spoke to someone who reviewed the account with me and explained to me the amount. Since I was in jeopardy of failing to perform on my loan if this debit wasn't paid, I agreed to just pay them the $500.00 they requested in return for a proof of payment. They assured me a fax would be sent immediately charging off the debt. I in turn told my lender I would be sending them proof of payment on this debit shortly. It is now several days later, LVNV has yet to send anything regarding my debit. During my last call to them they said, "our fax vendor who sends these faxes is having difficulties." At this point in time I have paid this loan, but am in jeopardy of losing out on my home loan because LVNV has refused to send the promised paper work. I find it unacceptable in 2016, they can't figure out how to properly send a fax. I fear I have been taken advantage of, and LVNV Funding had no desire to uphold their commitment to me.

Desired Settlement: I would LVNV Funding to fax me proof of my payment.

Business Response:

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, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by **** *********** *********** *********** ***** ** on or about July 20, 2011. Please review 
the following account information: 

1. This account originated on September 30, 2010 with **** **** ******* ***. and was opened 
with **** *** **** **** 
2. This account charged off on June 30, 2011 with a balance of $681.60. 
3. The last payment in the amount of $500.00 was received on March 16, 2016. 

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 as “disputed” 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. 

We have verified this account was settled in full on March 16, 2016 for $500.00. The status of the account 
was updated to “Settled in Full” on March 16, 2016. 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, 2016 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 paid. At 4:03 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, 2016 because he had not 
yet received the fax. He was transferred to a supervisor who ultimately requested a manual letter be faxed 
to *** ***** indicating the account had been paid. At 5:05 PM March 17, 2016, a manual letter was faxed 
to *** ***** indicating the account has been paid. Additionally, our records indicate the letter requested 
on March 16, 2016 was faxed to *** ***** on March 18, 2016. Please find enclosed both letters. We 
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. 

3/30/2016 Billing/Collection Issues | Complaint Details Unavailable
3/30/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I checked my credit report on 01/29/2016 and saw that I had a ********* account with a past due balance. I logged onto *********** website and paid the past due balance of $148.37 that same day. The payment confirmation number for this payment is **************. Within 24 hours my account balance updates to $0. When I contacted ********* to make sure that everything was paid and squared away they wouldn't speak to me and instead referred me to Resurgent Captial saying they had purchased the debt. At this time I had no knowledge of LVNV and had never received any notice from them that they had purchased the debt, I asked them what I was supposed to do about the payment I made on their website and got an auto response of call Resurgent. The problem is ********* took my payment but would provide no answers. I finally get a letter in the mail a few days ago dated 02/29/2016 stating that the account had been paid in full and I don't even know how that happened because again I paid ********* on their website with no contact from LVNV. The account number listed with LVNV is **************

Desired Settlement: I would like this account removed from my credit reports.

Business Response:
***** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** ** ******** ********* *** ******** 
Previous Creditor: ******** ******* **** 
Original Creditor: ******* 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated March 15, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ******** ******* Inc. on or about October 28, 2015. The last payment in the amount of $148.37 
was received on January 29, 2016. 

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. 

Resurgent received the multiple electronic disputes that Mr. ******* 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. 

Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. 
This account has been placed with one of these third-party collection agencies since it was acquired by 
LVNV. Any notification requirements for this account would have been met by these collection agencies. 

We have verified this account was paid in full on January 29, 2016 for $148.37. The status of the account 
was updated to “Paid in Full” on February 11, 2016. The account is considered resolved in our office, and 
*** ******* should not be contacted by Resurgent or any affiliate companies regarding this account. The 
enclosed letter mailed to *** ******* on or about February 29, 2016 advises that the account is paid in 
full. 

In accordance with the **** ****** ********* *** *******), a request to update this account as “Paid in 
Full” was submitted to the three major consumer reporting agencies during the March 2016 reporting 
cycle. Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer 
reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We 
apologize for any inconvenience. 

We are unable to alter the credit reporting of another creditor. *** ******* should contact the appropriate 
consumer reporting agencies regarding any information he believes is being reported in error. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ********** 

3/30/2016 Billing/Collection Issues
3/28/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am being billed for a loan that is not mine. I have called them several times but have been unable to resolve this and continue to receive bills which I send back "Return to sender" as they have suggested I do.

Desired Settlement: I want this issue resolved and my name and address removed from their database. A letter of apology for the amount of time I've wasted would be appreciated.

Business Response:
March 21, 2016 

***** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


*** **** ******** ********* *** ******** 

Dear *** ******** 

This letter is in response to your correspondence dated March 15, 2016 regarding the above-referenced 
matter. After researching this matter, it has been determined *** ******* is not the responsible party for 
this matter. Resurgent Capital Services L.P. (“Resurgent”) has deleted *** ********* address from our 
system. *** ******* should no longer be contacted by Resurgent or any company hired by us regarding 
this matter. We apologize for any inconvenience *** ******* may have experienced. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ******** 
Compliance Department 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ** ********, and find that this resolution is satisfactory to me. 

Regards,

**** *******

3/28/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LVNV is reporting an account on my credit reports ****** ****** ********* *** *******) - They have not provided me with any proof that the account is mine. Recently went to court for same issue and case was dismissed as they could not provide any proof that the debt was mine. LVNV is illegally and inaccurately reporting on my credit report.

Desired Settlement: LVNV needs to remove listing from all three credit bureaus.

Business Response:
This letter is in response to your correspondence dated February 17, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was subsequently 
acquired by LVNV on or about January 16, 2015. As of the date of this communication, the account 
balance is $951.77. Please review the following account information: 

1. This account originated on October 7, 2012 with ****** *** ***** **** 
2. This account charged off on December 14, 2014 with a balance of $951.77. 
3. The last payment in the amount of $75.00 was received on April 14, 2014. 
4. No payments have been received on this account since Resurgent started servicing it in January 
2015. 
5. Enclosed are the terms and conditions, bill statements and an account summary on file for this 
account. 

All ownership rights in this account were transferred to LVNV when this account was purchased from the 
previous 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. 

Resurgent received the multiple electronic disputes that *** *********** 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 **** ****** ********* ***, 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. 

Our records indicate that a lawsuit, **** *** **********, was filed on August 12, 2015 in the **** 
******** ***** *** *** ****** ** ******** **, and was dismissed without prejudice. Due to the nature of 
the dismissal, the disposition of the lawsuit does not affect the collectability of the account. 

If, after reviewing the above-referenced information, *** *********** believes this account is fraudulent, 
we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or 
identity theft affidavit in order to help us resolve this matter. Blank forms are available at the ***** 
******** **************************************************************************. 

If *** *********** believes that this account was previously paid or satisfied in full, please advise him to 
provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if *** *********** has any correspondence to/from the previous creditors concerning his 
dispute, please forward it to: 

********** ********** ** **** ************  ** *** ***** **********  **** *** *****  *********** ** ***** 
If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ******** 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ** ********, and have determined that this does not resolve my complaint. 

I am not looking for proof that they down the debt. I am looking for proof that the debt is mine - Per the last court date when LVNV dismissed their lawsuit. They did not have any proof that this debt was mine and If they cannot prove that the debt is mine they need to remove from my credit report. I also asked in court that if they wanted to move forward with any further collection activities they need to complete arbitration as I requested at the court hearing when LVNV dismissed their lawsuit against me.

 

Regards,

***** ***********

Business Response:
This letter is in response to your correspondence dated February 17, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was subsequently 
acquired by LVNV on or about January 16, 2015. As of the date of this communication, the account 
balance is $951.77. Please review the following account information: 

1. This account originated on October 7, 2012 with ****** *** ***** **** 
2. This account charged off on December 14, 2014 with a balance of $951.77. 
3. The last payment in the amount of $75.00 was received on April 14, 2014. 
4. No payments have been received on this account since Resurgent started servicing it in January 
2015. 
5. Enclosed are the terms and conditions, bill statements and an account summary on file for this 
account. 

All ownership rights in this account were transferred to LVNV when this account was purchased from the 
previous 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. 

Resurgent received the multiple electronic disputes that *** *********** 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 **** ****** ********* ***, 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. 

Our records indicate that a lawsuit* **** *** **********, was filed on August 12, 2015 in the **** 
******** ***** for the ****** ** ******** *** and was dismissed without prejudice. Due to the nature of 
the dismissal, the disposition of the lawsuit does not affect the collectability of the account. 

If, after reviewing the above-referenced information, *** *********** believes this account is fraudulent, 
we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or 
identity theft affidavit in order to help us resolve this matter. Blank forms are available at the ***** 
******** *************************************************************************** 

If *** *********** believes that this account was previously paid or satisfied in full, please advise him to 
provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if *** *********** has any correspondence to/from the previous creditors concerning his 
dispute, please forward it to: 

********** ********** ** **** ************ 
** *** ***** *********e 
**** *** ***** 
*********** ** ***** 
** *** **** *** ******* ********** ******** ** ********* ****** ******* ******** ******* ** ********
***** 

Sincerely, 


** ******** 

3/28/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I first found out about this collection account ************* with LVNV Funding from ********, ******* and ********** credit reports. I believe this account does not belong to me and is being reported illegally and/or inaccurately. I have disputed this account with the credit reporting agencies, and directly with LVNV Funding/Resurgent Capital Services. LVNV Funding/Resurgent has failed to provide legal validation and a dunning letter in accordance with the **** **** ********** ********* *** *********. I am looking for proof this debt is mine and require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased, itemized with interest, payments, credits, fees, and/or other permissible charges. I request that this account be deleted from my credit reports and I will also be filing a separate report with the ***.

Desired Settlement: I seek deletion of this account because it does not belong to me and is being reported illegally.

Business Response:
*** ****** ******** ********* *** ******** 
Original Creditor: ****** *** ***** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $1,077.54 

Dear *** ******* 

This letter is in response to ****** ********* correspondence dated February 15, 2016 regarding 
the above-referenced account ending in ****. LVNV Funding LLC (“LVNV”), the current Creditor-Debt 
Purchaser has acquired the account referenced above ending in ***** Resurgent Capital Services L.P. 
(“Resurgent”) is the servicer of accounts owned by LVNV. The account was subsequently acquired by 
LVNV on or about August 22, 2014, at which time the balance was $1,009.50. As of the date of this 
communication, the account balance is $1,077.54, which includes a principal balance of $1,009.50, 
interest balance of $68.04, cost balance of $0.00 and fees balance of $0.00. Please review the following 
account information: 

1. ****** *** ***** **** advised that this account originated on September 4, 2013. 
2. This account charged off on July 10, 2014 with a balance of $1,009.50. 
3. The last payment in the amount of $34.16 was received by ****** *** ***** **** on November 
14, 2013. 
4. No payments have been received on this account since its purchase in August 2014. 

All ownership rights in this account were transferred to LVNV when this account was purchased 
from the previous 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. 

Resurgent received the multiple electronic disputes that *** ******* 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 **** ****** ********* **** 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 
behalf. This account has been placed with one of more of these third-party collection agencies since it was 
acquired by LVNV. Any notification requirements for this account would have been met by these 
collection agencies. 

The first communication Resurgent received from *** ******* was a letter, dated January 28, 
2016, which was received on or about February 5, 2016. In response to his dispute, the enclosed letter, 
which included the validation notice, was mailed to *** ******* on or about February 12, 2016, in 
compliance with the **** **** ********** ********* *** ********** We are providing the attached bill 
statements, terms and conditions, and account summary as verification of debt in accordance with the 
****** ******* *** *** ***********(g)) and applicable state and local requirements. 

If, after reviewing the above-referenced information, *** ******* believes this account is 
fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized 
fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the 
***** website: *************************************************************** 
************
If *** ******* believes that this account was previously paid or satisfied in full, please advise 
him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if *** ******* has any correspondence to/from the previous creditors concerning his 
dispute, please forward it to: 

********** **********
 ** **** ************ ** *** ***** *********e 
**** *** ***** 
*********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at 
************* 

Sincerely, 


** **********

Consumer Response: Better Business Bureau:

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 them. Furthermore, I never received a dunning notice from them for this account, as I learned of the debt through my credit reports. Also, LVNV has illegally re-aged this account in order to cause further damage to my credit score. Finally, they have not provided proof that they are registered as a debt collector with the state of Oregon. For all of these reasons I request that this account be deleted from all three credit reporting agencies.

Regards,

****** *******

Business Response: Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


*** ****** ******** ********* *** ******** 
Reference Number: ********* 

Dear *** ******* 

This letter is in response to the additional concerns submitted by *** ******** dated March 7, 2016, 
regarding the above-referenced account. LVNV Funding LLC (“LVNV”), the Current Creditor-Debt 
Purchaser, owns the account number ending in ****. Resurgent Capital Services L.P. (“Resurgent”) is the 
servicer of the account owned by LVNV. 

Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. 
This account has been placed with one or more of these third-party collection agencies since it was 
acquired by LVNV. Any notification requirements for this account would have been met by these 
collection agencies. 

*** ********* letter asserts that LVNV “re-ages” accounts. Please be advised that for purchased debt, the 
consumer reporting agencies use the “Open Date” field only to reflect the date that the account was 
purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information 
remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting 
agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” 
for this account is January 9, 2014. A request to delete the LVNV tradeline will be submitted to the 
consumer reporting agencies on or about October 2020. 

Resurgent complies with all applicable regulatory and licensing requirements in each state where it 
operates. Specific information regarding licensing can be found on the appropriate regulator’s website. 

This account has been properly verified, as required by the **** **** ********** ********* 
*** *********. 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 you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ********** 

3/24/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This business appeared on my credit report and it looks as if they bought it from another company but I have requested and disputed numerous of times to have this removed from my credit report because this account no longer belongs to me it was my ex husbands duties to resolve this account. Please have them remove this account from my credit report or if that can't be done close the account (which I have also disputed to have done) ASAP!

Desired Settlement: I want it either removed completely from my credit report or closed. I prefer it to be removed.

Business Response: ***** ****** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


*** ***** ***** ********* *** ******** 
Previous Creditor: ****** ******** *********** **** 
Original Creditor: ******** ******* *********** ** ***** ******** 
Current Owner: LVNV Funding LLC 
Account Number* ********** 
Reference Number* ********* 
Current Balance: $868.17 

Dear *** ******* 

This letter is in response to your correspondence dated March 9, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ****** ******** *********** **** on or about December 23, 2015. As of the date of this 
communication, the account balance is $868.17. Please review the following account information: 

1. This account originated on June 20, 2012 with ******** ******* *********** ** ***** ********* 
2. This account charged off on August 20, 2013 with a balance of $868.17. 
3. The last payment in the amount of $130.00 was received on April 15, 2013. 
4. No payments have been received on this account since Resurgent started servicing it in December 
2015. 
5. Enclosed please find an account summary on file for the account. 

All ownership rights in this account were transferred to LVNV when this account was purchased from the 
previous 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. 

*** ****** complaint dated March 9, 2016 is the first communication, written or otherwise, that 
Resurgent has received from *** **** regarding the above-referenced account. In accordance with the 
**** ****** ********* *** *******), a request to update the LVNV tradeline for this account to 
“disputed” will be submitted to the three major consumer reporting agencies during the next reporting 
cycle. 

We recognize that *** **** believes this account should have been resolved by her ex-husband. 
However, this account is in *** ****** name only; therefore she is responsible for the balance. 

If, after reviewing the above-referenced information, *** **** believes this account is fraudulent, we ask 
that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity 
theft affidavit in order to help us resolve this matter. Blank forms are available at the ***** website: 
*************************************************************************** 

If *** **** believes that this account was previously paid or satisfied in full, please advise her to provide 
us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if *** **** has any correspondence to/from the previous creditors concerning her dispute, 
please forward it to: 

********** ********** ** **** ************ 
** *** ***** ********** 
**** *** ***** 
*********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ********** 
********** ********** 
Resurgent Capital Services L. P. 

Enclosure 
ACCOUNT SUMMARY REPORT
3/14/2016 2:53:34 PM

This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It 
is not a credit card or other account statement from the original creditor.

Borrower Information Current Account Information

Name* ***** **** Owner LVNV Funding LLC
Address: **** ***** ** ********* ********* * *********
City: ******** ******** ******** ******** ******* *********** 
State: ** ** South Carolina
Zip Code: ********** Account Number **********
Date of Last Payment 04/15/2013

Current Balance Summary

Owed Collected Balance

Principal $868.17 - $868.17

Total $868.17 - $868.17

**** The current balance due on this account is: $868.17 ****

Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary 
from day to day, authorized persons may contact us at ************** to obtain up-to-date balance information.

Historical Account Information

The original creditor for this account was: ******** ******* *********** ** ***** ********
The origination date with original creditor was: 06/20/2012
The account charge-off date was: 08/20/2013
The account charge-off amount was: $868.17
The account was acquired on or about: 12/23/2015
The account was acquired from* ****** ******** *********** ****
The account balance at time of acquisition: $868.17

This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will 
be used for that purpose.

3/24/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I had a outstanding balance on a loan from a few years back, I had filed for bankruptcy and recently needed the lien release for the motorcycle loan. I sent a check for half of the balance $1,556.83. They had told me the check was not at their office. Numerous days passed by and still nothing. So I spoke with a lady at . And told her to not cash the check and I will pay the full balance with my credit card, she agreed. So I paid 2313.67 dollars. Days later they cashed my check without my permission making my account in the negative and resulting in my mortgage check bouncing. I called ******* back and asked to please reimburse me the 1,556.83 she gave me the run around and said it posted to another account?? With no permission did I give them.

Desired Settlement: Refund my $1,556.83 back to me. Since I paid my balance for the debt we agreed upon.

Business Response: Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ******* ** ******* ********* *** ******** 
Previous Creditor: ********** ********* ******** ** *********, Inc. 
Original Creditor: ********** ********* ********* **** ********* ***** ** ********* 
******* ********* 
Current Owner: LVNV Funding LLC 
Account Number: ******** 
Reference Number: ********* 

Dear *** ******* 

This letter is in response to your correspondence dated March 8, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ********** ********* ******** ** ********** ***. on or about June 7, 2013. Please review the 
following account information: 

1. This account originated on January 24, 2009 with ********** ********* ********* **** and was 
opened with *********** 
2. This account charged off on June 22, 2012 with a balance of $4,003.54. 
3. The last payment in the amount of $2,313.67 was received on February 29, 2016. 
4. Our records indicate this account was included in *** ******** Chapter 13 bankruptcy. The loan 
obligation encumbering the below-listed collateral was satisfied with the payment of $2,313.67 dated 
February 29, 2016. 

**** ****** ******** **** ***************** 

After review, Resurgent has determined the check in the amount of $1,156.83 posted to *** ******** 
additional account in our system on March 3, 2016. That account, with reference number ********** 
account number ********* originated January 8, 2008 with ********** ********* ********* ***. Resurgent 
is also the servicer of this account owned by LVNV. Our records indicate the account ending in **** was 
also included in *** ******** Chapter 13 bankruptcy. As part of our investigation, we reviewed the 
phone calls *** ****** placed to Resurgent in February and March 2016* *** ****** advised 
Resurgent he would cancel the check in the amount of $1,156.83, prior to making a payment by phone in 
the amount of $2,313.67 on February 29, 2016, and at no time advised Resurgent we did not have 
permission to post the check in the amount of $1,156.83. A refund in the amount of $1,156.83 will be 
issued to *** ****** once the payment has posted for 30 days, per Resurgent policy, in case of 
insufficient funds or cancellation of payment. We apologize for any inconvenience. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ******** 
********** ********** 
Resurgent Capital Services L.P. 

3/22/2016 Billing/Collection Issues
3/21/2016 Billing/Collection Issues
3/17/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LVNV Funding issued a judgement against me under the name of ****** ******* which is my maiden name, for a ***** account debt from 1996. I did not receive any correspondence prior to notification from my employer in December 2015, that my wages are being garnished. They are taking out 1,000.00 a month to reach a total of 4,000. I strongly disagree. I paid off this ***** account/judgemnt (which at the time was 202.00) in 2005. I believe ***** did not file the Satisfaction of Judgement and the account may have been sold to LVNV Funding. I tried contacting ***** to track down information about my account from 1997-1998 but have received no call backs. In the meantime, my wages were/are being garnished on an account that is over 15 years old and has already been paid off. I have none of the old documents to prove I paid it off but if ***** can look at my old account it should show. I am sufferring a sever hardship with this garnishment and am on the verge of being evicted. I contacted some attorney's but they want fees to take the case and with the current garnishment I have no money to pay any fees. I am in desparate need of help.

Desired Settlement: I would like someone to get the information from ***** showing this old account was paid off and there should be no judgement. I would like the 3,000.00 that has been taken from my paycheck to be refunded. Or I would like someone to contact LVNV Funding as request a Debt Validation, proving that I owe this debt. Please help me.

Business Response:
***** ****** 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


*** ****** ** ******** ********* *** ******** 
Previous Creditor: ***** ******** **** 
Original Creditor: ***** ******** **** 
Current Owner: LVNV Funding LLC 
Account Number: ************* 
Reference Number: ******** 
Current Balance: $2,649.88 

Dear *** ******* 

This letter is in response to your correspondence dated March 1, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** ******** **** on or about June 23, 2003. As of the date of this communication, the account 
balance is $2,649.88. Please review the following account information: 

1. This account originated on April 1, 1990 with ***** ******** **** and was opened with ****** 
2. This account charged off on November 17, 1996 with a balance of $1,718.51. 
3. The last payment in the amount of $966.70 was received on February 26, 2016. 

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, LVNV is not reporting the account to the major consumer reporting agencies. 

Our records indicate the judgment obtained by the previous creditor was renewed on April 24, 2008 in the 
******** ***** ** *********** ****** ** ********** – ********** Judicial District, with case number 
********** Our records indicate that *** ******* was served the Notice of Renewal of Judgment by 
mail on March 31, 2008. Enclosed is a copy of the proof of service and judgment for your review. 
Additionally, one method in which a judgment may be executed is wage garnishment and, in the case of 
this account, a wage garnishment was conducted. We are not the source of public record information 
reported by consumer reporting agencies. If *** ******* wishes to dispute or challenge public record 
entries, we recommend that she contact the consumer reporting agency that is reflecting the judgment, ask 
them for the source of that information, and then direct her dispute or challenge to that source. 

As part of our investigation, we have contacted the previous creditor regarding *** ******** claim the 
account was paid in 2005. If we learn anything to substantiate her claim, we will update the account 
accordingly. If *** ******* believes that this account was previously paid or satisfied in full, please advise 
her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

Resurgent recognizes that significant involuntary financial hardship can arise due to medical issues, 
natural disasters, or other unforeseen circumstances which make it difficult or impossible to pay debt 
obligations. If *** ******* is experiencing this type of involuntary hardship, please provide us with 
evidence of the hardship or reliance on fixed income so that we may review your circumstances and take 
appropriate action. Evidence regarding hardships should be sent to the following address: 
********** ********** ** **** ************ 
** *** ***** ********** 
**** *** ***** 
*********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

3/16/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: The collection agency that I'm filing the complaint against has reported several errors on my credit report, my dept was previously settled with the original creditors, therefore the company resurgence capital should have not been able to obtain this account. This has been an inconvenience while trying to obtain credit. Not only has this company been allowed to damage my credit score, but they report the account as late payments every month.

Desired Settlement: Correction of my credit report.

Business Response: *********** ** ********** 

*** ********** ******* ********* *** ******** 
Previous Creditor: ********** *************** Inc. 
Original Creditor: ********** *************** **** 
Current Owner: LVNV Funding LLC 
Account Number: ********* 
Reference Number: ********* 
Current Balance: $255.09 

Dear *** ******* 

This letter is in response to your correspondence, dated March 2, 2016, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ********** **************, ***. on or about March 21, 2014. As of the date of this 
communication, the account balance is $255.09. Please review the following account information: 

1. This account originated on October 9, 2009 with ********** *************** **** 
2. This account charged off on August 10, 2011 with a balance of $242.22. 
3. No payments have been received on this account since Resurgent started servicing it in March 
2014. 
4. Enclosed please find an account summary on file for the account. 

All ownership rights in this account were transferred to LVNV when this account was purchased from the 
previous 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. 

Resurgent received the multiple electronic disputes that ********** ****** submitted through one or more 
consumer reporting agencies. Resurgent has responded in a timely manner and provided the agency with 
information relevant to his/her dispute. In accordance with the **** ****** ********* **** the LVNV 
tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. 
It will continue to report as such throughout the permissible reporting period unless new information 
indicates that the dispute should be removed. 

The term “open” in ********** ******** credit report is not meant to indicate that the account is open or 
can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements 
required by the consumer reporting agencies, and means only that the entire balance is due upon demand. 
Because the account was charged off and the entire balance is therefore delinquent and due, this is an 
accurate description of the account’s portfolio type. If ********** ****** has additional questions related 
to the credit reporting, then he/she will need to contact the appropriate consumer reporting agencies. 

Resurgent previously received a letter from ********** ******, dated August 12, 2015, which contained 
language we interpreted to request that we cease contact with him/her. Accordingly, this account was 
placed in a cease status, which resulted in no further contact, written or otherwise, from Resurgent. Our 
records reflect that ********** ****** called in to Resurgent on February 29, 2016, lifted the cease and 
desist, and requested to satisfy the account for less than the full balance. ********** ****** was provided 
an offer of $190.00 to satisfy the account, and the enclosed letter confirming that offer was sent to 
********** ****** on or about March 1, 2016. 

Resurgent has submitted a request to the original creditor investigating whether this account was paid 
prior to LVNV’s acquisition. If, upon hearing back from the original creditor, we learn anything to 
substantiate ********** ******** claim(s), we will take any necessary steps to resolve this account. 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 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 L. P. 

Enclosures 
ACCOUNT SUMMARY REPORT
3/8/2016 10:34:36 AM

This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It 
is not a credit card or other account statement from the original creditor.

Borrower Information Current Account Information

Name: ********** ****** Owner LVNV Funding LLC
Address: *** ***** ** ** ********* ********* * *********
City: ************* Original Creditor ********** *************** 
State: GA Inc.
Zip Code: ********** ******* ****** *********
Date of Last Payment

Current Balance Summary

Owed Collected Balance

Principal $242.22 - $242.22
Interest $12.87 - $12.87

Total $255.09 - $255.09

**** The current balance due on this account is: $255.09 ****

Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary 
from day to day, authorized persons may contact us at ************** to obtain up-to-date balance information.

Historical Account Information

The original creditor for this account was: ********** *************** ****
The origination date with original creditor was: 10/09/2009
The account charge-off date was: 08/10/2011
The account charge-off amount was: $242.22
The account was acquired on or about: 03/21/2014
The account was acquired from: ********** *************** ****
The account balance at time of acquisition: $242.22

This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will 
be used for that purpose.

3/15/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LVNV FUNDING/RESURGENT CAPITAL has placed a collection on my ********** credit report for a ********** account. I have never had a ********** account. The company says I need to file a police report to get this cleared up. I shouldn't have to go and try to get a police report for something that apparently happened in 2007 or 2009. I never had a ********** account and this should be removed from my credit report immediately.

Desired Settlement: Remove this account from my credit report and cease contacting me regarding this account that I never had.

Business Response: Previous Creditor: ********** *************** **** 
Original Cr
editor: ********** *************** **** 
Current Owner: LVNV Funding LLC 
Account Number: ********* 
Reference Number: ********* 
Current Balance: $173.95 

Dear Ms. ******* 
This letter is in response to your correspondence dated February 28, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ********** *************** ***. on or about March 21, 2014. As of the date of this 
communication, the account balance is $173.95. Please review the following account information: 

1. This account originated on February 23, 2009 with ********** Communications, Inc. 
2. This account charged off on July 29, 2011 with a balance of $163.99. 
3. No payments have been received on this account since Resurgent started servicing it in March 
2014. 
4. Enclosed is an account summary on file for the account. 

All ownership rights in this account were transferred to LVNV when this account was purchased from the 
previous 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. 

Resurgent received the multiple electronic disputes that Mr. ******* 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 **** ****** ********* ***, 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. 

*** ********* February 28, 2016 inquiry contains language Resurgent has interpreted to mean that we 
cease communication with him. When a cease and desist request is received by our office, Resurgent 
places a restriction on the account so that no further written or verbal contact is made to our customer. 

If, after reviewing the above-referenced information, *** ******* believes this account is fraudulent, we 
ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity 
theft affidavit in order to help us resolve this matter. Blank forms are available at the ***** website: 
*************************************************************************** For convenience, a blank copy 
is enclosed. 

If *** ******* believes that this account was previously paid or satisfied in full, please advise him to 
provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if *** ******* has any correspondence to/from the previous creditors concerning his dispute, 
please forward it to: 

Compliance Department or Fax: ************ 
** *** ***** ********** 
**** *** ***** 
*********** ** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

Enclosure 



ACCOUNT SUMMARY REPORT
3/4/2016 2:38:50 PM

This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It 
is not a credit card or other account statement from the original creditor.

Borrower Information Current Account Information

Name: ****** ******* Owner LVNV Funding LLC
Address: *** ********* ** ********* ********* * *********
City: ************* Original Creditor ********** Communications, 
State: KY Inc.
Zip Code* ********** Account Number *********
Date of Last Payment

Current Balance Summary

Owed Collected Balance

Principal $163.99 - $163.99
Interest $9.96 - $9.96

Total $173.95 - $173.95

**** The current balance due on this account is: $173.95 ****

Because interest, payments, credits, and permissible charges can continue to cause the account balance to vary 
from day to day, authorized persons may contact us at ************** to obtain up-to-date balance information.

Historical Account Information

The original creditor for this account was: ********** *************** ****
The origination date with original creditor was: 02/23/2009
The account charge-off date was: 07/29/2011
The account charge-off amount was: $163.99
The account was acquired on or about: 03/21/2014
The account was acquired from: ********** *************** ****
The account balance at time of acquisition: $163.99

This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will 
be used for that purpose

3/11/2016 Billing/Collection Issues
3/10/2016 Problems with Product/Service
3/10/2016 Billing/Collection Issues
3/10/2016 Billing/Collection Issues
3/10/2016 Billing/Collection Issues
3/10/2016 Problems with Product/Service
3/7/2016 Billing/Collection Issues
3/3/2016 Billing/Collection Issues
3/1/2016 Billing/Collection Issues
2/26/2016 Billing/Collection Issues
2/25/2016 Billing/Collection Issues
2/23/2016 Billing/Collection Issues
2/18/2016 Billing/Collection Issues
2/18/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The basis for my dispute is “ LVNV FUNDING, LLC,***** ********” ************ was required to notify me prior to 3/18/2010, or no later than 30 days after furnishing the negative information to credit bureau reports, in writing...under such section 623, subsection (7)(A). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. Also, LVNV FUNDING, LLC,***** ******** failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA 809, which is $1000 per violation and the state of TX allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807(1) LVNV FUNDING, LLC,***** ******** failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with $1000 per violation. LVNV FUNDING, LLC,***** ******** is held liable as well for defamation and in the state of TX acreditor is who collects their on debt is considered a debt collector under *********** ** ***** *** ********************* ******* **** reh.den.)citing****** v. ***** *** ****** ***(Tex.App-Dallas 1996 writ dism'd w.o.j.)

Desired Settlement: I will if the account is not taken back and removed from any and all credit bureau reports, I will turn this over to **** ******* FDCPA and FCRA national Attorney to look and take over this complaint. Therefore, provide me documentation of notification (i.e. a copy of the notification sent), and proof that it was delivered to me in a timely manner (i.e. a dated certified mail delivery confirmation with my signature).. 30 days before or 30 days after ( 3/18/2010) the date it was opened with the bureaus as you have listed.

Business Response:
Dear Ms. ******: 

This letter is in response to your correspondence dated February 4, 2016, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ******** (South Dakota), N.A. on or about March 18, 2010. As of the date of this communication, 
the account balance is $943.95. Please review the following account information: 

1. This account originated on February 23, 2009, with ******** (South Dakota), N.A. and was 
opened with *****. 
2. This account charged off on March 9, 2010, with a balance of $733.98. 
3. The last payment in the amount of $12.00 was received on August 6, 2009. 
4. No payments have been received on this account since Resurgent started servicing it in March 
2010. 

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. 
Since the legal time limit for bureau reporting is approaching on this account, a request to delete the 
LVNV tradeline will be submitted to the three major consumer reporting agencies during the next 
reporting cycle. Please allow 30 to 45 days for this update to occur. 

Mr. *****’s complaint dated February 4, 2016, is the first communication, written or otherwise, that 
Resurgent has received from Mr. ***** regarding the above-referenced account. We are providing the 
enclosed account summary as verification of debt in accordance with the Fair Debt Collection Practices 
Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. 

Resurgent, as servicer for LVNV, utilizes third party collection agencies to service accounts on its behalf. 
This account has been placed with one of more of these third-party collection agencies since it was 
acquired by LVNV. Any notification requirements for this account would have been met by these 
collection agencies. Enclosed is a letter dated April 11, 2015, from our third-party collection agency, 
which includes the validation notice and the Mini-Miranda. 

If, after reviewing the above-referenced information, Mr. ***** believes this account is fraudulent, we 
ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity 
theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: 
http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 

If Mr. ***** believes that this account was previously paid or satisfied in full, please advise him to 
provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if Mr. ***** has any correspondence to/from the previous creditors concerning his dispute, 
please forward it to: 

Compliance Department or Fax: ************ 
** *** Attn: Compliance 
P.O. Box ***** 
Greenville, SC 29603 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
****. 

Sincerely, 




** ****** 
Compliance Department 
Resurgent Capital Services L.P. 

Enclosure(s) 

2/18/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I do not owe this debt. This company has been harassing me under a different name your Washington bureau resolved it last time in November 2014

Desired Settlement: I do not want this business or any of it's alias' to contact me by phone, letter or email address on this debt that does not exist.

Business Response:

RE: ******** ********; Case/File No. ******** 
Original Creditor: ******* ******** ******* Corporation 
Current Owner: LVNV Funding LLC 
Account Number: *********** 
Reference Number: ********  


Dear Ms. ******: 

This letter is in response to your correspondence dated February 3, 2016, regarding the above-referenced 
account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in ****. Resurgent 
Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. 

Resurgent would like to thank Ms. ******** for bringing this matter to our attention. After investigating 
the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these 
findings, the following account has been closed. We apologize for any inconvenience experienced 
regarding this account. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
****. 

Sincerely, 




** ****** 
Compliance Department 
Resurgent Capital Services L.P. 

2/18/2016 Billing/Collection Issues
2/18/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have received 2 judgements within 2 weeks from LVNV funding. I contacted them and was told it was a debt from 1996 on a ** ***** account. I never had an account with this company. When I talked with them they gave me another number to call. I called the number given by them and they gave me another number to call. From what i can gather, LVNV funding buys old accounts and tries to collect on them. I need to resolve this issue and cannot get sufficient answers.

Desired Settlement: I would like to stop being harassed by this company. This is a so called 20 year old account whatever it may be. Thanks

Business Response:
Dear Ms. ******: 

This letter is in response to your correspondence dated February 2, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ** ***** Bank on or about November 28, 2007. As of the date of this communication, the 
account balance is $1,992.09. Please review the following account information: 

1. This account originated on December 30, 1996 with ******* ******** ******* Corporation and 
was opened with ** ****** Consumer. 
2. This account charged off on November 13, 2007 with a balance of $850.71. 
3. The last payment was received on March 20, 2007. 
4. No payments have been received on this account since Resurgent started servicing it in November 
2007. 

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, LVNV is not reporting the account to the major consumer reporting agencies. 

A judgment was obtained January 7, 2010 in the General Court of Justice, District Court Division, 
******* County, NC with case number ** *** ****. Our records indicate that Mr. ******* was served the 
summons and complaint on September 14, 2009. 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. ******* 
wishes to dispute or challenge public record entries, we recommend that he/she contact the consumer 
reporting agency that is reflecting the judgment, ask them for the source of that information, and then 
direct his/her dispute or challenge to that source. 

Resurgent would like to thank Mr. ******* for bringing this matter to our attention. 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 did not find any 
evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience. 

Mr. ******’s February 2, 2016 inquiry contains language Resurgent has interpreted to mean that he wishes 
our office to cease communication with him. When a cease and desist request is received by our office, 
Resurgent places a restriction on the account so that no further written or verbal contact is made to our 
customer. However, please be aware that other methods may be utilized to execute on the judgment, 
including wage garnishment, bank lien or attachment to real or personal property if the balance is not 
satisfied. 

If, after reviewing the above-referenced information, Mr. ******s believes this account is fraudulent, we 
ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity 
theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: 
http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 

If Mr. ******s 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. ******s has any correspondence to/from the previous creditors concerning his dispute, 
please forward it to: 

Compliance Department or Fax: ************ 
** *** Attn: Compliance 
P.O. Box ***** 
Greenville, SC 29603 

If you have any further questions, comments or concerns, please contact Customer Service at ******** ***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

2/17/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LVNV reported a collection on my credit report. I sent a certified letter for debt validation and waited for response. After waiting for 30 days I sent another certified letter asking for a debt validation. I have never recieved a response from this company. This is affecting my credit reports and are violating FRCA laws by not deleting this from my file.

Desired Settlement: I would like this deleted from all three credit bureaus.

Business Response:
This letter is in response to your correspondence dated February 3, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** ***********, LLC on or about February 18, 2009. As of the date of this communication, the 
account balance is $1,363.24. Please review the following account information: 

1. This account originated on June 10, 2008 with ****** *** Bank, N.A. 
2. This account charged off on January 16, 2009 with a balance of $626.48. 
3. No payments have been received on this account since Resurgent started servicing it in February 
2009. 
4. Please find enclosed an account summary and bill statement on file for the account. 

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, LVNV is not reporting the account to the major consumer reporting agencies. A request to 
delete the LVNV tradeline was submitted to the major consumer reporting agencies on or about May 
2015. 

Resurgent received the multiple electronic disputes that Mr. ***** 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. 

Mr. ***** claims Resurgent has not responded to his request for validation of the debt. Resurgent 
received a letter from Mr. ***** dated September 19, 2013 requesting validation of the debt. Verification 
of debt with validation was mailed to Mr. ***** on October 7, 2013 in compliance with the Fair Debt 
Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter for your review. Resurgent has not 
received a certified letter from Mr. *****, nor has Mr. ***** contacted our office by phone. 

If, after reviewing the above-referenced information, Mr. ***** believes this account is fraudulent, we 
ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity 
theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: 
http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 

If Mr. ***** believes that this account was previously paid or satisfied in full, please advise him to 
provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. 

In addition, if Mr. ***** has any correspondence to/from the previous creditors concerning his dispute, 
please forward it to: 

Compliance Department or Fax: ************ 
** *** ***** **********  **** *** ***** 
Greenville, SC 29603 

If you have any further questions, comments or concerns, please contact Customer Service at ******** ***** 

2/15/2016 Billing/Collection Issues
2/11/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LVNV bought an account from ****** *** that they continue to verify as valid although through many attempts at verifying this debt I just receive that they bought the debt in oct of 2009. They are re-aging this debt on my credit report, also filed a judgment against me where I was not properly served via certified mail or a summons, therefore they defaulted and won a garnishment. Illegally taking money that they were out of SOL per Kentucky consumer laws you cannot be sued for a debt older than 5 years old. They recovered over 2000 for what they claim was a 500 credit limit credit card. I contacted credit one (supposedly the original creditor) who said the account went delinquent on april 2008, they sued me in october 2013 but did not collect the debt until 2015. This is an illegal practice as I have NEVER owed a debt to this company, it was passed statute of limitations for state of kentucky, I wasn't served properly so I couldn't appear in court to defend myself. They are reporting this debt 2 times, once as a collection and another as a judgment. Upon paying this bill they are still reporting it unpaid on all credit bureaus and since FRCA says they cannot report longer than 7 years on a debt, nor can they provide me proof after I have submitted certified letters requesting proof of these debts I am ready to try small claims court to recoup the 2000 they stole from me, and also a 1000 fine for the federal violation they have broken the law, and defamation of character, causing me to not be able to get a mortgage. The original account number was # **************** judgment docket number ********

Desired Settlement: I want both account number listed by LVNV # **************** removed from my credit report as well as the judgment ********. I will be filing another complaint based on response as I will be requesting a refund for the hardship they illegally placed on me. Thank you for your time

Business Response:
This letter is in response to your correspondence dated January 26, 2016 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** ***********, LLC on or about November 17, 2009. Please review the following account 
information: 

1. This account originated on August 15, 2007 with ****** *** Bank, N.A. 
2. This account charged off on October 21, 2009 with a balance of $1,046.10. 
3. The last payment in the amount of $64.24 was received on August 14, 2015. 
4. Payments totaling $1,844.98 have been received since Resurgent started servicing the account in 
November 2009. 
5. Enclosed is a bill statement on file for your review. 

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. The 
account is currently being reported to the credit bureaus as “Account Paid in Full.” Since the legal time 
limit for bureau reporting is approaching on this account, a request to delete the LVNV tradeline will be 
submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 
to 45 days for this update to occur. Previous creditors may also continue to report the history of this 
account from the origination date up to the time of sale. 

Resurgent received the multiple electronic disputes that Mr. ******* 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. 

Mr. *******’s letter asserts that LVNV “re-ages” accounts. Please be advised that for purchased debt, 
the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was 
purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information 
remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting 
agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” 
for this account is April 20, 2009. 

In his complaint, Mr. ******* claims to have sent certified letters requesting proof of the debt. 
However, Mr. *******’s complaint dated January 26, 2016 is the first written communication that 
Resurgent has received from him regarding the above-referenced account. Resurgent did receive a letter 
dated January 11, 2016 from Mr. ******* on January 27, 2016 requesting verification of the debt. 
However, that letter also included language we interpreted to mean that Mr. ******* wished our office 
to cease communication with him. As a result, no further communication, written or otherwise, will be 
sent to Mr. ******* by Resurgent or any affiliate company. 

A judgment was obtained October 28, 2013 in ****** District Court, ****** County, Kentucky with case 
number ********. Court records indicate that Mr. ******* was served the summons and complaint on 
August 15, 2013. Enclosed is a copy of the judgment for your review. We have confirmed that Mr. 
*******’s account was still within his state’s statute of limitations when the lawsuit was filed. 
Additionally, one method in which a judgment may be executed is wage garnishment and, in the case of 
this account, a wage garnishment was conducted. Enclosed please find a copy of the Order of Wage 
Garnishment Release. Additionally, we have verified this account was paid in full on August 14, 2015 
with payments received in the total of amount of $1,844.98. A request was sent to the court to satisfy the 
judgment. Please see the enclosed Order of Satisfaction. 

We are not the source of public record information reported by consumer reporting agencies. If Mr. 
******* 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. 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
****. 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

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2/9/2016 Billing/Collection Issues
2/9/2016 Billing/Collection Issues
2/8/2016 Problems with Product/Service
2/8/2016 Billing/Collection Issues | Complaint Details Unavailable
2/4/2016 Delivery Issues
2/1/2016 Billing/Collection Issues
1/27/2016 Problems with Product/Service
1/26/2016 Billing/Collection Issues | Complaint Details Unavailable
1/25/2016 Billing/Collection Issues
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1/21/2016 Billing/Collection Issues | Complaint Details Unavailable
1/20/2016 Billing/Collection Issues
1/19/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Upon reviewing my credit report I noticed a collection on my account from this company. After seeing it on my report and locating contact information I began to try and contact this company about this debt. It has been a few weeks and I keep getting forwarded to Voicemails and no one is returning phone calls. When I contacted them today I reached someone who told me I need to call a law office to speak about this account. I was then sent to another voicemail. I have also mailed a letter. I am done trying to contact this company so they can give me information about what or who this debt belongs to. LVNV funding has failed to provide legal validation or a dunning letter in accordance with fair debt collection practices act. I would like to have this account deleted from my credit reports. Failure to remove this account from my credit reports will result in me filing a separate report with the FTC. Thank You

Desired Settlement: I would like to have this account deleted from my credit reports

Business Response:

Please see the attached response.

January 8, 2016

***** ** *******
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164

RE: ********* *****; Case/File No.********
Previous Creditor: ***** ***
Original Creditor: ****** *** ***** ***.
Current Owner: LVNV Funding LLC
Account Number: ****************
Reference Number: *********
Current Balance: $655.44

Dear *** ********
This letter is in response to your correspondence dated January 7, 2016, regarding the above-referenced
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously
sold by ***** *** on or about January 16, 2015. As of the date of this communication, the account
balance is $655.44. Please review the following account information:

1. This account originated on June 21, 2013, with ****** *** ***** ***.
2. This account charged off on December 28, 2014, with a balance of $655.44.
3. The last payment in the amount of $30.00 was received on May 18, 2014.
4. No payments have been received on this account since Resurgent started servicing it in January
2015.
5. Enclosed are bill statements, terms and conditions and an account summary for your review.

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, a request to update the LVNV tradeline for this account
to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting
cycle.

Resurgent, as servicer for *** *****, utilizes third party collection agencies to service accounts on its
behalf. This account has been placed with one of more of these third-party collection agencies since it was
acquired by LVNV. Any notification requirements for this account would have been met by these
collection agencies. Furthermore, enclosed is a copy of the letter Resurgent mailed *** *****, which
included the validation notice.

We apologize for *** *****’s inconvenience she may have experienced in her attempts to try to contact us
regarding this account. Due to the inconvenience she has experienced, we would like to offer to satisfy in
full for $250.00. Upon confirmation that the funds have cleared the banking system, the account status
will be updated to “satisfied in full” and a request to update the LVNV tradeline to “account paid in full
for less than the full balance” will be submitted to the three major consumer reporting agencies.

Payment(s) may be mailed to the following address, or *** ***** may contact Customer Service at **** ******** in order to make payments by phone. If mailing payments, please allow adequate time for
United States Postal Service transit and for Resurgent to process and post the payment to this account.

Resurgent Capital Services L.P.
**** *** ***** *********** ** *****
If payment is not received by the February 15, 2016, this account may be placed for further collections,
and this payment agreement may be re-evaluated. We are not obligated to renew this offer.

It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed
through the above-referenced date. After that time, we reserve the right to modify or revoke the offer.
This offer is void if previous payment arrangements have been made.

If you have any further questions, comments or concerns, please contact Customer Service at ******** *****
Sincerely,


** ******
Compliance Department
Resurgent Capital Services L.P.

Consumer Response:
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

********* *****

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1/4/2016 Billing/Collection Issues | Complaint Details Unavailable
12/31/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In the process of purchasing a home, I discovered an collections account on my credit bureau that I had never been made aware of from LVNV funding for $**** I had never previously received a letter from them about any kind of debt or collections attemt. I promptly contacted LVNV to figure out what this was and spoke with a friendly woman on the phone (I really expected more of a hassle, but she was very nice) and she explained to me that it was a debt from ********** *************** I don't know when that could possibly be from as I still have ********** as my home phone and internet provider and am have never received any notices from them. I asked her if she could provide me proof of the debt and that if in fact I owed it, I would pay it, but i reiterated that I do not recall being in debt to **********. All she could tell me was that they had purchased it and that i owed $**** I then stated I would pay it upon proof of debt, to make it disappear. She was unable to provide it on the phone and now almost 2 months later I have yet to receive anything in the mail from them at all regarding my supposed debt. I even offered to contact ********** myself to verify it and was told they do not recommend consumer contacting the original creditors. I feel as though I made a good effort to attempt to pay, but I also will not pay a debt I dont recall without proof. As such I'd like a deletion letter sent to the credit bureaus and LVNV to stop attempting to contact me. For their records, my name is ****** ***** and their account number shows on my bureau as *********

Desired Settlement: I would like them to delete this from the credit bureaus.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

December 17, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** ** *****; Case/File No. ******** 
Previous Creditor: ********** **************, Inc. 
Original Creditor: ********** **************, Inc. 
Current Owner: LVNV Funding LLC 
Account Number: ********* 
Reference Number: ********* 
Current Balance: $****** 

Dear *** *******: 

This letter is in response to your correspondence dated December 14, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ********** **************, Inc. on or about March 11, 2015. As of the date of this 
communication, the account balance is $******. Please review the following account information: 

1. This account originated on February 21, 2012 with ********** **************, Inc. 
2. This account charged off on September 13, 2012 with a balance of $******. 
3. No payments have been received on this account since Resurgent started servicing it in March 
2015. 
4. Enclosed is an account summary with additional account information. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The 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 agencies. It will continue to report as such throughout the permissible 
reporting period unless new information indicates that the dispute should be removed. 

**. ***** indicates he requested proof of the debt on the phone, and now two months later has not 
received anything in the mail. As part of our investigation, we reviewed the phone call *** ***** placed 
to Resurgent on October 27, 2015. On the call, *** ***** was advised to submit his dispute and request 
for proof of debt in writing to Resurgent. As of the date of this letter, the only written communication 
Resurgent has received from *** ***** is the December 14, 2015 BBB inquiry. 

**. *****’s December 14, 2015 inquiry contains language Resurgent has interpreted to mean that we 
cease communication with him. When a cease and desist request is received by our office, Resurgent 
places a restriction on the account so that no further written or verbal contact is made to our customer. 

If, 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 matter. Blank 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 the previous creditor 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 L.P. 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 

I mailed a letter to them the day after I spoke with them on the phone and only after no response did I file with the BBB.  I have not received any communication from ********** regarding any past due balances and that is why I am asking for proof that I owe them money, I don't think that's too much to ask especially since there are 2 other members of my family (one of my household) with a * ***** name. My brother had an apartment near mine during this time, he has the same initials as I, is it possible ********** made a mistake in the billing?  The burden of proof is not on me, but as I stated in my phone call, I offered to, but was advised not to, contact ********** myself to verify. I feel as though I was more than reasonable having offered to pay it upon receipt of proof and have got nothing in terms of such from Resurgent.  I never even received anything from Resurgent when they acquired this debt to give me the opportunity to look into this months ago.  


Also, I would advise Resurgent that they may reach me by mail if they can provide me proof of debt in the form of an original contract, payment history, or cancelled check to prove it was in fact my debt and not another J. ***** or worse yet, fraudulent activity that would require police or legal intervention to protect my identity. Once again, if I in fact owe this money, I will work towards a fair settlement with Resurgent, but as of yet I have nothing that suggests this debt belongs to me. 

Regards,

****** *****

Business Response:

Please see Resurgent's attached response to the referenced complaint.

December 29, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** *****; Case/File No* ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to the additional concerns submitted by *** ***** dated December 22, 2015 
regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number 
ending in ****. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by 
LVNV. 

After investigating the account, Resurgent has made the business decision to close the account. 
Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer 
reporting agencies (also known as “credit bureaus”) during the next reporting cycle. Please allow 30 to 45 
days for this update to occur. We 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. 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

****** *****

12/23/2015 Billing/Collection Issues | Complaint Details Unavailable
12/21/2015 Billing/Collection Issues | Complaint Details Unavailable
12/21/2015 Billing/Collection Issues
12/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: there is two judgements filed on a property in my name (****** ***** ********) I have been calling this company for a few weeks now trying to get this settled , it was included in a bankruptcy - they provided me with verbal figures to collect payments so that the short sale can be completed . they advised that letters will be faxed to me on the agreed figures on 12.02.15, i never received. when i called to follow up spek to their bankruptcy dept they advised that they cant send me the letters because they cannot confirm that the accounts belong to them and they have reched out to the attorneys on file to verify , when i asked for the attorneys information to call they said that they dont have it . they have wasted my time , the extension for the shortsale expires this week and if the closing dont occur the property will be foreclosed ---- its either they waive the judgement (since it was in th bk) . they told me i can make paymnets over the phone - so if i did at that point i would of paid a company in which my account dont belong to?

Desired Settlement: either to send me the letters required by the title cmpnay or dismiss the judgements

Business Response:

Please see the attached response.

December 4, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** ******; Case/File No. ********* ******** 
Reference Numbers: ********** ********* 

Dear *** *******: 

This letter is in response to your correspondence dated December 3, 2015, regarding the above-referenced 
accounts. LVNV Funding LLC (“LVNV”) owns the account number ending in **** and **** LLC 
(“****”) owns the account number ending in ***** Resurgent Capital Services LP (“Resurgent”) is the 
servicer of these accounts owned by LVNV and ****. Please review the following account information: 

Account Number: **************** 
Reference Number: ********* 
Original Creditor: ***** **** ***, **** 

1. This account originated on February 8, 2007, with ***** **** ***, **** and was opened with 
******* **** ******* ****** 
2. This account charged off on December 31, 2008, with a balance of $1,382.61. 
3. This account was purchased from ***** **** ***, **** on May 25, 2010. 
4. No payments have been received on this account since Resurgent started servicing it in May 
2010. 

Account Number: **************** 
Reference Number: ********* 
Original Creditor: ******** (***** ******), **** 

1. This account originated on May 6, 2005, with ******** (***** ******), **** and was opened 
with ***** **********. 
2. This account charged off on August 12, 2008, with a balance of $2,732.52. 
3. This account was purchased from ******** (***** ******), **** on December 28, 2010. 
4. The last payment in the amount of $94.31 was received on January 14, 2008. 
5. No payments have been received on this account since Resurgent started servicing it in December 
2010. 

All ownership rights were transferred to LVNV and **** when these accounts were purchased from the 
previous creditors. Those include the right to collect and report to the consumer reporting agencies (also 
known as “credit bureaus”). Currently, LVNV and **** are not reporting these accounts to the major 
consumer reporting agencies. 

After reviewing the calls, **. ****** and her realtor, **** *********, have called Resurgent multiple 
times and were informed that a fax would be sent to them with the payoff amounts of $950.00 and 
$1,500.00 for account numbers ending in **** and ****, respectively. However, a reason Resurgent did 
not send the fax to **. ****** and **. ********* was because Resurgent was waiting to receive a copy 
of the recorded judgment from the ****** County Civil Court, **. At no time did Resurgent state that 
the accounts did not belong to us; however, when **. ****** contacted our Customer Service 
department, she was informed that we would have to transfer her to our Bankruptcy department as the 
accounts are not in the Customer Service system. We apologize for that miscommunication and any 
inconvenience **. ****** and **. ********* may have experienced. 

The account numbers ending in **** and **** were included in a Chapter 7 Bankruptcy filed on 
November 18, 2010, with case number ******* and subsequently discharged on February 25, 2011. 
Please note that account number ending in **** does not have a judgment or lien attached to **. ******. 
**. ******’s personal liability for this account has been discharged. As **. ****** has no personal 
liability for account number ending in **** and there are no outstanding judgments and/or liens attached 
to **. ****** regarding account number ending in ****, account number ending in **** has been 
closed. 

In regards to account number ending in ****, a judgment was obtained by the original creditor on August 
11, 2010, in ****** County Civil Court, ** with case number ***************. Enclosed is a copy of 
the judgment. We appreciate **. ******’s willingness to satisfy this judgment and therefore would like 
to offer to satisfy this judgment in the amount of $1,000.00. As a courtesy, the amount to satisfy this 
judgment has been lowered due to **. ******’s inconvenience experienced. 

Payments may be mailed to the following address or **. ****** may contact Customer Service at ****
******** to make payments by phone. If mailing payments, please allow adequate time for the mail 
delivery and for Resurgent to process and apply the payments to these accounts. 

Resurgent Capital Services L.P. 
**** *** ***** 
Greenville, SC 29603 

If the payment is not received by January 31, 2015, this agreement may be re-evaluated. We are not 
obligated to renew this offer. 

It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed 
through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. 
This offer is void if previous arrangements have been made. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 



** ****** 
Compliance Department 
Resurgent Capital Services L.P. 

Enclosure(s) 

12/16/2015 Billing/Collection Issues
12/14/2015 Billing/Collection Issues | Complaint Details Unavailable
12/14/2015 Billing/Collection Issues
12/9/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I’ve noticed where LVNV Funding has reported me to the three credit bureaus in error. This is NOT my account and I have NEVER heard of this creditor “********** **************.” I was a victim of identity a few years ago. I am from J************ ** been here for years. Therefore, I want this collection account removed. According to the FCRA I have rights as a consumer. This negative remark on my credit report is a cause for punitive damages. Hopefully we can resolve this matter amicably. I am requesting that LVNV Funding LLC C/O Resurgent Capital Services removes this account from all three bureaus immediately. Respectfully, ******* ***** ****** *******************

Desired Settlement: All I am asking is for this to be removed from all three of my credit reports immediately. LVNV Funding has the ability to remove this from my credit report amicably. I will be waiting for response from LVNV Funding in a timely fashion. I really appreciate your cooperation in this matter.

Business Response:

Please see Resurgent's attached response to the referenced complaint.

November 25, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******* *****; Case/File No. ******** 
Previous Creditor: ********** **************, Inc. 
Original Creditor: ********** **************, Inc. 
Current Owner: LVNV Funding LLC 
Account Number: ********* 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated November 23, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ********** **************, Inc. on or about May 16, 2013. Please review the 
following account information: 

1. This account originated on April 24, 2009 with ********** **************, Inc. 
2. This account charged off on April 6, 2011. 
3. No payments have been received on this account since Resurgent started servicing it in May 
2013. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Resurgent received the multiple electronic disputes that *** ***** submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. In accordance with the Fair Credit Reporting 
Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. 

After investigating the account, we did not find any evidence of the mishandlings alleged in the 
complaint. Despite these findings, Resurgent has made the business decision to close the account. 
Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer 

reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We 
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. 



12/9/2015 Problems with Product/Service
12/2/2015 Billing/Collection Issues | Complaint Details Unavailable
12/2/2015 Billing/Collection Issues
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X

Additional Notes

Complaint: I called Resurgent twice on 11/18/2015. I was offered a settlement. The customer service representative told me she would fax a written confirmation. When I did not receive the fax, I was told that the offer was no longer valid because the account had been transferred to *** ********. When I called *** ********, I was told that they had no record of my account. I have since been instructed to call back again because it takes time for the system to show my account.

Desired Settlement: 1) Create a system that allows customer service representatives to provide accurate and honest information to callers. The system should stop all "automatic transfers" of accounts after a settlement offer is provided to a customer. 2) I want Resurgent to decrease the settlement amount. 2) I want Resurgent to completely remove the information from my credit report.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

November 24, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******* *****; Case/File No. ******** 
Previous Creditor: *** **** ********* ***. 
Original Creditor: *** **** ********* ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $2,776.27 

Dear *** ******** 

This letter is in response to your correspondence dated November 19, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by *** **** ********* ***. on or about March 27, 2012. As of the date of this 
communication, the account balance is $2,776.27. Please review the following account information: 

1. This account originated on August 4, 2007 with *** **** ********* ***. and was opened with 
**** ** ******** ***. 
2. This account charged off on November 30, 2010 with a balance of $3,805.76. 
3. The last payment in the amount of $1,939.81 was received on July 26, 2011. 
4. No payments have been received on this account since Resurgent started servicing it in March 
2012. 
5. Enclosed please find an account summary on file for the account. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Resurgent received the electronic dispute that *** ***** submitted through the consumer reporting 
agencies. Resurgent responded to it in the adequate time by providing the corresponding information to 
the respective consumer reporting agencies. In accordance with the Fair Credit Reporting Act, a request to 

update the LVNV tradeline as “disputed” will be submitted to the three major consumer reporting 
agencies during the next reporting cycle. 

Resurgent would like to thank *** ***** for bringing this matter to our attention. Resurgent takes its 
customer service and consumer protection obligations very seriously and has significant staff dedicated to 
its compliance-related functions in order to identify, resolve and permanently correct operational 
deficiencies or improve upon customer concerns. After investigating the account, we plan to look into 
ways to improve the customer service experience. We apologize for any inconvenience *** ***** may 
have experienced regarding this account and thank her for her feedback. 

We appreciate *** *****’s willingness to pay this account and apologize for her inconvenience. As a 
courtesy, we would like to reduce our previous offer to $500.00 to resolve the account in full. Upon 
confirmation that all funds have cleared the banking system, the account status will be updated to 
“Satisfied in Full." The tradeline will not be deleted from *** *****’s credit report in exchange for 
payment; however, a request to update the LVNV tradeline to "account paid in full for less than the full 
balance" will be submitted to the three major consumer reporting agencies. Currently, a request to delete 
the LVNV tradeline is scheduled to be submitted on or before February 2017. 

Payment may be mailed to the following address or *** ***** may contact Customer Service at *******-
**** to make payment by phone. If mailing the payment, please allow adequate time for the mail delivery 
and for Resurgent to process and apply the payment to the account. 

Resurgent Capital Services L.P. 
**** *** ***** 
Greenville, SC 29603 

If payment is not received by January 1, 2016, this account may be placed for further collections, and this 
resolution agreement may be re-evaluated. We are not obligated to renew this offer. 

It may be possible to extend the deadline under certain circumstances. The offer above is guaranteed 
through the above-referenced date. After that time, we reserve the right to modify or revoke the offer. 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 

** ********** 
Compliance Department 
Resurgent Capital Services L. P. 

Enclosure 









11/30/2015 Billing/Collection Issues | Complaint Details Unavailable
11/30/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This agency has been reporting an entry on my credit report that i know nothing about. Last Reported Nov 02, 2015 Collection Agency LVNV FUNDING LLC Original Creditor ******** ***** ****** * * Status Open Opened Date Dec 13, 2010 Closed Date -- Responsibility Individual Account. Balance $606 High Balance $488 Remarks Consumer disputes this account information Collection account..

Desired Settlement: Please remove this entry from my credit report.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

November 20, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** *****; Case/File No* ******** 
Previous Creditor: ******** (***** ******), N.A. 
Original Creditor: ******** (***** ******), **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $605.66 

Dear *** *******: 

This letter is in response to your correspondence dated November 16, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ******** (***** ******), **** on or about December 13, 2010. As of the date of this 
communication, the account balance is $605.66. Please review the following account information: 

1. This account originated on May 13, 2006 with ******** (***** ******), **** and was opened 
with *****. 
2. This account charged off on November 14, 2010 with a balance of $487.81. 
3. The last payment in the amount of $20.00 was received on March 22, 2010. 
4. No payments have been received on this account since Resurgent started servicing it in December 
2010. 
5. Enclosed is the credit application, bill statements and an account summary on file that provide 
additional account information. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Resurgent received the multiple electronic disputes that ****** ***** submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. In accordance with the Fair Credit Reporting 

Act, the LVNV tradeline is being reported as “disputed” to the three major consumer reporting agencies. 
It will continue to report as such throughout the permissible reporting period unless new information 
indicates that the dispute should be removed. 

The term “open” in ****** *****’ credit report does not literally mean that the account is open or can be 
used. That information is one of the data reporting requirements set by the consumer reporting agencies 
and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon 
demand. This is an accurate description of the account, which was charged off and therefore the entire 
balance is delinquent and due. If ****** ***** has additional questions related to the credit bureau 
reporting, then he/she will need to contact the respective consumer reporting agencies. 

If, after review of 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 matter. Blank 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 the previous creditors concerning his/her 
dispute, it may help with our investigation, so please have him/her 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 L.P. 

Enclosure(s) 





11/30/2015 Billing/Collection Issues | Complaint Details Unavailable
11/25/2015 Billing/Collection Issues | Complaint Details Unavailable
11/24/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I keep receiving collection letters for a debt I don't recognize and suspect relates to my ex. I have asked that this debt be verified and received a notice that "We have reviewed your inquiry regarding the above referenced account. However, the information provided, along with our review of the account, is insufficient to support your claim."There wasn't any information provided, just a letter sent requesting verification. They didn't send me the required information regarding who was the original owner of this debt, when the first date of delinquency was etc. This debt has to be over 10 years and is probably time barred.Thank you.

Desired Settlement: I would like them to stop sending me letters and remove any reports to credit agencies.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

November 13, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ***** *****; Case/File No. ******** 
Previous Creditor: ** ***** **** 
Original Creditor: ******* ******** ******* *********** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $1,244.51 

Dear *** *******: 

This letter is in response to your correspondence dated November 9, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ** ***** **** on or about December 29, 2006. As of the date of this communication, the 
account balance is $1,244.51. Please review the following account information: 

1. This account originated on August 22, 2004 with ******* ******** ******* *********** and was 
opened with ********* 
2. This account charged off on March 21, 2006 with a balance of $200.91. 
3. The last payment was received on August 3, 2005. 
4. No payments have been received on this account since Resurgent started servicing it in December 
2006. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting 
agencies. 

The “Date of First Delinquency” marks the beginning of the time period for which negative information 
may remain on a credit bureau report. For a charged-off account, the Date of First Delinquency is the first 
date of the delinquency that led to the charge-off as determined by the original creditor, but is not 
necessarily the first time the account was delinquent. This date is reported in accordance with the 
requirements of the Fair Credit Reporting Act (“FCRA”). The Date of First Delinquency for this account 
is September 21, 2005. 

*** ***** is correct that the statute of limitations for seeking legal action, such as a judgment, has 
expired. However, the account balance is still collectible as expiration of the statute of limitations does 
not invalidate the obligation or *** *****’ responsibility for the balance due on this account. 

In her inquiry *** ***** claims Resurgent did not provide verification of the debt as requested by *** 
*****. Enclosed is a letter dated August 13, 2015 Resurgent mailed *** ***** which included 
verification of the debt. This account has been properly verified, as required by the Fair Debt Collection 
Practices Act (“FDCPA”). 

*** *****’ November 9, 2015 inquiry contains language Resurgent has interpreted to mean that we cease 
communication with her. When a cease and desist request is received by our office, Resurgent places a 
restriction on the account so that no further written or verbal contact is made to our customer. 

If, after review of the above-referenced information, *** ***** believes this account is fraudulent, we ask 
that she provide a completed police/incident report regarding the fraud, or a notarized fraud or identity 
theft affidavit, in order to help us resolve this matter. Blank 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 the previous creditors concerning her dispute, it 
may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 




Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint. 

[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
I didnt receive the letter they are claiming was sent in August after I requested verification.  Secondly, I havent ever had a ******** credit card.  


Regards,

***** *****

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

November 20, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** *****; Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to the additional concerns submitted by *** ***** dated November 19, 2015 
regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number 
ending in ****. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by 
LVNV. 

Regarding *** *****’ concern that she did not receive Resurgent’s letter dated August 13, 2015, which 
included verification of the debt, our records indicate the letter was mailed to the same address *** ***** 
provided in her BBB inquiry dated November 9, 2015. 

After further review, we did not find any evidence of the mishandlings alleged in the complaint. Despite 
these findings, Resurgent has made the business decision to close the account. Currently, LVNV is not 
reporting the account to the major consumer reporting agencies (also known as “credit bureaus”). We 
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. 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

***** *****

11/17/2015 Billing/Collection Issues
11/16/2015 Billing/Collection Issues | Complaint Details Unavailable
11/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a letter on or about April 3, 2015 from this company stating that they are a collection company for ***** ******** **** Current owner is LVNV Funding LLC balance of $1522.90. I read the letter and it stated that if i didn't agree with this information or needed to dispute information it had to be in writing so I sent them a letter informing them that 1. the name on account is not My legal Name 2. I have never had an account with them and I refuse to pay on an account that I did not open. I also contacted the 3 credit companies ********, ***** ***** & ******* asking about this account all three state that this is not on my credit so I placed a Message and a block on my credit accounts so if anyone other than me tries to have my credit ran it will notify me as I think this is fraudulent information that was received. They ( Resurgent) state that this account was opened in the year 2000 and turned over or sold in 2003 here we are 12 years later and they state its My account. I disagree and did what they asked me now I received another letter 10/26/15 stating that information received plus there review and it is still insufficient information to support my case. I refuse to give them any other information because I feel this is a fraudulent account to start with. Please help

Desired Settlement: Close this account or any information pertaining to it as it is not my account to start with.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

November 2, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ********* *****; Case/File No. ******** 
Previous Creditor: ***** ******** **** 
Original Creditor: ***** ******** **** 
Current Owner: LVNV Funding LLC 
Account Number: ************* 
Reference Number: ******** 
Current Balance: $1,522.90 

Dear *** ******** 

This letter is in response to your correspondence dated October 28, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** ******** **** on or about August 8, 2003. As of the date of this communication, the 
account balance is $1,522.90. Please review the following account information: 

1. This account originated on September 25, 2000 with ***** ******** ****. 
2. This account charged off on July 28, 2003 with a balance of $906.47. 
3. The last payment in the amount of $20.00 was received on March 10, 2003. 
4. No payments have been received on this account since Resurgent started servicing it in August 
2003. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting 
agencies. 

********* ***** is correct that the statute of limitations for seeking legal action, such as a judgment, has 
expired. However, the account balance is still collectible as expiration of the statute of limitations does 
not invalidate the obligation or ********* *****’s responsibility for the balance due on this account. 

The enclosed verification of debt was mailed to ********* ***** on or about July 22, 2015, in 
compliance with the Fair Debt Collection Practices Act (“FDCPA”). 

If, after review of 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 matter. A blank identity theft affidavit is enclosed 
for ********* *****’s convenience. Additional blank 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 the previous creditors concerning 
his/her dispute, it may help with our investigation, so please have him/her 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 L. P. 

Enclosures 

11/11/2015 Billing/Collection Issues | Complaint Details Unavailable
11/11/2015 Billing/Collection Issues
11/4/2015 Billing/Collection Issues | Complaint Details Unavailable
11/4/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I'm filing a complaint against this collection company with bad and unlawful practices, In accordance with the Fair Credit Reporting Act I never received notification of the debt, after they placed it on my credit report, the account was charged off and LVNV did not show on my report before September 29;2015.. I 'm upset because this is an abusive practices.The account was from ****** *** **** and the charge off amount was 250 dollars the LVNV bought it and claim 841 dollars. I'm giving you all the infos needed at the end of this complain. I'm hoping the BBB will looked into this really bad company. I appreciate your help in this matter. Cordially, ***** ******* LVNV FUNDING LLC ** *** ***** *** **** ** *** Greenville, SC********** (**** ******** Account Number: **************** Status: COLLECTION ACCOUNT Account Owner: Individual Account. High Credit: $668 Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 04/08/2011 Balance: $841 Date Reported: 09/29/2015 Amount Past Due: $841 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 07/2011 Months Reviewed: 50 Creditor Classification: Financial Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Factoring Company Account (debt buyer) Date of First Delinquency: 08/2009 Comments: Consumer disputes this account information, Collection account ****** *** **** ** *** ***** *** ****** ************ Account Number: **************** Status: CHARGE-OFF Account Owner: Individual Account. High Credit: Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving Credit Limit: $250 Term Duration: Terms Frequency: Date Opened: 02/01/2009 Balance: $0 Date Reported: 10/01/2011 Amount Past Due: Date of Last Payment: 06/2009 Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 02/2010 Months Reviewed: 32 Creditor Classification: Activity Designator: Transfer/Sold Charge Off Amount: $667 Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Credit Card Date of First Delinquency: 08/2009 Comments: Charged off account

Desired Settlement: removal of the LVNV on my credit report.

Business Response:

Please see the attached response.

October 22, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ***** *******; Case/File No. ******** 
Previous Creditor: ***** LLC 
Original Creditor: ****** *** ***** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $841.49 

Dear *** ******** 

This letter is in response to your correspondence dated October 19, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** LLC on or about April 8, 2011. As of the date of this communication, the account balance 
is $841.49. Please review the following account information: 

1. This account originated on February 27, 2009, with ****** *** ***** **** 
2. This account charged off on February 5, 2010, with a balance of $667.91. 
3. The last payment in the amount of $30.00 was received on June 21, 2009. 
4. No payments have been received on this account since Resurgent started servicing it in April 
2011. 
5. Enclosed are a bill statement and an account summary for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The information *** ******* provided in her inquiry indicates that the original 
creditor, ****** *** ***** ****, may be reporting this account to the credit bureaus as well. The original 
creditor may continue to report the history of this account from the origination date to the time of sale. 
We are unable to alter the credit bureau reporting of another creditor. *** ******* should contact the 
respective consumer reporting agencies regarding information she believes is being reported in error. 

In accordance with the Fair Credit Reporting Act, the LVNV tradeline 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 received the electronic dispute that *** ******* submitted through the consumer reporting 
agencies. Resurgent responded in the adequate time by providing the corresponding information to the 
respective consumer reporting agencies. 

Resurgent utilizes third party collection agencies to service accounts on its behalf. This account has been 
placed with various collection agencies since LVNV’s acquisition. Enclosed is a copy of the letter that 
was mailed to *** ******* advising LVNV may report information about her account to the credit 
bureaus. Please note that at the time this letter was mailed, the LVNV tradeline was not being reported to 
the three major consumer reporting agencies. 

The “Date of First Delinquency” marks the beginning of the time period for which negative information 
may remain on a credit bureau report. For a charged-off account, the Date of First Delinquency is the first 
date of the delinquency that led to the charge-off as determined by the original creditor, but is not 
necessarily the first time the account was delinquent. This date is reported in accordance with the 
requirements of the Fair Credit Reporting Act (“FCRA”). The Date of First Delinquency for this account 
is August 4, 2009. A request to delete the LVNV tradeline will be submitted on or before May 2016. 

The consumer reporting agencies’ reporting guidelines have defined a “factoring company” as a company 
or individual who purchases accounts with the intent of collecting debts owed. Therefore, the term is 
accurate in this situation and the account is reported correctly. 

The term “open” in *** Abichat’s credit report does not literally mean that the account is open or can be 
used. That information is one of the data reporting requirements set by the consumer reporting agencies 
and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon 
demand. This is an accurate description of the account, which was charged off and therefore the entire 
balance is delinquent and due. If *** ******* has additional questions related to the credit bureau 
reporting, then she will need to contact the respective consumer reporting agencies. 

If, after review of the above-referenced information, *** ******* believes this account is fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank 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 the previous creditors concerning her dispute, 
it may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 



11/4/2015 Billing/Collection Issues | Complaint Details Unavailable
11/4/2015 Billing/Collection Issues
11/4/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Resurgent Capital Services has purchased debts and are actively trying to collect from me. The debt the presented as possibly my debt is almost 10 years old and well outside any statute of limitations in this country.

Desired Settlement: I would like Resurgent Capital Services to stop contacting me. Also, per the Fair Debt Collection Act, I would like to make sure no reporting has been done to any of the credit bureaus. If there has been any reporting, I would like it removed from my credit reports.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

November 2, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ***** ** ***** Case/File No. ******** 
Previous Creditor: ******** ****** ******** **** 
Original Creditor: ******** ****** ******** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $1,634.84 

Dear *** ******** 

This letter is in response to your correspondence dated October 26, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ******** ****** ******** **** on or about October 18, 2007. As of the date of this 
communication, the account balance is $1,634.84. Please review the following account information: 

1. This account originated on September 25, 2005 with ******** ****** ******** **** and was 
opened with ********* 
2. This account charged off on May 6, 2007 with a balance of $1,066.80. 
3. The last payment in the amount of $55.00 was received on October 6, 2006. 
4. No payments have been received on this account since Resurgent started servicing it in October 
2007. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting and has never reported the account to the major 
consumer reporting agencies. 

The enclosed verification of debt with validation was mailed to *** **** on or about September 28, 
2015 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). 

*** **** is correct that the statute of limitations for seeking legal action, such as a judgment, has 
expired. However, the account balance is still collectible as expiration of the statute of limitations does 
not invalidate the obligation or *** ****’s responsibility for the balance due on this account. 

*** ****’s October 26, 2015 complaint contains language Resurgent has interpreted to mean that we 
cease communication with him. When a cease and desist request is received by our office, Resurgent 
places a restriction on the account so that no further written or verbal contact is made to our customer. 

If, 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 matter. Blank 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 the previous creditors 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 L. P. 

Enclosure 





Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

***** ****

11/4/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am writing you today to lodge a formal complaint against LVNV Funding LLC. This debt collector placed marks on all three of my credit reports (*******, ********, and **********) without proper notification, as I received no dunning notification per required by the FDCPA legislation. I have disputed this account, and asked for verification sending a ***** DV letter (***** code 392- which states they should reply to DV letter or get deleted- it was sent CMRR- July 2014) They failed to respond in the required days with the information that was requested. LVNV Funding LLC, is knowingly reporting false information to the credit reporting bureaus. I never received any correspondence from this company. I’m sure an urgent financial matter such as this would have been sent via certified mail with return receipt requested. I would like to see where I signed for such a delivery.Also, this company has listed themselves on my credit file as a Factoring Company. After reviewing the FDCPA, it is my understanding that Factoring Companies cannot legally purchase accounts that are seriously delinquent in nature or charged off, which is the case for the account that LVNV purchased. In addition, they are listing “Factoring Company” as the Type of Loan on my credit file, and have been doing so for some time. Another error being reported on my credit file by this company is the Type of Account being listed as open. When LVNV purchased this account from the original creditor, the account was charged-off and therefore closed. When entering into any legally binding contract, there should be no terms that can be taken as anything less than literally. Every term needs to be spelled out in the utmost literal sense of the matter. If the account is closed, which it is, it needs to be accurately reflected that way on my credit file. Every piece of information that is listed on my credit report needs to be “literally” true, and I’m quite sure you will agree.

Desired Settlement: I would like to have this acct deleted from all three of my credit reports.

Business Response:

Please see Resurgent's attached response to the referenced complaint.

October 27, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** *****; Case/File No. ******** 
Previous Creditor: ****, LLC 
Original Creditor: ****** *** ***** ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** *******: 

This letter is in response to your correspondence dated October 21, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ****, LLC on or about July 12, 2011. Please review the following account information: 

1. This account originated on March 28, 2008 with ****** *** ***** ***. 
2. This account charged off on May 3, 2010 with a balance of $410.77. 
3. The last payment in the amount of $40.00 was received on February 26, 2010. 
4. No payments have been received on this account since Resurgent started servicing it in July 2011. 

The consumer reporting agencies’ reporting guidelines have defined a “factoring company” as a company 
or individual who purchases accounts with the intent of collecting debts owed. Therefore, the term is 
accurate in this situation and the account is reported correctly. 

****** *** ***** ***. charged off this debt and sold the account. It is likely that ****** ***** believes 
that the “charge-off” means that the debt is satisfied; however, this is not the case. Charge-off is an 
accounting requirement which means that an account has been recognized as unlikely to repay and no 
longer considered an asset to the original creditor. It does not affect the debtor’s responsibility for the 
account debt. After charge-off, an account remains collectible, and if sold, the current owner has the right 
to collect. A charged-off account may remain on a credit report for up to seven years. It is the “Date of 
First Delinquency” that the consumer reporting agencies (also known as “credit bureaus”) use to 
determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is 
September 2, 2009. The tradeline was set to be deleted on or before June 2016. 

After investigating the account, we did not find any evidence of the mishandlings alleged in the 
complaint. Despite these findings, Resurgent has made the business decision to close the account. 
Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer 
reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We 
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. 



Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

****** *****

10/29/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have 2 accounts showing with LVNV where they are displaying inaccurate data on my credit reports. They are a debt collector and are not listing themselves as a debt collection company properly. As a debt buyer they are to display any information related to the debt they bought in the Collection section of my credit report. They have also listed these accounts as opened with a Type of Loan as "Factoring Company Account." They are also listing I have Terms of "1 Month" with them. At no point have I held an account with them that would constitute me having terms or a Factoring Account. They have also raised my balance in excess of $1600 on the one account and $200 on the other without notification of the reasoning. This also is more than allowed by law.

Desired Settlement: All accounts associated to me be removed from all Credit Reporting Agencies. immediately

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

October 5, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ***** ** ********; Case/File No. ******** 
Reference Numbers: ********** ********* 

Dear *** ******** 

This letter is in response to your correspondence dated September 28, 2015 regarding the above-
referenced accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for ***** *. 
********. Resurgent Capital Services LP (“Resurgent”) is the servicer of these accounts owned by 
LVNV. Please review the following account information: 

Account Number: **************** 
Reference Number: ********* 
Original Creditor: **** **** ******* **** 

1. This account originated on October 7, 2006 with **** **** ******* **** and was opened with 
**** *** ********. 
2. This account charged off on February 28, 2010 with a balance of $1,074.84. 
3. This account was purchased from **** *********** *********** *********** ***** ** on 
March 18, 2010. 
4. The last payment in the amount of $25.00 was received on September 14, 2009. 
5. No payments have been received on this account since Resurgent started servicing it in March 
2010. 
6. The current balance of this account is $2,099.32. 
7. Enclosed please find an account summary on file for this account. 

Account Number: ******** 
Reference Number: ********* 
Original Creditor: ****** **** **** 

1. This account originated on May 22, 2007 with* ***** **** **** 

2. This account charged off on September 29, 2009 with a balance of $4,359.55. 
3. This account was purchased from ********** ********* ******** ** ******** **** on June 7, 2013. 
4. The last payment in the amount of $50.00 was received on March 6, 2009. 
5. No payments have been received on this account since Resurgent started servicing it in June 
2013. 
6. The current balance of this account is $9,638.35. 
7. Enclosed please find an account summary on file for this account. 

All ownership rights were transferred to LVNV when these accounts were purchased from the 
previous creditors. Those include the right to collect and report to the consumer reporting agencies (also 
known as “credit bureaus”). Currently, these accounts are being reported to the three major consumer 
reporting agencies on behalf of LVNV. The original creditors may also continue to report the history of 
these accounts from the origination date to the time of sale. 

In accordance with the Fair Credit Reporting Act, the LVNV tradelines are being reported as 
“disputed” to the three major consumer reporting agencies. They will continue to report as such 
throughout the permissible reporting period unless new information indicates that the dispute should be 
removed. 

Resurgent received multiple disputes that *** ******** submitted electronically through the 
consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the 
corresponding information to the respective credit bureaus. 

The consumer reporting agencies’ reporting guidelines have defined a “factoring company” as a 
company or individual who purchases accounts with the intent of collecting debts owed. Therefore, the 
term is accurate in this situation and the accounts are reported correctly. The Terms Duration is reported 
accurately as 1 month, as the entire balance for the account is due upon demand. 

In a previous dispute, *** ******** has claimed that the statute of limitations has expired. 
Although the statute of limitations for seeking legal action, such as a judgment, has expired for these 
accounts, the account balances are still collectible; Expiration of the statute of limitations does not 
invalidate the obligation or *** ********’ responsibility for the balances due on these accounts. 
Additionally, due to Resurgent’s internal policy change, these accounts have not and will not accrue 
additional interest as of January 5, 2015. 

If, after review of the above-referenced information, *** ******** believes these accounts are 
fraudulent, we ask that he provide a completed police/incident report regarding the fraud, or a notarized 
fraud or identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the 
FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 

If these accounts were 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 the previous creditors 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 L. P. 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint. 

Based on the attachment sent by ** ********** the account summary report doesn't match up to what they are saying. 

Resurgent Reference # *********
1) the original Equity one/********** account had a balance at the time of acquisition of $7644.67 but they have a principal amount of $6451.20 listed on the balance summary.
2) they have an interest amount of $3187.15 listed but stated they are no longer adding interest onto the accounts. I want an itemized interest history showing accrued interest by month with valid interest rates given the state of ** restrictions of interest charged.
Resurgent Reference # *********
1) they have an interest amount of $1024.48 listed but stated they are no longer adding interest onto the accounts. I want an itemized interest history showing accrued interest by month with valid interest rates given the state of ** restrictions of interest charged.

Regards,

***** ********

Business Response:

Please see Resurgent's attached response to the referenced complaint.

October 19, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ***** ** ********; Case/File No. ******** 
Reference Numbers: ********** ********* 

Dear *** ******** 

This letter is in response to the additional concerns submitted by ***** ** ********, dated 
October 9, 2015, regarding the above-referenced accounts. LVNV Funding LLC (“LVNV”) owns account 
numbers ending in **** and **** respectively. Resurgent Capital Services LP (“Resurgent”) is the 
servicer of these accounts owned by LVNV. 

As stated in the previous response, due to Resurgent’s internal policy change, these accounts have 
not and will not accrue additional interest as of January 5, 2015. As to *** ********’ specific issue 
regarding the account number ending in ****, the account charged off on September 29, 2009 with a 
balance of $4,359.55. LVNV did not purchase the account until on or about June 7, 2013, when the 
balance was $7,644.67. Since LVNV was not the owner of the account during the time period from 
September 29, 2009 to June 7, 2013, we are unaware of the interest rate charged during that time. 

After investigating the accounts, we did not find any evidence of the mishandlings alleged in the 
complaint. Despite these findings, Resurgent has made the business decision to close the accounts. 
Additionally, a request to delete the LVNV tradelines will be submitted to the three major consumer 
reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We 
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. 

10/29/2015 Billing/Collection Issues
10/28/2015 Billing/Collection Issues
10/28/2015 Billing/Collection Issues
10/27/2015 Billing/Collection Issues | Complaint Details Unavailable
10/27/2015 Billing/Collection Issues
10/26/2015 Billing/Collection Issues
10/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: These people keep sending me collection notice and this debt supposed to have occurred over 14 years ago, in which I have no recollection of. Several times I have requested proof of this debt, all paperwork pertaining to this debt. Today I get another collection notice from them telling me the information I have requested is insufficient for support. They are refusing to send me anything.

Desired Settlement: If information I have requested can not be furnished, please have them not to contact me anymore. Also this so called account/debt is over 14 years old. Isn't there a statue of limitations on this?

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

October 20, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******* *******; Case/File No. ******** 
Previous Creditor: *** ******, LLC 
Original Creditor: ***** ***** ********* **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated October 14, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** ******, LLC on or about November 10, 2008. Please review the following account 
information: 

1. This account originated on May 22, 2000 with ***** ***** ********* ****. 
2. This account charged off on June 30, 2004. 
3. The last payment in the amount of $28.69 was received on June 3, 2008. 
4. No payments have been received on this account since Resurgent started servicing it in November 
2008. 

*** ******* is correct that the statute of limitations for seeking legal action, such as a judgment, has 
expired. However, expiration of the statute of limitations does not invalidate the obligation or *** 
*******’s responsibility for the balance due on this account. After investigating the account, we did not 
find any evidence of the mishandlings alleged in the complaint. However, despite these findings, 
Resurgent has made the business decision to close the account. Currently, LVNV is not reporting the 
account to the major consumer reporting agencies (also known as “credit bureaus”). This account is 
considered resolved in our office and *** ******* should not be contacted by Resurgent or any affiliate 
companies regarding the collection of this account. 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 



Consumer Response:


I accept there will be no more contact.  Also I am still confused about this so called account.  I have never had any dealings with ***** ***** until in the last 7-8 years they have my mortgage.  I still would like to see who signed for this account Resurgent is claiming.  *** *******

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

******* *******

 

I accept there will be no more contact.  Also I am still confused about this so called account.  I have never had any dealings with ***** ***** until in the last 7-8 years they have my mortgage.  I still would like to see who signed for this account Resurgent is claiming.  Mr. *******
I accept there will be no more contact.  Also I am still confused about this so called account.  I have never had any dealings with ***** ***** until in the last 7-8 years they have my mortgage.  I still would like to see who signed for this account Resurgent is claiming.  Mr. *******
I accept there will be no more contact.  Also I am still confused about this so called account.  I have never had any dealings with ***** ***** until in the last 7-8 years they have my mortgage.  I still would like to see who signed for this account Resurgent is claiming.  Mr. *******

10/21/2015 Billing/Collection Issues | Complaint Details Unavailable
10/21/2015 Billing/Collection Issues | Complaint Details Unavailable
10/21/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Debt was satisfied in January 2013 - Judgment went on my credit report in November 2013, which was an error and the funds were returned. However, they will not remove the Judgment from my credit report. I have the Warrant to Satisfy Judgment filed with the Court on March 3, 2013.

Desired Settlement: Removal of Judgment from my credit report.

Business Response:

Please see Resurgent's attached response to the referenced complaint.

October 12, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: **** ** ********; Case/File No. ******** 
Previous Creditor: ** ***** **** 
Original Creditor: ******* ******** ******* *********** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated October 8, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ** ***** **** on or about October 29, 2009. As of the date of this communication, 
the account is considered Satisfied in Full. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those include the right to collect and report to the consumer reporting agencies (also 
known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer 
reporting agencies. We are not the source of public record information reported by consumer reporting 
agencies. If *** ******** wishes to dispute or challenge public record entries, we recommend she 
contact the consumer reporting agency that is reflecting the judgment, ask them for the source of that 
information, and then direct her dispute or challenge to the source of the information. 

Resurgent received *** ********’s final payment of $954.78 on February 6, 2013. The account 
status was updated to Satisfied in Full on February 20, 2013 and the Satisfaction of Judgment was filed 
with the court on March 5, 2013. There have been no subsequent garnishments of *** ********’s bank 
account by or on behalf of Resurgent. 

If you have any further questions, comments or concerns, please contact Customer Service at 
************* 


Sincerely, 

** ********** 
Compliance Department 
Resurgent Capital Services L. P. 

10/21/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have not signed any contract with any credit card company in charge of the alleged count saying I owe a certain amount of money. The company was negligent in contacting letting me know I had a bad credit report from a credit company who failed to acknowledge my concerns of an exceeding debt that I had no knowledge. I also contacted the company to give them proof someone had committed identity theft against me. Stole all of my belongings, as well as certain debit cards of mine, including my social security card. I reported all of my cards stolen with the police when the incident happened. Informed them and gave them the police report file number and they sent me a confirmation letter saying they would restore the balance on the card. Still, the company have not corrected this error. 6 different numbers of companies represented from this company call my phone relentlessly. LVNV have sent a letter which I think is completely inappropriate bc I've contacted the representatives of the company to follow up why the stolen money from the card have not been put back on the card.

Desired Settlement: That I am not responsible for any spent money on credit, because I didn't sign a contract with this credit company. I also was a victim of identity theft and it is documented in a police report to be the truth. I want my credit to be restored from this incident of this company LVNV Funding LLC.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

October 13, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******** **** *****; Case/File No. ******** 
Previous Creditor: ****, LLC 
Original Creditor: ****** *** ***** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $****** 

Dear *** *******: 

This letter is in response to your correspondence dated October 7, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ****, LLC on or about June 9, 2015. As of the date of this communication, the 
account balance is $******. Please review the following account information: 

1. This account originated on September 3, 2014 with ****** *** ***** **** 
2. This account charged off on May 10, 2015 with a balance of $562.17. 
3. No payments have been received on this account since Resurgent started servicing it in June 
2015. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those 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 LVNV. The original creditor may also continue to report the history of 
this account from the origination date to the time of sale. 

Receipt of this complaint is the first communication, written or otherwise, that Resurgent has 
received from ******** ***** regarding the above-referenced account. In accordance with the Fair 
Credit Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted 
to the three major consumer reporting agencies during the next reporting cycle. 

Resurgent utilizes third party collection agencies to service accounts on its behalf. This account 
has been placed with various collection agencies since LVNV’s acquisition. Any notification 
requirements for this account would have been met by these collection agencies. 

******** ***** has not been contacted by Resurgent directly; however, we do not condone 
harassment or unprofessional communication with consumers, as it is our goal to adhere to all state and 
federal laws and regulations concerning the collection of debts. After investigating the account, we did 
not find any evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience. 

Enclosed please find the terms and conditions and bill statements on file for this account. Please 
note that bill statements are included for an account number ending in **** in addition to account number 
ending in **** due to a balance transfer that took place September 15, 2014. It appears that the account 
number ending in **** was acknowledged as lost or stolen by ****** *** **** beginning with the 
September 14, 2014 bill statement. Account number ending in **** later charged off on December 5, 
2014 following the balance transfer to Account ending in ****. Bill statements for the account number 
ending in **** show several purchases and security adjustments on the first bill statement, dated October 
8, 2014. The balance due on the account number ending in **** after the security adjustments, $******* 
continued to accrue interest and late fees until the account charged off May 10, 2015. 

If, after review of 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 matter. Blank 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 the previous creditors concerning 
his/her dispute, it may help with our investigation, so please have him/her 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 L. P. 

Enclosures 












10/20/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have filed this before but can't find paperwork. This company says I owe them. Never heard about this company and know I don't owe them . I haven't been karen borgschatz for almost 10 years and had no outstanding debts with this name I have been married and karen turnbell since Feb 2006. Like I said I already filed a complaint on this matter not sure if this is the same company but do recognize the original creditor as the one from before trying to get my money. I have never had a bill with ******** **** ***. Not sure how to get them to quit harassing me. I sent them a letter denying it a valid debt. Please tell me what to do next.

Desired Settlement: I want a letter from them stating that I have no debt with them do I have something to show them if they harass me again. If this is possibe

Business Response:

Please see Resurgent's attached response to the referenced complaint.

October 8, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ***** ********; Case/File No. ******** 
Previous Creditor: ******* ********** ********* LLC 
Original Creditor: ******** **** *** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated October 5, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ******* ********** ********* LLC on or about September 18, 2008. This account 
originated on October 1, 1989 with ******** **** *** and was opened with ********* ****** ********* 
*****, LLC. No payments have been received on this account since Resurgent started servicing it in 
September 2008. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those include the right to collect and report to the consumer reporting agencies (also 
known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer 
reporting agencies. 

Resurgent utilizes third party collection agencies to service accounts on its behalf. This account 
has been placed with various collection agencies since LVNV’s acquisition. *** ******** has not been 
contacted by Resurgent directly; however, we do not condone harassment or unprofessional 
communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations 
concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our 
behalf. After investigating the account, we did not find any evidence of the mishandlings alleged in the 
complaint. Despite these findings, Resurgent has made the business decision to close the account. We 
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. 




10/15/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: While refinancing my home, I found a collection issue with LVNV Funding through Resurgent. I called them and finalized the bill with them within hours. I asked them for a copy of the paid receipt and a WARRANT of Satisfaction Or Judgement. I couldn't close any of my refinancing until they did this. They said no problem they would send it. This was back in early June. I called again in late June and they said they had no record of me calling and requesting the warrant but they sent me the paid in full notice. They claim they are a company that only collects money, they don't do WARRANTS, THEY OUT SOURCE. They send all clients infos to attorneys, (to which they claim they do not keep records of, so there is no way of researching anything). I called in August again, and got the same B***S***. It is now September, And I have called 4x already this month, my bank, husband, and title company have all called and gotten the same answer, (that they don't handle that stuff) I don't know what to do. They are holding this hostage over me. IM FED UP!!!!!!!! AND WHEN ASKING FOR A MANAGER, THEY NEVER GIVE YOU ONE. THEY JUST KEEP TRANSFERRING YOU TO DIFFERENT PEOPLE.

Desired Settlement: I WANT THE ATTONEYS INFO OF WHO THEY SENT MY INFORATION TO. AND I WANT THE WARRANT OF JUDGEMENT/SATISFACTION ASAP. (MAILED & EMAILED) I ALSO WANT ALL OF THIS NONSENSE REMOVED FROM ALL 3 CREDIT BUREAUS.

Business Response:

Please see Resurgent's attached response to the referenced complaint.

Dear *** *******: 

This letter is in response to your correspondence dated September 16, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ******** (***** ******), **** on or about January 3, 2007. Please review the 
following account information: 

1. This account originated on April 2, 2002 with ******** (***** ******), **** and was opened 
with ***** ******* ****. 
2. This account charged off on December 27, 2006 with a balance of $3,020.47. 
3. The last payment in the amount of $1,350.00 was received on May 27, 2015. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting 
agencies. Resurgent received the multiple electronic disputes that **** ****** submitted through the 
consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the 
corresponding information to the respective consumer reporting agencies. 

This account was satisfied in full on May 27, 2015 for $1,350.00. The status of the account was updated 
to "Satisfied in Full" on May 27, 2015. The release of judgment process was initiated by Resurgent June 
1, 2015. Additionally, our servicer has advised a satisfaction of judgment was filed with the court on 
September 21, 2015. **** ****** will receive a copy of the satisfaction of judgment by mail. The account 
is considered resolved in our office. We apologize for any inconvenience. 

We are not the source of public record information reported by consumer reporting agencies. If **** 
****** wishes to dispute or challenge public record entries, we recommend that she 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 you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 

Consumer Response: Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint. This is an unacceptable response due to the fact that I have been waiting for this result since May. From past experience I know it has taken 24-48 hours to get a copy of the warrant from other companies. There is absolutely no reason that after waiting 4 months, I still don't have theirs. I've called several times every month since May and always get a runaround. I need this judgment satisfaction immediately, I want it emailed, faxed , or overnighted to me (or I want all of the above). This is a time sensitive matter and it has been WAY TOO LONG. Regards, ******* ******

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

October 2, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******* ******; Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to the additional concerns submitted by **** ****** dated September 28, 2015 
regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number 
ending in ****. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by 
LVNV. 

**** ********* spouse, Justin ******, contacted Resurgent September 30, 2015 and Resurgent faxed *** 
****** a copy of the Warrant to Satisfy Judgment per his request. Additionally, please find enclosed a 
copy of the Warrant to Satisfy Judgment. Please note that Resurgent takes its customer service and 
consumer protection obligations very seriously and has significant staff dedicated to its compliance-
related functions in order to identify, resolve and permanently correct operational deficiencies or improve 
upon customer concerns. We 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. 

Enclosure 

10/14/2015 Billing/Collection Issues
10/14/2015 Billing/Collection Issues | Complaint Details Unavailable
10/13/2015 Billing/Collection Issues | Complaint Details Unavailable
10/13/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: The company is still trying to bill me for a settlement that was paid and closed about 5 or 6 years ago.This is the 3rd time that the have done this. I have placed a complaint before. I wish they would stop doing this.

Desired Settlement: I do not owe this bill. I would like for them to stop sending me this bill. It was paid off in a settlement.

Business Response:

Please see the attached response.

September 30, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** ********; Case/File No. ******** 
Previous Creditor: ******* ****** **********, Inc. 
Original Creditor: ********* **** (**), **** 
Current Owner: **** LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $1,241.23 

Dear *** ******** 

This letter is in response to your correspondence dated September 28, 2015, regarding the above-
referenced account. **** LLC ("****") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by ****. The account was previously 
sold by ******* ****** **********, Inc. on or about September 15, 2006. As of the date of this 
communication, the account balance is $1,241.23. Please review the following account information: 

1. This account originated on February 11, 2002, with ********* **** (**), **** 
2. This account charged off on February 28, 2004. 
3. The last payment in the amount of $100.00 was received on May 10, 2004. 
4. No payments have been received on this account since Resurgent started servicing it in 
September 2006. 
5. Enclosed is an account summary for your review. 

All ownership rights were transferred to **** when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, **** is not reporting the account to the major consumer reporting 
agencies. 

*** ********’s complaint contains language Resurgent has interpreted to mean that we cease 
communication with her. When a cease and desist request is received by our office, Resurgent places a 
restriction on the account so that no further written or verbal contact is made to our customer. 

If, after review of the above-referenced information, *** ******** believes this account is fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's 
website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 

Resurgent contacted the previous creditor to verify any payment arrangements. The previous creditor has 
confirmed that this account was not satisfied. 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 the previous creditors concerning her 
dispute, it may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 


10/13/2015 Billing/Collection Issues | Complaint Details Unavailable
10/13/2015 Billing/Collection Issues | Complaint Details Unavailable
10/13/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Myself and ****** Bank have been trying get my Release of Lien on said property **** ****** ******* ******** ** *****. I have paid in full. It was paid in full in the year 2011 and I haven't received anything yet. All, I want is my Release of Lien, I have served my country for over 20 years and now this company is stopping my dream of purchasing a new home. I didn't file bankruptcy, I paid my debts. Please help!

Desired Settlement: Release of Lien on property

Business Response:

Please see Resurgent's attached response to the referenced complaint.

October 2, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** ** ******; Case/File No. ******** 
Previous Creditor: ******* ******* L.L.C. 
Original Creditor: ******* 
Current Owner: **** LLC 
Account Number: ******** 
Reference Number: ********* 

Dear *** ******** 


This letter is in response to your correspondence dated September 22, 2015 regarding the above-
referenced account. **** LLC ("****") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by ****. The account was previously 
sold by ******* ******* L.L.C. on or about November 8, 2011. 

We have verified this account is paid in full, and *** ****** should not be contacted by 
Resurgent or any affiliate companies regarding the collection of this account. 

A search of the ****** ****** Register of Deeds for ****** ******, ********* does not show a 
lien attached to the property located at **** ****** ******* *******, ********* *****. A Deed of Trust 
Assignment was located when a search for the name ****** ****** was performed on the ****** ****** 
Register of Deeds. We are still researching the steps necessary to release this Deed of Trust Assignment 
associated with *** ******’s name. If *** ****** or ******* Bank has additional information regarding 
a lien on the property located at **** ****** ******* please 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 L. P. 



10/8/2015 Billing/Collection Issues
10/8/2015 Billing/Collection Issues
10/8/2015 Billing/Collection Issues
10/7/2015 Billing/Collection Issues
10/5/2015 Billing/Collection Issues
10/5/2015 Problems with Product/Service
9/29/2015 Billing/Collection Issues | Complaint Details Unavailable
9/28/2015 Billing/Collection Issues
9/28/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Lvnv and resurgent capital service is reporting an account on my credit report as collection with this account number ***************** This reporting is inaccurate, several attempts to reach lvnv to prove the debt has failed, disputes with the credit bureas has not also provided debt information, my account with ************ is reporting legally paid. I want the company to provide me with debt validation and and payment history with the account since my original creditor is reporting account paid, failure to is a violation and account should be deleted from my credit bureaus with immediate effect

Desired Settlement: the company has the responsibility to provide me with proof of debt and validation and payment history from my original creditor since my original creditor is reporting debt paid

Business Response:

Please see Resurgent's attached response to the referenced complaint.

September 23, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** *************; Case/File No. ******** 
Previous Creditor: **** ******** *** 
Original Creditor: **** **** ******* **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** *******: 

This letter is in response to your correspondence dated September 16, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by **** ******** LLC on or about May 9, 2013. Please review the following account 
information: 

1. This account originated on June 19, 2008 with **** **** ******* ***. and was opened with 
**** **** 
2. This account charged off on July 31, 2010. 
3. The last payment in the amount of $78.38 was received on May 16, 2010. 
4. No payments have been received on this account since Resurgent started servicing it in May 
2013. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those 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 LVNV. The 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 agencies. 

Our records indicate that a lawsuit was filed on in Civil Court of the City of *** ***** ***** 
County, *** **** and Docket No. ********* was dismissed without prejudice. 

After investigating the account, we did not find any evidence of the mishandlings alleged in the 
complaint. Despite these findings, Resurgent has made the business decision to close the account. 

Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer 
reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We 
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. 



Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

****** *************

9/24/2015 Problems with Product/Service
9/23/2015 Billing/Collection Issues | Complaint Details Unavailable
9/23/2015 Billing/Collection Issues
9/22/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I found out from the credit reporting bureaus *******, ********** and ******** that there was a negative account under "LVNV Funding LLC" under account number ************* Resurgent/LVNV has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters seeking this verification and to this date Resurgent/LVNV has failed to provide the information requested. Resurgent/LVNV is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately.Resurgent/LVNV Funding has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Resurgent currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding or Resurgent Capital Services possess adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt and they have the right to collect this debt, I ask they provide documentation verifying the debt is mine. The undersigned's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Resurgent/LVNV Funding shall immediately remove this account from all three (3) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.

Desired Settlement: Removal of account from the 3 credit bureaus: *********** ******** and *********

Business Response:

Please see the attached response.

September 11, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ******* ** *******; Case/File No. ******** 
Reference Number: ********* 

Dear *** *******: 

This letter is in response to your correspondence dated September 8, 2015, regarding the above-
referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in ***** 
Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. 

Resurgent would like to thank *** ******* for bringing this matter to our attention. After investigating 
the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these 
findings, the following account has been closed. Additionally, a request to delete the LVNV tradeline will 
be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 
30 to 45 days for this update to occur. We apologize for any inconvenience experienced regarding this 
account. 

Acct No. **************** 
Reference No. ********* 
Original Creditor: **** **** ******* **** 

If you have any further questions, comments or concerns, please contact Customer Service at ******** ***** 

Sincerely, 

** ****** 
Compliance Department 
Resurgent Capital Services L.P. 

9/22/2015 Problems with Product/Service
9/21/2015 Billing/Collection Issues
9/21/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Resurgent Capital Services is attempting to collect a debt for 760.95 originally from **** that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been first delinquent in July 2008. This places the debt outside the 6 year statute to be collected on, and past the 7 year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.

Desired Settlement: close this debt and cease all collection activities. Do not attempt to report this on my credit files.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

September 14, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: **** ** ****; Case/File No. ******** 
Previous Creditor: ***** ********* ********* *** 
Original Creditor: **** **** ******* **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated September 9, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** ********* ********, LLC on or about September 23, 2011. Please review the following 
account information: 

1. This account originated on October 11, 2006 with **** **** ******* **** 
2. This account charged off on January 31, 2009. 
3. The last payment in the amount of $35.00 was received on May 23, 2008. 
4. No payments have been received on this account since Resurgent started servicing it in 
September 2011. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). 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 1, 2008. 
Currently, LVNV is not reporting the account to the major consumer reporting agencies, and stopped 
reporting due to the expiration of the legal reporting period on or around April 2015. 

*** **** is correct that the statute of limitations for seeking legal action, such as a judgment, has 
expired. However, expiration of the statute of limitations does not invalidate the obligation or *** *****s 
responsibility for this account. 

After investigating the account, we did not find any evidence of the mishandlings alleged in the 
complaint. Despite these findings, Resurgent has made the business decision to close the account. *** 

**** should not be contacted by Resurgent or any affiliate companies regarding this account. We 
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. 




9/14/2015 Billing/Collection Issues
9/14/2015 Problems with Product/Service | Complaint Details Unavailable
9/14/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Hello - I wrote a letter on 5/5/2015 (attached) requesting back-up (and a copy of the contract) for ***** 510.14 bill that I received. I have no idea what it is for, since it's so large I would think that I would know something about it. I have absolutely no idea what this is about. I received a response (letter) yesterday denying my request. How do you deny a "client's" request for back-up for a bill that you send?? I have never ever heard of that. I look forward to your response.

Desired Settlement: I want a copy of a contract that I would have signed and I also want an itemized breakdown of the bill that totals $55,510.14 Thank you

Consumer Response:

Thank you for your response, but this still doesn’t help me.    I did not say that the account is fraudulent. If you re-read original the letter I sent back in May, I said it could be, didn't say it was.  I need you to prove to me that this $55,000.00 bill, that goes back 15 years, is in fact mine.  That's a large amount for some to "just pay"  Please provide me with back up.  Thank you 
*****

 

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

August 24, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******* *******; Case/File No. ******** 
Previous Creditor: *** ******** *********** ******* 
Original Creditor: ******** ****** ******** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $55,510.14 

Dear *** ******** 

This letter is in response to your correspondence dated August 20, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** ******** *********** ******* on or about September 25, 2012. As of the date of this 
communication, the account balance is $55,510.14. Please review the following account information: 

1. This account originated on May 1, 2000 with ******** ****** ******** **** 
2. This account charged off on January 3, 2003. 
3. The last payment in the amount of $75.00 was received on July 23, 2014. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting, and has never reported, the account to the major 
consumer reporting agencies. 

Our records indicate that a lawsuit was filed in ********** District Court, ********* County, 
************* and Case No. ********* was dismissed without prejudice. The account balance is still 
collectible. 

*** ******* states in her BBB inquiry that she received a response letter denying her request for 
verification of debt. A letter including the validation notice was mailed to *** ******* on May 15, 2015 
and verification of debt was mailed to *** ******* on June 26, 2015 in compliance with the Fair Debt 
Collection Practices Act (“FDCPA”). Enclosed is a copy of the letters for *** ********* review* **. 
******* may be referring to the letter dated August 11, 2015 from Resurgent, enclosed, which advised the 

information she provided in her original dispute letter, dated May 5, 2015, was insufficient to support her 
claim that the account is fraud. 

If, after review of the above-referenced information, *** ******* believes this account is fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's 
website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. Additionally, a blank 
copy is enclosed for convenience. 

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 previous creditors concerning her dispute, it 
may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

August 31, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******* *******; Case/File No. ******** 
Reference Number: ********* 

Dear *** *******: 

This letter is in response to the additional concerns submitted by *** ******* dated August 26, 2015 
regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number 
ending in ****. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by 
LVNV. 

Verification of debt was mailed to *** ******* on June 26, 2015 in compliance with the Fair Debt 
Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter. This account has been properly 
verified, as required by the FDCPA. As part of our investigation we requested documents from the 
previous owner(s). Unfortunately however, we are unable to obtain documents from the previous 
owner(s). 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

Enclosure(s) 

9/9/2015 Billing/Collection Issues | Complaint Details Unavailable
9/9/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: They obtained a default judgment against us which we paid on July 22nd 2015 for the full settlement amount. They stated that they would be filing a Satisfaction of judgment form with the court, which they have yet to do. We are in the process of a mortgage and the lack of action from this company may result in our home purchase not happening. Per state law in the state in which the judgment is filed they HAVE to file the satisfaction of judgment within 10 days, it has now been 12 days and no paperwork has been filed. I request the satisfaction of judgment form be filed immediately and updated information get sent to all 3 credit bureaus. Today I spoke with supervisor Jessica who informed me that because I took my time paying it, they could take their time sending in the form. That is not only against the law but unethical. Please resolve this matter immediately.

Desired Settlement: I request the satisfaction of judgment form be filed immediately and updated information get sent to all 3 credit bureaus.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

August 12, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******* ********; Case/File No. ******** 
Previous Creditor: ***** ********* ********* *** 
Original Creditor: **** **** **** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated August 4, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** ********* Services, LLC ("*****") on or about September 23, 2011. Please review the 
following account information: 

1. This account originated on August 31, 2004 with **** **** **** **** and was opened with 
**** **** 
2. This account charged off on July 31, 2006. 
3. The last payment in the amount of $3,226.67 was received on July 23, 2015. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting 
agencies. We are not the source of public record information reported by consumer reporting agencies. If 
*** ******** wishes to dispute or challenge public record entries, we recommend 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 the source of the information. 

We have verified this account was satisfied in full on July 23, 2015 for $3,226.67. The status of the 
account was updated to "Satisfied in Full" on July 27, 2015. The account is considered resolved in our 
office, and *** ******** should not be contacted by Resurgent or any affiliate companies regarding this 
account. Additionally, a request to release the judgment was sent to the court on August 10, 2015. Our 
records indicate the request has been received by the court. 

Regarding *** ********’s concerns about the release of judgment filing requirements, ********* courts 
require satisfaction of judgment to be filed within thirty (30) days of payment. Resurgent has met that 
requirement. Additionally, as part of our investigation, Resurgent reviewed the August 3, 2015 call *** 
******** references in his inquiry. Resurgent does not condone unprofessional communication with 
consumers. As such, the issue has been addressed with the representative *** ******** spoke with. We 
apologize for any inconvenience *** ******** may have experienced. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 
Sincerely, 

** ******** 
Compliance Department 
Resurgent Capital Services L.P. 




Consumer Response: Better Business Bureau:

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 of yet the court still has not receive the request to list the judgment as satisfied.  It needs to be done by tomorrow to comply with the law in *********. This is not acceptable.

Regards,

******* ********

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

August 25, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ******* ********; Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to the additional concerns submitted by ******* ******** dated August 21, 2015 
regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number 
ending in ***** Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by 
LVNV. 

The Satisfaction of Judgment was mailed to the ****** County District Court (“Court”) on August 10, 
2015, via UPS Next Day Air Saver, and received by the Court on August 11, 2015. The tracking number 
for the package is ****************** , and enclosed is a copy of the proof of delivery showing the 
package was delivered on August 11, 2015 at 9:38 A.M. Below is the Court’s address: 

****** County District Court 
***** * ***** ******** 
**** ******* **  ******** ******  ********* ** ********** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 

** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

Enclosure(s) 

9/9/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I recently ran my credit report from all 3 of the major agencies. To my surprise, I found LVNV Funding, LLC (affiliate of Resurgent) on my reports, citing I owe money to their company, and now am in collections. I have not received any notice, dunning letters, or any other efforts to prove I am liable or to collect. I have lived at the same address for over 5 years, and worked for the same employer for over 14. So if they wanted to reach me, I am sure they could.just recently I contacted them twice but my situation was not resolved. I think this is unfair, and should be removed from my credit report because it damages my future attempts at credit, mortgages.

Desired Settlement: Remove their trade line from my credit report .

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

August 25, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** ** *******; Case/File No. ******** 
Previous Creditor: ******** ******* Inc. 
Original Creditor: ******* 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated August 21, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ******** ******* Inc. on or about April 30, 2015. Please review the following account 
information: 

1. This account originated on May 5, 2014 with ******* and was opened with ********* 
**********. 
2. This account charged off on December 29, 2014 with a balance of $41.00. 
3. The last payment in the amount of $4.00 was received on July 11, 2014. 
4. No payments have been received on this account since Resurgent started servicing it in April 
2015. 

After investigating the account, we did not find any evidence of the mishandlings alleged in the 
complaint. Despite these findings, Resurgent has made the business decision to close the account. 
Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer 
reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We 
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. 



9/9/2015 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I've never done business with this company yet a woman from this company called my cell number unsolicited, did not give her name or organization, called me by my maiden name (changed nearly 20 years ago) and asked me to verify my SSN. I told her I would give her no such information without telling me who she is and why she is asking. She stated she could not tell me unless I confirmed who I was. I explained that was pretty stupid since she called me and immediately asked me for my personal information. She refused to identify herself and hung up. My husband called the number from his phone and a recording announced that it was Resurgent Capital, a debt collection agency. If there were a debt for them to collect, it wouldn't be to me as my maiden name. This was an unsolicited call from an unprofessional associate, the business phone system was hacked, or the business has very unprofessional policy.

Desired Settlement: I don't wish to be contacted by this business again unless they will identify themself and exain the reason for their call.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

September 1, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ******* ** *********; Case/File No. ******** 
Previous Creditor: ************ ***** **** 
Original Creditor: ************ ***** **** 
Current Owner: **** *** 
Account Number: ******************* 
Reference Number: ******** 

Dear *** ******** 

This letter is in response to your correspondence dated August 27, 2015 regarding the above-referenced 
account. **** *** ("****") owns the account number ending in ***** Resurgent Capital Services LP 
("Resurgent") is the servicer of the account owned by ****. The account was previously sold by 
************ ***** **** on or about May 10, 2002. Please review the following account information: 

1. This account originated on October 1, 1997 with ************ ***** **** and was opened with 
**** 
2. The last payment in the amount of $22.00 was received on January 31, 2009, with total payments 
received of $1,314.00 since Resurgent began servicing the account in May 2002. 

In consideration of the payments received on the account, Resurgent has closed the account as paid. The 
status of the account was updated to "Satisifed in Full" on September 1. The account is considered 
resolved in our office, and *** ********* should not be contacted by Resurgent or any affiliate 
companies regarding this account. 

If you have any further questions, comments or concerns, please contact Customer Service at ******** ***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P.

9/2/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Lvnv funding bought an old debt of mine from ********** financial, who in turn used to be ******** ******* *******. When lvnv funding reported this to the credit reporting agencies they called it new debt and it started the 7 year limit for reporting debts on credit reports over. Since the debt was so old I don't have any paperwork from then. I've disputed it twice on all the reporting agencies websites and both times I lost. I'm going to have to take them to court. To add to everything, when I defaulted on the original loan I had the balance paid down to $600 but when lvnv funding took over they added $1000 to make it $1,600!! Wtf!! How can they get away with this?

Desired Settlement: Lower the amount "owed" back to what it was when I defaulted and change the status to collection instead of a new account. I would like it removed completely since the 7 years since my default passed in February 2015

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

August 19, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** *** ******; Case/File No. ******** 
Previous Creditor: ********** ********* ******** Of *******, Inc. 
Original Creditor: ********** ********* ********, Inc. (formerly known as “******** 
******* *******”) 
Current Owner: LVNV Funding LLC 
Account Number: ****** 
Reference Number: ********* 
Current Balance: $670.93 

Dear *** *******: 

This letter is in response to your correspondence dated August 17, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ********** ********* ******** Of *******, Inc. on or about June 7, 2013. As of the date of this 
communication, the account balance is $670.93. As a courtesy, the interest balance of $981.49 has been 
removed. Please review the following account information: 

1. This account originated on February 21, 2008, with ********** ********* ********, Inc. 
2. This account charged off on August 6, 2009, with a balance of $602.17. 
3. The last payment in the amount of $500.00 was received on September 2, 2008. 
4. No payments have been received on this account since Resurgent started servicing it in June 
2013. 
5. Enclosed is an account summary for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The 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 agencies. It will continue to report as such throughout the permissible 

reporting period unless new information indicates that the dispute should be removed. Furthermore, this is 
being reported as an account in collections. 

Resurgent received the multiple electronic disputes that *** ****** submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. 

The “Date of First Delinquency” is used in calculating the seven-year period that derogatory information 
remains on a credit report. The “Date of First Delinquency” for this account is April 6, 2009. A request to 
delete the LVNV tradeline will be submitted to the consumer reporting agencies on or before about 
January 2016. Additionally, please note that due to the removal of the interest on the above account the 
new balance of $670.93 will reflect with the credit bureaus. Please allow 30 to 45 days for this update to 
occur. 

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 matter. Blank 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 the previous creditors 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 L.P. 

Enclosure(s) 

9/2/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have never received any bills of resurgent and noticed they a collections account against me on my credit report. The original creditor is 12 ********** ************** and that account has reached the statute of limitations. Do not understand how they can report a bad account without ever contacting me.

Desired Settlement: Correction made to my credit report

Business Response:

Please see the attached response.

August 24, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ********* ** ****; Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated August 21, 2015, regarding the above-referenced 
account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in ****. Resurgent 
Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. 

Resurgent would like to thank *** **** for bringing this matter to our attention. After investigating the 
account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these 
findings, the following account has been closed. Additionally, a request to delete the LVNV tradeline will 
be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 
30 to 45 days for this update to occur. We apologize for any inconvenience experienced regarding this 
account. 

Acct No. ********* 
Reference No. ********* 
Original Creditor: ********** *************** **** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 

** ****** 
Compliance Department 
Resurgent Capital Services L.P. 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

********* ****

8/27/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Principal Name: LVNV Funding LLC # 1 Address: *** ***** **** ***** * *** ****** ** ***** File Number: ******** Status: Active Date Filed: 2/7/2006 Cancellation Date: Phone: Bonding Company: *** ********* Company Bond No: ********* Please see attached – LVNV Funding The above company is reporting an alleged debt on my credit report with all three credit reporting agencies. In accordance with ***** law, *** ***, I have twice requested this company provide proof that this is in fact my debt and that I have a legal obligation to pay this firm. They have ignored all requests made in writing and I have proof that the correspondence was delivered and received. According the *** ***, the firm has 30 days to investigate and provide proof. They have failed to do either and have ignored my request that they delete this tradeline from all 3 credit bureaus as *** *** requires. LVNV Funding is now in violation of ***** law including failure to investigate, failure to inform and continued collection activities. As they an entity conducting business in the state of ***** and seemingly completely ignoring pertinent laws, and a citizen of *****, I am turning to my Attorney Generals Office to seek resolution in this matter.

Desired Settlement: Immediate removal of reporting from all three credit reporting agencies and the agreement to cease all collection activity, close files and never sell.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

August 19, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** ****; Case/File No. ******** 
Reference Numbers: ********** ********* 

Dear *** ******** 

This letter is in response to your correspondence dated August 13, 2015 regarding the above-referenced 
accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for *** ****. Resurgent 
Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the 
following account information: 

Account Number: **************** 
Reference Number: ********* 
Original Creditor: ***** **** **** ***. 

1. This account originated on November 29, 2006 with ***** **** **** ***. and was opened 
with ******** ***** **** 
2. This account charged off on November 30, 2009 with a balance of $8,419.29. 
3. This account was purchased from ***** **** **** ***. on April 8, 2011. 
4. The last payment in the amount of $240.00 was received on April 17, 2009. 
5. No payments have been received on this account since Resurgent started servicing it in April 
2011. 
6. The current balance of this account is $10,312.59. 

Account Number: **************** 
Reference Number: ********* 
Original Creditor: ***** **** **** ***. 

1. This account originated on May 16, 2007 with ***** **** **** ***. and was opened with 
******** ***** **** 
2. This account charged off on July 31, 2009 with a balance of $6,881.26. 
3. This account was purchased from ***** **** **** ***. on April 8, 2011. 
4. The last payment in the amount of $300.00 was received on December 16, 2008. 
5. No payments have been received on this account since Resurgent started servicing it in April 
2011. 
6. The current balance of this account is $8,432.63. 

All ownership rights were transferred to LVNV when these accounts were purchased from the previous 
creditors. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). As a courtesy, due to the approaching expiration of the legal credit reporting period for 
the accounts, a request to delete the LVNV tradeline will be submitted during our next reporting cycle for 
both accounts. 

Resurgent received multiple disputes that *** **** submitted electronically through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective credit bureaus. 

Regarding the account ending in ***** our records indicate that a lawsuit was filed in *** County Justice 
of the ***** Court, ***** and Case No. ********* was dismissed without prejudice. The statute of 
limitations for seeking legal action has expired; however, the account balance is still collectible. 

Regarding *** ****’s claim that Resurgent did not respond to her inquiries, Resurgent provided the 
enclosed letter dated December 3, 2014 to *** ****’s attorney, Justin Nichols, who our records indicate 
represents *** **** regarding the account ending in ***** The letter includes bill statements and an 
account summary on file for the account. Resurgent did not respond to *** ****’s subsequent letters 
regarding the account ending in **** because her letters requested Resurgent cease contact with her. 
Additionally, regarding the account ending in ****, Resurgent provided the enclosed letter dated June 17, 
2015 to *** ****. The letter includes a bill statement and account summary on file for the account. 
Resurgent did not respond to *** ****’s subsequent letters regarding the account ending in **** 
because her letters requested Resurgent cease contact with her. When a cease and desist request is 
received by our office, Resurgent places a restriction on the account so that no further written or verbal 
contact is made to our customer. Additionally, these accounts have been properly verified, as required by 
the Fair Debt Collection Practices Act (“FDCPA”). 

If, after review of the above-referenced information, *** **** believes these accounts are fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's 
website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 

If these accounts were 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 the previous creditors concerning her dispute, it 
may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 




8/26/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LVNV has shown on my credit report under collections and I done a little research which concludes that this is some sort of scam. I want them removed from my credit report and for them to leave me alone.

Desired Settlement: I want their collections account removed from my credit report immediately.

Business Response:

Please see the attached response.

August 12, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** *****; Case/File No. ******** 
Previous Creditor: ***** *** 
Original Creditor: ****** *** ***** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $898.80 

Dear *** ******** 

This letter is in response to your correspondence dated August 11, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** *** on or about April 10, 2015. As of the date of this communication, the account 
balance is $898.80. Please review the following account information: 

1. This account originated on February 13, 2014, with ****** *** ***** **** 
2. This account charged off on March 19, 2015, with a balance of $898.80. 
3. The last payment in the amount of $25.00 was received on August 13, 2014. 
4. No payments have been received on this account since Resurgent started servicing it in April 
2015. 
5. Enclosed are bill statements, an account summary and terms and conditions for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The 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, a request to update the LVNV tradeline as “disputed” 
will be submitted to the three major consumer reporting agencies during the next reporting cycle.

Resurgent received the electronic dispute that *** ***** submitted through the consumer reporting 
agencies. Resurgent responded in the adequate time by providing the corresponding information to the 
respective consumer reporting agencies. 

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 matter. Blank 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 the previous creditors 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 L.P. 

Enclosure(s) 

Please read the following important notices as they may affect your rights. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. This 
communication is from a debt collector. 

Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt, or 
any portion of it, we will assume this debt is valid. If you notify us in writing within 30 days after 
receiving this notice that you dispute the validity of this debt, or any portion of it, we will obtain 
verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or 
verification. If you request of us in writing, within 30 days after receiving this notice, we will provide you 
with the name and address of the original creditor, if different from the current creditor. 








8/20/2015 Billing/Collection Issues | Complaint Details Unavailable
8/18/2015 Problems with Product/Service
8/17/2015 Billing/Collection Issues
8/13/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: To Whom It May Concern: I am writing you today to lodge a formal complaint against Resurgent/LVNV Funding LLC. This debt collector placed marks on all three of my credit reports (******** ********, and **********) without proper notification, as I received no dunning notification per required by the FDCPA legislation. Credit reporting is considered collection activity. This company *** ** * **** *** ****** ******** ******* and has effectively destroyed my chances of getting a mortgage, as they have also incorrectly listed the credit limit, and balance delinquency activity. Additionally, they have listed this item as a Factoring Lender, when per FCRA collection companies are not. They have also reported this account to all three major reporting bureaus as being opened in 2009, however, I have never entered into any legal agreement or contract with this company, nor any of its affiliates, which is a clearly misleading reporting tactic. I am requesting your office look into these allegations and help me procure a deletion from all three credit reporting agencies until this company can successfully validate my debt as they are mandated by law to do. I am considering legal action against Resurgent/LVNV, however, I felt compelled to urge your office to help me in my crusade to remove LVNV Funding and reestablish my name and credit. I am not sure if this debt is mine or not, however, their inability to provide correct addresses, dates, validation, and their intentional act of misleading their reporting should be enough to sue them, and should be enough for your office to force their compliance in this issue.

Desired Settlement: In order for this issue to be considered resolved, I would like this account to be removed from all three credit bureaus (******** ********* *** **********) immediately.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

August 3, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******* ** *****; Case/File No. ******** 
Previous Creditor: *** ************ *** 
Original Creditor: ****** *** ***** ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $1,275.77 

Dear *** ******** 

Please note that Resurgent takes its customer service and consumer protection obligations very seriously 
and has significant staff dedicated to its compliance related functions in order to identify, resolve and 
permanently correct operational deficiencies or improve upon customer concerns. We respectfully 
disagree with *** ******* statements regarding our company’s practices. ** ** *** **** *** **** **  **** *** ** * ****** **** *** ******* ***** ******** ****** ******** ******* 

This letter is in response to your correspondence dated July 27, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** ************ *** ******* on or about September 15, 2009. As of the date of this 
communication, the account balance is $1,275.77. Please review the following account information: 

1. This account originated on October 8, 2008 with ****** *** ***** ***. 
2. This account charged off on August 14, 2009 with a balance of $704.56. 
3. The last payment in the amount of $35.00 was received on January 9, 2009. 
4. No payments have been received on this account since Resurgent started servicing it in 
September 2009. 
5. Enclosed are bill statements and an account summary for *** ******* review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received 
from *** ***** regarding the above-referenced account. In accordance with the Fair Credit Reporting Act 
(“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major 
consumer reporting agencies during the next reporting cycle. Additionally enclosed is a copy of the letter 
dated September 17, 2009 mailed to *** ***** advising a negative credit report may be submitted to the 
credit reporting agencies if the account was not paid. 

The “Date of First Delinquency” marks the beginning of the time period for which negative information 
may remain on a credit bureau report. For a charged-off account, the Date of First Delinquency is the first 
date of the delinquency that led to the charge-off as determined by the original creditor, but is not 
necessarily the first time the account was delinquent. This date is reported in accordance with the 
requirements of the Fair Credit Reporting Act (“FCRA”). The Date of First Delinquency for this account 
is February 13, 2009. A request to delete the LVNV tradeline will be submitted to the three major 
consumer reporting agencies on or around November 2015. 

The consumer reporting agencies’ reporting guidelines have defined a “factoring company” as a company 
or individual who purchases accounts with the intent of collecting debts owed. Therefore, the term is 
accurate in this situation and the account is reported correctly. 

The term “open” in *** ******* credit report does not literally mean that the account is open or can be 
used. That information is one of the data reporting requirements set by the consumer reporting agencies 
and is a “portfolio type” which we report as “Open,” meaning only that the entire balance is due upon 
demand. This is an accurate description of the account, which was charged off and therefore the entire 
balance is delinquent and due. If *** ***** has additional questions related to the credit bureau reporting, 
then he will need to contact the respective consumer reporting agencies. 

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 matter. Blank 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 *** ************ *** 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 L.P. 

Enclosure(s) 






Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.  

*** ******** 
Thank you for your prompt attention in this matter, however, after reviewing the response from Resurgent Capital Services, LLC, I do not consider this matter resolved. As I stated in my initial complaint, I have had no interaction, nor did I enter into any legal contract with Resurgent Capital Services, LLC; nor LVNV Funding, LLC. In the response from Resurgence, a letter is referenced dated September 17, 2009. As I stated previously, I never received any correspondence from this company. I’m sure an urgent financial matter such as this would have been sent via certified mail with return receipt requested. I would like to see where I signed for such a delivery.
Also, this company, or companies (as it is difficult to determine exactly who is being dealt with) has listed themselves on my credit file as a Factoring Company. After reviewing the FDCPA, it is my understanding that Factoring Companies cannot legally purchase accounts that are seriously delinquent in nature or charged off, which is the case for the account that Resurgence/ LVNV purchased. In addition, they are listing “Factoring Company” as the Type of Loan on my credit file, and have been doing so for some time. 
Another error being reported on my credit file by this company is the Type of Account being listed as open. They address this in their response with the following: “The term “open” in *** ******* credit report does not literally mean that the account is open or can be used.” When resurgence purchased this account from the original creditor, the account was charged-off and therefore closed. When entering into any legally binding contract, there should be no terms that can be taken as anything less than literally. Every term needs to be spelled out in the utmost literal sense of the matter. If the account is closed, which it is, it needs to be accurately reflected that way on my credit file. Every piece of information that is listed on my credit report needs to be “literally” true, and I’m quite sure the credit bureaus would concur.
I feel that Resurgent Capital Services, LLC; LVNV Funding, LLC; and any other entity that they operate under or do business as has been violating certain laws under the FDCPA and FCRA. I will not consider this matter resolved until all tradelines reported to the three major credit bureaus by these entities have been removed from my credit file, otherwise, I will be forced to seek legal counsel in regards to this matter.
Best Regards, 
******* ***** 

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

August 11, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ******* *****; Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to the additional concerns submitted by *** ***** dated August 7, 2015 
regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number 
ending in ***** Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by 
LVNV. 

****** *** ***** ***. charged off this debt and sold the account. It is likely that ******* ***** believes 
that the “charge-off” means that the debt is satisfied; however, this is not the case. Charge-off is an 
accounting requirement which means that an account has been recognized as unlikely to repay and no 
longer considered an asset to the original creditor. It does not affect the debtor’s responsibility for the 
account debt. After charge-off, an account remains collectible, and if sold, the current owner has the right 
to collect. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Due to the approaching expiration of the legal reporting period for the account, a 
request to delete the LVNV tradeline will be submitted to the consumer reporting agencies during our 
next reporting cycle. Please allow 30 to 45 days for this update to occur. Additionally, we encourage *** 
***** to contact the consumer reporting agencies if he has additional questions regarding credit reporting. 

Regarding *** ******* concerns about the notice of a negative credit report item, the notice is not 
required to be sent via certified mail. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
****. 

Sincerely, 

** ******** 
Compliance Department 
Resurgent Capital Services L.P. 



Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

******* *****

8/13/2015 Billing/Collection Issues | Complaint Details Unavailable
8/11/2015 Billing/Collection Issues | Complaint Details Unavailable
8/11/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I noticed a charge from LVNV funding on my credit report. I have tried calling them and sending them mail and they haven't responded. I do not nor have I ever had a credit one card. According to the credit report, there is a charge of $805 on a credit one card.

Desired Settlement: I want this off of my credit report so my credit score can come up. I pay my bills and I don't like this company putting this on it.

Business Response:

Please see the attached response.

July 29, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: *** ** ******; Case/File No. ******** 
Previous Creditor: ***** *** 
Original Creditor: ****** *** ***** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $804.73 

Dear *** ******** 

This letter is in response to your correspondence dated July 27, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** *** on or about October 15, 2013. As of the date of this communication, the account 
balance is $804.73. Please review the following account information: 

1. This account originated on February 7, 2013, with ****** *** ***** **** 
2. This account charged off on September 13, 2013, with a balance of $650.12. 
3. No payments have been received on this account since Resurgent started servicing it in October 
2013. 
4. Enclosed are bill statements and an account summary for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received 
from *** ****** regarding the above-referenced account. Resurgent has not received any phone calls or 
correspondence from *** ****** as indicated in her inquiry. In accordance with the Fair Credit 
Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the 
three major consumer reporting agencies during the next reporting cycle. 

If, after review of the above-referenced information, *** ****** believes this account is fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank 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 ****** *** ***** **** and/or ***** *** 
concerning her dispute, it may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 












8/3/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: LVNV Funding will not provide validation of the debt and I want them to remove the 2 judgements and collections off all my credit reports Satisfied Judgment filed 7/2014; ******* ** General SESSION; Case or ID# - ********* Amount $52,50 and Satisfied Judgment filed 5/2014; ******* ** General SESSION; Case or ID# - ********; amount $5,250 LVNV Funding LLC Acount number *****; Amount $5,719 I believe I have been a victim of fraud and noticed addresses and accounts on my credit reports that were not familiar to me. I am seeking is a full validation of this account and including proof of my original contract with my signature, proof that LVNV has a right to collect on this debt in the first place and proof of payment history and balance accrual. They have not been able to do so yet they have two judgements on my credit report that they won't remove and a collections account. The credit laws gives me as a consumer the right to question this debt and they must comply. If they cannot provide this information I want and Immediate removal from my credit report

Desired Settlement: Full removal and deletion of the two judgements and one collection account from my credit report IMMEDIATELY. That means no accounts on my ******** ********* and ********** credit reports. Thank you, Regards, ****** ****

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

July 23, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite 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, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ********** ********* ******** ** ******** **** ("**********") on or about June 7, 2013. 
As of the date of this communication, the account balance is $5,751.43. Please review the following 
account information: 

1. This account originated on March 30, 2011 with ********** ********* Services, Inc. 
2. This account charged off on January 30, 2012 with a balance of $3,954.82. 
3. The last payment in the amount of $100.00 was received on February 3, 2012. 
4. No payments have been received on this account since Resurgent started servicing it in June 
2013. 
5. 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 creditor. Those 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 LVNV. The 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 agencies. It 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 agencies. Resurgent 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, 2013 in compliance 
with the Fair Debt Collection Practices Act (“FDCPA”). 

A judgment was obtained May 14, 2014 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, 2014. Enclosed is a copy of the judgment for *** ****** review. 
This is the only judgment Resurgent has record of, and this judgment has not been satisfied. We are not 
the source of public record information reported by consumer reporting agencies. If *** **** 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 matter. Blank 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 L. P. 

Enclosures 












8/3/2015 Billing/Collection Issues | Complaint Details Unavailable
8/3/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I found out from the credit reporting bureaus *******, ********** and ******** that there was a negative account under "LVNV Funding LLC" under account number XXXXXXXXXXX****** Resurgent/LVNV has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters seeking this verification and to this date Resurgent/LVNV has failed to provide the information requested. Resurgent/LVNV is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. Resurgent/LVNV Funding has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Resurgent currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding or Resurgent Capital Services possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt and they have the right to collect this debt. Until the above referenced documentation is provided, the undersigned's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Resurgent/LVNV Funding shall immediately remove this account from all three (3) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.

Desired Settlement: Corrected credit report and no contact with LVNV/Resurgent ever again.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

July 23, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******** *****; Case/File No. ******** 
Previous Creditor: **** *** *** 
Original Creditor: ******* *** **** ****** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $2,145.74 

Dear *** ******** 

This letter is in response to your correspondence dated July 21, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV ") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by **** *** *** ("****") on or about August 30, 2011. As of the date of this communication, 
the account balance is $2,145.74. Please review the following account information: 

1. This account originated on January 23, 2007 with ******* *** **** ****** **** 
2. This account charged off on April 27, 2009 with a balance of $1,840.78. 
3. The last payment was received on September 23, 2008. 
4. No payments have been received on this account since Resurgent started servicing it in August 
2011. 
5. Enclosed is an account summary that includes additional account information. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Due to the approaching expiration of the reporting period for the account, a request to 
delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the 
next reporting cycle. Please allow 30 to 45 days for this update to occur. 

Resurgent received the multiple electronic disputes that *** ***** submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. However, receipt of this complaint is the first 
written communication that Resurgent has received from *** ***** regarding the above-referenced account. 

Enclosed is the letter Resurgent mailed *** ***** on September 15, 2011 in compliance with Fair Debt 
Collection Practices Act (“FDCPA”) requirements. 

*** *****’ July 21, 2015 inquiry contains language Resurgent has interpreted to mean that we cease 
communication with him. When a cease and desist request is received by our office, Resurgent places a 
restriction on the account so that no further written or verbal contact is made to our customer. 

If, 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 matter. Blank 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 **** *** *** 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 L.P. 

Enclosure(s) 

Consumer Response: ***** ** *******
Dispute Resolution Director
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me under the circumstances. 

There are inaccuracies included on Resurgent's response letter in regards to our communications, disputes, as well as dates.  I have no desire to pursue or extend this matter any further as long as they comply with their promise of removing the entire tradeline from all three major credit bureaus, as specified in their letter. 
I would like to take this moment to thank the Better Business Bureau of SC for being so diligent, and the time and effort in assisting with this matter. 

Best Regards,

******** *****

7/29/2015 Billing/Collection Issues | Complaint Details Unavailable
7/29/2015 Billing/Collection Issues | Complaint Details Unavailable
7/27/2015 Problems with Product/Service | Complaint Details Unavailable
7/27/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Resurgent Capital Services sent correspondence to my attorney falsely claiming that they..."have received my recent inquiry regarding (xyz)...". I do not acknowledge in any way or form this alleged issue or alleged debt that they claim I contacted them about. They also claimed I requested documents from them. Again, this is false and I do not acknowledge this alleged action or this alleged debt.

Desired Settlement: I demand that they cease any further contact and that they shred any records pertaining to this issue. I also demand that they do not further this issue by falsely representing it as a valid claim to another debt buyer, thus passing it off to another organization.

7/27/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Negative info being reported on my credit report that is not mine.

Desired Settlement: Delete the negative info from my report. My info was not used to get service from this company.My signature or my I.D. was not used to get service.

Business Response:

Please see the attached response.

July 15, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** *****; Case/File No. ******** 
Reference Numbers: ********** ********* 

Dear *** ******** 

This letter is in response to your correspondence dated July 13, 2015, regarding the above-referenced 
accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for *** *****. Resurgent 
Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the 
following account information: 

Account Number: ******** 
Reference Number: ********* 
Original Creditor: ********** *************** ***. 

1. This account originated on June 26, 2007, with ********** *************** ***. 
2. This account charged off on May 7, 2009. 
3. This account was purchased from ********** *************** ***. on November 7, 2012. 
4. No payments have been received on this account since Resurgent started servicing it in November 
2012. 
5. The current balance of this account is $535.19. 
6. Enclosed are bill statements and an account summary for your review. 

Account Number: ******** 
Reference Number: ********* 
Original Creditor: ********** *************** ***. 

1. This account originated on February 12, 2010, with ********** *************** ***. 
2. This account charged off on June 14, 2010. 
3. This account was purchased from ********** *************** ***. on November 7, 2012. 
4. No payments have been received on this account since Resurgent started servicing it in November 
2012. 
5. The current balance of this account is $340.75. 
6. Enclosed are bill statements and an account summary for your review. 

All ownership rights were transferred to LVNV when these accounts were purchased from the previous 
creditors. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, account number ending in **** is being reported to the three major 
consumer reporting agencies on behalf of LVNV. The original creditor may also continue to report the 
history of this account from the origination date to the time of sale. Since the legal time limit for bureau 
reporting is approaching on account number ending in ***** a request to delete the LVNV tradeline will 
be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 
30-45 days for this update to occur. 

In accordance with the Fair Credit Reporting Act, the LVNV tradeline for account number ending in 5033 
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 received multiple disputes that *** ***** submitted electronically through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective credit bureaus. 

If, after review of the above-referenced information, *** ***** believes these accounts are fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's 
website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 

If these accounts were 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 ********** *************** ***. concerning 
her dispute, it may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 

7/22/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a letter dated May 27, 2015 from ****** ******* in regards to a ********* account. The account number is ********. The letter was sent to an old address but as soon as I received it, I called and spoke to ******** on June 10th. She assured me if the account was paid before June 27th it would not be reported and she then transfered me to the account manager *** ******* I then spoke with him and got all the information necessary to mail in my payment as I did not have a bank account.The money order was mailed the following day, June 11th. I called every few days to follow up on the payment to make sure it was received and he confirmed during my call with him on June 25th it had been received. He stated I would have to wait however 30 days before requesting a paid letter which was fine. However, I received notification today that a new account from Resurgent Capital was added to my credit file. Since the account has already been paid and was paid prior to the 30 day mark, as promised, I would like the tradeline removed from my credit file.

Desired Settlement: Please remove the tradeline from the credit bureaus.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

July 14, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** ** ********; Case/File No. ******** 
Previous Creditor: ********* ******** *** 
Original Creditor: ******** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** *******: 

This letter is in response to your correspondence dated July 6, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV ") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ********* ******** *** ("*********") on or about April 30, 2015. Please review the following 
account information: 

1. This account originated on September 15, 2010 with ******** and was opened with *********. 
2. This account charged off on September 19, 2014 with a balance of $2,204.21. 
3. The last payment in the amount of $881.68 was received on June 25, 2015. 

We have verified this account was satisfied in full on June 25, 2015 for $881.68. The status of the account 
was updated to "Satisfied in Full" on July 6, 2015. The account is considered resolved in our office, and 
*** ******** should not be contacted by Resurgent or any affiliate companies regarding this account. 

*** ********’s inquiry states Resurgent Capital was recently added to her credit file. All ownership 
rights were transferred to LVNV when this account was purchased from the previous creditor. Those 
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 LVNV. In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this 
account as “Paid in Full for less than the full balance” will be submitted to the three major consumer 
reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. 
The original creditor may also continue to report the history of this account from the origination date to 
the time of sale. 

Resurgent does not report accounts to the consumer reporting agencies. If *** ******** has a recent copy 
of her credit report indicating Resurgent is reporting this account, please advise her to provide a copy of 
the report so that we may further research this matter. The credit report may be sent to the below address: 

Compliance Department or Fax: ************ 
** *** 
**** *** ***** 
Greenville, SC 29603 

Additionally we reached out to our servicer to investigate *** ********’s claim that she was advised if 
she paid the account prior to June 27, 2015 “it would not be reported.” Our servicer advised *** ******** 
spoke to a representative on June 10, 2015 and agreed to a payment arrangement to satisfy the account. 
There is no evidence she was advised the account would not be reported if paid by a certain date. We 
apologize for any inconvenience experienced. 

If you have any further questions, comments or concerns, please contact Customer Service at ******** ***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 



7/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company which also parades under LVNV fUNDING LLC, buys old debts and threaten action long after the SOL has passed. They have been sending out fake court documents with no seal or signature. This is illegal and harassment.

Desired Settlement: I would like for them to contact me no futher with their fraudulent information and practices.

Business Response:

Please see the attached response.

July 6, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: **** ********; Case/File No. ******** 
Previous Creditor: ***** ********* ********* *** 
Original Creditor: **** ** ******** ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $3,075.80 

Dear *** *******: 

This letter is in response to your correspondence dated July 2, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** ********* ********* *** on or about October 31, 2011. As of the date of this 
communication, the account balance is $3,075.80. Please review the following account information: 

1. This account originated on May 10, 2006, with **** ** ******** ***. and was opened with ***  **** ******** **** 
2. This account charged off on April 28, 2007. 
3. The last payment in the amount of $55.67 was received on April 2, 2008. 
4. No payments have been received on this account since Resurgent started servicing it in October 
2011. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting 
agencies. 

A judgment was obtained October 20, 2009, in the State Court of ******* County, ******* with case 
number **************. Our records indicate that *** ******** was personally served with a copy of 
the action and summons on July 14, 2009. Enclosed is a copy of the judgment and the Marshal/Sheriff’s 
Entry of Service for *** ********** review. We are not the source of public record information reported 
by consumer reporting agencies. If *** ******** 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. 

*** ********** complaint states that he has been sent fake court documents with no seal or signature. 
Please note that the judgment with case number ************** is not a fake court document and is 
enforceable. Additionally, the correspondence *** ******** submitted on July 2, 2015 contains 
language we have interpreted as a request to cease communication with him. When a cease and desist 
request is received by our office, Resurgent places a restriction on the account so that no further written or 
verbal contact is made to our customer. 

If 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 ***** ********* ********* ***, **** **  ******** ***. 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 L.P. 

Enclosure(s) 




7/15/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I recently pulled my credit report to find a collection account in the amount of 316.00 from your company.

Desired Settlement: I'm not sure what the account is for because I don't recall receiving any information on this, however in the spirit of compromise I'd be willing to pay this account in FULL for an agreement to remove any and all information of this debt from my credit report. If you agree, I will pay the account in full by credit card over the phone.if you are willing to agree to this please respond to this message. I look forward to hearing from you.Reguards, ***** *********

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

July 6, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** *********; Case/File No. ******** 
Previous Creditor: ******* **** **** 
Original Creditor: **** **** ******* ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $315.57 

Dear *** ******** 

This letter is in response to your correspondence dated June 29, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ******* **** **** on or about January 28, 2014. As of the date of this communication, 
the account balance is $315.57. Please review the following account information: 

1. This account originated on February 19, 2010 with **** **** ******* ***. 
2. This account charged off on October 30, 2010 with a balance of $224.85. 
3. No payments have been received on this account since Resurgent started servicing it in January 
2014. 
4. An account summary on file for the account is enclosed for reference. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those 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 LVNV. The original creditor may also continue to report the history of 
this account from the origination date to the time of sale. 

Receipt of this complaint is the first communication, written or otherwise, that Resurgent has 
received from *** ********* regarding the above-referenced account. In accordance with the Fair Credit 
Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the 
three major consumer reporting agencies during the next reporting cycle. 

Validation of the debt was previously mailed to *** ********* in compliance with the Fair Debt 
Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter sent on or about March 10, 2014. 

We appreciate *** *********** willingness to pay this account and accept her offer to pay in full 
for $315.57. The balance may be broken into three monthly payments, two payments in the amount of 
$100.00 and one in the amount of $115.57. Upon confirmation that all funds have cleared the banking 
system, the account status will be updated to “paid in full.” Based on the account information, the LVNV 
tradeline will not be deleted. However, a request to update the LVNV tradeline to “account paid in full” 
will be submitted to the three major consumer reporting agencies. 

Payments may be mailed to the following address, or *** ********* may contact Customer 
Service at ************ in order to make payments by phone. If mailing payments, please allow 
adequate time for United States Postal Service transit and for Resurgent to process and post the payment 
to this account. 

Resurgent Capital Services L.P. 
**** *** *****  *********** ** ***** 

If payment is not received by the 15th of each month, starting August 2015, this account may be 
placed for further collection activity, and this satisfaction agreement may be re-evaluated. We are not 
obligated to renew this offer. 

It may be possible to extend the deadline under certain circumstances. The offer above is 
guaranteed through the above-referenced date. After that time, we reserve the right to modify or revoke 
the offer. This offer is void if previous satisfaction arrangements have been made. 

If you have any further questions, comments or concerns, please contact Customer Service at 
************* 

Sincerely, 


** ********** 
Compliance Department 
Resurgent Capital Services L. P. 

Enclosures 



Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 

I have NEVER received any information about this account from this or any person owning rid account. The addressthey sent information to is not, not had it ever been a address in which I resided. (**** ** **** ******* *** ) therfore I couldn't possibly have been legally notified if I never lived there. 

Regards,

***** *********

Business Response:

Please see Resurgent's attached response to the referenced complaint.

July 13, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** *********; Case/File No. ******** 
Reference Number* ********* 

Dear *** ******** 

This letter is in response to the additional concerns submitted by ***** *********, dated July 8, 
2015, regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number 
ending in ***** Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by 
LVNV. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those include the right to collect and report to the consumer reporting agencies (also 
known as “credit bureaus”). The original creditor may also continue to report the history of this account 
from the origination date to the time of sale. 

*** ********* claims that she has never resided at **** ** **** ******* ***, **** ***** ***** 
*** ****** ** ****** This address was provided by ******* **** **** when the account was purchased 
by LVNV in January 2014. Based on the information provided by ******* **** ****, the validation letter 
was sent to the consumer’s last known address; therefore, LVNV has met its notice requirements, as 
required by the Fair Debt Collection Practices Act (“FDCPA”). 

After investigating the account, we did not find any evidence of the mishandlings alleged in the 
complaint. Despite these findings, Resurgent has made the business decision to close the account. 
Additionally, a request to delete the LVNV tradeline will be submitted to the three major consumer 
reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We 
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. 



Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

***** *********

7/13/2015 Billing/Collection Issues | Complaint Details Unavailable
7/13/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have received numerous phone calls and mail correspondence from this company regarding a credit card debt that originated in 2001 and has already been on my credit report and removed. I do not even recall this debt and the statue of limitations is up. I'd like for them to stop harassing me.

Desired Settlement: I'd like for them to stop contacting me and understand that they cannot collect on a 14 year old debt!

Business Response:

Please see the attached response.

Dear *** ******** 

This letter is in response to your correspondence dated June 29, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** ********* ********, LLC on or about September 23, 2011. As of the date of this 
communication, the account balance is $1,066.28. Please review the following account information: 

1. This account originated on April 13, 2001, with ***** ******* **** and was opened with ******* 
********, Inc. 
2. This account charged off on October 19, 2001. 
3. No payments have been received on this account since Resurgent started servicing it in 
September 2011. 
4. Enclosed is an account summary for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting 
agencies. 

*** ******* is correct that the statute of limitations for seeking legal action, such as a judgment, has 
expired. However, the account balance is still collectible as expiration of the statute of limitations does 
not invalidate the obligation or *** *******’s responsibility for the balance due on this account. 

*** *******’s correspondence contains language Resurgent has interpreted to mean that we cease 
communication with her. When a cease and desist request is received by our office, Resurgent places a 
restriction on the account so that no further written or verbal contact is made to our customer. 

If, after review of the above-referenced information, *** ******* believes this account is fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank 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 resolution offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if *** ******* has any correspondence to/from ***** ********* ********, LLC, ***** ******* 
**** and/or ******* ********, Inc. concerning her dispute, it may help with our investigation, so please 
have her 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 L.P. 

Enclosure(s) 

7/13/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Out of no where i get a file on my credit from LVNV showing that i owe $50. Upon research i see that it is for ******** ***** DVD. I have never owed ******** ***** DVD any money, and this needs to be removed from my credit report ASAP.

Desired Settlement: I would like this to be immediately removed from all 3 of my credit reports.

Business Response:

Please see the attached response.

June 30, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** ****** Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated June 29, 2015, regarding the above-referenced 
account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in ****. Resurgent 
Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. 

Resurgent would like to thank *** ***** for bringing this matter to our attention. After investigating the 
account, the account has been closed. Additionally, a request to delete the LVNV tradeline will be 
submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 
to 45 days for this update to occur. We apologize for any inconvenience. 

Acct No. ********* 
Original Creditor: ******** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at ******** ***** 

Sincerely, 




** ****** 
Compliance Department 
Resurgent Capital Services L.P.

7/13/2015 Billing/Collection Issues | Complaint Details Unavailable
7/7/2015 Problems with Product/Service | Complaint Details Unavailable
7/7/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I haven't received verification in writing of the collections debt that LVNV FUNDING is in custody of. I'm requesting all documents for the claims their company is making. It has been nearly 7 years since the open date of the original debt and I would like an explanation as to why this is still being reported years later. To add insult to injury, there is an unknown "last active" date and that is certainly unacceptable.

Desired Settlement: Delete/Remove LVNV Funding from my credit report, last active date for debt is outdated and currently shows "N/A". I would like justification for this and I would also like a verification of the claims in writing that LVNV Funding is making in regards to this debt. I've contacted this company, disputed this item on my credit report and I've yet to receive any justification for these claims by LVNV Funding.

Business Response:

Please see the attached response.

July 1, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE* ******** ********; Case/File No. ******** 
Previous Creditor: **** ******* ***** *********** *********** ***** 
Original Creditor: **** **** ******* **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $17,900.25 

Dear *** ******** 

This letter is in response to your correspondence dated June 23, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by **** ******* ***** *********** *********** ***** on or about June 16, 2009. As of the date of 
this communication, the account balance is $17,900.25. Please review the following account information: 

1. This account originated on September 13, 2008, with **** **** ******* ****, and was opened 
with ****** ***** ************ *** **** *******. 
2. This account charged off on May 31, 2009. 
3. The last payment in the amount of $300.00 was received on March 3, 2010. 
4. A total of $2,700.00 in payments has been received from you towards this account since 
Resurgent started servicing it in June 2009. 
5. Enclosed is a credit application for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Since the legal time limit for bureau reporting is approaching on this account, a request 
to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the 
next reporting cycle. Please allow 30-45 days for this update to occur. 

Resurgent received the electronic dispute that *** ******** submitted through the consumer reporting 
agencies. Resurgent responded in the adequate time by providing the corresponding information to the 
respective consumer reporting agencies. 

Verification of debt with validation was mailed to *** ******** on May 13, 2010, in compliance with the 
Fair Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of this letter for your review. This 
account has been properly verified, as required by the Fair Debt Collection Practices Act (“FDCPA”). 

The “Open Date” is not used in calculating the seven-year period that derogatory information remains on 
a credit report. Rather, it is the “Date of First Delinquency” that the credit reporting agencies use for 
determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account 
is November 30, 2008. For a charged-off account, the Date of First Delinquency is the first date of the 
delinquency that led to the charge-off as determined by the original creditor, but is not necessarily the first 
time the account was delinquent. This date is reported in accordance with the requirements of the Fair 
Credit Reporting Act (“FCRA”). Since the legal time limit for bureau reporting is approaching on this 
account, a request to delete the LVNV tradeline will be submitted to the three major consumer reporting 
agencies during the next reporting cycle. 

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 matter. Blank 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 settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if *** ******** has any correspondence to/from **** **** ******* ****, ****** *****  ************ *** **** ******* 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 L.P. 

Enclosure(s) 



7/7/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Harrassment from company - calling my work number Constantly calling my work and other third parties phone numbers. Following this complaint I will also be contacting the FTC for violating my consumer rights. They call my work, co-workers, and family members. If one more call comes to my place of employment I will lose my job. I have spoken to them several times asking them to please send me proof that this so called debt exists via the **** and not to contact me especially at work. Since I have no idea what their address is, this will publicly serve as my cease and desist request: To Whom It May Concern: This will serve as your legal notice under the FDCPA to cease all communication with me or anyone that I may know in regards to this so called debt. Do not contact me at *************, (************, ***** ********* or any other third parties regarding this so called debt. Furthermore, I formally dispute the validity of this debt. Please provide me with the documentation that supports why you believe this debt belongs to me, and why you believe I owe this amount. Please send me copies of the original application for this account, my signature associated with the account, and any bills associated with this account, etc via the United States Postal Service. Please also be advised that a formal complaint has been filed with the FTC regarding your illegal business practices. Thank you for your immediate attention to this matter.

Desired Settlement: Proof of debt via US Postal Service only - no phone calls

Business Response:

Please see the attached response.

June 22, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ******* ******** Case/File No. ******** 
Previous Creditor: ***** *** 
Original Creditor: ****** *** ***** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $970.51 

Dear *** ******** 

This letter is in response to your correspondence dated June 22, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** *** on or about July 11, 2013. As of the date of this communication, the account 
balance is $970.51. Please review the following account information: 

1. This account originated on October 31, 2010, with ****** *** ***** **** 
2. This account charged off on June 6, 2013, with a balance of $819.61. 
3. The last payment in the amount of $25.00 was received on December 20, 2012. 
4. No payments have been received on this account since Resurgent started servicing it in July 2013. 
5. Enclosed are bill statements, terms and conditions and an account summary for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The 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 agencies. It will continue to report as such throughout the permissible 
reporting period unless new information indicates that the dispute should be removed. 

Resurgent utilizes third party collection agencies to service accounts on its behalf. Our servicer received 
the enclosed Better Business Bureau (“BBB”) inquiry dated May 31, 2014, which is substantially the 

same as the correspondence received June 22, 2015. Enclosed is our servicer’s response to the BBB 
inquiry dated June 4, 2014. Accordingly, this account was placed in a cease status, which resulted in no 
further contact, written or otherwise, from Resurgent. 

*** ******* has not been contacted by Resurgent directly; however, we do not condone harassment or 
unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws 
and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers 
collecting on our behalf. However, no calls have been made regarding this account since Resurgent 
placed the account in a cease status on June 11, 2014. Furthermore, Resurgent has not received any 
correspondence directly from *** *******. 

If, after review of the above-referenced information, *** ******* believes this account is fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank 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 settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if *** ******* has any correspondence to/from ****** *** ***** **** and/or ***** *** 
concerning her dispute, it may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 















7/1/2015 Billing/Collection Issues | Complaint Details Unavailable
6/30/2015 Billing/Collection Issues
6/29/2015 Billing/Collection Issues | Complaint Details Unavailable
6/29/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Resurgent Capital Services has been hounding me on a debt that I have never assumed. After responding to them and indicating that no such purchases were done by me, I requested copies of credit card statements with signatures, they keep sending letters saying they are enclosing verification of debt which is what they call an Account Summary. I am almost 80 years old and had never attained any blemishes on my credit. Now Resurgent is asking for me to go get a police report, get a notarized affidavit, a letter from the original creditor, court documents, etc. Now, I don't know about Resurgent but I am appalled at their pursuing someone that number one did not enter into a contract with ****** *** ***** **** (their presumed original creditor). Why should someone at my age have to prove myself innocent. An address for the so called debtor is some apartment which I know nothing about. All purchases shown on another letter indicate that activity was mainly in a neighborhood I never ever frequent.

Desired Settlement: I want my credit report to be truthful and cleaned of all denigrating information that has been purportedly proven by Resurgent. I want a copy of the signed credit card application, along with signed copies of all credit card slip purchases, I would like surveillance tapes for said periods. I want for Resurgence and their client to desist and forget about expecting me to be running around at my age to prove my innocence. Perhaps, ****** *** **** (LVNV Funding) and Resurgent Capital Services) should have to be who does the proving. Could it be that they are not perpetrating fraud on elderly citizens.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

June 16, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ***** ******; Case/File No. ******** 
Previous Creditor: ***** *** 
Original Creditor: ****** *** ***** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $789.78 

Dear *** *******: 

This letter is in response to your correspondence dated June 15, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ****, LLC ("****") on or about April 11, 2013. As of the date of this communication, the 
account balance is $789.78. Please review the following account information: 

1. This account originated on December 14, 2012 with ****** *** ***** **** 
2. This account charged off on March 14, 2013 with a balance of $589.27. 
3. The last payment in the amount of $200.00 was received on January 16, 2013. 
4. No payments have been received on this account since Resurgent started servicing it in April 
2013. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The 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 agencies. It will continue to report 
as such throughout the permissible reporting period unless new information indicates that the dispute 
should be removed. 

While this appears to be a valid debt handled appropriately, in consideration of *** ******** specific 
situation, Resurgent has decided to no longer collect on this account. *** ****** should receive no 

further unsolicited written or verbal communication from Resurgent or any affiliated agency. We 
apologize for any inconvenience experienced in regard to the collection of this account. 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

6/29/2015 Billing/Collection Issues | Complaint Details Unavailable
6/29/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On April 29. 2015 I called Resurgent Capital and spoke with ****** ******. During the conversation ****** processed my debt card for $348.32, for a settlement payment for a past due debt. ****** informed me that the $348.32 payment would satisfy the debt judgement in full that I have rendered against me and that judgement satisfactory paper work would be processed and sent over to the court to release the judgement against me. I have contacted Resurgent several times and each time I call I am told that the paperwork is still processing and I am never allowed to speak with someone in their judgements department. I am sure it does not take over 6 weeks to process paperwork for such a small payment. My credit report is still showing the judgment as open and not paid and the court has no record of Resurgent even sending the paperwork over to them. Currently Resurgent is in violation of the fair credit reporting act by not satisfying the judgement and updating my credit report.

Desired Settlement: I would like to have the judgement satisfaction paperwork sent over to the courts immediately and for my credit report to be updated immediately as well.

Business Response:

Please see Resurgent's attached response to the referenced complaint.

June 22, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** ** *****; Case/File No. ******** 
Previous Creditor: ********** ********* ******** ** ******** **** 
Original Creditor: ********** ********* ********* ***. (formerly known as “******** 
******* *******”) 
Current Owner: LVNV Funding LLC 
Account Number: ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated June 15, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ********** ********* ******** ** *******, Inc. on or about June 7, 2013. Please review 
the following account information: 

1. This account originated on January 6, 2011 with ********** ********* ********* **** 
2. This account charged off on November 30, 2011 with a balance of $808.74. 
3. The last payment in the amount of $348.32 was received on April 29, 2015. 
4. No payments have been received on this account since Resurgent started servicing it in June 
2013. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those include the right to collect and report to the consumer reporting agencies (also 
known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer 
reporting agencies. 

A judgment was obtained January 25, 2012 in Magistrate Court, **** County****** ** with case 

number ********. We are not the source of public record information reported by consumer reporting 
agencies. If ****** ** ***** wishes to dispute or challenge public record entries, we recommend that 
he/she 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. 

We have verified this account was paid in full for less than the full balance on April 29, 2015 for 
$348.32. The status of the account was updated to “Satisfied in Full” on April 29, 2015. The account is 
considered resolved in our office, and ****** ***** should not be contacted by Resurgent or any affiliate 
companies regarding this account. A request to release the judgment has been submitted to our servicing 
law firm and should be filed with the court no later than June 29, 2015. 

If you have any further questions, comments or concerns, please contact Customer Service at 
************* 

Sincerely, 


** ********** 
Compliance Department 
Resurgent Capital Services L. P. 





Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

****** *****

6/24/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This business is also conducting business under the name LVNV Funding, LLC. They are currently listing an account on my credit report for all three credit bureaus for ****** *** ****. I have requested debt validation letters several times and have never received actual proof of this being my account. LVNV Funding has also listed this on my credit report as meeting the FCRA guidelines and have re-aged my account to 2015 when it was first reported in 2013. LVNV Funding, LLC also recently forwarded this to a collection attorney in my state, ***** *****, for which I also send a certified letter with return receipt a month ago explaining this situation and requesting debt validation.

Desired Settlement: Removal of this account from reflecting on my credit report with all credit bureaus **** ****** **********, and *******). Thank you.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

June 16, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** ** *******; Case/File No. ******** 
Previous Creditor: ***** *** 
Original Creditor: ****** *** ***** ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: 531069175 
Current Balance: $651.24 

Dear *** ******** 

This letter is in response to your correspondence dated June 10, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** *** ("****") on or about January 10, 2013. As of the date of this communication, the 
account balance is $651.24. Please review the following account information: 

1. This account originated on October 7, 2011 with ****** *** ***** ***. 
2. This account charged off on December 13, 2012 with a balance of $851.24. 
3. The last payment in the amount of $200.00 was received on January 25, 2014. 
4. Enclosed are bill statements and an account summary for *** ********* review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Resurgent received the multiple electronic disputes that *** ******* submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. In accordance with the Fair Credit Reporting 
Act, the LVNV tradeline 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. 

*** ********* letter asserts that LVNV “re-ages” accounts. We believe he means the life of the debt has 
been extended for credit bureau reporting purposes by manipulating data, which is incorrect. It is likely 
that he believes that the “Open Date” is used as the starting point in the calculation of the seven-year 
period that his debt's derogatory account can remain on his credit report. This is not the case, because for 
debt purchasers, the credit reporting agencies use the “Open Date” field only to capture the date that the 
account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory 
information remains on a credit report. Rather, it is the “Date of First Delinquency” that the credit 
reporting agencies use for determining the start of the seven-year reporting period. The “Date of First 
Delinquency” for this account is June 12, 2012. A request to delete the LVNV tradeline will be submitted 
on or around March 2019. 

Verification of debt was mailed to *** ********* attorney on July 31, 2014 in compliance with the Fair 
Debt Collection Practices Act (“FDCPA”). Enclosed is a copy of the letter for *** ********* review. 

Our records indicate *** ******* previously submitted to this office on May 8, 2015 a notice demanding 
that we cease communication with him. When a cease and desist request is received by our office, 
Resurgent places a restriction on the account so that no further written or verbal contact is made to our 
customer. 

If, 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 matter. Blank 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 settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if *** ******* has any correspondence to/from ***** *** 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 L.P. 

Enclosure(s) 


6/22/2015 Billing/Collection Issues | Complaint Details Unavailable
6/22/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: ON OR ABOUT MARCH 25 2015 I CONTACTED RESURGENT CAPITAL SERVICES ABOUT A COLLECTION ACCOUNT ON MY CREDIT REPORTS AND TOLD THEM I DO NOT KNOW ABOUT THIS DEBT TO PLEASE SENT ME THE INFORMATION ON THE ACCOUNT AND 7 DAYS LATER I RECEIVED A LETTER JUST STATING ORIGINAL CREDITOR *** **** ******** AND CURRENT OWNER LVNV FUNDING LLC AND ACCOUNT NUMBER **************** AND BALANCE 3594.14, ITS ALSO SAID I HAD 30 DAYS TO ASK FOR VERIFICATION OF THIS DEBT, ON APRIL 16 2015 I SENT A LETTER ASKING FOR ORIGINAL DOCUMENTATION VERIFYING THIS DEBT AND A ***** ***** SIGN FOR THIS LETTER. AND I DID NOT RECEIVE ANYTHING BACK. SO ON JUNE 1 I CALLED AND TALK TO SOMEONE IN YOUR CUSTOMER DEPARTMENT AND TOLD THEM I AM JUST TIERED OF THIS BEING ON MY CREDIT REPORTS AND TOLD THAT AND ASK HOW DO I SETTLE THIS MATTER AND SHE SAID IF I PAY 1797.07 THIS WILL TAKE CARE OF IT AND GAVE ME UNTIL 06-07-2015 TO PAY I TOLD HER I NEED THAT IN WRITING SO I CAN PAY THIS AND SHE TOLD ME SHE WILL MAIL IT OUT AND I TOLD HER THEN I WILL NEED MORE DAYS THEN 6 DAYS TO PAY WHAT IF IT WAS LOST IN THE MAIL FOR A DAY OR SO AND SHE SAID CALL BACK AND GET ANOTHER OFFER I FELT THIS WAS NOT GOING TO WORK FOR ME AND SINCE I HAVE READ SO MY COMPLAINTS ABOUT THIS COMPANY I DID NOT TRUST SENDING MONEY FOR SOMETHING THEY NEVER EVEN PROVED TO ME THAT WAS MINE I WAS JUST WILLING TO PAY SO THIS WILL END. SO ON JUNE 1 2015, I CALLED MY LAWYER AND ASK IF RESURGENT CAN FAX OVER A COPY OF THIS OFFER TO SETTLE, AND I CALLED BACK RESURGENT AND GAVE THEM MY LAWYERS NAME AND FAX NUMBER AND THEN MY LAWYER SENT THEM A CHECK FOR 1797.07 AND A LETTER REMINDING THEM TO FOLLOW THERE AGREEMENT TO NOTIFY THE CREDIT REPORTING AGENCIES . THAT THIS DEBT IS SETTLED AND ON JUNE 1 2015 MY ******** REPORT WAS UPDATED BY RESURGENT THAT I STILL OWE 1797.00 AND STILL IN COLLECTION. THIS IS NOT WHAT THEY SAID IN THE LETTER SO I GUESS NOT EVEN HIRING A LAWYER TO MAKE SURE PEOPLE STAND BEHIND THERE DEAL WORKS. I WANT THIS OFF MY REPORTS OR PROVE TO ME THAT THIS IS MY DEBT I AM GOING TO WRITE LETTERS TO THE FAIR CREDIT ACT NEXT TO SEE IF THIS IS FAIR TO ME.

Desired Settlement: REMOVE THIS OFF MY CREDIT REPORTS ALL 3 REPORTING BURROWS

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

June 15, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** *********; Case/File No. ******** 
Previous Creditor: *** **** ********* ***. 
Original Creditor: *** **** ********* ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** *******: 

This letter is in response to your correspondence dated June 11, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** **** ********* ***. ("***") on or about March 28, 2011. Please review the following 
account information: 

1. This account originated on October 24, 2007 with *** **** ********* ***. and was opened with 
**** ** ******** **** 
2. This account charged off on February 26, 2010 with a balance of $2,644.13. 
3. The last payment in the amount of $1,797.07 was received on June 4, 2015. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Resurgent received the multiple electronic disputes that *** ********* submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. 

We have verified this account was paid in full for less than the full balance on June 4, 2015 for $1,797.07. 
The status of the account was updated to "Satisfied in Full" on June 12, 2015. The account is considered 
resolved in our office, and *** ********* should not be contacted by Resurgent or any affiliate companies 
regarding this account. 

Regarding *** *********’s concerns about the account still reporting to the credit reporting agencies as a 
collection, *** *********’s payment to satisfy the account was received June 4, 2015. The account was 
last reported to the consumer reporting agencies on June 3, 2015. Therefore, when the account last 
reported, it was not yet paid. Resurgent advised in the resolution offer sent to *** ********* and his 
attorney that within 30 days of receiving the payment, a request to update the LVNV tradeline would be 
submitted to the three major consumer reporting agencies. Therefore, in accordance with the Fair Credit 
Reporting Act (“FCRA”), a request to update this account as “paid in full for less than the full balance” 
will be submitted to the three major consumer reporting agencies during the next reporting cycle. 
Enclosed is a copy of the resolution offer faxed to *** *********’s attorney on June 1, 2015 for review. 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

Enclosure 




Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

June 15, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** *********; Case/File No. ******** 
Previous Creditor: *** **** ********* ***. 
Original Creditor: *** **** ********* ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** *******: 

This letter is in response to your correspondence dated June 11, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** **** ********* ***. ("***") on or about March 28, 2011. Please review the following 
account information: 

1. This account originated on October 24, 2007 with *** **** ********* ***. and was opened with 
**** ** ******** **** 
2. This account charged off on February 26, 2010 with a balance of $2,644.13. 
3. The last payment in the amount of $1,797.07 was received on June 4, 2015. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Resurgent received the multiple electronic disputes that *** ********* submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. 

We have verified this account was paid in full for less than the full balance on June 4, 2015 for $1,797.07. 
The status of the account was updated to "Satisfied in Full" on June 12, 2015. The account is considered 
resolved in our office, and *** ********* should not be contacted by Resurgent or any affiliate companies 
regarding this account. 

Regarding *** *********’s concerns about the account still reporting to the credit reporting agencies as a 
collection, *** *********’s payment to satisfy the account was received June 4, 2015. The account was 
last reported to the consumer reporting agencies on June 3, 2015. Therefore, when the account last 
reported, it was not yet paid. Resurgent advised in the resolution offer sent to *** ********* and his 
attorney that within 30 days of receiving the payment, a request to update the LVNV tradeline would be 
submitted to the three major consumer reporting agencies. Therefore, in accordance with the Fair Credit 
Reporting Act (“FCRA”), a request to update this account as “paid in full for less than the full balance” 
will be submitted to the three major consumer reporting agencies during the next reporting cycle. 
Enclosed is a copy of the resolution offer faxed to *** *********’s attorney on June 1, 2015 for review. 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

Enclosure 




Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

****** *********

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

****** *********

6/22/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: To Whom It May Concern;I am writing you to lodge a formal complaint against LVNV Funding LLC. Over a year ago, I sent in a complaint about LVNV Fundings business practices and the final results of the investigation left me with an empty feeling. Over the past year I have spoken to several lawyers and members from ***** (****** ** ****** ***** ******** ********* and the **** (******** ********* ********** ******) who pointed out several issues that I missed in my first inquiry. To date, LVNV Funding has reported derogatory remarks with all three credit reporting agencies (******** ******** and **********) without proper notification.Please note the following case:****** ** ****,v.******* ****** ********** INC.,Case No. ********** ********)UNITED STATES DISTRICT COURT, DISTRICT OF *********Consistent with the views of the FTC and consistent with the views expressed in ******** *****, and ****** the Court finds that ******* was engaged in collection of the debt in violation of 1692g( when it reported ***** disputed debt to the CRAs before sending verification of that debt to ****. The Court therefore agrees with Judge **** that **** is entitled to summary judgment as to liability on his FDCPA claim.No debt collector is required to report a debt to a CRA before verifying that debt to a consumer and thus, as the Court held above, it is reasonable to view such a practice as a species of debt collection prohibited under 1692g(b******, ******** *******-based employees violated the FDCPA when they reported that debt to the CRAs before first verifying the debt to ****.****** v. *** Legal Grp., 2005 ** ******** ** (**** ****. Sept. 6, 2005); see also ***** ** ******* CCR ********, *** *. ***** ** ***** **** (***. **** 2010)This case specifies that the consumer must have the debt verified by dunning letter or communication prior to reporting to the credit reporting agencies. I was never notified via dunning letter or any other form of communication by LVNV Funding of any debt. Therefor LVNV is in violation of the above statue. Furthermore, I would like for your agency investigate the following circumstances into the account in this matter:1.LVNV Funding is listed on ******* as a Factoring Company, when per FCRA collection companies are not.****** ******* **. v. ******** LLC, a 2010 decision by the United States Court of Appeals for the Fourth Circuit which re-characterized a factoring transaction as a secured borrowing rather than a true sale of accounts. In the ****** case the court stated "the so-called factoring agreement is the functional equivalent of a secured lending agreement." Whether the agreement is a secured loan or a true purchase of receivables turns on whether there was an actual transfer of the risk of loss. A transfer of risk occurs when the account seller's debt is extinguished, and the account purchaser's "risk with regard to the performance of the accounts is direct." The court in Reaves explained that the parties had "confected" a secured loan or revolving line of credit, rather than a true sale of assets, through a percentage advance subject to the lender maintaining a reserve in any amount the lender deemed appropriate.2.LVNV Funding is adding on varying fees to the balances on each report per month sometimes $3, sometimes $11, sometimes $21over the past 6.5 years. There is no basis for these add on fees or was I given any detail on these so called interest charges. I would like to see the authorized agreement creating the debt or a copy of the original card agreement to prove collecting the interest is permitted.( see attached documents)I am requesting your agency look into these allegations and assist me in having these erroneous illegal marks removed from all three CRAs a deletion from all three credit reporting agencies. I am considering legal action against LVNV, however, I felt compelled to urge your office to help me in my crusade to remove LVNV Funding and reestablish my credit and protect low income minority families that cant afford to fight these types of collection agencies. I am in the process of investigating litigation against LVNV Funding, However, I feel compelled to enlist your agencys assistance in this matter. In my discussions with LULAC, this matter may be affecting underfunded, underrepresented and underserved families in the ***** ******** Community. I implore your agency to render assistance in my case so that LVNV Funding might not be so quick in the future to target a certain group because they feel the group will provide an easy target. This type of behavior should not be tolerated and I have faith that your agency is capable of sending that message loud and clearly.I thank your agency in advance for all of your help and assistance.Sincerely,******* **************************************

Desired Settlement: Removal of LVNV funding trade line from all three credit reports

Business Response:

Please see the attached response.

June 15, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ******* ********* Case/File No* ******** 
Previous Creditor: ***** **** **** **** 
Original Creditor: ********** ****** ***** ** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $3,763.59 

Dear *** ******** 

This letter is in response to your correspondence dated June 8, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** **** **** **** on or about January 13, 2011. As of the date of this communication, the 
account balance is $3,763.59, which includes an interest balance of $821.96. Due to Resurgent’s internal 
policy change, this account has not and will not accrue additional interest as of January 5, 2015. Please 
review the following account information: 

1. This account originated on April 20, 2006, with ********** ****** ***** **. 
2. This account charged off on February 28, 2010, with a balance of $3,209.63. 
3. The last payment in the amount of $200.00 was received on June 7, 2010. 
4. No payments have been received on this account since Resurgent started servicing it in January 
2011. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Since the legal time limit for bureau reporting is approaching on this account, a request 
to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the 
next reporting cycle. Please allow 30-45 days for this update to occur. 

Resurgent received the multiple electronic disputes that *** ******** submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. 

Resurgent responded to a Better Business Bureau inquiry received on May 6, 2014. Enclosed is *** 
********** Better Business Bureau inquiry and Resurgent’s response to this inquiry dated May 12, 2014, 
which includes bill statements and letters verifying the debt. Additionally, enclosed is a follow-up 
correspondence received via the Better Business Bureau in which *** ******** advised that he is 
satisfied with Resurgent’s resolution. 

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 matter. Blank 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 settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if *** ******** has any correspondence to/from ********** ****** ***** ** and/or ***** 
**** **** **** concerning his dispute, it may help with our investigation, so please have him forward it 
to: 

Compliance Department or Fax: 866-467-0918 
** *** 
**** *** ***** 
Greenville, SC 29603 

If you have any further questions, comments or concerns, please contact Customer Service at ******** ***** 

Sincerely, 




D. Parham 
Compliance Department 
Resurgent Capital Services L.P. 

Enclosure(s) 


Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

******* ********

6/17/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My ****** *** Credit Card Account was charged off and sent to collection with prior notification. I was not contacted at my current address and FDCPA, FCBA guidelines for Debt Collection were not followed by Resurgent Capital before reporting to *******, ******** and **********. I was shocked to see the collection account on my credit bureau reports, reporting as LVNV Funding which is associated with Resurgent Capital, and immeditaley contacted them and paid the settlement in full on 05/02/2015 to **** *********** *** ********** which collects debts for Resurgent Capital. This should not have happened had I been contacted or made aware of the upcoming collection debt. Also, I have been trying to contact ****** *** **** prior to seeing the collection account on my credit bureau reports but it was extremely difficult to get proper information about my account, and how to take care of the account and bring to current. They had charged the account off and sold it to collection without any proper notification and contact. I am well aware of my rights to fair and timely information regarding my financial obligations and I should have been notified about any account going to collection. I am requesting Resurgent Capital, LVNV Funding and/or **** *********** to immediately remove the Collection account for ****** *** **** from all three of my credit bureau reports. It is adversely affecting my credit standing and hurting me, my family and my family's financial health and well being.

Desired Settlement: Due to the fact that FDCPA and FCBA guidelines were not followed in timely notifying me of account being sent to collection, and, the fact that I immediately paid the account off after I found out, I am requesting Resurgent Capital, LVNV Funding and/or **** *********** *** ********** to remove the collection account from all my 3 credit bureau reports thats associated with ****** *** **** account ending in XXXXXXXXXXXX****. ****** *** **** should also remove the charge off credit card account from all three of my credit bureaus by sending the bureaus a request to remove the items.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

May 7, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** *****; Case/File No. ******** 
Previous Creditor: ***** *** 
Original Creditor: ****** *** ***** ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** *******: 

This letter is in response to your correspondence dated May 4, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in 2001. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** *** ("****") on or about September 12, 2014. Please review the following account 
information: 

1. This account originated on December 17, 2013 with ****** *** ***** ***. 
2. This account charged off on August 24, 2014 with a balance of $579.63. 
3. The last payment in the amount of $304.31 was received on May 2, 2015. 

We have verified this account was settled in full on May 2, 2015 for $304.31. The status of the account 
was updated to "Settled in Full" on May 7, 2015. The account is considered resolved in our office, and 
*** ***** should not be contacted by Resurgent or any affiliate companies regarding this account. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). In accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this 
account as “Paid in Full for Less than the Full Balance” will be submitted to the three major consumer 
reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. 

Resurgent received the multiple electronic disputes that *** ***** submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. 

LVNV has not issued billing statements on *** *****’s account. Any disputes under the Fair Credit 
Billing Act should be addressed to the entity issuing the statement. Additionally, notice of the account’s 
charge off and subsequent sale is not Resurgent’s responsibility. *** ***** should address those 
concerns with ****** *** ***** ***. Additionally, *** ***** was mailed the enclosed letter dated 
September 17, 2014 advising him that LVNV may submit a negative credit bureau report to the consumer 
reporting agencies regarding the account. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
****. 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 

Enclosure 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint. Correspondence regarding the debt was sent to an old address by *** ********** and LVNV Funding/Resurgent Capital. I was not not sent a debt verification letter. All I received was request for payment at my current address after the fact that the debt had already been unfairly reported to my credit bureau reports after which I immediately made payment in good faith. So I am asking Resurgent Capital Services L.P. in good faith to remove the negative trade line from all three credit bureaus and resolving this matter to both of our best interest. 

Regards,

****** *****

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

May 27, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** *****; Case/File No. ******** 
Reference Number: ********* 

Dear *** *******: 

This letter is in response to the additional concerns submitted by ****** ***** dated May 26, 2015 
regarding the above-referenced account. LVNV Funding LLC (“LVNV”) owns the account number 
ending in 2001. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by 
LVNV. 

****** *****’s dispute states “correspondence regarding the debt was sent to an old address by *** 
********** and LVNV Funding/Resurgent Capital.” **** state law requires the creditor to provide a 
written notice advising the consumer a negative credit report may be submitted to the credit reporting 
agencies. The notice can be personally delivered or mailed to the consumer’s last-known address prior to 
or within 30 days after the transmission of the negative report. Because the notice was mailed to your last-
known address per our records, we feel Resurgent has complied with **** requirements for required 
negative credit reporting notices. Additionally, Resurgent does not offer a “pay for deletion” payment 
option. LVNV reports all accounts accurately for the legal time period in which they can report, therefore 
this account will report accurately as “paid in full for less than full balance” for the duration of the 
reporting period. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 
Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P.

6/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company has been mailing me through the usa postal service to my summer home in *** **** ****** **** requesting a payment for some unfamiliar account that they claimed was belong to me. This is a fraudulent payment request for the amount of 180.00 dollars. I dont live in ****** ***** I live in Philadelphia and work here. I visit ****** **** once a year for vacation to my summer home. In addition, I have send them a certified return received letter below as prescribed by my attorney at ******** ******** *** ******** **** ****** **** ****** ******* ************* ** ***** **** *** ** ******* Attorney at *************

Desired Settlement: Cease and decease it from further collection activity or reselling this debt to other collection agencies as a debt under my name. Please be advised that I have no debts of the nature that they claim, nor business with the agencies that they claimed. May 18, 2015Resurgent Capital Services******* ****** ** *** (Ste **** ** ******* ****************** ** *****Dear Customer Service Department of Resurgent Capital services and its LVNV Funding LLC:This is a notice that I am disputing your claim and requesting validation under the Fair Act Collection Practices Act 15 USC S 1692 g (b). Pursuant to the FDC PA you must provide (a) you must provide the request validation before continuing collection activity, or (b) stop all collection activity. Kindly provide me with all competent evidence that I have a legal obligation to pay you, including but not limited to;What debt you allege I owe;A calculation you allege I owe;Copies of any documents showing that I agreed to pay what you allege I owed;

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

June 5, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** *******; Case/File No. ******** 
Previous Creditor: ***** ********* ********* *** 
Original Creditor: ***** ******* **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $559.85 

Dear *** ******** 

This letter is in response to your correspondence dated June 2, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ***** ********* ********* *** on or about September 23, 2011. As of the date of this 
communication, the account balance is $559.85. Please review the following account information: 

1. This account originated on January 20, 2004 with ***** ******* ****. 
2. This account charged off on June 6, 2004. 
3. The last payment in the amount of $30.00 was received on March 25, 2004. 
4. No payments have been received on this account since Resurgent started servicing it in 
September 2011. 
5. An account summary on file for this account is enclosed for your reference. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those include the right to collect and report to the consumer reporting agencies (also 
known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer 
reporting agencies. 

***** ********* June 2, 2015 complaint contains language Resurgent has interpreted to mean 
that we cease communication with him/her. When a cease and desist request is received by our office, 
Resurgent places a restriction on the account so that no further written or verbal contact is made to our 
customer. 

Receipt of this complaint is the first communication, written or otherwise, that Resurgent has 
received from ***** ******* regarding the above-referenced account. If, after review of 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 matter. Blank 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 ***** ********* ******** *** 
and/or ***** ******* **** concerning his/her dispute, it may help with our investigation, so please have 
him/her 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 L. P. 

Enclosure(s) 

6/16/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company has placed dispute comments on my credit report and refuses to remove them. I do not dispute the debt, therefor the comments on my credit report are against the Fair Credit Reporting Act. The company refuses to rectify the situation. They are also listing this under the company name LVNV Financial and goving no contact information. It has taken much research just to track them down.

Desired Settlement: Remove all dispute language from the comments section of my credit report.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

June 8, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ***** ******* ****; Case/File No. ******** 
Previous Creditor: ***** *** 
Original Creditor: ****** *** ***** *.*. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $991.77 

Dear *** ******** 

This letter is in response to your correspondence dated June 2, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was 
previously sold by ***** *** on or about February 16, 2011. As of the date of this communication, the 
account balance is $991.77. Please review the following account information: 

1. This account originated on August 20, 2009 with ****** *** ***** ***. 
2. This account charged off on January 26, 2011 with a balance of $777.82. 
3. The last payment in the amount of $40.00 was received on May 30, 2010. 
4. No payments have been received on this account since Resurgent started servicing it in February 
2011. 
5. The bill statements and account summary on file for this account are enclosed for your reference. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those 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 LVNV. The original creditor may also continue to report the history of 
this account from the origination date to the time of sale. 

Resurgent received the multiple electronic disputes that *** **** submitted through the 
consumer reporting agencies. Resurgent responded to each one in the adequate time by providing the 
corresponding information to the respective consumer reporting agencies. 

In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as 
“disputed” to the three major consumer reporting agencies. We recognize that *** **** states in his 
complaint that he does not dispute the LVNV account, and has requested that we remove the “disputed” 
status from his credit report. Therefore, a request to remove the “disputed” status from the LVNV 
tradeline will be submitted to the three major consumer reporting agencies during the next reporting 
cycle. Please allow 30-45 days for this update to occur. Should *** **** desire to make a payment on 
this account, please contact us at the toll free number listed above. 

If you have any further questions, comments or concerns, please contact Customer Service at 
************* 

Sincerely, 


** ********** 
Compliance Department 
Resurgent Capital Services L. P. 

Enclosure(s) 





6/10/2015 Billing/Collection Issues | Complaint Details Unavailable
6/10/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In June of 2012 I was notified by my sister in law that someone from a collection agency was trying to reach me. I called the number to find out that there was a collection issue with a **** *** card, originally held with **** **** ******, LVNV Funding, LLC. I was a joint owner on this account with my son ******* *******. Account number was ****************. At no time during delinquency was I notified of this situation, even though my contact information as listed on the application. The first word I had of this was when I talked to the collection agency in June of 2012. At that time, I was told if I paid the account in full over the phone, that it would not show as derogatory on my credit report, and if I wrote them a letter asking that it be removed from my report, that it would be. The account was paid in full over the phone and a letter was sent requesting it not appear as derogatory on my credit report. Upon running a new credit report today, I found that it is still showing on there, even though they assured me it would be removed. This account has been settled in full approximately 3 years ago. LVNV did nothing that they stated they would in regards to the derogatory comments on my report. I hope they do not do this to other folks, I think it is bad business practice. I would also like them to request removal of this inaccurate information to all three of the major consumer credit bureaus. Thank you.

Desired Settlement: I would like them to request removal of this inaccurate information to all three of the major consumer credit bureaus.

Business Response:

Please see Resurgent's attached response to the referenced complaint.

June 3, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ***** **** ******** Case/File No* ******** 
Previous Creditor: ******* **** **** 
Original Creditor: **** **** ******* **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated May 26, 2015 regarding the above-
referenced account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent 
Capital Services LP ("Resurgent") is the servicer of the account owned by LVNV Funding LLC. The 
account was previously sold by ******* **** **** on or about June 15, 2012. 

1. This account originated on August 19, 2008 with **** **** ******* **** and was opened with 
**** *** **** **** 
2. This account charged off on May 31, 2012 with a balance of $2,020.85. 
3. The last payment in the amount of $2,000.00 was received on June 22, 2012. 

We have verified this account was satisfied on June 22, 2012 for $2,000.00. The status of the 
account was updated to reflect account satisfied on June 27, 2012. The account is considered resolved in 
our office, and *** ******* should not be contacted by Resurgent or any affiliate companies regarding 
this account. 

All ownership rights were transferred to LVNV when this account was purchased from the 
previous creditor. Those include the right to collect and report to the consumer reporting agencies (also 
known as “credit bureaus”). Currently, LVNV is not reporting the account to the major consumer 
reporting agencies. A search of Resurgent’s records confirmed that LVNV is not reporting this account to 
the credit bureaus. We request that *** ******* forward a copy of her credit report showing the disputed 
LVNV tradeline for further investigation. 

Compliance Department or Fax: ************ 
** *** 
**** *** ***** 
Greenville, SC 29603 

We are unable to alter the credit bureau reporting of another creditor, including the original 
creditor of this account. *** ******* should contact the respective consumer reporting agencies or other 
creditors regarding information she believes is being reported in error. 

If you have any further questions, comments or concerns, please contact Customer Service at 
************* 

Sincerely, 


** ********** 
Compliance Department 
Resurgent Capital Services L. P. 





6/9/2015 Billing/Collection Issues
6/9/2015 Billing/Collection Issues | Complaint Details Unavailable
6/8/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LVNV Account# *********. I received (my first and only) correspondence on 3/25/15 from **** * ****** Associates dated 3/16/15. It was regarding a ********** ************** phone bill from 2012, that was now supposedly owned by LVNV Funding. As I have been working diligently to improve my credit rating, I called **** * ****** immediately to pay this balance to prevent it from being listed on my credit file. I was assured by **** * ****** representative ******* ***** that this account would not be reported at all to the credit agencies since I was making the payment over the phone that day. Fast forward to 5/21/15. I was looking at my Credit *****, and noticed a new account from LVNV Funding LLC that was reporting as a paid collection. This contradicts what I was advised by the representative from **** * ******, as well as the letter I received from them that states ‘negative information MAY be submitted to the credit agency IF I do not fulfill my credit obligation’. I fulfilled that obligation on 3/25/15, the day I received the letter, yet LVNV (who I have never received correspondence from, and they acknowledge they have not sent me anything directly) reported it to my credit file, 6 weeks after I fulfilled the obligation. According to LVNV they began reporting the now paid debt on 5/5/15, though I had paid it in full 6 weeks earlier and was assured it would not be placed on my credit report, in any form. After numerous calls to LVNV and unreturned calls from **** * ******, I was advised that a recording of my call to **** * ****** would be listened to and if they heard that I was advised there would no activity to my credit file, they would abide by that and remove it. I spoke to LVNV on 5/27/15 and was advised that there was no available recording of that call. I felt that to be convenient that there was no recording of that call to be released, because it would have shown that I was told as I have stated, that there would be no activity on my credit file due to this account. As **** * ****** represents LVNV Funding, I hereby request the LVNV file on my credit report be deleted in its entirety, based off of the fact I have never received correspondence from LVNV Funding, my conversation with the **** * ****** representative on 3/25/15 stating this would not be placed on my credit file, and the verbiage on the letter from **** * ******. I can provide a copy of this letter if needed.

Desired Settlement: Complete removal of LVNV file from my credit report.

Business Response:

Please see Resurgent's attached response to the referenced complaint.

June 3, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** **********; Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated May 27, 2015 regarding the above-
referenced account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in ****. 
Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. 

Resurgent would like to thank *** ********** for bringing this matter to our attention. We have 
investigated the account and have submitted a request to the three major consumer reporting agencies 
(also known as “credit bureaus”) to delete the LVNV tradeline. Please allow 10 to 15 days for this update 
to occur. We apologize for any miscommunication regarding the credit reporting status of *** 
************ account and have taken steps to prevent future confusion. The following account is 
considered resolved in our office, and we apologize for any inconvenience *** ********** may have 
experienced. 

Acct No. ********* 
Reference No. ********* 
Original Creditor: ********** *************** **** 

If you have any further questions, comments or concerns, please contact Customer Service at 
************* 

Sincerely, 


** ********** 
Compliance Department 
Resurgent Capital Services L. P. 


Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

****** **********

6/4/2015 Billing/Collection Issues | Complaint Details Unavailable
6/2/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I received a voice mail from Resurgent to return their call which I did. The result of the phone call was to advise me I had a new contact in the Greenville office and then the new representative offered me an offer to settle my account at a reduced rate.. She ask me to confirm my decision quickly which I did on that same day by voice mail. On Monday after the call on Friday I called to remind her to send the paperwork she had to send me to finalize the agreement. At that time she advised me the offer had not been approved. My complaint revolves around why did she make offer which had not been approved? My feeling is I should receive the offer since at no fault of mine did I request the offer but was asked if I was interested.

Desired Settlement: I expect the offer to be honored within a reasonable amount of time.

Business Response:

Please see Resurgent's attached response to the complaint.

May 27, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** *** ********; Case/File No. ******** 
Previous Creditor: **** 
Original Creditor: ***** ******* 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $3,149.00 

Dear *** *******: 

This letter is in response to your correspondence dated May 19, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by **** ("****") on or about May 20, 2014. As of the date of this communication, the account 
balance is $3,149.00. Please review the following account information: 

1. This account originated on September 11, 2008 with ***** *******. 
2. The last payment in the amount of $100.00 was received on April 24, 2015. 
3. Total payments in the amount of $850.00 have been received since Resurgent started servicing 
the account in May 2014. 

Resurgent would like to thank *** ******** for bringing this matter to our attention. After investigating 
the account, Resurgent determined *** ******** was offered a settlement of $2,204.30 in three payments 
by mistake as Resurgent policy is to not offer settlements on this particular type of account. When the 
collector realized the mistake, the collector advised *** ******** a settlement should not have been 
offered. As the mistake was in no way the fault of *** ********, Resurgent agrees that the settlement offer 
should be honored. Resurgent called *** ******** Friday, May 22, 2015, and agreed to settle the account 
for $1,800.00 to be paid in one lump sum payment due June 10, 2015. Resurgent also mailed *** 
******** confirmation of the settlement agreement. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 




** ******** 
Compliance Department 
Resurgent Capital Services L.P. 






6/1/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I sent proof of validation letters in February 2015 to this company "LVNV Funding" and/or "resurgent" and they have failed to prove that any debt was true. Since March of 2015 ********** has also agreed and have since deleted this off my credit report. I want this company to delete and stop reporting to the other two credit bureaus.

Desired Settlement: delete and stop reporting to the two other credit bureaus.

Business Response:

Please see the attached response.

May 22, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: *** *****; Case/File No. ******** 
Original Creditor: ******* *** **** ****** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $1,554.24 

Dear *** ******** 

This letter is in response to your correspondence dated May 21, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ******* *** **** ****** **** on or about June 9, 2009. As of the date of this communication, 
the account balance is $1,554.24. Please review the following account information: 

1. This account originated on May 7, 2008, with ******* *** **** ****** **** 
2. This account charged off on May 4, 2009, with a balance of $1,136.87. 
3. No payments have been received on this account since Resurgent started servicing it in June 
2009. 
4. Enclosed are bill statements and an account summary for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The 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 agencies. It 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 agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. 

If, after review of 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 matter. Blank 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 settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if *** ***** has any correspondence to/from ******* *** **** ****** **** concerning 
his/her dispute, it may help with our investigation, so please have him/her 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 L.P. 

Enclosure(s) 

6/1/2015 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: trying to collect debt years after accepting settlement LNVN Funding purchased a charged off account from **** , after adding exaggerated interest and penalty charges on the account the balance ballooned to almost 3 times the original amount owed to **** ! LNVN refused to send a detailed statement explaining the interest charges , instead a settlement offer was received, the settlement was paid and I received a letter that the account was settled for less than full balance , LNVN also reported this as settled to the credit agencies ! Now after years have passed and the original debt has fallen off my credit report LNVN is not only reneging on their settlement by trying to collect again but also added even more indecent interest charges onto this account ! after contacting LNVN pointing out that this already was settled they request information from me that they already have in their system ! I have no intension of paying the full balance and will not accept another settlement offer since LNVN is obviously not reputable and can not be trusted ! this assessment is further underscored by a google search that turned up hundrets of other Victims !

Desired Settlement: honoring the original settlement as outlined in settlement offer and quit harassing me

Business Response:

Please see the attached response.

May 20, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** *****; Case/File No. ******** 
Previous Creditor: ***** ********* ********* LLC 
Original Creditor: ********** ****** ***** ** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated May 19, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ***** Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** ********* ********* LLC on or about September 23, 2011. Please review the following 
account information: 

1. This account originated on December 11, 2000, with ********** ****** ***** **. 
2. This account charged off on March 30, 2007. 
3. The last payment in the amount of $954.84 was received on March 23, 2012. This was the only 
payment received on this account since Resurgent started servicing it in September 2011. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting 
agencies. 

Resurgent received the multiple electronic disputes that ****** ***** submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. 

We have reviewed ****** *****’s payment of $954.84 received on March 23, 2012. The original 
settlement agreement was to make two payments of $954.84; however, as a courtesy, Resurgent has 
updated his/her account to “settled in full”. The account is considered resolved in our office, and Lothar 
Baier should not be contacted by Resurgent or any affiliate companies regarding this account. We 
apologize for any inconvenience experienced regarding the above account. 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 

** ****** 
Compliance Department 
Resurgent Capital Services L.P. 


5/27/2015 Problems with Product/Service
5/26/2015 Billing/Collection Issues | Complaint Details Unavailable
5/26/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company just filled a collection in my credit report on 5/1/15 for an amount of $1499 from I'm assuming an old closed debt they obtained through their bulk buying practices of collection accounts from other companies. This is not something I recall owing and it needs to be disputed and removed from my credit report. I shouldn't have to send them a certified letter that they won't respond to and then send that fact to all the credit reporting that LVNV will not verify the debt. Please help me get some answers and remove this companies low tactic Credit reporting attempts off of my report. Thank you!

Desired Settlement: Removed from my credit report.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

May 12, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** *** **********; Case/File No. ******** 
Previous Creditor: **** *********** *********** *********** ***** ** 
Original Creditor: **** **** ******* ***. 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $1,499.00 

Dear *** ******** 

This letter is in response to your correspondence dated May 11, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by **** *********** *********** *********** ***** ** ("****") on or about April 19, 2011. As 
of the date of this communication, the account balance is $1,499.00. Please review the following account 
information: 

1. This account originated on June 12, 2005 with **** **** ******* ***. and was opened with 
********* ******. 
2. This account charged off on March 31, 2011 with a balance of $863.39. 
3. The last payment in the amount of $18.00 was received on August 31, 2010. 
4. No payments have been received on this account since Resurgent started servicing it in April 
2011. 
5. Enclosed is an account summary that includes additional account information. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received 
from *** ********** regarding the above-referenced account. In accordance with the Fair Credit 

Reporting Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the 
three major consumer reporting agencies during the next reporting cycle. 

We have requested account statements from **** *********** *********** *********** ***** **. 
Please be advised that we will forward the documents upon receipt, if available. 

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 matter. Blank 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 settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if *** ********** has any correspondence to/from **** *********** *********** 
*********** ***** **, **** **** ******* ***. 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 L.P. 

Enclosure 

5/26/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LVNV Funding continues to list a debt that was resolved as being unpaid on credit report. The original debt was from ******** *****, after contacting them they removed it due to the fact that the account was opened for a book club using an email subscription before I was 18 years of age. Not only did I not open the account but I would not have been permitted to due to my age at the time. LVNV funding has yet to remove this from my report despite contacting both them and ******** *****.

Desired Settlement: I would like the information removed from all three credit reports and for LVNV funding to stop all attempts to collect any debts from the fraudulent account.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

May 11, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** *** *******; Case/File No. ******** 
Inquiry Reference Number: ***** 

Dear *** *******: 

This letter is in response to your correspondence dated May 11, 2015. We are unable to locate an account 
under the name of ***** *** *******. Please provide additional information, such as the account 
number(s) or social security number, in order to help us locate the account(s) and address ***** *** 
*******’s concerns. 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P. 




5/26/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: For more than 10 years my household has been receiving bothering phone calls from various collection agencies regarding a person by the name ******* ** ******. No such person has resided at this address for the past 15 years or resides now. To each of those many collection agencies I offered to send a copy of my lease agreement and/or utility bills to prove that my phone number is no way associated with that person. The agencies would tell me that they removed the number, phone calls would cease for some time, but at some point a new collection agency would take over with incessant phone calls. The last agency bothering us for about a year was ****** *********** LLC. With the help of BBB and my lawyer who prepared a legal motion against the agency, their Assistant VP for Compliance ******* ******* has revealed that LVNV Funding, aka Resurgent Capital Services LP, had placed my telephone number in their office in an attempt to collect debt from ******* ** ******. Today, at 2:00 pm Eastern time, I’ve made a call to LVNV Funding and requested to speak to one of their supervisors. The person who answered my call introduced herself as ******* *******. I explained the nature of my complaint and she told me, in a manner as if she was speaking to a convicted criminal, that my telephone number would be removed from their database. Following the instructions of my lawyer, I requested that LVNV Funding confirms this in writing, which was met with a refusal by ******* *******.

Desired Settlement: An official letter from LVNV Funding, aka Resurgent Capital Services LP, sent directly at my address or via BBB, confirming that the telephone number ************ has been completely removed from their database as not the one associated with the third party they're trying to collect the debt from. Failure to do so will result in a legal action against LVNV Funding, aka Resurgent Capital Services LP, in which I will demand that LVNV Funding reimburses moral, psychological, and financial (lawyer and court fees) damages that I was subjected to for more than 10 years because of LVNV Funding's wrongful placing of my phone number with various collection agencies.

Business Response:

Please see the attached response.

May 19, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: *** ***********; Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated May 18, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the above-referenced account. Resurgent Capital Services 
LP ("Resurgent") is the servicer of the account owned by LVNV. 

Upon researching this matter, it has been determined *** *********** is not the responsible party. The 
phone number ending in **** will not be called regarding this account. *** *********** should no longer 
be contacted by Resurgent or any of our servicers regarding this issue. We apologize for any 
inconvenience experienced due to any contact made in error. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 

** ****** 
Compliance Department 
Resurgent Capital Services L.P. 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me, except for the fact that a decade-long bothering contacts by various LVNV servicers were not made in error because in the course of ten years LVNV Funding LLC (aka Resurgent Capital Services LP) could have many times over determined that I was not a responsible party. LVNV’s apologies are taken and a copy of their letter will be kept in my lawyer’s files. This said, if I receive one more phone call from a servicer attempting to contact ******* ** ******* I will assume that LVNV Funding LLC has backtracked on their promise and will file a legal motion in the court without prior notification.

Regards,

*** ***********

5/26/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company was deleted off my credit report and they keep adding it back. I have never be delinquent with the company they are trying to collect for within the last 7 years. I pull my credit at the beginning of each year. I still have a copy that they were deleted. I do not know why they are trying to collect on $87.00 that isn't mine. it seems like they are monitoring my credit report because they show up after I apply for credit.

Desired Settlement: I want this off all 3 major credit reports and to stay off.

Business Response:

Please see the attached response.

May 19, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: **** ***** Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated May 13, 2015, regarding the above-referenced 
account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in ****. Resurgent 
Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. 

Resurgent would like to thank *** **** for bringing this matter to our attention. After investigating the 
account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these 
findings, the following account has been closed. Additionally, a request to delete the LVNV tradeline will 
be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 
30 to 45 days for this update to occur. We apologize for any inconvenience experienced regarding this 
account. 

Acct No. ********* 
Reference No. ********* 
Original Creditor: ******** ***** 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 




** ****** 
Compliance Department 
Resurgent Capital Services L.P.

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

**** ****

5/26/2015 Billing/Collection Issues
5/19/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I had an account go into collections with Lvnv. It's been over two years since I paid the account in full, and it is still on my credit report. I have not received proper notification that my account was paid.

Desired Settlement: I would like this to be deleted from my credit report.

Business Response: Dear Ms. *******: 

This letter is in response to your correspondence dated May 6, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by **** *********** *********** Corporation (USA) IV on or about October 20, 2010. 

We have verified this account was settled in full on March 30, 2013, for payments received totaling 
$1,902.00. The status of the account was updated to "Settled in Full" on April 1, 2013. The account is 
considered resolved in our office, and Mr. ******* should not be contacted by Resurgent or any affiliate 
companies regarding this account. 

Resurgent last reported the above account to the three major consumer reporting agencies (also known as 
“credit bureaus”) as “Account Paid in Full for Less than the Full Balance” on or about June 12, 2013. As 
a courtesy, a request to delete the LVNV tradeline will be submitted to the consumer reporting agencies. 
Please allow 30 to 45 days for this update to occur. Additionally, we are unable to alter the credit bureau 
reporting of another creditor. Mr. ******* should contact the respective consumer reporting agencies 
regarding information he believes is being reported in error. 

If you have any further questions, comments or concerns, please contact Customer Service at ******** ***** 

Sincerely, 






** ****** 

5/19/2015 Billing/Collection Issues | Complaint Details Unavailable
5/15/2015 Billing/Collection Issues | Complaint Details Unavailable
5/14/2015 Problems with Product/Service | Complaint Details Unavailable
5/14/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Have a letter stating that I owed a debt from June 1997 from ******** **** and ***** Company. I have never had an account with ******** **** and ***** Company. I had my daughter call them and verify this. We have called both **************** and LVNV Funding (this is who ****** is working for) and alerted them to this information to no avail. I just received the first collection letter dated 4-13-2015. I have never received a notice of any kind before this. So that I could have disputed this before now. I am elderly and at first I thought this was a scam. The total debt according to this letter the original debt was $11451.50 and ****** is willing to settle it for 3206.42. I am not paying anything because I have never had this credit card or loan. Please help me.

Desired Settlement: resolved this issue and a letter clearing up this matter.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

May 5, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** ****; Case/File No. ******** 
Previous Creditor: *** *******, LLC 
Original Creditor: ******** **** and ***** Company 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ******** 

Dear *** ******** 

This letter is in response to your correspondence dated April 28, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** Funding, LLC ("***") on or about October 30, 2002. 

After a review of the account, in consideration of *** ****’s specific situation, Resurgent has closed the 
account. Collection efforts will cease and *** **** should no longer be contacted by Resurgent or any of 
our servicers regarding the account. Currently, LVNV is not reporting the account to the major consumer 
reporting agencies (also known as “credit bureaus”). 

If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 


** ******** 
Compliance Department 
Resurgent Capital Services L.P.

5/14/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My complaint is about unfair business practices and credit reporting by a Pay Day Loans that I have never borrowed from. I have sent these companies letters disputing these fake charges and requesting validation of these claims. letters sent certified mail. LVNV Funding LLC letter was Returned undelivered, no response from the other two companies. Yet, these companies are still reporting negative information to all three of my credit reports (********, **********, ********* under three different names (********** Finance Services $145, charge-off; LVNV Funding LLC, $6,505; ******* ******* Finance $2,686) and charges. ***

Desired Settlement: For LVNV Funding LLC, ********** Finance Services and ******* Finance to write a letter or contact ********, ********** and ******* and have this negative false and misleading information removed and corrected on my credit report s ASAP.

Business Response:

Please see the attached response.

May 6, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ********* *******; Case/File No. ******** 
Original Creditor: ********** ********* ********* **** (formerly known as “******** 
*******”) 
Current Owner: LVNV Funding LLC 
Account Number: ****** 
Reference Number: ********* 
Current Balance: $6,505.15 

Dear *** ******** 

This letter is in response to your correspondence dated May 6, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ********** ********* ********* **** on or about June 7, 2013. As of the date of this 
communication, the account balance is $6,505.15. Please review the following account information: 

1. This account originated on February 16, 2009, with ********** ********* ********* **** 
2. This account charged off on October 26, 2009, with a balance of $2,686.56. 
3. No payments have been received on this account since Resurgent started servicing it in June 
2013. 
4. Enclosed for your review are the Loan Agreement and Disclosure Statement, Itemization of 
Amount Financed, Arbitration Agreement and Waiver of Jury Trial and Application for Loan. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The 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 agencies. It will continue to report as such throughout the permissible 
reporting period unless new information indicates that the dispute should be removed. Additionally, we 
are unable to alter the credit bureau reporting of another creditor. *** ******* should contact the 
respective consumer reporting agencies regarding information she believes is being reported in error. 

Resurgent received the multiple electronic disputes that *** ******* submitted through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective consumer reporting agencies. 

The validation notice was mailed to you on June 20, 2014. Resurgent did not provide verification of debt 
in response to your October 21, 2014, request due to the fact that your letter requested that we cease 
contact with you. Accordingly, this account was placed in a cease status, which resulted in no further 
contact, written or otherwise, from Resurgent. Enclosed are copies of these letters for your review. 

If, after review of the above-referenced information, *** ******* believes this account is fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank 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 settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if *** ******* has any correspondence to/from ********** ********* ********* **** concerning 
her dispute, it may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 








Consumer Response: Better Business Bureau:

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,

********* *******

5/13/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I paid this account off on 4-21-14. I have asked them to report this to *******, ********** so it will drop off of my credit. I called several times and it is still sitting on my credit report as of today 5/1/15. They said they are not responsible for reporting paid off accounts to credit report. The adcount paid off is: ******** - ********** **************, Inc.

Desired Settlement: I just want it off my freaking credit report. That is it. I have a letter stating that it has been paid off. Even the credit agency has been contacted and claim has been disputed and they still want take it off my credit report. So I would like to make a complaint about them to.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

May 4, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ****** ** ******; Case/File No. ******** 
Previous Creditor: ********** *************** **** 
Original Creditor: ********** *************** **** 
Current Owner: LVNV Funding LLC 
Account Number: ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated May 4, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ********** **************, Inc. ("**********") on or about November 7, 2012. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting, and has never reported, the account to the major 
consumer reporting agencies. The original creditor may continue to report the history of this account from 
the origination date to the time of sale. We are unable to alter the credit bureau reporting of another 
creditor. *** ****** should contact the respective consumer reporting agencies regarding information 
she believes is being reported in error. If *** ****** has a copy of her credit report indicating LVNV is 
reporting the account, please have her provide us a copy of the credit report so we may further investigate 
the matter. 

We have verified this account was settled in full on April 21, 2014 for $36.45. The status of the account 
was updated to "Settled in Full" on April 22, 2014. The account is considered resolved in our office, and 
*** ****** should not be contacted by Resurgent or any affiliate companies regarding this account. 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 

** ******** 
Compliance Department 
Resurgent Capital Services L.P. 



Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 

Regards,

****** ******

5/13/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company placed a debt on my credit report without notifying me or allowing me to confirm the debt. I have never done any business with this company. They are inaccurately and illegally reporting on my credit report. Please stop this company. This is ruining my credit.

Desired Settlement: I would like this company to stop reporting on my credit report and delete all entries.

Business Response:

Please see the attached response.

May 5, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ******** ********; Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated April 30, 2015, regarding the above-referenced 
account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in ****. Resurgent 
Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. 

Resurgent would like to thank *** ******** for bringing this matter to our attention. After investigating 
the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these 
findings, the following account has been closed. We apologize for any inconvenience experienced 
regarding this account. 

Acct No* **************** 
Reference No. ********* 
Original Creditor: **** **** ******* **** 

If you have any further questions, comments or concerns, please contact Customer Service at ********
***** 

Sincerely, 

** ****** 
Compliance Department 
Resurgent Capital Services L.P. 

Consumer Response: I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

Regards,

******** ********

5/11/2015 Problems with Product/Service | Complaint Details Unavailable
5/11/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: two collection reports of unknown origin dated 10/2009 acct **************** appear on my credit report and violate ******* FDCP collection due to statute of limitations.

Desired Settlement: Cease collection and remove from my credit report. Both duplicate collection accounts. I am a victim of identity theft, have filed a police report and FTC AFFIDAVIT.

Business Response:

Please see the attached response.

April 29, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 

RE: ****** *******; Case/File No* ******** 
Previous Creditor: *** ************ *** 
Original Creditor: ****** *** ***** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $1,526.87 

Dear *** ******** 

This letter is in response to your correspondence dated April 27, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** ************ *** on or about October 16, 2009. As of the date of this communication, the 
account balance is $1,526.87. Please review the following account information: 

1. This account originated on February 10, 2009, with ****** *** ***** ***. 
2. This account charged off on September 16, 2009, with a balance of $749.43. 
3. No payments have been received on this account since Resurgent started servicing it in October 
2009. 
4. Enclosed are a bill statement and an account summary for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The original creditor may also continue to report the history of this account from the 
origination date to the time of sale. 

Receipt of this complaint is the first communication, written or otherwise, that Resurgent has received 
from *** ******* regarding the above-referenced account. In accordance with the Fair Credit Reporting 
Act (“FCRA”), a request to update the LVNV tradeline as “disputed” will be submitted to the three major 
consumer reporting agencies during the next reporting cycle. 

*** ******* is correct that the statute of limitations for seeking legal action, such as a judgment, has 
expired. However, the account balance is still collectible as expiration of the statute of limitations does 
not invalidate the obligation or *** *******’s responsibility for the balance due on this account. 

If, after review of the above-referenced information, *** ******* believes this account is fraudulent, we 
ask that she provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank 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 settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if *** ******* has any correspondence to/from ****** *** ***** **** and/or *** 
************ *** concerning her dispute, it may help with our investigation, so please have her 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 L.P. 

Enclosure(s) 

5/11/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: LVNV Funding and its collection agency, Resurgent Capital, claim that I owe them $36,218. This is not true. They claim to have bought an account but have not provided me with any proof. They are adding interest to the account each month as well and have no basis for doing so. They are on my credit report as well.

Desired Settlement: LVNV and its collection agency Resurgent remove their trade line from my credit report at ******** and ***** ******

Business Response:

Please see the attached response.

April 27, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ******** ******; Case/File No. ******** 
Original Creditor: ***** **** **** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $36,218.48 

Dear *** *******: 

This letter is in response to your correspondence dated April 22, 2015, regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by ***** **** **** **A. on or about March 10, 2011. As of the date of this communication, the 
account balance is $36,218.48, which includes an interest balance of $13,367.91. However, due to 
Resurgent’s internal policy change, this account has not and will not accrue additional interest as of 
January 5, 2015. Please review the following account information: 

1. This account originated on February 27, 2008, with ***** **** **** **** 
2. This account charged off on July 30, 2010, with a balance of $22,850.57. 
3. The last payment in the amount of $224.00 was received on January 7, 2010. 
4. No payments have been received on this account since Resurgent started servicing it in March 
2011. 
5. Enclosed are bill statements and the electronic credit application for your review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those 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 LVNV. The 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 agencies. It 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 agencies. Resurgent responded to each one in the adequate time by providing the 
corresponding information to the respective consumer reporting agencies. 

If, after review of 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 matter. Blank 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 settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if ******** ****** has any correspondence to/from ***** **** **** **A. concerning 
his/her dispute, it may help with our investigation, so please have him/her 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 L.P. 

Enclosure(s) 

5/11/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This appeared on my credit report. These are not my charges.

Desired Settlement: Removal from credit report.

Business Response:

Please see the attached response.

April 27, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** ********; Case/File No. ******** 
Reference Number: ********* 

Dear *** ******** 

This letter is in response to your correspondence dated April 22, 2015, regarding the above-referenced 
account. LVNV Funding LLC (“LVNV”) currently owns the account number ending in ****. Resurgent 
Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. 

Resurgent would like to thank *** ******** for bringing this matter to our attention. After investigating 
the account, we did not find any evidence of the mishandlings alleged in the complaint. Despite these 
findings, the following account has been closed. Additionally, a request to delete the LVNV tradeline will 
be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 
30 to 45 days for this update to occur. We apologize for any inconvenience experienced regarding this 
account. 

Acct No. ********* 
Reference No. ********* 
Original Creditor: ******** *****
If you have any further questions, comments or concerns, please contact Customer Service at *******-
***** 

Sincerely, 

** ****** 
Compliance Department 
Resurgent Capital Services L.P. 

5/11/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have sent Mutiple Letters to Resurget to Dispute the Validity of som Identy theft that happened on my name in 2002. Every time i send the a letter asking for Verification, they dont send it and they sell the debt to another company. which i then go through the same process. It cost me money to send a certified letter for them not to act on.

Desired Settlement: Take into account the Identity Theft on my name and clear the charges that are wrongfully there.

Business Response:

Please see Resurgent's attached response to the referenced complaint as well as any relevant documents.

April 27, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164 


RE: ***** *****; Case/File No. ******** 
Previous Creditor: *** ******** *********** ******* 
Original Creditor: ******* *** **** ****** **** 
Current Owner: LVNV Funding LLC 
Account Number: **************** 
Reference Number: ********* 
Current Balance: $1,320.23 

Dear *** ******** 

This letter is in response to your correspondence dated April 22, 2015 regarding the above-referenced 
account. LVNV Funding LLC ("LVNV") owns the account number ending in ****. Resurgent Capital 
Services LP ("Resurgent") is the servicer of the account owned by LVNV. The account was previously 
sold by *** ******** *********** ******* (****") on or about September 25, 2012. As of the date of 
this communication, the account balance is $1,320.23. Please review the following account information: 

1. This account originated on July 25, 2001 with ******* *** **** ****** **** 
2. This account charged off on October 14, 2002 with a balance of $675.66. 
3. The last payment was received on February 1, 2002. 
4. No payments have been received on this account since Resurgent started servicing it in 
September 2012. 
5. Enclosed is an account summary for ***** *****’s review. 

All ownership rights were transferred to LVNV when this account was purchased from the previous 
creditor. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, LVNV is not reporting the account to the major consumer reporting 
agencies. 

Receipt of this complaint is the first written communication that Resurgent has received from ***** 
***** regarding the above-referenced account. ***** ***** contacted Resurgent by telephone on April 
9, 2015 and notified Resurgent of his dispute regarding the account. Resurgent asked ***** ***** to 
submit his dispute in writing, and to include either a copy of a police/incident report or completed identity 
theft affidavit. To date, Resurgent has not received the written dispute or requested documentation. In 
compliance with the Fair Debt Collection Practices Act (“FDCPA”), Resurgent mailed ***** ***** a 


letter dated April 9, 2015 which contained the validation notice. Enclosed is a copy of the letter for your 
review. 

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 matter. Please find enclosed a blank identity theft affidavit 
for ***** ***** to complete. 

If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of 
payment in full would help us resolve this complaint. 

In addition, if ***** ***** has any correspondence to/from *** ******** *********** ******* 
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 L.P. 

Enclosures 

5/11/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I pulled my annual credit report as I am refinancing my mtg. Two accounts have come up for LVNV. One for ****** *** **** and one for ****. I have never received any DN letter from them or any other communication. I have writtena nd called disputing these accounts and requesting proof of them to no avail. I have sent valadation request and still no response yet they keep reporting theses on my credit report.

Desired Settlement: Remove these accounts from the 3 credit reporting agencies or provide proof that these are my accounts.

Business Response:

Please see the attached response.

April 27, 2015 

***** ** ******* 
Better Business Bureau of Upstate South Carolina 
408 N. Church St. Suite C 
Greenville, SC 29601-2164


RE: ****** ** ******* Case/File No. ******** 
Reference Numbers: ********** ********* 

Dear *** ******** 

This letter is in response to your correspondence dated April 21, 2015, regarding the above-referenced 
accounts. LVNV Funding LLC (“LVNV”) owns the two referenced accounts for *** ******. Resurgent 
Capital Services LP (“Resurgent”) is the servicer of these accounts owned by LVNV. Please review the 
following account information: 

Account Number: **************** 
Reference Number: ********* 
Original Creditor: ****** *** ***** **** 

1. This account originated on May 18, 2012, with ****** *** ***** **** 
2. This account charged off on February 24, 2013, with a balance of $655.61. 
3. This account was purchased from ***** *** on March 11, 2013. 
4. The last payment in the amount of $25.00 was received on September 9, 2012. 
5. No payments have been received on this account since Resurgent started servicing it in March 
2013. 
6. The current balance of this account is $655.61. 
7. Enclosed are bill statements and an account summary for your review. 

Account Number: **************** 
Reference Number: ********* 
Original Creditor: **** **** ******* **** 

1. This account originated on May 11, 2010, with **** **** ******* **** and was opened with 
****** *********. 
2. This account charged off on July 30, 2011, with a balance of $381.48. 
3. This account was purchased from ******* *** **** ****** **** on March 18, 2013. 
4. The last payment in the amount of $100.00 was received on November 24, 2010. 
5. No payments have been received on this account since Resurgent started servicing it in March 
2013. 
6. The current balance of this account is $936.79. 
7. Enclosed is an account summary for your review. 

All ownership rights were transferred to LVNV when these accounts were purchased from the previous 
creditors. Those include the right to collect and report to the consumer reporting agencies (also known as 
“credit bureaus”). Currently, these accounts are being reported to the three major consumer reporting 
agencies on behalf of LVNV. The original creditors may also continue to report the history of these 
accounts from the origination date to the time of sale. 

Resurgent received multiple disputes that *** ****** submitted electronically through the consumer 
reporting agencies. Resurgent responded to each one in the adequate time by providing the corresponding 
information to the respective credit bureaus. In accordance with the Fair Credit Reporting Act, the LVNV 
tradelines are being reported as “disputed” to the three major consumer reporting agencies. They will 
continue to report as such throughout the permissible reporting period unless new information indicates 
that the dispute should be removed. 

Resurgent utilizes third party collection agencies to service accounts on its behalf. These accounts have 
been placed with various collection agencies since LVNV’s acquisition. Any notification requirements for 
these accounts would have been met by these collection agencies. 

The validation notice for account number ending in 1178 was mailed to *** ****** on April 8, 2014. 
Enclosed is a copy of the letter for your review. 

If, after review of the above-referenced information, *** ****** believes these accounts are fraudulent, 
we ask that he provide a completed police/incident report regarding the fraud, or a notarized fraud or 
identity theft affidavit, in order to help us resolve this matter. Blank forms are available at the FTC's 
website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. 

If these accounts were paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation 
of payment in full would help us resolve this complaint. 

In addition, if *** ****** has any correspondence to/from the previous creditors 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 L.P. 

Enclosure(s) 

5/11/2015 Billing/Collection Issues
5/6/2015 Billing/Collection Issues | Complaint Details Unavailable
5/6/2015 Billing/Collection Issues | Complaint Details Unavailable
5/6/2015 Problems with Product/Service | Complaint Details Unavailable
5/6/2015 Billing/Collection Issues | Complaint Details Unavailable
5/5/2015 Billing/Collection Issues | Complaint Details Unavailable
5/5/2015 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I discovered that a business with the name LVNV was reporting a delinquent account on all three credit report agencies. I have since received multiple phone calls from LVNV informing me that the debt was beyond stature of limitations and asking for a settlement deal. I informed them I was not aware of such debt and requested a debt validation be mailed to me. This has gone on for over four months and