Complaints
This profile includes complaints for LVNV Funding, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1,509 total complaints in the last 3 years.
- 441 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:01/23/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
3 Accounts that I don't recognize are on my report from LVNV Funding. I believe my identity was used fraudulently I've reached out to the credit bureaus, CFPB, and Attorney General as well.
Business Response
Date: 02/08/2023
January 31, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ******* ******; Case/File No. ********
Reference Numbers: ********** ********** ********** ********** **********
********** *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 23,
2023. LVNV Funding LLC (“LVNV”) currently owns the seven accounts referenced in the inquiry.
Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
******* ******’s inquiry and believe the following information will address their concerns.
The first account, account number ****************, reference number ********** originated
with **** ******* ****** ***** on October 31, 2017. The last payment in the amount of $404.00 was
received on October 29, 2018. This account charged off on May 29, 2019 with a balance of $20,700.60.
LVNV acquired this account on October 18, 2022. No payments have been received on this account since
it was acquired by LVNV. The current account balance is $20,700.60. Credit application and bill
statements on file for the account are enclosed for review.
The second account, account number ********, reference number *********, originated with
***** ***** **** on October 31, 2017 and was opened with ******** ******** ***. The last payment in
the amount of $819.89 was received on June 1, 2018. This account charged off on October 31, 2018 with
a balance of $30,489.10. LVNV acquired this account on November 6, 2018. No payments have been
received on this account since it was acquired by LVNV. The current account balance is $30,489.10.
Loan agreement, truth in lending disclosure, bill statements, and payment history on file for the account
are enclosed for review.
The third account, account number ********, reference number *********, originated with
**** ******* ****. on November 8, 2017. The last payment in the amount of $1,500.85 was received on
June 1, 2018. This account charged off on October 31, 2018 with a balance of $87,520.85. LVNV
acquired this account on November 16, 2018. No payments have been received on this account since it
was acquired by LVNV. The current account balance is $87,520.85. Truth in lending act disclosure, and
bill statements on file for the account are enclosed for review.
The fourth account, account number *******, reference number *********, originated with
******* on October 30, 2017. The last payment in the amount of $734.14 was received on June 1, 2018.
This account charged off on November 9, 2018 with a balance of $23,805.73. LVNV acquired this
account on December 20, 2018. No payments have been received on this account since it was acquired by
LVNV. The current account balance is $23,805.73. Loan agreement and promissory note, and payment
history on file for the account are enclosed for review.
The fifth account, account number *******, reference number *********, originated with
********* ***** ***. on November 1, 2017. The last payment in the amount of $582.80 was received on
June 4, 2018. This account charged off on November 27, 2018 with a balance of $34,269.47. LVNV
acquired this account on August 18, 2019. No payments have been received on this account since it was
acquired by LVNV. The current account balance is $34,269.47. Personal application on file for the
account is enclosed for review.
The sixth account, account number **************, reference number *********, originated
with **** ******* ****** ***** on November 6, 2017. The last payment in the amount of $236.65 was
received on November 5, 2018. This account charged off on April 26, 2019 with a balance of $24,343.49.
LVNV acquired this account on October 18, 2022. No payments have been received on this account since
it was acquired by LVNV. The current account balance is $24,343.49. Promissory note on file for the
account is enclosed for review.
The seventh account, account number **********, reference number *********, originated with
**** ******* ****** ***** on November 17, 2017. The last payment in the amount of $158.66 was
received on October 26, 2018. This account charged off on May 29, 2019 with a balance of $8,491.63.
LVNV acquired this account on October 18, 2022. No payments have been received on this account since
it was acquired by LVNV. The current account balance is $8,491.63. Application and bill statements on
file for the account are enclosed for review.
With its purchase of these accounts, LVNV acquired all ownership rights, including the rights to
collect on these accounts and to report to the credit bureaus, if eligible. Currently, these accounts are
being reported to the credit bureaus on behalf of LVNV. For accounts ending in, ****, ****, ****, and
****, in accordance with the Fair Credit Reporting Act, the LVNV tradelines for these accounts are being
reported as disputed to the credit bureaus. For accounts ending in ****, **** and ****, in accordance
with the Fair Credit Reporting Act, a request to update the LVNV tradelines for these accounts to
disputed will be submitted to the credit bureaus during the next reporting cycle. They will continue to
report as such throughout the permissible reporting period unless new information indicates that the
disputes should be removed.
If, after reviewing the above-referenced information, ******* ****** believes any of these
accounts are fraudulent, then we ask that they provide a completed police/incident report.
In addition, if ******* ****** has any correspondence to/from the previous creditors concerning
their dispute, then please forward it to:
Compliance Department or Fax: ************
MS 250 Attn: Compliance
**** *** *****
*********** ** *****
I hope my response has addressed all of ******* ******’s concerns. If there are any further
questions, comments, or concerns, they may contact Customer Service at **************.
Respectfully,
Leo
Compliance Department
Resurgent Capital Services L.P.Initial Complaint
Date:01/23/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Lvnv Funding #XXXXXXXXXXXX****
n accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
I sent several letters stating the FCRA LAWS. LAWS HAVE BEEN BROKENBusiness Response
Date: 02/08/2023
January 31, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ***** ********; Case/File No. ********
Account Number: ****************
Original Creditor: ****** *** ***** ****
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 23, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on June 14, 2017. Resurgent Capital Services L.P. (“Resurgent”) is
the servicer of the Account.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
***** ********’s inquiry and believe the following information will address their concerns.
The Account originated on October 19, 2016 with ****** *** ***** ****. No payments have been
received on the Account since it was acquired by the Current Owner. The Account charged off on May 28,
2017 with a balance of $599.65. The current Account balance is $599.65. Bill statements and terms and
conditions on file for the Account are enclosed for review.
The Account was previously charged off. Charging off an account does not satisfy the debt,
nor does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner
has the right to collect the account.
Resurgent received the electronic disputes that ***** ******** submitted through the credit
bureau(s), and in each case Resurgent sent a timely response, providing the bureau(s) with information
relevant to their dispute.
With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
Account records, the tradeline for this Account should not be deleted; however, it is being reported as
disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
new information indicates that the disputes should be removed.
Resurgent does not condone harassment or unprofessional communication with customers, as it is
our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,
we found no evidence of the mishandlings alleged in the inquiry.
I hope my response has addressed all of ***** ********’s concerns. If there are any further
questions, comments, or concerns, they may contact Customer Service at **************.
Respectfully,
Monique
Compliance Department
Resurgent Capital Services L.P.Initial Complaint
Date:01/23/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with credit one and do not have a contract with LVNV funding llc. they do not provide me with the orginial appilication like i asked. i was sick and wasnt aware i could dispute this.Business Response
Date: 02/10/2023
January 31, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ******** ******; Case/File No. ********
Account Number: ****************
Original Creditor: ****** *** ***** ****
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 23, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on June 16, 2020. Resurgent Capital Services L.P. (“Resurgent”) is
the servicer of the Account.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
******** ******’s inquiry and believe the following information will address their concerns.
The Account originated on August 29, 2019 with ****** *** ***** **** The Account charged off
on May 13, 2020 with a balance of $624.98. No payments have been received on the Account since it was
acquired by the Current Owner. The current Account balance is $624.98.
With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
Reporting Act, the Current Owner’s tradeline for this Account is being reported as disputed to the credit
bureaus. It will continue to report as such throughout the permissible reporting period unless new
information indicates that the dispute should be removed.
The Account was previously charged off. Charging off an account does not satisfy the debt, nor
does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
the right to collect the account.
The enclosed letter containing verification of debt was mailed to ******** ****** on March 25,
2022. This Account has been properly verified as required by the Fair Debt Collection Practices Act. I have
also enclosed the bill statements and terms and conditions on file for the Account.
I hope my response has addressed all of ******** ******’s concerns. If there are any further
questions, comments, or concerns, they may contact Customer Service at **************.
Respectfully,
Matt
Compliance Department
Resurgent Capital Services L.P.Initial Complaint
Date:01/23/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was a victim of identity theft and I never authorized for a credit card. My SUV was stollen and my driver's licenses and social security was in my glove box. Please see attached documentation. Please remove this from my credit report, or I will file charges.Customer Answer
Date: 02/02/2023
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,
***** ******Business Response
Date: 02/02/2023
January 31, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ***** ******; Case/File No. ********
Account Number: ****************
Original Creditor: ****** *** Bank, N.A.
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 23, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on July 19, 2022. Resurgent Capital Services L.P. (“Resurgent”) is
the servicer of the Account.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
***** ******’s inquiry and believe the following information will address their concerns.
The Account originated on October 13, 2016 with ****** *** Bank, N.A. The last payment in the
amount of $100.76 was received on November 17, 2021. The Account charged off on June 21, 2022 with
a balance of $843.35. No payments have been received on the Account since it was acquired by the Current
Owner. The current Account balance is $843.35.
Bill statements and terms and conditions on file for the Account are enclosed for review. Please
note that the bill statements show the same address ***** ****** provided in their inquiry. Additionally,
the May 2021 bill statement indicates that an airline ticket was purchased under the name of ***** ******.
With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
Reporting Act, a request to update the Current Owner’s tradeline for this Account to disputed will be
submitted to the credit bureaus during the next reporting cycle.
If, after reviewing the above-referenced information, ***** ****** believes this Account to be
fraudulent, we ask that they provide a completed police/incident report in order to help us resolve the matter.
In addition, if ***** ****** has any correspondence to/from the previous creditors or any
additional documentation concerning their dispute, we ask that they please forward it to:
Compliance Department or Fax: 866-********
** *** Attn: Compliance
P.O. Box *****
Greenville, SC 29603
I hope my response has addressed all of ***** ******’s concerns. If there are any further questions,
comments, or concerns, they may contact Customer Service at 1-888-********.
Respectfully,
Leo
Compliance Department
Resurgent Capital Services L.P.
Enclosure(s)Initial Complaint
Date:01/18/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I don’t think this debt is accurate and according to the FAIR DEBT COLLECTION PRACTICES ACT i have the right to dispute this account and ask for it to be validated properly. So i need a copy of a few things that i will list in my dispute letter so i can make sure this account is 100% true. Send me a copy of the following things i have listed in my dispute letter.Business Response
Date: 02/02/2023
January 25, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ****** ******; Case/File No. ********
Account Number: **************
Original Creditor: **** ******* ****** *****
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 18, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on October 18, 2022. Resurgent Capital Services L.P. (“Resurgent”)
is the servicer of the Account. 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.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
****** ******** inquiry and believe the following information will address their concerns.
The Account originated on June 14, 2017 with **** ******* ****** *****The last payment in the
amount of $700.00 was received on September 28, 2017. The Account charged off on September 26, 2018
with a balance of $25,053.70. No payments have been received on the Account since it was acquired by the
Current Owner. The current Account balance is $25,053.70.
With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
Reporting Act, a request to update the Current Owner’s tradeline for this Account to disputed will be
submitted to the credit bureaus during the next reporting cycle.
The Account was previously charged off. Charging off an account does not satisfy the debt, nor
does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
the right to collect the account.
Resurgent does not condone harassment or unprofessional communication with customers, as it is
our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,
we found no evidence of the mishandlings alleged in the inquiry.
Resurgent, as master servicer for the Current Owner, uses third-party servicers (“Servicers”) to
service accounts on its behalf. This Account has been placed with one or more of these Servicers since it
was acquired by the Current Owner. I have enclosed a copy of the letter our Servicer sent to ****** ******
that provided them with the validation notice as required by the Fair Debt Collection Practices Act
(“FDCPA”) and that notified them the Current Owner may report a negative item on their credit report.
We are providing the attached credit application, payment history, and an account summary on file
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.
****** ******** January 18, 2023 inquiry contains a request to cease communication with them.
We have therefore placed a restriction on the Account so that our office initiates no further contact with the
customer, except to respond to specific requests.
I hope my response has addressed all of ****** ******** concerns. If there are any further
questions, comments, or concerns, they may contact Customer Service at **************.
Respectfully,
Leo
Compliance Department
Resurgent Capital Services L.P.Initial Complaint
Date:01/11/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Upon checking my credit report. I noticed inaccurate information on my file reported by LVNV funding LLC , for a collection charge off $918. This is a formal notice to have this taking of my credit report as soon as possible as is a violation to my fair credit reporting act section 1681b(c). Please validate this information with these companies bearing my signature and authorizing and inquiry to my file without my knowledge.Customer Answer
Date: 01/20/2023
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,
****** *****Business Response
Date: 01/20/2023
January 19, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ****** *****; Case/File No. ********
Account Number: XXXXXXXXXXXX****
Original Creditor: ******* **** ****
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 12, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on December 21, 2017. Resurgent Capital Services L.P. (“Resurgent”)
is the servicer of the Account.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
****** *****’s inquiry and believe the following information will address their concerns.
The Account originated on August 6, 2014 with ******* **** **** The last payment in the amount
of $100.00 was received on July 28, 2016. The Account charged off on September 5, 2016 with a balance
of $918.08. No payments have been received on the Account since it was acquired by the Current Owner.
The current Account balance is $918.08.
With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. However, the Current Owner
is not reporting the Account to the credit bureaus and will not report it in the future.
We are providing the attached bill statements and an account summary on file 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.
I hope my response has addressed all of ****** *****’s concerns. If there are any further questions,
comments, or concerns, they may contact Customer Service at **************.
Respectfully,
Leo
Compliance Department
Resurgent Capital Services L.P.
Enclosure(s)Initial Complaint
Date:01/10/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been a victim of identity Theft. My information has been exposed in the ******* data breach. LVNV FUNDING LLC is not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately.Business Response
Date: 02/10/2023
February 2, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ******** ********; Case/File No. ********
Reference Numbers: *********, *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 24,
2023. LVNV Funding LLC (“LVNV”) currently owns the two accounts referenced in the inquiry.
Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
******** ********’s inquiry and believe the following information will address their concerns.
The first account, account number ****************, reference number *********, originated
with Navy Federal Credit Union on July 20, 2017. A lawsuit is currently pending on this account with
case number ************ in the Southern Superior Court of California, Southern Judicial District, San
Mateo County, California. As this case is still pending, Resurgent is unable to respond to Jennifer
Stephens’s concerns at this time.
The second account, account number ****************, reference number *********,
originated with Navy Federal Credit Union on February 1, 2018. This account charged off on August 28,
2019 with a balance of $5,260.29. LVNV acquired this account on October 18, 2022. No payments have
been received on this account since it was acquired by LVNV. The current account balance is $5,260.29.
The credit card application information, bill statements, and terms and conditions on file for the account
are enclosed for review.
With its purchase of the account ending in ****, LVNV acquired all ownership rights, including
the rights to collect on this account and to report to the credit bureaus, if eligible. Currently, this account
is being reported to the credit bureaus on behalf of LVNV. In accordance with the Fair Credit Reporting
Act, a request to update the LVNV tradeline for the account ending in **** will be submitted to the credit
bureaus during the next reporting cycle.
The account ending in **** was previously charged off. Charging off an account does not satisfy
the debt, nor does it affect the customer’s responsibility for the amount owed. If the account is sold after
being charged off, the new owner has the right to collect the account.
If, after reviewing the above-referenced information, ******** ******** believes the account
ending in **** is fraudulent, then we ask that they provide a completed police/incident report, in order to
help us resolve this matter:
In addition, if ******** ******** has any correspondence to/from the previous creditors
concerning their dispute, then please forward it to:
Compliance Department or Fax: ************
MS 250 Attn: Compliance
**** *** *****
*********** ** *****
If ******** ******** wishes to contact our third-party servicer handling this lawsuit for the
account ending in ****, they may call Resurgence Legal Group, PC at ************. If they have any
questions or concerns after the case has been adjudicated, or if they have any questions on the account
ending in ****, they may contact Customer Service at **************.
Respectfully,
Matt
Compliance Department
Resurgent Capital Services L.P.Initial Complaint
Date:01/09/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Lvnv funding must stop collecting attempts and remove its trade mark from credit report i submitted a valid police report to have this removedBusiness Response
Date: 02/02/2023
January 19, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ***** *******; Case/File No. ********
Account Number: ****************
Original Creditor: ****** *** ***** ****
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 10, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on July 19, 2022. Resurgent Capital Services L.P. (“Resurgent”) is
the servicer of the Account.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
***** *******’s inquiry and believe the following information will address their concerns.
The Account originated on October 14, 2021 with ****** *** ***** ****. The last payment in the
amount of $37.95 was received on December 4, 2021. The Account charged off on June 26, 2022 with a
balance of $387.77. No payments have been received on the Account since it was acquired by the Current
Owner. The current Account balance is $387.77. Bill statements and terms and conditions on file for the
Account are enclosed for review. Please note that the address on the bill statements matches the address
that ***** ******* included in their inquiry.
The Account was previously charged off. Charging off an account does not satisfy the debt, nor
does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
the right to collect the account.
Resurgent received the electronic disputes that ***** ******* submitted through the credit
bureau(s), and in each case Resurgent sent a timely response, providing the bureau(s) with information
relevant to their dispute.
With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
Account records, the tradeline for this Account should not be deleted; however, it is being reported as
disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
new information indicates that the disputes should be removed.
We reviewed the police report that ***** ******* provided and have determined that the
documentation is insufficient.
If ***** ******* has any correspondence to/from the previous creditors or any additional
documentation concerning their dispute, we ask that they please forward it to:
Compliance Department or Fax: ************
** *** ***** **********
**** *** *****
*********** ** *****
Our records indicate that ***** ******* submitted a notice requesting that we cease communication
with them regarding this Account. When such a request is received, a restriction is placed on the Account
so that no further contact is made to the customer, except to respond to specific requests received from the
customer.
I hope my response has addressed all of ***** *******’s concerns. If there are any further questions,
comments, or concerns, they may contact Customer Service at ***************
Respectfully,
Monique
Compliance Department
Resurgent Capital Services L.P.Initial Complaint
Date:01/03/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This is an update to an unresolved issue!!! I just received my reinvestigation back from LVNV FUNDING. They said everything is 100% complete and accurate. I would like to receive the description according to 15 USC 1681i(7). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100% accurate. Account # LVNV FUNDING LLC **************** They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i(5)(A)(i). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g(b) whereas they did not provide me with validation of debt. Only an online "contract" in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b(2) because I did not provide them in writing to furnish this info onto my credit report.Customer Answer
Date: 01/03/2023
This is an update to an unresolved issue!!! I just received my reinvestigation back from LVNV FUNDING. They said everything is 100% complete and accurate. I would like to receive the description according to 15 USC 1681i(7). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100% accurate. Account # LVNV FUNDING LLC **************** They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i(5)(A)(i). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g(b) whereas they did not provide me with validation of debt. Only an online "contract" in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b(2) because I did not provide them in writing to furnish this info onto my credit report.Customer Answer
Date: 01/14/2023
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.Be
advised this is not a refusal to pay, but a notice sent pursuant to the Fair
Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and
validation is requested. This is NOT a request for verification or proof of my
mailing address, but a request for VALIDATION made pursuant to the above-named
Title and Section. I respectfully request your offices provide me with
competent evidence that I have any legal obligation to pay you. At this time, I
will also inform you that if your offices have reported invalidated information
to any of the 3 major credit bureaus (Experian, Equifax, or Transunion) this
action may constitute fraud under both Federal and State Laws. Due to this
fact, if any negative mark is found on any of my credit reports by your company
or the company that you represent, I will not hesitate in bringing legal action
against you and your client for the following: Violation of the Fair Credit
Reporting Act, Violation of the Fair Debt Collection Practices Act, and
Defamation of Character. My position is legal based upon sections of the Fair
Credit Reporting Act as well as the Fair Debt Collection Practices Act. These
laws are to make sure that a level and fair playing field exist to protect
American consumers from abusive reporting procedures on credit reports, as well
as illegal and deceptive collection practices. I stipulate at this time that
are no conditions nor am I making an identity theft claim or accusation, so I
demand that policy be adhered to by you as a creditor and/or data furnisher.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 :
https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf
Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text
on Resurgent/ LVNV Funding, LLC that is reporting the
affixed information, I am requesting full validation such as, original transfer
rights to collect, confirmation of legal timeline to report on credit and/or
collection procedures, validation of licensing requirements, posted bonding
requirements, oversight on monthly payment histories, proper subscriber
agreement compliance with credit reporting agencies, and overall compliance
with all Fair Credit Reporting Act and Fair Debt Collection Practices Act
bylaws as mandated by federal laws. If all of these requirements are not in
order, then I have the legal right to request the deletion of this tradeline
accordingly. I especially desire compliance under the 84-month timeline for
deletion of negative information, with the deletion of the account details
altogether. My dispute is quite specific in the exception area posted below:
605. Requirements relating to information contained in consumer reports [ 15
U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ),
Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h
], and 611. Also, during this validation period, if any action is taken
which could be considered detrimental to any of my credit reports, I will
consult with my legal counsel for suit. This includes any listing of any
information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from
the date of your receipt, all references to this account must be deleted and
completely removed from my credit file and a copy of such deletion request
shall be sent to me immediately.
Regards,
****** ********Business Response
Date: 02/14/2023
January 11, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ****** ********; Case/File No. ********
Account Number: ****************
Original Creditor: ****** *** Bank, N.A.
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 3, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on May 16, 2022. Resurgent Capital Services L.P. (“Resurgent”) is
the servicer of the Account.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
****** ********’s inquiry and believe the following information will address their concerns.
The Account originated on June 10, 2021 with ****** *** Bank, N.A.. The last payment in the
amount of $30.00 was received on September 14, 2021. The Account charged off on April 24, 2022 with a
balance of $776.95. No payments have been received on the Account since it was acquired by the Current
Owner. The current Account balance is $776.95. Bill statements and terms and conditions on file for the
Account are enclosed for review.
The Account was previously charged off. Charging off an account does not satisfy the debt, nor
does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
the right to collect the account.
With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
Account records, the tradeline for this Account should not be deleted; however, it is being reported as
disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
new information indicates that the disputes should be removed.
We have confirmed that we are reporting the Account to the credit bureaus accurately in accordance
with credit reporting guidelines. Resurgent does not supply this language to the credit bureaus and cannot
alter or remove it from the credit reports. ****** ******** should contact the appropriate credit bureau
regarding any information they believe is being reported in error.
Resurgent does not condone harassment or unprofessional communication with customers, as it is
our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,
we found no evidence of the mishandlings alleged in the inquiry.
If ****** ******** has any correspondence to/from the previous creditors or any additional
documentation concerning their dispute, we ask that they please forward it to:
Compliance Department or Fax: 866-********
** *** Attn: Compliance
P.O. Box *****
Greenville, SC 29603
I hope my response has addressed all of Montae Chappell’s concerns. If there are any further
questions, comments, or concerns, they may contact Customer Service at 1-888-********.
Respectfully,
Monique
Compliance Department
Resurgent Capital Services L.P.
Enclosure(s)Business Response
Date: 02/14/2023
January 25, 2023
Cindy R*****
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ****** ********; Case/File No. ********
Account Number: ****************
Original Creditor: ****** *** Bank, N.A.
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. R*****:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 17, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on May 16, 2022. Resurgent Capital Services L.P. (“Resurgent”) is
the servicer of the Account.
Resurgent has reviewed ****** *********s additional concerns. From our review, we believe most
of their concerns were already addressed in our response to their previous inquiry dated January 3, 2023.
We are enclosing a copy of our previous response for review.
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.
Please find enclosed the complete chain of assignment for your review, which proves ownership of
the Account. Please note that this Account is not specifically referenced in the attached chain of assignment.
A chain of assignment details the purchase of a portfolio containing multiple accounts, including but not
limited to this Account.
I hope my response has addressed all of ****** ********’s concerns. If there are any further
questions, comments, or concerns, they may contact Customer Service at 1-888-********.
Respectfully,
Monique
Compliance Department
Resurgent Capital Services L.P.
Enclosure(s)Initial Complaint
Date:12/30/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
You have DEFRAUDED me. It has come to my attention that you received payment on a debt that was canceled; however, you are still proceeding to collect from me. The notice to the agent is a notice to the principle, and notice to the principle is a notice to the agent. I demand that the following account be removed immediately:
LVNV FUNDING LLC
*********************
Per 15 U.S. Code § 1605, the finance charge is insurance that protects the lender in the event that the obligor defaults. The payment status of this account is in default, which means you received INSURANCE money! This account was then illegally listed on my consumer report as canceled debt.
According to the IRS, when a creditor cancels a debt, a 1099c form must be sent to the obligor or consumer. I never received my 1099c for this canceled debt. Therefore, you are forcing me into paying the balance, which is FRAUD. Since insurance money was collected, the IRS identifies canceled debt as income. Income does not get reported on the consumer report and TAX FRAUD has been committed!Business Response
Date: 02/15/2023
February 1, 2023
Brianna M*******
Better Business Bureau of Upstate South Carolina
408 N. Church St. Suite C
Greenville, SC 29601-2164
RE: ***** **********; Case/File No. ********
Account Number: ****************
Original Creditor: ********* ****
Current Owner: LVNV Funding LLC
Reference Number: *********
Dear Ms. M*******:
This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 30, 2023
regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
owns the Account, having acquired it on June 27, 2019. Resurgent Capital Services L.P. (“Resurgent”) is
the servicer of the Account.
At Resurgent, we take our customer service and consumer protection obligations very seriously
and have dedicated significant resources to our compliance-related functions. I have personally reviewed
***** **********’s inquiry and believe the following information will address their concerns.
The Account originated on September 2, 2014 with ********* **** The last payment in the amount
of $200.00 was received on August 3, 2018. The Account charged off on March 13, 2019 with a balance of
$4,355.84. No payments have been received on the Account since it was acquired by the Current Owner.
A judgment was obtained August 13, 2021 in the Superior Court, Judicial District of New Haven,
Connecticut with case number ****************. Our records indicate that ***** ********** was
served the summons and complaint on May 22, 2021. As of the date of this communication the current
balance is $4,378.02. Enclosed is a copy of the judgment for review. Because this debt is the subject of a
valid, legally enforceable judgment, Resurgent considers the debt to be valid and this dispute to be resolved.
With its purchase of the Account, the Current Owner acquired all ownership rights, including the
rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
Account records, the tradeline for this Account should not be deleted; however, it is being reported as
disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
new information indicates that the disputes should be removed.
Resurgent does not condone harassment or unprofessional communication with customers, as it is
our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,
we found no evidence of the mishandlings alleged in the inquiry.
I hope my response has addressed all of ***** **********’s concerns. If there are any further
questions, comments, or concerns, they may contact Customer Service at **************.
Respectfully,
Leo
Compliance Department
Resurgent Capital Services L.P.
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