05-25-2013 11:33 AM
Cool, then I should hear something early next week......!
05-27-2013 08:34 PM
Hi! I'm new to the forums, but am dealing with LVNV...I'd love the PM too. Thanks in advance!
05-28-2013 01:37 PM
Ug! Still waiting to hear on my BBB complaint! Driving me nuts! I want these credit terrorists gone!
05-28-2013 03:32 PM
Thank you to everyone on this board who has contributed thier stories. Because of it, I was able to get LVNV to remove thier reporting from my reports. For those fighting this company I submitted a BBB complaint with regards to them listed as open, factoring, and increasing my balance each month by 4 dollars. This is my first successful fight, so I am pretty excited right now. Hopefully they wont just sell it off to someone else - even so it reaches CRTP in a few months.
I received my results today:
Dear BBB employee name:
This letter is in response to XXX complaint dated March 5, 2013. LVNV Funding LLC (“LVNV”) currently owns the account number ending XXXX. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV.
After further investigation, the following account has been closed. 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. We apologize for any inconvenience experienced regarding this account. Additionally, XXX should receive no further communication from our office regarding this account.
Acct No. xxxxxxxxxxxx Reference No. Original Creditor: HSBC Bank Nevada, N.A.
If you have any further questions, comments or concerns, please contact Customer Service at 888-665-0374.
Resurgent Capital Services L.P.
Great Job. I know you have had alot requests but if you would i would appreaciate the info as well.
Thank You so Much
05-29-2013 11:33 AM
Got my reply from the BBB today.
"After further investigation, the following account has been closed. 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. Additionally, XXXXX should receive no further communication from our office regarding this account.
Acct No. xxxxxxxxxx0342 Reference No. XXXXXX Original Creditor: XXXXXXXX.
If you have any further questions, comments or concerns, please contact Customer Service at XXXXXXXX.
In my complaint I simply laid out my position that:
1) I never recieved a Dunning notice
2) I sent 2 DV letters to LVNV and both were returned to me non deliverable
3) The account # they referenced on my credit reports was and never has been an account number for any creditor I have ever had and that they (LVNV) could not and would not provide any more information or detail for me to validate the debt they "claimed" I owed.
You can attach 1 document via the BBB's system, so I PDF'd my DV letters and green cards.
In the text of my complaint I added a line at the bottom that after exhausting all efforts to get LVNV to validate this debt I was utilizing what I consider my "last resort" options of:
1) BBB Complaint
2) Complaint to the State Attorney General
3) Complant to the State Board of Collections Agencies
4) Complaint to the FTC
5) Lawsuit if the above were not succesful.
$200 CA account.
Pretty simple really.
I think they just bank on people paying, and of the hundreds of thousands of debts they buy, they will roll over if you get nasty with them.
05-29-2013 12:59 PM
Oh Happy Day! OH HAPPY DAYYYYYYYY... Thanks Beanie for making space for all of us in your lifeboat. I think.... there will be a deletion, but, it only shows one account being deleted. There were two listed which I actually think are the same account listed twice different account numbers. Does a tradeline deletion mean all instances of LVNV on my reports?
05-29-2013 02:03 PM
Aphrodite - Did you list each account number in your complaint? I would have if there were two or more on my reports. I also would mention that the second instance is a duplicate of the first.