LVNV Funding trying to collect on a PAID debt.

This is my post, I signed up for an account today.

unfortunately this sort of thing happens a lot. why it happens? i dont know, maybe someone else can enlighten you on this. frankly you might just have to keep copies of the paid in full letter stating the original account number and creditor and the fact that it was paid in full (or settled for that matter) and forward copies to those who try to collect on it. in the meantime keep an eye on your credit report and make sure they dont report it. you MIGHT want to try contacting LVNV, though they might refer you back to the agency collecting. but if you slow them down and explain the situation they might be able to help... or not. but its worth a shot.

I think I'm going to go ahead and send them a verification letter to dispute it. In the meantime I will get another letter of payment from the company that I paid, and re-collect the rest of the information necessary to prove that I did pay the debt. I did request copies of my credit report, I'm only waiting on Experian. I think I'll contact my Unions lawyer again and see what he recommends. Thanks for the suggestions.

I did try calling LVNV, but the number went to Resurgent, and they didn't want to talk to me about it. They did just refer me back to Redline.

When you paid the original CA, did you pay in full or settle for a lesser amount? If you settled for a lesser amount, did you have an agreement in writing stating they would not sell off the remaining balance?

I believe I paid it in full. I will have to check though. When Resurgence called me it was because they apparently could not do basic math. When I made the payment to the original agency, they took the money out 2 days prior to the agreed upon date, and the payment bounced. I called them the day that it bounced, and paid them with my mother's credit card. That was what the rep from Resurgence said was the problem. They saw the payment, then the bounced check, and their system did not show the second payment, until they looked into the matter further. They actually sent me a letter saying that the debt was verified as paid prior to when my attorney was going to contact them. Like I said, I was a dumb-a_ _, and apparently did not keep all that paperwork.

Of course now Resurgence won't give me any information regarding their attempt to collect on this debt. I have to wait until I get my Experian credit report to get the original collectors (that I paid) info to call them.

And I am certain that if I did settle, that I didn't request them not to sell the rest of the debt. And I'm sure they don't give that type of thing away without being asked.

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Ok, here's an update. I looked on all of my credit reports and that debt is no longer shown on any of them. It does not even show up as a collection account, past or present. How do I track down the collection agent that i paid to get proof of payment? This was 3 years ago that I paid it. And my mom does not have access to 3 year old credit card statements. Should that payment show up on the DV if they can provide it?

Have your mom check with her credit card issuer--they are required to keep records for a certain number of years before they send them to archives. You might get lucky there.

Also, keep digging for that paperwork!