LVNV Funding LLC: What to do if you find them on your credit report

Is this debt still in the SOL period? I would find that out,also. Sending a dv letter to them is your legal rights under the fdcpa reg. I would do this ASAP. But don't be surprised,I am still waitng for a dv letter from LVNV.Good Luck to you...Karen

Where can I find about Statute of Limitations?

I am being sued by this company,apperantly they purchased a charge off that was deleted out of my credit in 1994 from Household bank, and now they are claiming that I owe them. I do not even know this company...can any one help? or has anyone had a similar problem?? thatnks

Yes hi,
Lvnv funding llc came up on my credit report but no address or phone number to call or write. How do i go about finding out who and why this company came out on my credit report. How can i find out what they are chargeing me for?
Thank you,
Paloma chavez

I am only 10 should I get a credit card

I just recently looked at my credit report and they are reporting 5000 plus dollar debt i have no clue what that is and who they are ?

They are a fraud. They put things on your credit report and try to get you to pay a debt you do not owe. Go search the internet for them. The newest one they are using is where they say you owe money for a bill to MCI.

I had an account with them. They are awesome to work with. I owed them a couple of hundred bucks and they gave me a credit card to cover the debt which permitted the old debt to show up paid on my credit report. The new credit card only had the credit line for my amount of debt to a Visa. That gave me the opportunity to pay off the debt and the new credit card payment gave me the opportunity to renew my credit. It is an innovative new program designed o give folks a second chance and keep you from having to come up with one lump sum. I did that and paid off the new credit card. I then balance transferred another debt onto the credit card an ddid the same thing. All the time I was making payments on the new Visa and rebuilding my credit. It worked great. In 4 mnths I went from a FICO of 480 to 600.

Rachel D, if you are only 10 years old, why on earth would you need a credit card? Do you have a job? Would you be able to pay back what you would owe? Why don't you ask your parents if they think you should have one? Something tells me they would say NO! You will have plenty of opportunity to get a credit card when you are old enough and responsible enough. Enjoy being a kid! Go ride your bike or go fishing, do something that a kid should be doing and leave the credit cards alone.

The reason you are having trouble finding out correct addresses etc is the company uses many different names and addresses. Try googling Resurgent Capital services. We got a bogus collection from LVNV Resurgent etc also.

I have LVNV FUNDING on my credit score, I have no idea what it's for. Does anyone?

Guest, I don't know what it is for, but they are junk debt buyers. If you had a credit card charged off, chances are, they bought it. Find out if it is a legitimate debt, if not, dispute with the credit bureau.Good Luck...Karen

does the staute still apply if the charge off is bought by another company

Okay, so, I posted on here a while back that I had gotten something form LVNV Funding. Well, now they resold the account to northland group or something like that. They are offering to settle at a certain amount. Anyway, I have printed up the validation letter and i am going to send it to them. how long should i wait before i take further action?

I'm not sure what other action you are talking about. I would send the dv letter and keep copies of everything. They have no specified time limit that they have to reply. LVNV has received about 5 dv letters and follow up letters,of which they never have fully validated. Good Luck!...Karen

I have a different address for them mine is sioux falls,sd

Do you have a phone number for lvnv funding llc?

Check this out on LVNV funding on our Whiteboard at http://forums.debtcc.com/forums/lvnvfunding.html Hope this helps...Karen :D

You have the number wrong for Evansville, it's 866-861-8183

Just wondering if anyone had any insight.
My wife was married previously and had a debt charged off in 1998 or 1999. The original CC company wrote it off and 7 years later her credit report is clean. I got a call 3 days ago from Capital Management Services LP in Buffalo, NY. The lady asked for my wife and when I told her she wasn't in, she proceeded to tell me my wife owes a 5000 debt. After my inital suprise, she said the last payment made was 2003 and she was willing to offer her an excellent settlement of 1600 to clear it. I said I had not a clue what she was talking about and I pay all the bills in the house. While she was on the phone, I logged into my online bill pay and the origianl payee she mentioned, is not there. I told her we would need proof from the original creditor of the debt and the amount. She said I didn't want to do that cause them I would loose the settlement offer and have to pay the full amount. A red flag went up. OK, I told her. I need to speak to my wife and we will get back to her. I asked my wife about it and she said she has not had an account from the original CC comapny since 1998 or 1999 and they have tried this before. Today we got a letter from them with the amount they say we owe. My wife pulled her credit and it is clear. No LVNV, no Capital Management, no original CC company. No red marks, no derogatory statements.
My question is this. How can they say the last payment was 2003 when I can see no payment was made at all and my wife says it has been 9 years since this was valid. Obivously they are trying to get me to pay. You guys agree?
Also...since this does not show up on her credit at all, do we have anything to worry about. My wife is very confident that this is crap and they are only trying to get her to pay anything or all of it. I am a worrier by nature. Just looking for some reasurance!! :) thanks...this thread rocks!!

Also.....I have looked at the statute of limitations in my state and it is 4 years. With 7 being the max, so I believe either way, we are well out of the statute of limitations.

Main Number - 866-438-2860 or 888-411-4684

PO Box 385908
Minn. MN 55438-5908

Attn: Fran Boyd
Account Manager

That's the infor I have but is it legal for them to collect out of state?

these guys fold real easy. Send them a letter telling them that you'll sue them and they'll pull it off of your credit report. You can embarrass their collectors real easy as most have a 4th grade education level as well. Also, go buy yourself a tape recorder and record everything. If you reside in Texas and are receiving harrassment from any of these jokers, I have a great lawyer that works on a contingency basis.

Also, if you reside in Texas, they must remove an item from your credit report within 30 days if they can't provide proof. Also, in Texas, you can dispute the debt anytime, not just within the 30 days the fdcpa provides for.

I have a complaint filed against me by LVNV Funding for an account they purchase from sears. the account was at 2,606.31 now they are saying they want 3418.00. Is LVNV allowed keep adding interest to this account.
The arrangements I tried to make with them were unacceptable.

I work for a company that collects funds for LVNV Funding. They are indeed a collection agency. Example: If you ran up a Sears account but Sears had no luck getting their monies, they then sell the account to LVNV Funding, if LVNV isn't able to collect it we try to collect it for them. When we collect it, LVNV gets the monies, Sears already got the money from LVNV so technically YOUR money is owed to LVNV, once the account is paid off, you CBR will show both by Sears and LVNV that the account is either paid in full or paid as agreed.

LVNV Funding does have the right to add interest--it is new though. Some company will make an offer of settlement though usually around 80%--that'll take care of interest and some of what you owe.

Hello all,
first off, I just want to say that this is a GREAT forum, so much valuable information!! So glad I came across this board. You guys/gals are great!

I too have recently (11/30) been contacted by a law firm specializing in debt retrieval who is working with LVNV. Here is the deal, LVNV acquired my debt from another CA on 11/30/06 - the balance was 4200.00 when it left the previous CA's hands. Now, a week later, this law firm representing LVNV claims that the balence is 4975.00. I call this firm and asked them to give me the specific address to LVNV (since as you know, there are several), and said that I cannot contact them directly, and that I can only deal with this firm?? I explained that I wanted to send LVNV a debt validation form to verify the balance, and they said to send it to them (the firm). The first thing this firm said to me when I questioned the balance was that I had a pre-interest loan. I looked at the terms/conditions of my CC company and nowhere did I see any reference to a 'pre-interest loan' I need a search for the term on the web and nothing . . . I just don't understand how the balance can jump $700 dollars in 1 week. Just to confirm the reply above, does a CA have the right to add interest? If so, what is the maxium interest that they can add?

Thanks in advance!

Hello Sirs,

My name is Gary W. King and I have never had any dealings with Wachovia Bank at all. In fact I have never stepped a step in Wachovia Bank and have never did anything on-line with Wachovia Bank. It claims I have an account number of 544606001000879476 and the balance of $2291.19 and I am not paying something I dont know a dang thing about! I have been under Identity theft and I am sure this is what this is. I have never delt with Wachovia Bank in anyway!

I believe they are just reaching out and grabbing my name from the internet as far as address and all!

I am sorry to be so harsh, but when I dont owe them, I dont owe them. I dont know how in the world they have on me!

Thanks
Gary W. King

I see where this is all crooked stuff just to get peoples money! Like I said, I have never been in Wachovia Bank, Never had dealings with Wachovia Bank and never will NOW!

Lots of luck dealing with them. I keep receiving collection calls on these matters, and tried to settle the debt through one of the agencies associated with them. (there was no valid number available at the time.) Now i have 3 different agencies trying to collect the same debt. All i wanted to do was pay this off! So beware when contacting anyone about settleing. They are just the holding for different companies.

By the way thanks for a current number, the one listed on mine was disconnected.

The message i was sending was for lvnv funding and they are a nightmare. This was on an old sears.

Hi Gary welcome to the boards many will be glad to assist you here. you need to send them a debt verification letter. you can find a template to use on my blog site Debt Free Good luck and keep posting

Gary-good luck on the debt validation to LVNV! I have been trying to get them and all of their little companies to validate since Jan. They won't do it, they will just pass it aroung among themselves...Karen

Bossy, what are some of their other company names?I'm just curious incase they pass mine along too.

Guest, have a look at this about LVNV at http://forums.debtcc.com/lvnvfundingllc/index.html There is Sherman ,Resurgent,Phillips Cowen, along with others they will have. You can google them and find lots of info, none of it good!! Keep us posted..Karen

In account from over 7 years ago with MCi that I was sure was paid off, just appeared back on my credit report a few months agao. I know it was not there before because when I purchased my home a year ago, there was nothing about this company. I took the number from the credit report and that is how I found out what it was about. I do not understand how they can resurface something from a time period that was at least 7 years or more ago. I also lost the # and wanted to know how I can get in touch with the company to file a dispute.

I'm trying to pay off a debt owed to this co. and am having a hard time getting a good phone # to reach them to get payments started. You would think that a credit co that is in the buisness of chasing money would make themselves more easily contactable.

Tammy, if you'll look at the link I poted above you, there are some phone numbers there. Because they go by many names, be sure it's the one you are looking for..Karen

Bossy, I read an earlier post about LVNV that you wrote and i saw where you said they sold your informationd to 3 rd parties. I've been dealing with them for about5 months now too and actuallly have another court date with them this thursday.I am wondering if it is possible they too have given out my information to other companies for the fact that since this court thing has been going on I've been getting alot of calls and such about refinnacing and consolidating and things like that.I may be way off here but it seems kinda odd.And just llike you said they havent validated it yet, just the paper that they showed me at the last court date with barely any information that i felt they needed to validate.

I have the same problem. Today I got in the mail a letter from LVNV NY address that I owe them $135.44. They said original creditor is Citibank. I never had any citicard. I do not know what to think. My credit is perfect so far.

so people have all asked for a validation and it sounds like not 1 of you have got the legit answer. i tried doing that a long time ago, and now im out looking at my credit closing unused accounts and this is on there.. what the heck? seems like i can do nothing to cease this place. my situation is also from something that was paid off fully, sounds like most people here.

You can send a debt validation letter to LVNV funding, then, when they don't validate,dispute with the three credit reporting agencies. Good Luck..KAren

To whom it might concern, im being summons to court of this matter, i was married then when this came up and now i have been divorcednow for over 3 years. It was my husband that causede this , i wasnt a working wife the whole 15 years we wrer married. Im not working now. I hope the one that is head of this will be very happy of the things that are not the persons vault of this meaning, but i will be very understanding of this outcome of this. But im not the one you should be after. But things like this does happen a hunderd times in everyone marriages, and who does it really hurts the most, the one that dont have a damn thing to with it, but thats ok, i have made it throught hell and back because of this man, i know this isnt as hot as what i had to put up with for 15 years of his abuse. I want to thank you for your time.
Terresa mynatt--- borden now

These LVNV clowns are debt purchasers. They purcharse old debts for pennies on the dollar. Check your state's SOL. Never pay them anything or it might restart the SOL.

Teressa- I am sorry for all the problems that you are having, but glad that you are out of the abuse! LVNV is a junk debt buyer, who breaks alot of fdcpa regulations. I have been dealing with them, or one of their many other agencies for a year now. Be sure and show up in court on the date provided. Bring with you your divorce decree, and any other paper work you may have. I read another post where they had taken someone else to court, and they (lvnv) didn't show up, so maybe you'll get lucky! Keep us posted on what happens, we are here to support you :D Karen

They took me to court. They showed up the 1st time and spoke with me alone before hearing to try and get me to settle but I did not agree with any amounts they showed me.. They were not happy but i told them I wanted to go before the judge.Once in with judge they asked for continuance ,apparently because they did not have the validation I had asked for.2 months later at next hearing they did not show but continue to call daily.They will not let up on thematter no matter what.I would suggest if they do show up at hearing and talk to you alone do not agree to anything unless you are 100% sure amounts and such are correct,and whatever you do do not let them scare you into anything.And do not say more then you have to if anything when and if they get you alone.If its to this point, let the judge decide after you explain your side to him..Good Luck and let us know how it goes!

Beware...Lvnv Funding has many different names....they will shuffle the same account around between different companies trying to collect off of it when it is really all one collection agency

Beware of Lvnv Funding....once you dispute the debt with whatever attorney's office they are using...you'll start recieving collection notices from another company....mine is Sherman....they are all the same company...everytime you dispute, you'll receive another letter from someone else...they are all the same collection agency...it's a vicious circle. I have been doing this for 9mo now.

I know the feeling, I have been shuffled around for a year now by them!!..Karen They are also well know for breaking all sorts of fdcpa regulations..