Product: Debt collection

RE : XXXX XXXX XXXX  XXXX XXXX  Corporate Headquarters : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX XXXX, XXXX. Global Headquarters XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX : Date Approved : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX On XX/XX/XXXX I opened a XXXX XXXX credit card online and purchased a XXXX XXXX XXXX toothbrush for {$79.00} and another item that was returned. I received a credit card number online at point of purchase with a credit limit of {$1900.00}. I never received an actual credit card, however. 

In XXXX, I received an initial bill with {$6.00} due on the first payment as a result of the return. At this time, I attempted to establish an online account to make payments, as I had with all my other recurring credit card, utility, mortgage, and other accounts. However, contacting and working with XXXX was an unusually confusing and unprofessional experience where I was referred to various departments and back and forth between XXXX and XXXX. Finally, I was told that neither XXXX nor XXXX could validate my account or even who I was, and had no record of my credit card account number. 

Frustrated with this ridiculous process and waste of time, I set the bill and issue aside thinking that it would be resolved at the next billing cycle or when I received my credit card. Unfortunately, as far as I recall, I never received another hardcopy billing statement from XXXX and promptly forgot about the account and the small payment due. 

I never heard from XXXX again, nor XXXX XXXX. However, on XX/XX/XXXX of XXXX, while reviewing one of my credit reports, I noticed a fraudulent address on the report : XXXX XXXX XXXX, # XXXX, XXXX, MI XXXX. This was listed as my residence since XX/XX/XXXX ( The proximate time when the XXXX account was opened by me and the first bill received ). I live in Nebraska and have no other residences or addresses. I notified XXXX  of this and they promptly investigated and removed the address from my credit report as FRAUD. XXXX EXHIBIT D ) On this same credit report, there was also posted notice of a collections account for {$290.00} from a debt buyer, LVNV Funding LLC/Resurgent Capital Services at XXXX. XXXX XXXX XXXX, SC XXXX XXXX XXXX ). Along with this account was posted notice that the account had been charged off by XXXX XXXX  on XX/XX/XXXX. 

This was all news to me since I had not received billing statements from XXXX XXXX  or XXXX, had received no correspondence or calls about a late payment or that the account was in danger of being charged off, and did not receive the legally required Notice of Assignment ( NOA ) under Section 136 of the Law of Property Act from XXXX XXXX  to inform me that the account had been assigned to the debt buyer LVNV. 

On XX/XX/XXXX, I contacted LVNV at the number on the report. I spoke with XXXX. I explained to her that I had no idea who LVNV was or why they had put a collections notice on my credit reports, stating that I owed {$290.00}. The only charge I had made on XXXX was for a toothbrush at {$79.00}. XXXX said that the balance was probably from late fees and interest, since the card appeared to still be open. I explained that I had received no bills or notice of this, so would not be paying any such fees. I also explained that under FDCPA, LVNV is required to provide written notice of the debt and collection action, and of my right to obtain validation of the debt ( 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.16 ), and can not under law, without incurring liability, place a collections notice on a debtors credit reports. This was clearly illegal and damaging. I never received any communications from LVNV, no communications or billing from XXXX or XXXX XXXX, no opportunity for debt validation, and did not know who you were until I saw your company listed on my XXXX  report on XX/XX/XXXX. 

XXXX reviewed my account and at first thought that my address was the fraudulent address in Michigan, which apparently was where my bills and information was being sent. When I explained to her that this was a fraudulent address and had nothing to do with me, and that XXXX had removed it, she seemed to understand the problem I had been having with the account due to a wrongful address and/or credit fraud. XXXX told me she was going to file a dispute and that I would be hearing from them. 

At that time, I also called XXXX XXXX  but was unable to get anyone to listen to my concerns since the account had been charged off and was with LVNV. The Bank personnel referred me to LVNV to address my issues. 

On or about XX/XX/XXXX, I received a letter with attachments from LVNV/Resurgent sent on XX/XX/XXXX stating that the enclosed information was a verification of my debt and a demand to pay {$290.00} ( EXHIBIT A ). Enclosed was a summary of the debt and original creditor, XXXX Bank, XXXX. XXXX XXXX, XXXX, GA XXXX, who had charged off the account on XX/XX/XXXX for {$290.00}. Also was attached a billing statement from XXXX XXXX  date XX/XX/XXXX, the date of charge off. Ironically, the address on the billing statement was the fraudulent address in Michigan with my name at the top : % XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX. ( SEE EXHIBIT A ) Here, it is clear by their own fact statement on their billing statement that XXXX XXXX  was sending my billing statements and correspondence to a fraudulent or wrong address in Michigan. However, in bad faith, LVNV/Resurgent made no effort to address this error, as had been promised by XXXX on XX/XX/XXXX, and to stop its collections efforts, despite my sending them two letters and substantial documentation to prove that they were in the wrong and should address this issue with XXXX XXXX  to remove the charge off from my credit reports ( EXHIBITS E & F ). LVNV also made no effort to remove the illegally placed collections notice on my credit report but persisted in collections and in damaging my credit. 

Finally, as a result of this situation I reviewed my information regarding XXXX and found that on XX/XX/XXXX I had received at my real address in Nebraska correspondence from XXXX XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX, IA XXXX ( EXHIBIT B ). This was a notice that my account with XXXX was past due but could be brought current and paid in full for {$39.00}. However, the account number on the notice from XXXX did not match the account number I had received from XXXX in XXXX of XXXX, so I had set it aside thinking it was a scam. Finding this notice again, I called XXXX XXXX. XXXX and spoke with a representative. She knew nothing about LVNV/Resurgent or any charge off from XXXX XXXX  or collections action. She also said that the account number on their billing statement did not match my account number but that this was their own accounting number for my actual account from XXXX. I asked her if I could still pay this balance due for the XXXX account and she affirmed this and told me how to find my Nationwide account online. As a result, I went online and paid the {$39.00} balance due to bring my XXXX account current. The payment was retained by XXXX and withdrawn from my bank ( EXHIBIT C ). Proof of this payment was also forwarded to LVNV/Resurgent but made no difference to them since they only cared about extorting money from me. The payment was also made to XXXX via XXXX but was also not acknowledged by removing the charge off. Under law, since I never received a Section 136 NOA, any payment made to the Assignor, here XXXX XXXX, must be accepted and be removed from your accounts balance due. 

Under this law and error, XXXX XXXX  would have to reverse its charge off on this fact alone, not to mention the incorrect billing to a fraudulent or wrongful address that violates numerous federal laws, including the Fair Credit Billing Act ( FCBA ), the Truth and Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX  sloppy, careless, disorganized management of its XXXX accounts, or its lack of providing secure access to online credit card information and billing, was the cause of the charge off and any accumulation of late fees or interest on the {$39.00} balance due. In fact, in Nebraska there is a usury law under which Synchronys {$290.00} interest charge, as it is listed, is illegal. {$290.00} interest on a balance of {$39.00} over six months is 632 % interest. This is usury and such exorbitant interest charge likely violates many federal and other state laws.

To summarize : 1 ) For whatever reason, XXXX XXXX sent my federally required billing statements and any other correspondence to a third party or fraudulent address in Michigan instead of to me at my address in Nebraska, where my account was established and my first statement was sent. I discovered this fraudulent address on my XXXX, XXXX, and XXXX  credit reports in XXXX of XXXX and these were removed by these reporting agencies after they conducted investigations. As a result of this error or fraud, my credit was damaged and defamed by a charge off of his account by XXXX XXXX, a charge off I knew nothing about and for which I received no federally required Notice of Assignment. 

2 ) I paid this account in full for {$39.00} after speaking with XXXX XXXX XXXX XXXX, when discovering their offer and after speaking with a XXXX representative. 

3 ) At charge off on XX/XX/XXXX, XXXX XXXX  sold his account to debt buyer, LVNV, for pennies on the dollar. The balance due at that time was {$290.00}, {$250.00} of which that was listed as interest charged by XXXX for 6 months on {$39.00} principlea return of 632 %, clearly in violation of Nebraskas Usury statute. However, under both contract and under federal and state law, XXXX XXXX  can not legally hold me liable for payment, late fees or interest, or charge-off of his account when I did not receive required billing statements and other notices in regard to his account, and when indeed the account was paid in full to XXXX XXXX XXXX XXXX XXXX 

4 ) I made debt buyer, LVNV/Resurgent fully aware of this situation, sent documentation to support his claims, and two letters of explanation, as well as speaking on the phone about what happened several times, explaining that they had a duty to contact XXXX XXXX and to remedy the error, including removing negative collections reporting that they had placed on his credit reports. LVNV/Resurgent did nothing, other than demand that I prove fraud by filing a police report, despite that I had forwarded the information regarding fraud from my XXXX  report. LVNV/Resurgent made no considered effort to resolve the situation, missing the point of his dispute and making no attempt to understand and repair it. Instead, LVNV/XXXX  continue to send me perfunctory validation letters and demands for payment, while continuing to harm my credit by leaving the erroneous and defamatory negative credit information on my reports. LVNV/Resurgent gave the impression that all they care about was collecting money, whether or not this was actually due, a just action, a mistake, or extortion. 

At this time, I simply ask that XXXX XXXX immediately remove the charge offs from all my credit reports and place a statement of error in my files and with credit bureaus, serving me notice of this action in a formal letter. I also ask that XXXX XXXX  contact XXXX XXXX, XXXX, to verify my payment. Finally, I ask that XXXX contact debt buyer LVNV/Resurgent to report this error and to demand that they also remove any collections information from all of my credit reports along with a letter of explanation to the credit bureaus to be placed in my file. LVNV/Resurgent should also send a letter of apology to me, releasing me from any liability to them for payment. 

If this is not done ASAP, I will have no choice but to sue XXXX XXXX  for damages, along with debt buyer, LVNV/Resurgent, who I am not releasing from legal liability at this time but giving the opportunity to mitigate their damages to me. This is not an idle threat. I am retired but have a XXXX XXXX and know my way around the courts in litigation.