Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (OH)

I had a prior account with CITICARDS CBNA My account status states Paid. Remarks state Settled - less than full balance Closed on XX/XX/XXXX. LVNV Funding LLC not only posted this against my credit report for over the past year for a total against me as {$9300.00} they then in XX/XX/XXXX tried to sue me in court. I had to then had to pay an Attorney {$750.00} ( which I was not paid back ) and It was settled in court that I am no responsible for the set amount above. Then case was dismissed.- Again I am still out $ XXXX when this was an account that had already been taken care of and now I had to prove that they were in the wrong and I still got taken advantage of from paying the said amount above. This is still on my credit report. This has been on my Report for over a year- with that being said- I have had much difficulty trying to get any type of loan as this is against me and also bringing my scores down. This is completely unfair, and I feel I have been taken advantage of and I have been trying to build my credit back up and this has been very devastating. My husband and I need to consolidate debt and we can't. My Child needs braces and we can't afford to get a loan. We are in need of this being off my credit report and honestly this company is in the wrong and for me struggling over the past year dealing with this on my credit and plus being out the {$750.00} I feel this company needs to be in trouble and they should be responsible for not only paying me back but also removing this OFF MY CREDIT. Please. 


I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my ENTIRE complaint. 
As I have stated in the last two complaints, I NOT ONLY want this issue off my credit report ( which you all have stated you would take care of ) Bu I also am out {$750.00} in Attorney fees which has put me out a great deal. I had to charge these fees as I didn't have the {$750.00} cash on hand- so now I am making monthly payments on these fees. I had to pay for an attorney as LVNV Funding LLC was threatening to sue me and take me to court. This is beyond unfair and unjust as what the company was trying to sue me for was an account that had already been taken care of a couple years back. I had to seek an attorney, I had to also leave my job, my place of employment 2 hours early in order to make it to the post office to sign for this " certified letter '' as when the post office tried to deliver this, I had been at work each time and unavailable to sign. I left work 2 hours early ; I lost 2 hours of pay. This is crazy. I feel the company is at complete fault, as I have proven this in past documentation. I feel the company owes me the {$750.00} back. I feel I shouldn't have to reach back out to an attorney to resolve this as the company should do this on their own as they are the ones at fault. LVNV Funding LLC was on my credit report, took my information without permission and then tried to get the same money back that had already been settled and had put derogatory mark on my credit report for over a year! If anything at all they should be held accountable for my attorney fees. This is completely unfair and unjust, and I honestly feel that maybe I should reach out to the media for support on this issue to, to make others aware and to see if this continues to happen to others. 
I am very upset and unhappy that this continues to go back and forth. Furthermore, in the last message the company states they resolved my issues- NO they haven't fully resolved my issues at all. 
I have attached proof of my attorney fees and the total cost. 
I could be asking for my loss of wadges from my job where I had to leave 2 hours early. I could be asking for my time and gas money for making a trip clear to the Post Office. I'm only asking for my attorney fees to be reimbursed. 
It would be different had I been at fault. It would be different had they not been Sueing me for an account that had already been taken care of and closed! This is not my fault. This company was trying to scam me and get more money and in return really has put a burden on my credit reports. THIS IS UNJUST and this shouldn't be allowed to happen to me. I'm sure this has happened to others, and I will do my research to find out. I feel this is being swept under the table and half taken care of as " we will take this action to remove from credit reports '' - this still isn't fair. I have been put out and treated poorly and unfairly. 

Regards, XXXX XXXX ***** The BBB was able to assist in removing this issue finally off of my credit reports- however they were not able to assist with anything else. 
Unfortunately this company is going to continue to do this to other as they are not being held accountable. They should be made to pay me back my fees. 
This is very upsetting and disturbing. 
Thanks XXXX XXXX