Cont’d attempts collect debt not owed

Posted on Posted in Complaints, Debt collection

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On XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) state in a letter to me that they would ” verify the charges I was disputing and select a final course of action. ” At that time, my balance owing was {$270.00}, with the ” amount due balance of {$170.00}. ” XXXX XXXX had taken over as XXXX ‘s credit card provider, from XXXX on Acct. XXXX. On their XX/XX/XXXX to XX/XX/XXXX statement, I owed {$140.00}. XXXX did not inform me in writing that they were taking over servicing all XXXX accounts and I immediately cancelled my XXXX XXXX card! XXXX XXXX never showed this account as cancelled, continued to charge monthly interest on it, despite my numerous attempts to contact them, both in writing and by phone, until my fake ” balance was {$350.00} and had been sold to a company called LVNV Funding of Nevada, whose lies claim I began this account on XXXX XXXX, XXXX. This account has remained on my credit report with the XXXX preposterously unregulated ” Reporting Agencies ” to this day, forcing me to miss receiving a loan from XXXX XXXX, a company with whom I had an exceptional relationship, but due to this one payment I do not owe to LVNV Funding, I was forced to get my auto loan at a much higher rate than the ” XXXX ” rate XXXX XXXX offered and have been denied credit numerous times since. I am currently XXXX years old, collect Social Security of $ XXXX/month and can ill afford to pay more for basics such as decent transportation AND my good name restored, without relying on expensive Credit Consulting Services.

Please insist that these lying creeps at LVNV Funding ( who also launched a daily collection call campaign against me in XX/XX/XXXX, close this account, as requested in XX/XX/XXXX, before it was ” sold ” to phantom collection agencies and took on a new life, all derogatory to me.

Only your organization can help, since this company is expert at contorting the truth, fears no legal measures to cease and desist their fraud and can only ( finally ) be muzzled by you!

Thank you.

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