LVNV Funding buys accounts from banks, creditors and other agencies of dubious repute. They use a variety of other collection agencies who charade or double as law firms. I was sued over a credit card I paid off in full 13 years ago. I told "Zwicker and Assoc." who represent LVNV, repeatedly I had paid off that bank card. They continued to harrass and intimidate with phone calls, refused to give me an address so I could write them a cease and decist letter, but they would still press me for my bank info and checking acct number. I would hang up. Next thing I know I get served a lawsuit claiming I had recently opened an account with a bank I think has been defunct for at least 5 years and that I owe nearly $9000. Plus atty fees and 2 years interest. I had to file an answer in court to avoid a automatic judgement. I immediately contact the credit bureaus to request copies of my report, and all 3 showed no entries from the bank I supposidly owed, nor LVNV nor Zwicker, however they did appear several times as having made "inquiries" upon my credit. There are no negatives, no judgements on my revolving lines of credit on any of my 3 reports. The "debt" is a fabrication!
Zwicker sent me formal inquiries and a request for admissions (confessions), which were all lies. I denied the accusations and I submitted to the requests and for my proof sent them all 3 of my pristine credit reports from Experian, Equifax and Transunion. I thought this would be the end of it. Wrong.
Last night Zwicker calls to tell me they got a judgement against me. I was shocked, how could they do this when I followed the law by the book. I scoured the internet court dockets and decisions, not finding anything. So this morning I called the court clerk and told her what happened. She ran the court case number and told me NOPE, no judgement. No Default, and NO court date. Zwicker had lied to me in yet another attempt to extort money from me.
I had already called the FTC and OCC early in the drama, today I updated my complaint. They will take action if they get enough complaints from consumers! So please call the FTC and tell them your story, file a complaint. They really do listen and take your report, making note of violations of Federal laws. You can also file a complaint online at www.ftc. Gov
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