• Report: #442733

Complaint Review: Northland Group,Inc. - NCO Financial Group - LVNV Funding LLC

  • Submitted: Fri, April 10, 2009
  • Updated: Fri, January 27, 2012

  • Reported By:Oroville California
Northland Group,Inc. - NCO Financial Group - LVNV Funding LLC
P. O. Box 390846 Edina, Minnesota U.S.A.

Northland Group, Inc. - NCO Financial Group - LVNV Funding LLC collection harrassment on a fully paid account Edina Minnesota

*Consumer Comment: Debt Collector Employee is a jerk

*General Comment: Typical Response from a collection agency employee

*Consumer Comment: typical response from dirtbag bottom feeder

*Consumer Comment: You have Obligations

*Consumer Comment: You have Obligations

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We were delinquent on our Sears account and not at all surprised when we received a letter of collection from Universal Fidelity. We shortly paid the full amount and settled this debt.

Nearly one year later we began receiving letters of collection from LVNV asking for about half of what we had already paid to Universal for the same Sears account (we only had one). We contacted them at the number listed, explained the situation to a very rude CSR who told us that it is not their problem and for this to go away we would have to pay them or they would report it on our credit as a delinquent account. We called back again and spoke to a slightly less rude CSR who told us this is an attempt to collect on our Sears account and for us to have it removed we would need to produce a statement of payment with Unuversal showing the full original Sears account. We offered a copy of our bank statement and a copy of the cancelled check and we were asked not to send these items as they did not show the original creditor.

We contacted Universal who easily located our long since paid debt and promised to send the payment statement. We waited 2 weeks it never arrived, we called again and they again promised to send it. When it did not arrive we called and were then told one specific person only can help us, Trish, and we were transferred to her voicemail. In a month we called no less than 15 times and never received a return call. We tried the long route again with regular CSR's and were always routed back to Trish's vm. I sent several emails to the corporate Universal email address. I mailed a letter pleading for help. No Luck.

About another year went by and we received another letter from LVNV now with a higher balance. We contacted Sears who could not or would not tell us who our original debt was sold too or if it had been sold twice. We contacted LVNV who told us we needed the letter from Universal to close ts account. They now (2 years later) have not stopped the incessant phone calls and letters demanding money.

I want to just accept their most recent settlement offer so it will just go away already and allow my credit to repair from its only blemish and a huge one to boot. However, I can't bringmyself to pay for something that I have already paid and it was paid over 3 years ago in full.

I no longer have an account at the same bank from which I wrote the payment check to Universal and they did not provide the cancelled checks.

How do I get this off of my credit report or prove that I don't actually owe LVNV a dime

Atwitsend
Oroville, California
U.S.A.

This report was posted on Ripoff Report on 04/10/2009 09:13 PM and is a permanent record located here: http://www.ripoffreport.com/r/Northland-GroupInc-NCO-Financial-Group-LVNV-Funding-LLC/Edina-Minnesota-55439/Northland-Group-Inc-NCO-Financial-Group-LVNV-Funding-LLC-collection-harrassment-on-a-442733. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Consumer Comment

Debt Collector Employee is a jerk

AUTHOR: SkipTraceBusters - ()

The Voice of Reason is just being a typical scumbag bill collector - A condescending jerk.  I do laugh as this individual accuses you of cresdibility when this individual works in an industry with almost no credibility.  Their tactics continue to flout the law and this fact is based on the numerous legal judgements and fines levied against their ilk.

 

Instead of arguing with the jerks from LVNV you should have sent and still can send a letter demanding that they no longer contact you by phone and that they provide proof of your debt.  The obligation is not yours under the law to prove you paid it.  Insist that they provide that you indeed incurred the debt by supplying the consumer agreement signed by you to open the account and the validation of the charges made to the account.  Most of the time they just send a "statement" which is NOT proof of debt.  Signed reciepts and or signature images captured electronically are.  Until they provide that I would just ake the stance that they have not validated the debt.

 

Now this is for Mr or Mrs voice of reason - people like you are the scum of the earth.  It is your condescing tone and arrogant I am better then the consumer you are trying to collect from.  I teach people to never deal with you guys on the phone - never.  The lies and tactics you guys use are horrible and all you do is troll on internet postings to do what you do best - treat consumers like crap.  You are the modern day equivilent of the tax collectors of biblical times.

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#2 General Comment

Typical Response from a collection agency employee

AUTHOR: Common Sense Says... - (United States of America)

The response was so A Typical of a CA employee or owner it's sick. It's truly amazing how a collection company feels owed when they buy JUNK DEBT for pennys on the dollar....knowing it's a risk and knowing they DO NOT TRULY OWN THE DEBT...it's referred to as Unjust Enrichment
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#3 Consumer Comment

typical response from dirtbag bottom feeder

AUTHOR: Marie - (United States of America)

I am not rebutting the original report but the bone head response from the bottom feeder who is either illiterate or just plain stupid. These people have paid their debt by agreeing to settle. Thus, the  other party who offered the settlement agreed. The other half of the unsettled debt was sold off to scumbags like you who buy up uncollectable debt after the original alleged creditors have received tax consideration via a write off for profit loss and this re aging of old debts as new remains to be a violation of the FDCPA and Fraud. Realistically, scumbag, people fall behind in bills for different reasons. Someday karma will catch up to you and bite you in the a$s. Even bottom feeders like you and LVNV funding have to respect and work within the confines of the law...
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#4 Consumer Comment

You have Obligations

AUTHOR: The Voice Of Reason - (U.S.A.)

Your issue should be with Universal Fidelity, not Northland Group. Northland Group as a collection agency has an obligation to represent their client. As a Debtor, you have an obligation to pay your debts timely - which you apparently did not do. As a Debtor, you have an obligation to show that the debt was already paid - which you apparently can not do.

You say you paid the "full amount" and "settled" the debt. Those are contradictory terms. If you paid the full amount then there was no settlement. A settlement means you compromised with the collection agency and paid something less than the full amount. Words do have meaning.

In order to document that you paid an account already you need to be able to show that the cancelled check was payment on the account in question. If Northland thinks you owe $1,400 on a Sears account, and you show them a cancelled check for $800 ... how do they know it is for the Sears account? (hypothetical numbers, of course) Do you have a letter from Universal offering to settle the $1400 Sears account for a payment of $800? Usually a written offer to settle has a deadline. Did you meet the deadline?

No one is going to believe you paid the bill just because you say it is so. You already lack credibility because you promised to pay the bill on its original terms, and you did not. You have to jump through some hoops, and until you do the debt will remain in collections and on your credit.
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#5 Consumer Comment

You have Obligations

AUTHOR: The Voice Of Reason - (U.S.A.)

Your issue should be with Universal Fidelity, not Northland Group. Northland Group as a collection agency has an obligation to represent their client. As a Debtor, you have an obligation to pay your debts timely - which you apparently did not do. As a Debtor, you have an obligation to show that the debt was already paid - which you apparently can not do.

You say you paid the "full amount" and "settled" the debt. Those are contradictory terms. If you paid the full amount then there was no settlement. A settlement means you compromised with the collection agency and paid something less than the full amount. Words do have meaning.

In order to document that you paid an account already you need to be able to show that the cancelled check was payment on the account in question. If Northland thinks you owe $1,400 on a Sears account, and you show them a cancelled check for $800 ... how do they know it is for the Sears account? (hypothetical numbers, of course) Do you have a letter from Universal offering to settle the $1400 Sears account for a payment of $800? Usually a written offer to settle has a deadline. Did you meet the deadline?

No one is going to believe you paid the bill just because you say it is so. You already lack credibility because you promised to pay the bill on its original terms, and you did not. You have to jump through some hoops, and until you do the debt will remain in collections and on your credit.
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