LVNV Funding LLC

Unscrupulous collection agencies can wreak havoc on your financial security. Getting inaccurate collection accounts from LVNV Funding LLC removed from your credit file is one way to take back your financial freedom and get the credit you deserve.

If you have collection accounts on your credit report, this article will help you to understand who they are and why your credit has been impacted. We will also show you what you can do to repair your credit and get the collections removed.

Who is LVNV Funding LLC?

LVNV Funding LLC is a third-party debt collection agency with its primary offices in Las Vegas, Nevada. LVNV Funding outsources the management of its portfolio of accounts to a company called Resurgent Capital Services who is located in Greenville, South Carolina.

They may appear on your credit report as any of the following entries:

  • lvnv
  • lvnvfundg
  • lvnv collections
  • lvnv funding llc credit one bank

They are debt buyers that operate throughout the United States but particularly in the New York area where there have been multiple complaints based on their collection practices.

In numerous court cases, they have been determined to file lawsuits without adequate evidence to prove their case. In one case, in particular, LVNV Funding v. Hatzakis, the judge concluded that LVNV was unprepared to go to trial.

They were using these lawsuits to force contact with potential creditors in the hopes of getting a default judgment or settlement. As a result, the presiding judge threw out the case – a fact which points to the controversial nature of LVNV’s collection practices in general.

How did LVNV Funding LLC end up on my credit reports?

This collection agency typically buys unsecured credit card debt from companies such as Chase, Bank of America, Credit One Bank, Best Buy, Citibank, HSBC, Sears, and others.

These debts are purchased at substantially reduced rates, sometimes for pennies on the dollar. In some cases, they even buy time-barred debts, which are those that can no longer be legally collected through court action.

The collection accounts will appear on your credit report after the company has purchased this debt.

It’s important to realize that just because LVNV Funding LLC is on your credit reports, it does not necessarily mean that you owe the debt. Errors in reporting, account numbers, the amount owed and other issues are common.

In particular, if you see more than one company listing the same debt as a collection account, be aware that your debts may have been bought and sold numerous times.

All of which means that they may not be the current holder of the debt and should not have an open collection account listed on your report.

LVNV Funding/Resurgent Contact Information


55 Beattie Pl
Greenville, SC 29601

Mailing Address:

PO Box 10497
Greenville, SC 29603


Phone number: (888) 665-0374

Is LVNV Funding harassing you with constant phone calls?

Continued phone calls at all hours of the day are a commonly-used collection “tactic” used by collection agencies. You do not have to endure these phone calls.

The Fair Debt Collection Practices Act (FDCPA) provides you as a consumer with rights that protect you from unwarranted harassment. In particular, debt collectors cannot:

  • Call you before 8 in the morning or after 9 at night in your time zone
  • Call you repeatedly at your place of work or business if they have been told not to call
  • Contact you directly if you are represented by an attorney
  • Threaten you or verbally harass you (using swear words, calling you names, etc.)

To eliminate the constant collection calls, you have the option to make a formal, written request to them to cease telephone contact and provide all communications in writing.

Please keep in mind that agreements reached over the telephone are not binding unless you follow up with a signed agreement in writing. Therefore, don’t make any payments or move forward on any arrangements until you have written proof from LVNV that covers the terms of any agreement you’ve reached.

If you are requesting that they no longer contact you by phone, make sure you mail the request with tracking so that you can confirm it was delivered. You should also avoid signing any letters that you send – instead, type your name on all correspondence.

How do I remove LVNV Funding collection accounts from my credit report?

As a consumer, you have a right to dispute any inaccurate information from your credit reports. It is the responsibility of the original creditor or debt collector to provide timely, accurate information to the credit bureaus. If they cannot establish that the information they have about you is accurate, then they must remove the items from your credit report.

That being said, most third-party debt collection agencies pin their hopes on targeting the uneducated consumer. If you don’t know your rights, you can easily find yourself with several collections and potentially even a default judgment against you.

How to Protect Yourself Against Zombie Debt Collectors

Fortunately, there are several simple ways to protect yourself. If you have collections from LVNV Funding LLC on your credit reports and you need to remove them, follow these 5 steps:

Step 1

Request full debt validation in writing. LVNV Funding has a history of inaccurate and incomplete records when it comes to their debt collection practices. If they cannot prove that you owe the debt and that they have purchased the debt, they must remove the collection account from your credit reports.

They have 30 days to respond to your request for validation, and if they don’t, they must remove the negative information, regardless of whether or not the information is accurate.

Step 2

Keep an eye out for disparities. Review your credit reports for any other collection accounts, and keep an eye out for duplicates that could indicate the debt has been bought and sold multiple times.

If you see several accounts from different companies, it’s a red flag and you’ll need to dispute the debt with each collection agency listed on your account.

Step 3

Double-check any response you receive. Do the account numbers match up to your records and what LVNV Funding says you owe? Do the dates on the accounts match up? Are there other discrepancies? No error is too small to dispute.

Step 4

Put your dispute in writing. If LVNV is still insisting that the debt is valid, you’ll need to file a formal dispute with the credit bureaus, listing all of the relevant information you’ve found so far.

If there are a lot of collection accounts, it may be easier to hire an experienced credit repair specialist to help you get your credit back in order.

Step 5

Be ready to negotiate. If the collection account remains on your files after a dispute, you still may have some leeway. Oftentimes, these debts will be past the statute of limitations to sue (a.k.a. time-barred debt).

If that is the case, and the debt has not passed the reporting limit, you may be able to negotiate a pay for delete. This is where you offer to pay a lesser amount in exchange for having the account removed from your credit profile.

Need help removing LVNV Funding from your credit report?

Because LVNV Funding has been known to take legal action against consumers in the past, we don’t recommend going it alone unless you have extensive experience handling collection disputes.

It may be best for you to seek legal advice from a professional credit repair service or law firm. They can give you the peace of mind you need to move forward and get the best result.

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