Quick Answer: LVNV Funding LLC is a debt buyer based in Greenville, South Carolina that purchases charged-off consumer accounts — primarily credit cards and personal loans — from banks and retailers. They do not call you directly: their servicer, Resurgent Capital Services, makes all collection contacts. If Resurgent Capital is calling you, they are collecting on behalf of LVNV Funding. Their most commonly reported outbound numbers include 866-464-1183 and 877-893-0165. LVNV Funding has 8,874 complaints in the CFPB database — the single largest complaint category is attempting to collect debts not owed.
If LVNV Funding or Resurgent Capital is in your call log: This is a business communication from a company that purchased old debt — possibly years or decades ago. You are not in trouble. You have legal rights that apply regardless of whether you owe the money or not. This page gives you the facts to respond from a position of knowledge, not fear.
| Company Detail | Information |
|---|---|
| Company Name | LVNV Funding LLC |
| Servicer (Makes the Calls) | Resurgent Capital Services L.P. |
| Type | Debt buyer (passive); collection serviced by Resurgent Capital |
| Headquartered | Greenville, South Carolina |
| Primary Debt Types | Credit cards, personal loans, retail charge accounts |
| Primary Phone Numbers | 866-464-1183 · 877-893-0165 · 866-973-0014 · 866-205-5276 |
| CFPB Complaints | 8,874 filed with the Consumer Financial Protection Bureau |
| Federal Court Cases | 254 FDCPA opinions on record (CourtListener); consolidated MDL in 2015 |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
LVNV Funding LLC is a debt buyer — if Resurgent Capital is calling you, LVNV owns an account they believe is yours, most likely a charged-off credit card or personal loan.
With 8,874 CFPB complaints and 254 federal court cases, LVNV Funding is one of the most litigated debt buyers in the United States. The #1 documented complaint pattern: attempting to collect debts consumers say are not theirs. Before you pay anything, verify the debt is actually yours and check whether the statute of limitations has expired.
Who Is LVNV Funding LLC?
LVNV Funding LLC is a passive debt buyer based in Greenville, South Carolina. It does not contact consumers directly — it purchases portfolios of charged-off consumer debt (credit cards, personal loans, retail accounts) from banks and original creditors, then hands those portfolios to its affiliate, Resurgent Capital Services L.P., to service and collect. If you receive calls about an LVNV Funding account, the caller will almost always identify as Resurgent Capital Services, not LVNV. Whether Resurgent is calling on an account LVNV owns or an account it services for another buyer matters for your negotiation — ask them directly: “Does LVNV Funding own this account, or are you servicing it on behalf of someone else?”
LVNV Funding and Resurgent Capital Phone Numbers
Because LVNV Funding is a passive entity, calls about LVNV accounts come from Resurgent Capital Services — or from collection law firms that Resurgent has retained to file suits. The numbers below represent confirmed Resurgent Capital outbound lines and LVNV-affiliated calling numbers. If any of these numbers appeared on your caller ID, the same legal rights apply regardless of which one called.
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| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| 866-464-1183 | Resurgent Capital / LVNV Funding collections outbound | Multiple consumer reports on 800notes identifying LVNV Funding and Resurgent Capital |
| 877-893-0165 | Resurgent Capital Services / LVNV Funding collections | Reported as Resurgent Capital Services / LVNV Funding on 800notes |
| 866-973-0014 | Resurgent Capital collections outbound | Caller identified as Resurgent Capital Services — 800notes |
| 866-205-5276 | Resurgent Capital Services collections | Multiple reports identifying Resurgent Capital Services — 800notes |
| 866-206-9797 | Resurgent Capital Services L.P. collections | Reported as Resurgent Capital Services L.P. — 800notes |
| 904-562-6650 | Resurgent Capital Services — account servicer line | Caller identified as Resurgent Capital Services LP — 800notes |
| 855-468-4414 | LVNV Funding collections outbound | Caller identified as LVNV Funding — 800notes |
| 888-959-9626 | LVNV collections | Reported as LVNV — 800notes |
Why you may never hear “LVNV Funding” on the phone: LVNV is the legal owner of the debt, but Resurgent Capital Services handles all consumer contact. You may also receive calls from law firms like Weltman, Weinberg & Reis or Blatt, Hassenmiller, Libster & Moore — these are attorneys Resurgent hires to file collection lawsuits. If a law firm is calling, LVNV is considering or has filed legal action on the account.
Why Is LVNV Funding / Resurgent Capital Calling You?
- LVNV purchased an old credit card or loan balance they believe is yours — charged-off accounts are bought and sold, sometimes years after the original default
- The account may belong to someone else — “attempts to collect debt not owed” is the #1 complaint category in LVNV’s CFPB data; mistaken identity and fraudulent accounts are common
- The debt may be time-barred — LVNV specializes in older charged-off debt; many accounts are at or past the statute of limitations for your state
- Your identity may have been used fraudulently — LVNV has been sued multiple times for collecting accounts opened in consumers’ names without their knowledge
A call from Resurgent Capital about an LVNV account is not proof you owe anything. It is a business inquiry. Treat it like one.
What CFPB Complaints Reveal About LVNV Funding
The Consumer Financial Protection Bureau’s complaint database contains 8,874 consumer complaints referencing LVNV Funding. The most common documented issues:
Read Consumer Complaint Narratives (6 published accounts)
“On XX/XX/2023, LVNV Funding received a debt validation letter from XXXX XXXX. LVNV Funding did not validate the debt that LVNV Funding allegedly claim I owe. As a result of that failure, LVNV Funding also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/2023. Under the provisions of the Fair Credit Reporting Act 611(a) [15 USC 1681i(a)], disputed items must be validated or deleted and removed from my credit record within 5 days. LVNV Funding have triggered Privacy Act violations… LVNV Funding is a known junk debt buyer. Per 15 USC 1692K Civil liability, LVNV Funding is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that LVNV Funding was sued before for abusive and deceptive practices and behaviors towards past consumers. Recently, LVNV Funding attempted to sue XXXX XXXX from XXXX for a debt he did not owe. LVNV Funding was then ordered to pay XXXX XXXX {$19,000.00}.”
“I received an email from LVNV Funding LLC on Wed XXXX XXXX, XXXX. LVNV Funding LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX. I have not received any goods or services from LVNV Funding LLC, and I do not know how LVNV Funding LLC received my private information. Upon checking my credit report LVNV Funding LLC flagged my credit on XX/XX/XXXX with unverified collection activity. LVNV Funding LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$610.00} owed to them. I did not authorize LVNV Funding LLC to use my email address or social security number to damage my credit files.”
“I have filed numerous disputes with all three major credit bureaus regarding the debt LVNV Funding is claiming I owe… This debt does not belong to me, it is not mine and I have no knowledge of the debt that LVNV Funding has placed on my credit files. In one instance, LVNV Funding did delete the tradeline from my XXXX credit file; in another instance, LVNV Funding marked the tradeline as closed on my XXXX credit file but still lists an open and unpaid balance; finally, LVNV Funding still reports the tradeline as open and in collection status on my XXXX report. I am also unsure if LVNV Funding is a licensed debt collector in Minnesota, so I am concerned that they are collecting a debt for which they may not be licensed to collect in Minnesota. LVNV Funding’s debt reporting and debt dispute processes are unfair, deceptive and dishonest.”
“I noticed an account on my credit reports from a company called LVNV FUNDING LLC that I had no business relationship with. LVNV FUNDING LLC was attempting to collect on an alleged debt in the amount of {$910.00}. I have had my identity stolen and sent LVNV FUNDING LLC a letter via certified mail XXXX, 2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports… LVNV FUNDING LLC however continued reporting this fraudulent account with the credit bureaus… Pursuant to the FDCPA 15 U.S.C. 1692g(b) LVNV FUNDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so.”
“LVNV FUNDING has not been able to validate the debt the company has been inaccurately reporting on my XXXX credit report since XXXX. Multiple validation request letters have been sent to LVNV funding since XXXX when this debt buyer company began reporting on my credit report. Over the course of five years, I have received no formal validation from LVNV FUNDING verifying the original creditor balance, a statement of all added interest and fees that LVNV FUNDING has added to their reporting or proof that this debt belongs to me… Most recently, LVNV funding reported a balance of {$1,300.00} as of XX/XX/XXXX and upon my dispute of this debt with XXXX directly, LVNV FUNDING has since increased the reported balance to {$1,400.00} as of XX/XX/XXXX. In one month, LVNV FUNDING has tacked on additional inaccurate amounts without any validation.”
“It has been months and many months, I noticed that LVNV funding LLC placed {$720.00} in my credit report for collection. I never gave LVNV funding LLC my consent and authorization to place any information in my credit report. I never received any products or services from LVNV funding LLC. I never entered into a legal and lawful contract with LVNV funding LLC. I demand that LVNV funding LLC provides me proof of a legal and lawful contract between me and them… Finally, I demand that LVNV funding LLC remove their fraudulent account from my XXXX XXXX and XXXX credit report immediately.”
Source: CFPB Consumer Complaint Database. Narratives published only when the consumer provides consent. Personal information redacted by the CFPB.
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LVNV Funding in Federal Court
LVNV Funding LLC has been named in 254 federal FDCPA opinions on record through CourtListener. In 2015, a federal panel consolidated 12 separate LVNV actions from 8 different districts into a single multidistrict litigation — a formal recognition that LVNV’s collection practices had generated systemic nationwide complaints.
LVNV Funding LLC v. Yolanda Rodriguez (California Court of Appeal, 5th District, 2024): LVNV filed a collection lawsuit against Yolanda Rodriguez — the wrong Yolanda Rodriguez. The consumer they sued had a different date of birth and different Social Security number than the actual debtor. Rodriguez filed FDCPA and California Rosenthal Act counterclaims. The California appellate court ruled in 2024 that the FDCPA creates strict liability for suing the wrong person — even if the error was “innocent.” The trial court’s dismissal of Rodriguez’s claims was reversed. This case is significant because it confirms that debt buyers who sue the wrong consumer face federal liability, not just a mistake to correct.
Woods v. LVNV Funding LLC (7th Circuit, 2022): Kevin Woods disputed an LVNV collection account, stating it was the result of identity theft and did not belong to him. LVNV “verified” the debt using its own internal Account Summary Report — not independent documentation. Woods successfully got the debt removed from his credit report but lost his FDCPA and FCRA claims at the circuit court level. The 7th Circuit ruled LVNV had a “reasonable basis” to believe the debt was valid because it had an internal record. The case illustrates a recurring LVNV pattern: relying on its own purchased records as verification, which consumers often dispute.
In re LVNV Funding LLC FDCPA Litigation (JPML MDL No. 2610, 2015): The United States Judicial Panel on Multidistrict Litigation consolidated 12 separate FDCPA actions pending in 8 federal districts into a single coordinated proceeding. The volume and geographic spread of LVNV-related FDCPA litigation was sufficient to warrant national consolidation.
Court records are sourced from CourtListener, maintained by the Free Law Project.
What this means for you: LVNV has been found liable for suing the wrong person, and courts have scrutinized whether its internal verification process is adequate. If you do not recognize the debt, do not assume their records are correct — get written validation and dispute in writing if the debt is not yours.
What To Do If LVNV Funding or Resurgent Capital Is Calling You
- First, check how old the account is. LVNV Funding specializes in purchasing older charged-off debt — accounts that may be years or even a decade past the original default. If the debt is older than your state’s statute of limitations (typically 3–6 years for credit card debt), they cannot win a lawsuit against you even if the debt is real. Check your state’s statute of limitations here.
- Ask whether the debt is actually yours. LVNV’s #1 complaint category — accounting for nearly half of sampled CFPB complaints — is attempting to collect debts consumers say do not belong to them. LVNV buys large portfolios of charged-off accounts; errors in those portfolios are common. Do not pay or acknowledge a debt you do not recognize without written validation first.
- Request a debt validation notice in writing. LVNV Funding / Resurgent Capital is legally required to send you a written notice within 5 days of first contact. If they haven’t, demand one. You then have 30 days to dispute the debt in writing, which halts collection until they provide documentation.
- Check your state’s statute of limitations. If the debt is old enough, they can no longer sue you to collect — though they can still ask you to pay. Check your state here.
- Send a cease-and-desist if you want calls to stop. A written request by certified mail legally requires them to stop contacting you (except to confirm receipt or advise of legal action).
- Document everything. Date, time, what they said, which number called. If they violate the FDCPA, each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Your FDCPA rights in brief: LVNV Funding / Resurgent Capital must stop collection if you send a written cease request by certified mail. You can demand written debt verification within 30 days of first contact. FDCPA violations can be sued in federal court for up to $1,000 plus attorney fees. Full rights breakdown here.
What To Do If LVNV Funding LLC Is Suing You
Do not ignore a lawsuit summons. A default judgment — entered simply because you did not respond in time — gives LVNV the legal right to garnish your wages or bank accounts. Most states allow only 20 to 30 days to file a written response.
LVNV files collection lawsuits primarily through law firms like Weltman, Weinberg & Reis and Blatt, Hassenmiller, Liebsker & Moore. If you have been served with legal papers, here is what to do:
- Verify the debt is actually yours. LVNV was held liable in a 2024 California appellate ruling for suing the wrong person — a different Yolanda Rodriguez with a different date of birth and Social Security number. Confirm the account number, original creditor, and amount match your records.
- Check the statute of limitations. LVNV specializes in older charged-off debt. If the last payment on the account is past your state’s statute of limitations (typically 3–6 years for credit card debt), a properly raised affirmative defense can get the case dismissed. The limitation does not erase the debt, but it removes LVNV’s ability to win in court.
- File your answer before the deadline. Even a simple written denial preserves your rights. Missing the deadline results in an automatic default judgment — LVNV wins without having to prove anything.
- Consider a counterclaim. If LVNV violated the FDCPA — by suing the wrong person, misrepresenting the debt, or ignoring a written dispute — you may be entitled to up to $1,000 per violation plus attorney fees in federal court.
- Negotiate a settlement before judgment. LVNV purchased the debt at a steep discount — often 3 to 7 cents on the dollar. Collection law firms are frequently authorized to settle for substantially less than the stated balance before trial.
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How to Remove LVNV Funding LLC From Your Credit Report
LVNV Funding reports collection accounts to Equifax, Experian, and TransUnion. A collection account typically remains for seven years from the original date of first delinquency — not from when LVNV acquired it. Here is how to address it based on your situation:
If the Debt Is Not Yours
- Dispute in writing with each credit bureau — they must investigate within 30 days (FCRA requirement)
- Send a debt validation letter to Resurgent Capital Services by certified mail demanding documentation
- File a CFPB complaint at consumerfinance.gov — creates a formal record and often accelerates resolution
- If LVNV cannot validate, they must delete the tradeline
- LVNV’s failure to properly investigate a dispute is itself an FCRA violation — up to $1,000 per violation in federal court
If the Debt Is Yours
- LVNV sometimes agrees to “pay for delete” as part of a settlement — get any deletion agreement in writing before paying
- A paid collection does less credit damage than unpaid, but deletion removes it entirely
- Credit scores typically begin recovering within 1–3 monthly reporting cycles after a collection account is deleted
- Once the seven-year reporting period expires, the account drops automatically regardless of payment status
Can You Settle With LVNV Funding LLC for Less?
Yes — and LVNV has significant room to negotiate. Debt portfolios are purchased at roughly 3 to 7 cents on the dollar for older charged-off accounts. That pricing gives them flexibility that the original creditor never had.
Settlement math example: LVNV purchases a $5,000 charged-off credit card for $250–$350. If they settle with you for $1,500 — 30 cents on the dollar — they still profit substantially. You save $3,500. Both parties have incentive to settle.
Settlement terms depend on three factors:
- Age of the debt — older accounts were bought cheaper; more negotiating room
- Statute of limitations status — time-barred debt dramatically increases your leverage; LVNV cannot win in court
- Whether litigation has started — pre-lawsuit settlements are common; post-judgment settlements are harder to negotiate
Settlements of 25–50 cents on the dollar are common for accounts LVNV is actively pursuing. For time-barred accounts, lower figures are achievable. Always obtain a written settlement agreement before making any payment — confirming the amount, that it constitutes full satisfaction of the debt, and whether LVNV will update or delete the credit bureau entry.
Get the settlement in writing before you pay a single dollar. A verbal agreement with a debt collector is worth nothing.— Steve Rhode
Key Takeaways
- LVNV Funding LLC is a passive debt buyer headquartered in Greenville, SC — their servicer Resurgent Capital Services makes all consumer calls
- Primary outbound numbers: 866-464-1183, 877-893-0165, 866-973-0014, 866-205-5276, 866-206-9797
- They collect primarily charged-off credit card debt and personal loans, often purchased years after original default
- 8,874 CFPB complaints — nearly half involve attempting to collect debts consumers say are not theirs
- A 2024 California appellate court ruling confirmed FDCPA strict liability when LVNV sues the wrong person; 254 total federal court opinions on record
- Check the age of the debt and whether it belongs to you before engaging — demand written validation first
Frequently Asked Questions About LVNV Funding
Who is LVNV Funding LLC?
LVNV Funding LLC is a debt buyer headquartered in Greenville, South Carolina. It purchases portfolios of charged-off consumer accounts — primarily credit cards and personal loans — from banks and original creditors at a discount. LVNV itself does not contact consumers; its servicer, Resurgent Capital Services L.P., handles all collection activity. LVNV Funding has accumulated 8,874 complaints in the CFPB consumer complaint database.
Is LVNV Funding a scam?
LVNV Funding is a legitimate licensed debt buyer, not a scam operation. However, legitimate does not mean error-free. Nearly half of sampled CFPB complaints allege LVNV is attempting to collect debts that do not belong to the consumer. A 2024 California appeals court ruled LVNV liable for suing the wrong person in a mistaken identity case. If LVNV claims you owe money on an account you do not recognize, that is a pattern consistent with documented complaints — request written validation before doing anything.
Why is LVNV Funding calling me if I don’t recognize the debt?
Possible explanations include: the account is old enough that you have forgotten it; the debt was sold multiple times with incomplete or inaccurate records; your identity was used to open an account fraudulently; or the account belongs to someone with a similar name or Social Security number. LVNV’s top CFPB issue — accounting for the largest share of complaints in the database — is attempting to collect debts consumers say are not theirs. Do not pay or acknowledge the debt until you have received written validation and confirmed it is actually yours.
What is the difference between LVNV Funding and Resurgent Capital Services?
LVNV Funding LLC is the legal owner of the debt — the entity that purchased the account from your original creditor. Resurgent Capital Services L.P. is the servicer — the company that actually contacts consumers, processes payments, and handles disputes. Both entities are based in Greenville, South Carolina, and are closely related. When you receive calls or letters, they will typically come from Resurgent Capital, not LVNV Funding directly. If a law firm contacts you about an LVNV account, it means Resurgent has referred the account for potential legal action.
How do I stop LVNV Funding / Resurgent Capital from calling me?
Send a written cease-and-desist letter by certified mail to Resurgent Capital Services (they handle consumer contact for LVNV Funding). Under the FDCPA, once they receive your written request they must stop contacting you, except to confirm receipt or inform you of specific legal action. Keep your certified mail receipt as proof of delivery. Note that stopping calls does not eliminate the debt — if LVNV files a lawsuit, you will still be served with legal papers.
Can LVNV Funding sue me?
Yes — LVNV files collection lawsuits, primarily through collection law firms like Weltman, Weinberg & Reis and Blatt, Hassenmiller, Libster & Moore. However, they can only sue within your state’s statute of limitations — typically 3 to 6 years from your last payment depending on your state. LVNV specializes in older charged-off debt, and many accounts it holds are at or past this deadline. If the debt is time-barred, they cannot win in court even if the underlying debt is real. A 2015 federal MDL consolidation order grouped 12 LVNV lawsuits across 8 states, reflecting the scale of LVNV litigation nationally.
Should I pay LVNV Funding or try to negotiate?
Only after you have confirmed the debt is legitimately yours, is within the statute of limitations, and is within your ability to pay. LVNV purchased the account at a steep discount — often pennies on the dollar — so there is typically room to negotiate a settlement for less than the stated balance. Get any settlement agreement in writing before making any payment. If the debt is not yours, do not pay — dispute it in writing and file a CFPB complaint. If it is past the statute of limitations, paying or even acknowledging the debt in some states can restart the clock.
What should I do if LVNV Funding LLC is suing me?
The first and most important rule: do not ignore the summons. A failure to respond results in an automatic default judgment, which gives LVNV legal authority to garnish your wages or bank accounts. Check your summons for the exact deadline — most states allow 20 to 30 days. Before responding, verify the debt is actually yours (LVNV has been held liable for suing the wrong person), and check whether the statute of limitations has expired in your state. Filing even a basic written denial preserves your rights and forces LVNV to prove the debt in court. If LVNV has committed FDCPA violations — such as suing the wrong person or misrepresenting the debt — you may be entitled to counterclaim for up to $1,000 per violation plus attorney fees.
How do I remove LVNV Funding LLC from my credit report?
If the account is not yours, dispute it in writing with each of the three major credit bureaus (Equifax, Experian, TransUnion) and send a separate debt validation letter to Resurgent Capital Services by certified mail. Credit bureaus must investigate within 30 days under the Fair Credit Reporting Act. If LVNV cannot verify the account, they must delete the tradeline. You can also file a CFPB complaint, which creates a formal record and often accelerates resolution. If the account is yours, LVNV sometimes agrees to a “pay for delete” arrangement — get any deletion promise in writing before making any payment. A properly removed LVNV account typically shows credit score improvement within one to three monthly reporting cycles.
How much will LVNV Funding LLC settle for?
LVNV purchases charged-off accounts at approximately 3 to 7 cents on the dollar, which gives them significant room to settle for less than the stated balance. Reported settlement ranges are typically 25 to 50 cents on the dollar for accounts LVNV is actively collecting. For older, time-barred accounts where LVNV has limited legal options, settlements below 25 cents on the dollar are sometimes achievable. Settlement terms vary based on the age of the debt, statute of limitations status, and whether litigation has started. Always get any settlement agreement in writing before making payment, and confirm it specifies the amount as full satisfaction of the debt.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
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