LVNV Funding LLC: What It Is, Why They’re Contacting You & What to Do

If LVNV Funding LLC has suddenly appeared on your credit report or you’re getting calls you don’t recognize, you’re not alone. LVNV is one of the most common names tied to purchased debt in the U.S., and most people only discover it after a surprise collection entry or letter.
Here’s exactly who they are, why they’re contacting you, whether the debt is real, and the simplest steps you can take next—without panic and without guessing.

What Is LVNV Funding LLC?

LVNV Funding LLC is a debt buyer, a company that purchases old, charged-off debt from original creditors like credit card issuers, medical providers, retail lenders, utilities, and banks.

When a creditor gives up on collecting a debt, they sell the account to companies like LVNV for a fraction of its original value.

Once LVNV owns the debt, they do not collect it directly. Instead, they assign all servicing and communication to Resurgent Capital Services, the agency responsible for:

• sending validation letters
• handling disputes
• setting up payment arrangements
• updating credit bureaus
• responding to consumer inquiries

If you see LVNV Funding LLC on your credit report, it means the original lender sold your account, and LVNV is now the legal owner of the debt — even though Resurgent or a third-party agency may be the one contacting you.

LVNV Funding frequently appears on credit reports as a collections account, often under the names LVNV Funding LLC or LVNV Funding LLC – Resurgent Capital Services.

Is LVNV Funding LLC Legit?

Yes — LVNV Funding LLC is a legitimate debt buyer, not a scam. They legally purchase old accounts from banks, credit card companies, retailers, and lenders.
However, mistakes, outdated information, and incorrect balances are extremely common, which is why you should always request debt validation before paying anything.

LVNV’s servicing partner, Resurgent Capital Services, handles all communication. If someone contacts you claiming to be LVNV, ensure the information matches Resurgent’s official channels before responding.

Who Does LVNV Funding LLC Collect For?

LVNV Funding LLC buys past-due accounts from a wide range of creditors, including major credit card companies, personal loan lenders, retail card issuers, buy-now-pay-later services, and finance companies.

Once these accounts are sold, LVNV becomes the legal owner of the debt, and Resurgent Capital Services manages the communication, verification, and payment options on their behalf.

LVNV Funding LLC Phone Number

The most commonly used contact number for LVNV Funding LLC is (888) 665-0374, but consumers usually communicate through Resurgent Capital Services, the company that handles LVNV’s servicing and verification.

If you receive a call from a different number, request written communication and avoid sharing personal information until the debt is validated in writing.

How to Handle an LVNV Funding LLC Collection

If LVNV Funding or Resurgent Capital Services contacts you, follow these steps before making any payment or agreement:

1. Request a debt validation letter.
You have the legal right to see proof of the debt, including the original creditor, balance, account details, and documentation linking the debt to you.

2. Check your state’s statute of limitations.
If the debt is too old, you may not be legally required to pay — and making a payment could restart the clock.

3. Dispute any inaccurate reporting.
If the balance is wrong, the account isn’t yours, or the debt is too old, file disputes with the credit bureaus.

4. Negotiate only after validation.
If the debt is valid and within the statute of limitations, you can negotiate a reduced settlement, but always get the agreement in writing.

Who Does LVNV Funding LLC Collect For?

LVNV Funding LLC does not collect for original creditors directly. Instead, they buy charged-off debt portfolios from major banks, credit card lenders, utility companies, medical providers, and retail creditors.

Once LVNV purchases the debt, the account is transferred to Resurgent Capital Services, which handles:

• communication
• validation letters
• payment arrangements
• disputes
• credit reporting

LVNV Funding LLC is commonly associated with debts originally issued by:

• credit card companies (Capital One, Synchrony, Credit One, Citibank)
• personal loan lenders
• utilities and telecom providers
• medical billing groups

If you see an LVNV Funding LLC account on your credit report, it means your original creditor sold the debt, and LVNV is now the legal owner — not just a collector.

Why Is LVNV Funding LLC on My Credit Report?

Seeing LVNV Funding LLC listed on your credit report usually means one simple thing:
The original creditor sold your past-due account, and LVNV is now reporting it as a collection.

Here are the only reasons LVNV typically appears on a credit report — in clean, SEO-focused form:

1. Your Original Creditor Charged Off the Account

When you stop making payments for several months, lenders “charge off” the account and sell it to debt buyers like LVNV Funding for pennies on the dollar.
Once purchased, LVNV becomes the new owner, and they are allowed to report it.

2. LVNV Is Reporting Through Resurgent Capital Services

Even though LVNV owns the debt, Resurgent Capital Services handles the reporting, disputes, and communication.
So your report may show any of these variations:

• LVNV Funding LLC
• LVNV Funding LLC – Resurgent Capital Services
• Resurgent Capital Services (on behalf of LVNV)

This is normal for this company.

3. The Debt May Be Old or Even Past the Statute of Limitations

LVNV frequently buys very old accounts, sometimes close to or beyond the legal timeframe for suing.
Even if it’s too old to sue, they can still report it to credit bureaus.

4. There May Be Errors in the Reporting

Common issues include:

• wrong balance
• wrong open date
• duplicate entries
• an account that doesn’t belong to you

All of these are dispute-eligible.

5. You Were Never Notified by the Original Lender

It’s common for consumers to be surprised because the seller never sends a warning.
Legally, creditors aren’t required to inform you before selling the debt.

How to Remove LVNV Funding LLC From Your Credit Report

Removing LVNV Funding LLC from your credit report depends on whether the debt is accurate, within the statute of limitations, and properly documented. Here are the only methods that legally work:

1. Dispute any incorrect or unverified information

If the account shows the wrong balance, wrong dates, or doesn’t belong to you, file disputes with the credit bureaus.
They must delete the entry if LVNV/Resurgent cannot verify it.

2. Request a debt validation letter

If LVNV cannot provide full documentation showing the debt is yours, they are required to stop reporting it.
Many consumers get deletions simply because the paperwork is incomplete.

3. Negotiate a pay-for-delete (only in writing)

Some consumers successfully negotiate a deletion in exchange for settlement, but this is not guaranteed.
If offered, always get it in writing before paying.

4. Remove duplicate or outdated entries

If LVNV and the original creditor are both reporting the same account, you can dispute the duplicate.
If the account is beyond the 7-year reporting period, the bureaus must delete it.

5. If the debt is fraudulent, file an identity theft report

This forces the credit bureaus to block the account during the investigation.

Final Thoughts

Dealing with LVNV Funding LLC can feel stressful, especially when a collection entry appears without warning. But once you understand who they are, why they’re contacting you, and what your rights are, the process becomes much more manageable.
Whether you choose to validate, dispute, or negotiate the debt, the key is to take clear, informed steps — and never react out of pressure or confusion. With the right approach, you can protect your credit, avoid mistakes, and get the situation under control.