Date Received: 2023-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to file a formal complaint against Resurgent Capital Services L.P., a collections agency, for their failure to provide me with the requested information pertaining to an alleged debt and for reporting inaccurate information on my credit report. The alleged debt was initially handled by LVNV Funding LLC, who turned it over to Resurgent Capital Services L.P. for collection. On XX/XX/XXXX, I sent a written request to Resurgent Capital Services L.P., seeking validation of the alleged debt as per the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for the following information : An agreement with their client grants them the authority to collect on this alleged debt. An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims made by any creditor regarding this account. Any judgments obtained by any creditor regarding this account. Despite the clear requirements of the FDCPA and my diligent efforts to seek validation of the debt, Resurgent Capital Services L.P. has not provided any response or the requested documentation. Their lack of responsiveness has left me unable to verify the accuracy of the alleged debt and evaluate the validity of their claim. Furthermore, I have discovered that Resurgent Capital Services L.P. has reported this collection account on my credit report, which is negatively impacting my credit score and financial standing. In light of their failure to provide the requested information and validate the debt, I firmly believe that this collections account is inaccurate and should not be reflected on my credit report. Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly. I urge Resurgent Capital Services L.P. to comply with the FDCPA and promptly provide the requested documentation, as required by law. Additionally, I demand that they remove the collections account from my credit report until they can substantiate its validity. I have made every effort to address this issue directly with Resurgent Capital Services L.P., but their lack of response has left me with no recourse other than seeking assistance from the CFPB. I trust that the Consumer Financial Protection Bureau will take this matter seriously and work diligently to ensure that Resurgent Capital Services L.P. adheres to the appropriate regulations and rectifies this situation promptly. Regrettably, I must express my disappointment as Resurgent Capital Services L.P. only addressed part of the requested information and omitted some critical documents required for proper validation. They provided The Account originated on XX/XX/XXXX, The Account charged off date, The Account was previously charged off, the last payment in the amount of {$290.00}, and a balance is not validated but failed to furnish An agreement with their client grants them the authority to collect on this alleged debt. An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims made by any creditor regarding this account. Any judgments obtained by any creditor regarding this account. This incomplete response leaves me unable to fully evaluate the accuracy and legitimacy of the alleged debt. I firmly believe that as a consumer, I have the right to receive a comprehensive validation of the debt in question. Resurgent Capital Services L.P. 's failure to provide complete information raises concerns about the accuracy of their claim and casts doubt on the validity of the alleged debt. I appreciate your attention to this matter and look forward to a resolution that upholds my rights as a consumer and preserves the accuracy and integrity of my credit report. Thank you for your assistance in this regard.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to file a formal complaint against Resurgent Capital Services XXXX, a collections agency, for their failure to provide me with the requested information pertaining to an alleged debt and for reporting inaccurate information on my credit report. The alleged debt was initially handled by LVNV Funding LLC, who turned it over to Resurgent Capital Services L.P. for collection. On XX/XX/XXXX, I sent a written request to Resurgent Capital Services L.P., seeking validation of the alleged debt as per the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for the following information : An agreement with their client grants them the authority to collect on this alleged debt. An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims made by any creditor regarding this account. Any judgments obtained by any creditor regarding this account. Despite the clear requirements of the FDCPA and my diligent efforts to seek validation of the debt, Resurgent Capital Services L.P. has not provided any response or the requested documentation. Their lack of responsiveness has left me unable to verify the accuracy of the alleged debt and evaluate the validity of their claim. Furthermore, I have discovered that Resurgent Capital Services L.P. has reported this collection account on my credit report, which is negatively impacting my credit score and financial standing. In light of their failure to provide the requested information and validate the debt, I firmly believe that this collections account is inaccurate and should not be reflected on my credit report. Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly. I urge Resurgent Capital Services XXXX to comply with the FDCPA and promptly provide the requested documentation, as required by law. Additionally, I demand that they remove the collections account from my credit report until they can substantiate its validity. I have made every effort to address this issue directly with Resurgent Capital Services L.P., but their lack of response has left me with no recourse other than seeking assistance from the CFPB. I trust that the Consumer Financial Protection Bureau will take this matter seriously and work diligently to ensure that Resurgent Capital Services L.P. adheres to the appropriate regulations and rectifies this situation promptly. Regrettably, I must express my disappointment as Resurgent Capital Services L.P. only addressed part of the requested information and omitted some critical documents required for proper validation. They provided The Account originated on XX/XX/XXXX, The Account charged off date, The Account was previously charged off, the last payment in the amount of {$290.00}, and a balance is not validated but failed to furnish An agreement with their client grants them the authority to collect on this alleged debt. An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims made by any creditor regarding this account. Any judgments obtained by any creditor regarding this account. This incomplete response leaves me unable to fully evaluate the accuracy and legitimacy of the alleged debt. I firmly believe that as a consumer, I have the right to receive a comprehensive validation of the debt in question. Resurgent Capital Services L.P. 's failure to provide complete information raises concerns about the accuracy of their claim and casts doubt on the validity of the alleged debt. I appreciate your attention to this matter and look forward to a resolution that upholds my rights as a consumer and preserves the accuracy and integrity of my credit report. Thank you for your assistance in this regard.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: VICTIM OF IDENTITY THEFT. ACCOUNT HAD NO LATE PAYMENTS AND WAS PAID IN FULL BUT DUE TO XXXX XXXX BREACH AND OTHER BREACHS I AM A VICTIM OF IDENTITY THEFT.ANY INQUIRIES MADE WERE UNAUTHORIZED. I DEMAND THE INQUIRIES TO BE DELETED ASAP
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under Title 15 USC 6802- I am supposed to be given 3 Disclosure forms and consent to a company sharing my personal info via credit reporting agency. I do not have an account with this company, therefore they were not able to share said Disclosure forms with me deeming this reporting fraudulent. Here is the law : Title 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under Title 15 USC 6802- I am supposed to be given 3 Disclosure forms and consent to a company sharing my personal info via credit reporting agency. I do not have an account with this company, therefore they were not able to share said Disclosure forms with me deeming this reporting fraudulent. Here is the law : Title 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Went to XXXX to check credit card offers so I can get a card with intro rate of 0 % for specific period as one card is coming to an end and I still have a {$600.00} plus bal. On my XXXX account it matched me to several credit card offers and I chose XXXX XXXX XXXX XXXX XXXX XXXX card. I applied and created an account online. I tried to log into said account to expedite a balance transfer but was unable to log on to my newly created account. After several attempts online I called the XXXX XXXX number associated with the card ( XXXX ) XXXX. From there i had to enter my personal information and I found out that my account had been sold to a debt collector. 'Resurgent ' ; to which I was " transferred '' or would be transferred but I was asked for my social security number again. I did NOT enter it at that time and I hung up. My credit score is XXXX when I checked it after logging onto XXXX and it went down three points with the XXXX XXXX credit check. However this 'debt ' that I DO NOT HAVE i fear will disrupt my credit rating. I used to have an account with XXXX XXXX over a decade ago which was discharged though a bankruptcy back then. So I didn't think this sort of thing could happen when there is no real debt. This all happened today XXXX XX/XX/2023 around XXXX XXXX so some of the info I had to provide through your site didn't quite match with the problem I am experiencing and don't know what will happen now. One minute I get approved for a card and then I can't log on to my brand new account and then I find my account had been sold to a debt collector when there shouldn't be any debt. This is where I am at. Can you help me.
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV HSBC {$8400.00} duplicate entry for debt on XXXX and XXXX reported as Open accounts ; LVNV XXXX {$8400.00} debt reported as an Open account on XXXX. XX/XX/XXXX Entry for Default Judgement in State of XXXX ; XX/XX/XXXX Release granted by the State of XXXX ; XX/XX/XXXX LVNV acknowledged receipt of Release.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing this complaint to address a persistent issue that has been causing me unnecessary FRUSTRATION and inconvenience. Despite my previous requests to this collection agency about 2 alleged debts. I continue to receive the same paperwork from the agency. I have requested documentation from the agency about 7 times. This ongoing issue is not only time-consuming but also counterproductive. I have requested proper information via email and mail about the alleged debt including proof of authority to collect, verification of the accuracy of the debt including statements, payments, invoices, signed contracts and the company has failed to do so. They do however send me an ABUNDANCE of the SAME thing over and over not complying with my request. The last two letters i have sent them, i requested they cease sending the abundance of useless paperwork they continue to do so. This week, I received 8 letters saying the exact same thing.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My USPS certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A