Debt collection -- Written notification about debt -- Complaint #10666525
Complaint Overview
Complaint ID: 10666525
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Texas
ZIP Code: 77389
Date Received: 2024-11-02T12:00:00-05:00
Date Sent to Company: 2024-11-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In accordance with Reg F B-1 Model form was not used upon providing a validation of debt to the consumer, and this negates safe harbor protection to the creditor. My right to dispute a debt within 30 days was not allotted or offered to me. Further Finance Code Chapter 392 Debt Collection TEXAS SubChapter C Sec 392.202 Correction of third party debt collectors or credit bureau files. Subsections ( b-e ) ( b ) not late more than the 30th day after the date a notice of inaccuracy is received, a third party debt collector shall send written statement. Sec 392.202 ( b ) ( 3 ) third party debt collector has not had sufficient time to complete an investigation of inaccuracy. That information must be reported to credit reporting agencies an has not, additionally the burden of proof lies within the crediot/collector and reporting credit agency to verify proof of inaccuracy that is alleged/reported. As the consumer I have completed my due diligence in the inaccuracy and wish to see the appraisal reports utilized for there confirmation of accuracy. This is my right as a consumer under Regulation B 1002.1 ( B ) in addition to 1002.9 ( a ) ( 2 ) ( i ) ( ii ) a statement for a specific reason for the action taken. FDCPA, and FTC privacy 1681 is in question of violation when the original creditor XXXX XXXX divulged selling this company 3 times without ever acknowledging notification to the consumer or explaining personal information would be disclosed to new banks for an existing loan, which is also covered under regulation B ECOA. the baking parties included are XXXX. Additionally identify theft was reported to the FTC and SSA in 10 or XX/XX/year> with documentation my credit would be on fraud alert for 12 continuous months, which is in violation is credit was established. Further CFPB is not providing assistance with my concern/complaint about questionable business acts that are infringing upon consumers rights under FDCPA and FTC, which has led to additional claim opened with BBB for resurgent. My previous violations have gone unaddressed from the cfpb as previously indicated without avail and this company, resurgent continues to conduct business with presumptuous tactics that violate consumer rights. Assistance is, again being requested. original complaint not resolved by CFCPB. My consumer rights under FDCPA are in violation in accordance with 15 U.S.C. 1692g, '' debt collector send a validation notice informing of debt details and giving them a chance to dispute within 30 days. '' FDCPA 1006.6 ( d ) ( 4 ) ( ii ) ( C ) ( 2 ) has been violated, as consent for email correspondence was not authorized by consumer and transfer of email notice was not provided to me in written or digital correspondence. FDCPA violations include 1006.14 ( a ) Harassing digital communication and 1006.14 ( b ) " natural consequence of the debt collectors email messages is to harass, oppress or abuse the person receiving the email.When such natural consequence occurs the debt collector has violated 1006.14 ( b ) The above protected consumer rights have been infringed upon and violated.
Frequently Asked Questions
What is Complaint #10666525 about?
Complaint #10666525 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-11-02T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Resurgent Capital Services L.P.?
Yes, visit the Resurgent Capital Services L.P. company profile at readthecomplaint.com/company/resurgent-capital-services-l-p to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.