Debt collection -- Attempts to collect debt not owed -- Complaint #11357410
Debt Collector Pursues Identity Theft Victim's Debt
Complaint Overview
Complaint ID: 11357410
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Georgia
ZIP Code: 31801
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2025-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
Attempting to collect a debt that is not owed, especially one resulting from identity theft, carries significant legal and reputational risks for debt collectors.
Consumer Sentiment: negative
Topics: Debt collection, Identity theft, Credit card debt
AI Analysis
CFPB complaint 11357410 was filed against Resurgent Capital Services L.P. regarding Debt collection (Credit card debt), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against Resurgent Capital Services L.P. for attempting to collect a debt that was the result of identity theft. The complaint was received on December 31, 2024 from Georgia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
If you are contacted about a debt you do not owe due to identity theft, immediately dispute the debt in writing with the collector and provide any evidence of identity theft.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not legally owed by the consumer.
Regulatory Insight
Regulators closely scrutinize debt collection practices, particularly those involving allegations of attempting to collect fraudulent or invalid debts.
Resolution Likelihood
likely
State-Specific Consumer Protections
Georgia law may provide additional protections or remedies for consumers subjected to unfair or deceptive debt collection practices.
Industry Comparison
This situation is unfortunately common in the debt collection industry, where errors or fraudulent claims can lead to consumers being pursued for debts they do not owe.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11357410 about?
CFPB complaint 11357410 involves Debt collection (Credit card debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This complaint was filed against Resurgent Capital Services L.P. on December 31, 2024.
Which company is complaint 11357410 filed against?
Complaint 11357410 was filed against Resurgent Capital Services L.P.. You can view all complaints against this company on their profile page at /company/resurgent-capital-services-l-p.
What was the company's response to complaint 11357410?
Resurgent Capital Services L.P. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11357410 filed?
Complaint 11357410 was received by the CFPB on December 31, 2024. It was sent to Resurgent Capital Services L.P. on January 14, 2025.
What state was complaint 11357410 filed from?
Complaint 11357410 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 11357410?
Dispute information is not available for complaint 11357410.
What product category is complaint 11357410 about?
Complaint 11357410 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 11357410 submitted?
Complaint 11357410 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11357410?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not legally owed by the consumer. This relates to a Debt collection complaint against Resurgent Capital Services L.P. involving "Attempts to collect debt not owed".
How likely is complaint 11357410 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11357410?
This complaint is rated as high risk. Attempting to collect a debt that is not owed, especially one resulting from identity theft, carries significant legal and reputational risks for debt collectors.
What regulatory actions apply to complaint 11357410?
Regulators closely scrutinize debt collection practices, particularly those involving allegations of attempting to collect fraudulent or invalid debts. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 11357410?
If you are contacted about a debt you do not owe due to identity theft, immediately dispute the debt in writing with the collector and provide any evidence of identity theft.
Are there state-specific protections for complaint 11357410?
Georgia law may provide additional protections or remedies for consumers subjected to unfair or deceptive debt collection practices. This complaint was filed from Georgia.
How does complaint 11357410 compare to industry norms?
This situation is unfortunately common in the debt collection industry, where errors or fraudulent claims can lead to consumers being pursued for debts they do not owe.
What steps should a consumer take if they believe a debt collector is pursuing a debt resulting from identity theft?
Consumers should immediately send a written dispute to the debt collector, clearly stating the debt is not theirs and is a result of identity theft, and provide supporting documentation like a police report or FTC affidavit.
What are the potential consequences for a debt collector who pursues a debt that is the result of identity theft?
Consequences can include FDCPA violations, state law penalties, significant fines from regulatory bodies, and damage to the collector's reputation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.