Debt collection -- Attempts to collect debt not owed -- Complaint #12526912
Complaint Overview
Complaint ID: 12526912
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Maryland
ZIP Code: 21222
Date Received: 2025-03-17T12:00:00-05:00
Date Sent to Company: 2025-03-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Date : XX/XX/year> LVNV Funding LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Debt Request for Debt Validation and Chain of Assignment To Whom It May Concern, I am writing to formally dispute the alleged debt of {$830.00}, purportedly originating from XXXX XXXX, which you claim I owe. I do not acknowledge this debt and, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request full validation and proof of this debt within 30 days from the date of this letter. 1. Demand for Debt Validation Per FDCPA 809 ( 15 U.S.C. 1692g ), please provide the following documentation : The original signed agreement or contract bearing my signature, indicating my responsibility for this debt. A detailed itemization of the {$830.00} balance, including principal, interest, late fees, and collection costs. A full chain of assignment, demonstrating that LVNV Funding LLC has the legal authority to collect this debt. This should include all assignments, transfers, and purchase agreements from XXXX XXXX to your agency, as required under 15 U.S.C. 1692e ( 2 ) ( A ) and 15 U.S.C. 1692f ( 1 ). Proof that LVNV Funding LLC is legally authorized to collect debts in Maryland, including your collection license number and registered agent information. 2. Immediate Cease and Desist on Wage Garnishment I have recently discovered that a garnishment action may be initiated against me. Since I dispute this debt and have not received proper legal notice, any attempt to proceed with garnishment would violate my due process rights under the FDCPA and Consumer Financial Protection Bureau ( CFPB ) regulations. Until this debt is properly validated, you must immediately cease all collection activity, including any garnishment efforts, or risk violating 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair or unconscionable collection practices ). 3. Notice of Legal Action if Non-Compliance Occurs Failure to provide the required validation within 30 days of receipt of this letter will result in the following actions : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Maryland Attorney General 's office for potential violations of federal and state consumer protection laws. Possible legal action against LVNV Funding LLC for violations of the FDCPA, including seeking statutory damages of up to {$1000.00} per violation, plus actual damages and legal fees per 15 U.S.C. 1692k. 4. No Telephone Communication Allowed Under 15 U.S.C. 1692c ( c ), I formally request that all communication regarding this alleged debt be conducted in writing only. Any further contact via phone will be considered harassment and reported accordingly. This letter serves as legal notice under the FDCPA that I dispute this debt, demand full validation, and request that any collection efforts, including garnishment, be halted until full compliance with the law is met. If you fail to provide proper validation, you must delete this account from my credit report and cease all collection activities immediately. Please respond to this request in writing to the address provided above. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12526912 about?
Complaint #12526912 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-03-17T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.