Debt collection -- Attempts to collect debt not owed -- Complaint #12754190
Consumer disputes debt validity with Resurgent Capital Services
Complaint Overview
Complaint ID: 12754190
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: North Carolina
ZIP Code: 28213
Date Received: 2025-03-31T12:00:00-05:00
Date Sent to Company: 2025-03-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer claims the debt is not theirs, which could lead to legal challenges if the debt collector cannot prove ownership or validity.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt
AI Analysis
CFPB complaint 12754190 was filed against Resurgent Capital Services L.P. regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against Resurgent Capital Services L.P. regarding attempts to collect a debt that the consumer claims is not theirs. The complaint was received on March 31, 2025 from North Carolina. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and their claim that it is not theirs, and respond in writing to the debt collector.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits deceptive or abusive practices.
Regulatory Insight
Regulators may investigate if there's a pattern of attempts to collect debts not owed, as this violates consumer protection laws.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in North Carolina, and state laws may also apply to debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where disputes over debt ownership or validity frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12754190 about?
CFPB complaint 12754190 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Resurgent Capital Services L.P. on March 31, 2025.
Which company is complaint 12754190 filed against?
Complaint 12754190 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 12754190?
Resurgent Capital Services L.P. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 12754190 filed?
Complaint 12754190 was received by the CFPB on March 31, 2025. It was sent to Resurgent Capital Services L.P. on March 31, 2025.
What state was complaint 12754190 filed from?
Complaint 12754190 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 12754190?
Dispute information is not available for complaint 12754190.
What product category is complaint 12754190 about?
Complaint 12754190 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 12754190 submitted?
Complaint 12754190 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 12754190?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits deceptive or abusive practices. This relates to a Debt collection complaint against Resurgent Capital Services L.P. involving "Attempts to collect debt not owed".
How likely is complaint 12754190 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12754190?
This complaint is rated as medium risk. The risk is medium because the consumer claims the debt is not theirs, which could lead to legal challenges if the debt collector cannot prove ownership or validity.
What regulatory actions apply to complaint 12754190?
Regulators may investigate if there's a pattern of attempts to collect debts not owed, as this violates consumer protection laws. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 12754190?
Consumers should gather all documentation related to the debt and their claim that it is not theirs, and respond in writing to the debt collector.
Are there state-specific protections for complaint 12754190?
The complaint originated in North Carolina, and state laws may also apply to debt collection practices. This complaint was filed from North Carolina.
How does complaint 12754190 compare to industry norms?
This is a common issue in the debt collection industry, where disputes over debt ownership or validity frequently arise.
What steps should a consumer take if they receive collection attempts for a debt they do not owe?
The consumer should immediately send a written dispute letter to the debt collector requesting validation of the debt. They should also keep records of all communication.
Under what circumstances can a debt collector attempt to collect a debt that is not owed?
A debt collector should only attempt to collect a debt that is valid and owed by the consumer. If the debt is disputed and validation is not provided, collection attempts should cease.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.