Debt collection -- Written notification about debt -- Complaint #13828517
Consumer disputes debt validity due to lack of dispute notification.
Complaint Overview
Complaint ID: 13828517
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: Alabama
ZIP Code: 359XX
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: medium
The consumer's claim of not receiving dispute notification could lead to violations of debt collection regulations if not properly documented by the creditor.
Consumer Sentiment: negative
Topics: Debt collection, Right to dispute, Credit reporting
AI Analysis
CFPB complaint 13828517 was filed against Resurgent Capital Services L.P. regarding Debt collection (I do not know), specifically about "Written notification about debt". The consumer disputes a debt, claiming they never received written notification of their right to dispute it, and requests its removal from their credit report. The complaint was received on May 31, 2025 from Alabama. The company responded with "Closed with explanation".
Consumer Narrative
Account Lvnv Funding Llc XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.
What You Should Do -- Consumer Action Plan
Consumers should keep records of all communication with debt collectors and be aware of their rights regarding dispute notifications.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide consumers with specific information about their rights, including the right to dispute a debt.
Regulatory Insight
Failure to provide proper written notice of the right to dispute a debt can be a violation of the FDCPA, potentially leading to penalties for the debt collector.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Alabama, and state laws may also provide additional protections regarding debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry where disputes arise over the adequacy of initial disclosures.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828517 about?
CFPB complaint 13828517 involves Debt collection (I do not know). The consumer reported an issue with "Written notification about debt", specifically "Didn't receive notice of right to dispute". This complaint was filed against Resurgent Capital Services L.P. on May 31, 2025.
Which company is complaint 13828517 filed against?
Complaint 13828517 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 13828517?
Resurgent Capital Services L.P. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828517 filed?
Complaint 13828517 was received by the CFPB on May 31, 2025. It was sent to Resurgent Capital Services L.P. on May 31, 2025.
What state was complaint 13828517 filed from?
Complaint 13828517 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 13828517?
Dispute information is not available for complaint 13828517.
What product category is complaint 13828517 about?
Complaint 13828517 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 13828517 submitted?
Complaint 13828517 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 13828517?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide consumers with specific information about their rights, including the right to dispute a debt. This relates to a Debt collection complaint against Resurgent Capital Services L.P. involving "Written notification about debt".
How likely is complaint 13828517 to be resolved?
Resolution likelihood: mixed. 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 13828517?
This complaint is rated as medium risk. The consumer's claim of not receiving dispute notification could lead to violations of debt collection regulations if not properly documented by the creditor.
What regulatory actions apply to complaint 13828517?
Failure to provide proper written notice of the right to dispute a debt can be a violation of the FDCPA, potentially leading to penalties for the debt collector. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 13828517?
Consumers should keep records of all communication with debt collectors and be aware of their rights regarding dispute notifications.
Are there state-specific protections for complaint 13828517?
The consumer is located in Alabama, and state laws may also provide additional protections regarding debt collection practices. This complaint was filed from Alabama.
How does complaint 13828517 compare to industry norms?
This is a common issue in the debt collection industry where disputes arise over the adequacy of initial disclosures.
What specific documentation is required to prove a consumer received written notification of their right to dispute a debt?
Creditors typically need to provide proof of mailing, such as a postmark, and ideally, a return receipt with the consumer's signature to demonstrate delivery of the dispute notification.
What are the potential consequences for a debt collector if they fail to provide proper dispute notification?
Failure to provide proper notification can result in violations of the FDCPA, leading to statutory damages, actual damages, and attorney's fees for the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.