Debt collection -- Written notification about debt -- Complaint #13828520
Debt Collector Fails to Provide Dispute Notice, Resolves Complaint Without Payment
Complaint Overview
Complaint ID: 13828520
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: Florida
ZIP Code: 34761
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low because the complaint was resolved with non-monetary relief, indicating the debt collector likely corrected the issue without significant financial penalty.
Consumer Sentiment: neutral
Topics: Debt collection, Fair Debt Collection Practices Act (FDCPA), Right to dispute debt
AI Analysis
CFPB complaint 13828520 was filed against Resurgent Capital Services L.P. regarding Debt collection (I do not know), specifically about "Written notification about debt". A consumer did not receive written notification of their right to dispute a debt from Resurgent Capital Services L.P., leading to a closed complaint with non-monetary relief. The complaint was received on May 31, 2025 from Florida. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should be aware of their right to dispute debts and request written validation, and keep records of all communication.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide consumers with specific disclosures, including the right to dispute the debt.
Regulatory Insight
This case highlights the importance of adhering to FDCPA disclosure requirements to avoid potential violations and consumer complaints.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Florida, and state laws may also provide additional consumer protections regarding debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where procedural errors in providing required notices can lead to consumer disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828520 about?
CFPB complaint 13828520 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 13828520 filed against?
Complaint 13828520 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 13828520?
Resurgent Capital Services L.P. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13828520 filed?
Complaint 13828520 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 13828520 filed from?
Complaint 13828520 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 13828520?
Dispute information is not available for complaint 13828520.
What product category is complaint 13828520 about?
Complaint 13828520 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 13828520 submitted?
Complaint 13828520 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 13828520?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide consumers with specific disclosures, including the right to dispute the debt. This relates to a Debt collection complaint against Resurgent Capital Services L.P. involving "Written notification about debt".
How likely is complaint 13828520 to be resolved?
Resolution likelihood: likely. 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 13828520?
This complaint is rated as low risk. The risk is low because the complaint was resolved with non-monetary relief, indicating the debt collector likely corrected the issue without significant financial penalty.
What regulatory actions apply to complaint 13828520?
This case highlights the importance of adhering to FDCPA disclosure requirements to avoid potential violations and consumer complaints. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 13828520?
Consumers should be aware of their right to dispute debts and request written validation, and keep records of all communication.
Are there state-specific protections for complaint 13828520?
The complaint originated in Florida, and state laws may also provide additional consumer protections regarding debt collection practices. This complaint was filed from Florida.
How does complaint 13828520 compare to industry norms?
This situation is common in the debt collection industry, where procedural errors in providing required notices can lead to consumer disputes.
What constitutes adequate written notification of the right to dispute a debt under the FDCPA?
Adequate written notification includes informing the consumer of their right to dispute the debt within 30 days of the initial communication and their right to request verification of the debt.
What are examples of non-monetary relief in debt collection complaints?
Non-monetary relief can include the debt collector agreeing to cease collection efforts, correct reporting to credit bureaus, or provide specific documentation to the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.