Debt collection -- Written notification about debt -- Complaint #13828523
Debt Collector Failed to Provide Written Notice of Dispute Rights
Complaint Overview
Complaint ID: 13828523
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Florida
ZIP Code: 32701
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
Risk Assessment
Risk Level: high
Failure to provide written notification of the right to dispute a debt is a direct violation of the FDCPA, exposing the debt collector to potential legal action and penalties.
Consumer Sentiment: negative
Topics: Debt collection, Fair Debt Collection Practices Act (FDCPA), Debt validation, Written notification
AI Analysis
CFPB complaint 13828523 was filed against Resurgent Capital Services L.P. regarding Debt collection (Credit card debt), specifically about "Written notification about debt". The consumer alleges that Resurgent Capital Services L.P. failed to provide written notification of their right to dispute the debt, which is a violation of the Fair Debt Collection Practices Act (FDCPA). The complaint was received on May 31, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all debt collection notices and immediately document any perceived violations of their rights, such as the lack of required dispute notification.
Legal Context & Consumer Protection Laws
The FDCPA requires debt collectors to provide consumers with specific written disclosures, including the right to dispute the debt within 30 days of the initial communication.
Regulatory Insight
This case highlights the importance of strict adherence to FDCPA disclosure requirements; failure to do so can lead to significant legal repercussions for debt collectors.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed in Florida, and state laws may also offer protections related to debt collection practices.
Industry Comparison
This is a common issue in debt collection, where consumers may not receive or understand their rights regarding debt validation and dispute.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828523 about?
CFPB complaint 13828523 involves Debt collection (Credit card debt). 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 13828523 filed against?
Complaint 13828523 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 13828523?
Resurgent Capital Services L.P. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828523 filed?
Complaint 13828523 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 13828523 filed from?
Complaint 13828523 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 13828523?
Dispute information is not available for complaint 13828523.
What product category is complaint 13828523 about?
Complaint 13828523 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 13828523 submitted?
Complaint 13828523 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 13828523?
The FDCPA requires debt collectors to provide consumers with specific written disclosures, including the right to dispute the debt within 30 days of the initial communication. This relates to a Debt collection complaint against Resurgent Capital Services L.P. involving "Written notification about debt".
How likely is complaint 13828523 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 13828523?
This complaint is rated as high risk. Failure to provide written notification of the right to dispute a debt is a direct violation of the FDCPA, exposing the debt collector to potential legal action and penalties.
What regulatory actions apply to complaint 13828523?
This case highlights the importance of strict adherence to FDCPA disclosure requirements; failure to do so can lead to significant legal repercussions for debt collectors. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 13828523?
Consumers should carefully review all debt collection notices and immediately document any perceived violations of their rights, such as the lack of required dispute notification.
Are there state-specific protections for complaint 13828523?
The complaint was filed in Florida, and state laws may also offer protections related to debt collection practices. This complaint was filed from Florida.
How does complaint 13828523 compare to industry norms?
This is a common issue in debt collection, where consumers may not receive or understand their rights regarding debt validation and dispute.
What are the specific requirements for written notification of the right to dispute a debt under the FDCPA?
The FDCPA requires debt collectors to inform consumers in writing of their right to dispute the debt within 30 days of the initial communication, including the name and address of the original creditor if different from the current collector.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.