Debt collection -- Written notification about debt -- Complaint #13828524
Consumer disputes debt validity due to lack of dispute notification.
Complaint Overview
Complaint ID: 13828524
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 non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: medium
The risk is medium because the consumer alleges a violation of their right to dispute, which could lead to regulatory scrutiny if not properly documented.
Consumer Sentiment: neutral
Topics: Debt collection, Right to dispute, Written notification
AI Analysis
CFPB complaint 13828524 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 non-monetary relief".
Consumer Narrative
Account Lvnv Funding Llc XXXX XXXXXXXX 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 communications and be aware of their rights regarding debt validation and dispute.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific disclosures, including the right to dispute a debt.
Regulatory Insight
This case highlights the importance of providing clear and timely written notice of the right to dispute a debt, as required by the FDCPA.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Alabama, and state laws may also govern debt collection practices.
Industry Comparison
This is a common issue in debt collection, where consumers may not receive or acknowledge receipt of dispute notification.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828524 about?
CFPB complaint 13828524 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 13828524 filed against?
Complaint 13828524 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 13828524?
Resurgent Capital Services L.P. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13828524 filed?
Complaint 13828524 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 13828524 filed from?
Complaint 13828524 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 13828524?
Dispute information is not available for complaint 13828524.
What product category is complaint 13828524 about?
Complaint 13828524 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 13828524 submitted?
Complaint 13828524 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 13828524?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific disclosures, 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 13828524 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 13828524?
This complaint is rated as medium risk. The risk is medium because the consumer alleges a violation of their right to dispute, which could lead to regulatory scrutiny if not properly documented.
What regulatory actions apply to complaint 13828524?
This case highlights the importance of providing clear and timely written notice of the right to dispute a debt, as required by the FDCPA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 13828524?
Consumers should keep records of all communications and be aware of their rights regarding debt validation and dispute.
Are there state-specific protections for complaint 13828524?
The consumer is located in Alabama, and state laws may also govern debt collection practices. This complaint was filed from Alabama.
How does complaint 13828524 compare to industry norms?
This is a common issue in debt collection, where consumers may not receive or acknowledge receipt of dispute notification.
What specific information must be included in the written notification of the right to dispute a debt?
The notification must clearly state the amount of the debt, the name of the creditor, and inform the consumer of their right to dispute the debt within 30 days of receiving the notice.
What constitutes 'proper notification' in debt collection?
Proper notification typically involves sending written communication to the consumer's last known address that includes all legally required disclosures, and ideally, proof of mailing or delivery.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.