Debt collection -- False statements or representation -- Complaint #13828526
Debt Collector Accused of False Statements and Attempting to Collect Incorrect Amount
Complaint Overview
Complaint ID: 13828526
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 775XX
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
The company may have violated the Fair Debt Collection Practices Act (FDCPA) by making false statements and attempting to collect a debt that may no longer be owed.
Consumer Sentiment: negative
Topics: Debt collection, Fair Debt Collection Practices Act (FDCPA), Debt validation
AI Analysis
CFPB complaint 13828526 was filed against Resurgent Capital Services L.P. regarding Debt collection (I do not know), specifically about "False statements or representation". A consumer disputed a debt with Resurgent Capital Services L.P., requesting validation of the original agreement and claiming the debt was improperly reported as having a remaining balance after being charged off. The complaint was received on May 31, 2025 from Texas. The company responded with "Closed with explanation".
Consumer Narrative
Request a validation of the original agreement with my signature on it with lvnv funding llc. 15 u.s code 1681s-2 it a chargeoff which means it shouldn't show no remaining balance but XXXX it show a balance of XXXX
What You Should Do -- Consumer Action Plan
Consumers should always request debt validation in writing and keep records of all communication with debt collectors.
Legal Context & Consumer Protection Laws
This case involves potential violations of the FDCPA, specifically sections related to false representations and attempts to collect amounts not owed.
Regulatory Insight
Regulators will likely scrutinize the debt collector's practices regarding debt validation and the accuracy of reported balances for charged-off accounts.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Texas, and state laws may also apply to debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where disputes over debt validation and accuracy of balances frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828526 about?
CFPB complaint 13828526 involves Debt collection (I do not know). The consumer reported an issue with "False statements or representation", specifically "Attempted to collect wrong amount". This complaint was filed against Resurgent Capital Services L.P. on May 31, 2025.
Which company is complaint 13828526 filed against?
Complaint 13828526 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 13828526?
Resurgent Capital Services L.P. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828526 filed?
Complaint 13828526 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 13828526 filed from?
Complaint 13828526 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 13828526?
Dispute information is not available for complaint 13828526.
What product category is complaint 13828526 about?
Complaint 13828526 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 13828526 submitted?
Complaint 13828526 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 13828526?
This case involves potential violations of the FDCPA, specifically sections related to false representations and attempts to collect amounts not owed. This relates to a Debt collection complaint against Resurgent Capital Services L.P. involving "False statements or representation".
How likely is complaint 13828526 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 13828526?
This complaint is rated as high risk. The company may have violated the Fair Debt Collection Practices Act (FDCPA) by making false statements and attempting to collect a debt that may no longer be owed.
What regulatory actions apply to complaint 13828526?
Regulators will likely scrutinize the debt collector's practices regarding debt validation and the accuracy of reported balances for charged-off accounts. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 13828526?
Consumers should always request debt validation in writing and keep records of all communication with debt collectors.
Are there state-specific protections for complaint 13828526?
The consumer is located in Texas, and state laws may also apply to debt collection practices. This complaint was filed from Texas.
How does complaint 13828526 compare to industry norms?
This situation is common in the debt collection industry, where disputes over debt validation and accuracy of balances frequently arise.
What specific documentation is required for debt validation under the FDCPA?
Under the FDCPA, a debt collector must provide validation of the debt, which typically includes the amount of the debt, the name of the creditor, and verification that the debt is valid.
Can a debt collector attempt to collect a debt that has been charged off?
While a charge-off typically means the debt is unlikely to be collected, it does not necessarily extinguish the debt. However, the collector must still be able to validate the debt and cannot misrepresent its status or amount.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.