Debt collection -- Attempts to collect debt not owed -- Complaint #13828528
Consumer disputes debt collection for unknown debt
Complaint Overview
Complaint ID: 13828528
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Pennsylvania
ZIP Code: 19146
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: medium
The risk is medium because the debt collector may have made an error in identifying the correct debtor, or the consumer may be mistaken about their debt obligations.
Consumer Sentiment: neutral
Topics: Debt collection, Improper debt collection
AI Analysis
CFPB complaint 13828528 was filed against Resurgent Capital Services L.P. regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer filed a complaint stating that Resurgent Capital Services L.P. attempted to collect a debt that the consumer claims is not theirs. The complaint was received on May 31, 2025 from Pennsylvania. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review any debt collection notices and dispute any inaccuracies in writing, providing any supporting documentation they may have.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed.
Regulatory Insight
This case highlights the importance of accurate record-keeping and verification by debt collection agencies to avoid pursuing incorrect debts.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Pennsylvania, and state laws may also provide additional consumer protections regarding debt collection practices.
Industry Comparison
Debt collection agencies face scrutiny for errors in identifying debtors, with potential for regulatory action and consumer lawsuits.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828528 about?
CFPB complaint 13828528 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Resurgent Capital Services L.P. on May 31, 2025.
Which company is complaint 13828528 filed against?
Complaint 13828528 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 13828528?
Resurgent Capital Services L.P. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828528 filed?
Complaint 13828528 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 13828528 filed from?
Complaint 13828528 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 13828528?
Dispute information is not available for complaint 13828528.
What product category is complaint 13828528 about?
Complaint 13828528 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 13828528 submitted?
Complaint 13828528 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 13828528?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed. This relates to a Debt collection complaint against Resurgent Capital Services L.P. involving "Attempts to collect debt not owed".
How likely is complaint 13828528 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 13828528?
This complaint is rated as medium risk. The risk is medium because the debt collector may have made an error in identifying the correct debtor, or the consumer may be mistaken about their debt obligations.
What regulatory actions apply to complaint 13828528?
This case highlights the importance of accurate record-keeping and verification by debt collection agencies to avoid pursuing incorrect debts. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 13828528?
Consumers should carefully review any debt collection notices and dispute any inaccuracies in writing, providing any supporting documentation they may have.
Are there state-specific protections for complaint 13828528?
The complaint originated in Pennsylvania, and state laws may also provide additional consumer protections regarding debt collection practices. This complaint was filed from Pennsylvania.
How does complaint 13828528 compare to industry norms?
Debt collection agencies face scrutiny for errors in identifying debtors, with potential for regulatory action and consumer lawsuits.
What steps should a consumer take if they receive a debt collection notice for a debt they do not recognize?
The consumer should immediately send a written dispute letter to the debt collector within 30 days of the initial notice. This letter should clearly state that the debt is disputed and request validation of the debt.
What are the potential consequences for a debt collector who attempts to collect a debt not owed by the consumer?
Debt collectors who violate the FDCPA by attempting to collect debts not owed can face legal action from consumers, including statutory damages, actual damages, attorney's fees, and court costs.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.