Debt collection -- Took or threatened to take negative or legal action -- Complaint #14271829
Complaint Overview
Complaint ID: 14271829
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Idaho
ZIP Code: 83634
Date Received: 2025-06-24T12:00:00-05:00
Date Sent to Company: 2025-06-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I submitted a formal dispute and elected binding arbitration under the Federal Arbitration Act ( FAA ) to XXXX XXXX XXXX on XX/XX/year>. On XX/XX/XXXX, I received two letters from Resurgent Capital Services XXXX stating the account was under review, and another verifying the debt with Experian and Equifax, despite the arbitration election already being on record. On XX/XX/XXXX, I reiterated my election to Resurgent in writing. Despite this, they continued reporting and communicating outside arbitration. On XX/XX/XXXX, I received yet another letter dated XX/XX/XXXX from Resurgent, stating they were still reviewing the inquiry while the debt was simultaneously reassigned to a new collector ( XXXX XXXX XXXX XXXX ). These actions constitute clear violations of FDCPA 805 ( c ) and 807 ( 2 ) ( A ), and FCRA 1681s-2 ( b ). Resurgent had proper notice of the legal dispute and arbitration election yet continued to act in violation of federal law. Supporting documents include the full email history showing each entity 's involvement and formal legal notices sent. While XXXX XXXX XXXX XXXX is now the current assignee, this complaint pertains to violations committed prior to that reassignment. The attached documents help demonstrate the timeline.
Frequently Asked Questions
What is Complaint #14271829 about?
Complaint #14271829 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-06-24T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Resurgent Capital Services L.P.?
Yes, visit the Resurgent Capital Services L.P. company profile at readthecomplaint.com/company/resurgent-capital-services-l-p to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.