Debt collection -- Attempts to collect debt not owed -- Complaint #15339654
Complaint Overview
Complaint ID: 15339654
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: Massachusetts
ZIP Code: 01843
Date Received: 2025-08-17T12:00:00-05:00
Date Sent to Company: 2025-08-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because the company failed to properly validate a debt I disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and related consumer protection statutes, a consumer has the right to request a full and verifiable validation of any alleged debt before it can be collected or reported. I exercised this right and formally requested specific documentation to prove the validity and ownership of the alleged account. The company responded by sending only a generic bank statement. This does not meet the legal standard for debt validation, as it fails to prove the existence, ownership, and enforceability of the alleged debt. Specifically, the company failed to provide the following documents I demanded, which are necessary to establish legal standing and verification : Original signed contract Proof that I personally entered into a binding agreement with the original creditor. Full chain of title All assignments, transfers, and ownership records from the original creditor to the present entity. Proof of Holder in Due Course status As required under the Uniform Commercial Code ( UCC ) Articles 3 and 9. Transfer documents under 15 U.S.C. 1641 ( g ) ( TILA ) Showing legal transfer and notice of such transfer. Pooling and Servicing Agreement identification If the alleged debt was securitized, the PSA and Schedule of Assets identifying the specific account. By failing to provide these documents, the company has not validated the alleged debt. A mere bank statement does not prove liability, ownership, or the legal right to collect. Therefore, the continued reporting or collection activity on this account constitutes a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).
Frequently Asked Questions
What is Complaint #15339654 about?
Complaint #15339654 was filed against Resurgent Capital Services L.P. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-08-17T12:00:00-05:00.
How did Resurgent Capital Services L.P. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.