Debt collection -- Attempts to collect debt not owed -- Complaint #16909923
Complaint Overview
Complaint ID: 16909923
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Louisiana
ZIP Code: 70119
Date Received: 2025-10-29T12:00:00-05:00
Date Sent to Company: 2025-10-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Resurgent Capital Services Attempting to Collect Disputed Debt Sold During XXXX XXXX Resurgent Capital Services is attempting to collect {$1600.00} on behalf of LVNV Funding LLC ( Reference ID XXXX, original account with XXXX XXXX XXXX ending in XXXX ). This debt is invalid and I dispute it in its entirety. Background : On XX/XX/year>, I filed a Fair Credit Billing Act dispute with XXXX XXXX Bank for {$1500.00} in fraudulent XXXX charges. XXXX XXXXXXXX violated FCBA by : Providing only partial credit ( {$270.00} ) without explanation Reporting my account late during my active dispute ( XXXXXXXX XXXX ) Selling my account to LVNV Funding on XX/XX/XXXX, XXXX days before the XXXX closed their investigation of XXXX XXXX XXXX XXXX violations XXXX Case # XXXX ) Why this debt collection is unlawful : Debt was under active dispute : XXXX XXXXXXXX sold this account while it was subject to an active FCBA billing dispute and OCC regulatory investigation Amount is inflated : The {$1600.00} claimed includes approximately {$340.00} in unlawful late fees and interest charged during my dispute period. The legitimate balance ( if any ) should not exceed {$1200.00} No valid debt verification : Resurgent can not verify this debt because XXXX XXXX never properly validated the underlying XXXX charges before selling the account Improper sale : XXXX XXXX had no legal authority to sell a disputed debt during active regulatory investigation I sent Resurgent a written debt validation dispute on [ INSERT DATE YOU MAILED IT ], but they have not ceased collection activity as required by FDCPA XXXX692g. Attached documentation : My debt validation dispute letter to Resurgent dated [ INSERT DATE ] Collection letters from Resurgent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute to XXXX XXXX OCC correspondence confirming active investigation when debt was sold This collection violates both FDCPA and FCRA because it attempts to collect and report a debt that was improperly sold while under dispute.
Frequently Asked Questions
What is Complaint #16909923 about?
Complaint #16909923 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 2025-10-29T12:00:00-05:00.
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.