Debt collection -- Attempts to collect debt not owed -- Complaint #19515706
Complaint Overview
Complaint ID: 19515706
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: Colorado
ZIP Code: 80918
Date Received: 2026-02-15T12:00:00-05:00
Date Sent to Company: 2026-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TIMELINE : XX/XX/year> : I sent a debt validation request to Resurgent Capital Services/LVNV Funding via XXXX mail, exercising my rights under FDCPA 15 USC 1692g . XX/XX/year> : I received XXXX contradictory letters from Resurgent Capital Services : LETTER XXXX : Claims my validation request is " frivolous and irrelevant '' and refuses to investigate, falsely stating they believe it was " submitted by, prepared on behalf of, or submitted on a form supplied by a credit repair organization. '' LETTER XXXX : States they have " initiated a review of the inquiry recently received. '' VIOLATIONS : XXXX. FALSE CLAIM : I did NOT use a credit repair organization. I personally drafted and sent the validation request myself. This is a false allegation used to evade their legal obligations. XXXX. FDCPA VIOLATION : Under federal law, XXXX collectors MUST cease collection and provide validation when requested. They can not refuse based on a false claim about credit repair organizations. XXXX. CONTRADICTORY RESPONSES : Sending XXXX contradictory letters demonstrates bad faith and inability to properly validate this debt. XXXX. CONTINUING COLLECTION : Despite my validation request, they continue to report unverified information to credit bureaus. BACKGROUND : This debt allegedly stems from XXXX XXXX Bank. I made multiple good-faith attempts to pay XXXX XXXX but encountered severe language barriers with customer service and inability to set up online bill pay despite repeated requests. I requested to pay off and close the account and believed it was handled. The charges that led to this debt were not properly authorized. CURRENT STATUS : Resurgent/LVNV refuses to validate the debt. The account is still being reported to credit bureaus as unverified. I sent a follow-up letter on XX/XX/year>, demanding compliance within XXXX days. This appears to be a pattern and practice by this company to avoid their federal obligations under FDCPA.
Frequently Asked Questions
What is Complaint #19515706 about?
Complaint #19515706 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 2026-02-15T12:00:00-05:00.
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.