Debt collection -- Attempts to collect debt not owed -- Complaint #5502742
Complaint Overview
Complaint ID: 5502742
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: Oregon
ZIP Code: 97230
Date Received: 2022-04-26T12:00:00-05:00
Date Sent to Company: 2022-04-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX LVNV Funding LLC placed me in collections for {$790.00} debt to XXXX. At the time I was unaware that there was even a XXXX account connected to my name. I disputed this several times and was sent a billing statement with my name on it. Mind you that still doesnt explain to me where this debt came from. I asked for verification of a contract with my signature which was never received. I started receiving settlement letters to my mothers house in XXXX when I do not and have not shared an address with her in XXXX. I repeatedly reported inaccuracies with the debt etc and as sent several verification letters for this date. Upon contacting XXXX they were very helpful and I was told they have no evidence of the debt or any prior accounts with me. This was done 2x or 3x over the past 5 years. So I was finally told they cant pull-up anything or attach anything based on my birthday or Social security number. However they were able to send me a verification of debt based on the account number and my name. The debt was for an original amount of {$100.00} which they updated per the dispute and then deleted it as they couldnt verify the origins of the application or search it based on my personal details. ( So In XXXX I did open account with XXXX as I had decent experience with them helping me, but that has no relevance here. Just mentioning it for factual purposes. ) This complaint is NOT about XXXX, theyve been amazing. Anyhow, upon receiving this information I notified LVNV Funding LLC and XXXX of this and provided the investigation results I received from XXXX XXXX directly. LVNV Funding LLC once AGAIN sent a billing statement with my name on it with XXXX XXXX as the company owed. Not only have I never had a contract with them but the debt that they purchased was incorrectly attributed to my name to begin with. Even upon having creditone update the INFORMATION AND acknowledge the deletion of the original account. XXXX has repeatedly verified this debt, even with blatant evidence of inaccuracies and inaccurate reporting, I mean even if the debt was able to be tied to me, XXXX reported a balance of {$100.00}! Where did they get the {$790.00}? This is the issue with debt purchasing. And XXXX chose to update the account INACCURATELY based on LVNV FUNDING LLCS inaccurate debt purchase rather than delete it per my request when the inaccuracies were found acknowledged and identified by all BOTH necessary parties, myself AND the ORIGINAL CREDITOR.. Its been a rabbit hole for almost 5yrs now for a debt on a credit card they say is from XXXX. A debt they claim to have purchased in XXXX and started a fresh collection that is not even mine. Im exhausted with the back and forth and lack of tact in seeing things are accurate. None of it makes sense and Ive done everything submitted documents. Placed identity theft alerts etc and here we are. Its very much negligent on the part of the collection agency XXXX to continue to verify AND report a debt with no actual evidence or effort put into verifying the contracts or signatures pertaining to me. Not to mention the complete disregard for evidence from the original account provided BY ME. As well as investigation results from their own company. They removed the XXXX debt and left the collection debt that rooted from it. Its a full fledged violation of my rights.
Frequently Asked Questions
What is Complaint #5502742 about?
Complaint #5502742 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 2022-04-26T12:00:00-05:00.
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.