Debt collection -- Attempts to collect debt not owed -- Complaint #7325662
Complaint Overview
Complaint ID: 7325662
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: Florida
ZIP Code: 33068
Date Received: 2023-07-30T12:00:00-05:00
Date Sent to Company: 2023-07-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Subject : Complaint Against LVNV FUNDING LLC for Repeated Violation of Consumer Rights and Failure to Verify Debt Dear Sir/Madam, I am writing to file a formal complaint against LVNV FUNDING LLC , a debt collector company, for their persistent violation of my consumer rights and their failure to provide adequate debt verification. Despite multiple attempts to address this matter, my complaints to the Consumer Financial Protection Bureau ( CFPB ) have been ignored, and LVNV FUNDING LLC continues to report erroneous information on my credit report, causing grave emotional distress and hindering my financial goals. Details of the Complaint : Lack of Debt Verification : On XX/XX/XXXX, XXXX, XXXX, I received communication from LVNV FUNDING LLC claiming I owed a debt. I promptly requested them to provide proper verification of the alleged debt, as guaranteed by the Fair Debt Collection Practices Act ( FDCPA ). However, to date, they have failed to provide any method of verification they used to validate this debt. Absence of Contractual Agreement : I wish to emphasize that I have never entered into any contractual agreement with LVNV FUNDING LLC or any of their affiliates. Furthermore, they do not possess any documentation bearing my signature or any other proof of my liability for the alleged debt. Ignored CFPB Complaints : I have diligently submitted multiple complaints regarding this matter to the Consumer Financial Protection Bureau. Regrettably, none of these complaints have received appropriate attention or resolution. Persistent Erroneous Reporting : LVNV FUNDING LLC 's unwillingness to verify the debt accurately has resulted in continuous erroneous reporting on my credit report. This has led to severe emotional pain and has adversely affected my ability to achieve my financial objectives. Requested Actions : I urge the Consumer Financial Protection Bureau to take immediate action and compel LVNV FUNDING LLC to adhere to the following measures : Verify Debt : LVNV FUNDING LLC must be compelled to provide a clear and comprehensive verification of the alleged debt, as mandated by the Fair Debt Collection Practices Act. Removal of Accounts : In light of the absence of a valid contractual agreement and failure to verify the debt, I demand that all accounts associated with LVNV FUNDING LLC be removed from my credit report promptly. Accountability and Fair Practices : LVNV FUNDING LLC should be held accountable for their repeated violations of consumer rights and unfair debt collection practices. Resolution of Emotional Distress : I request suitable compensation for the emotional distress caused by their unjust actions. Ensuring Future Compliance : To prevent similar incidents from occurring in the future, LVNV FUNDING LLC must be subjected to strict monitoring and auditing of their debt collection practices. If this matter is not addressed promptly and my consumer rights are not safeguarded, I am prepared to pursue legal action to seek redress for the harm caused by LVNV FUNDING LLC 's actions. I have enclosed copies of relevant documents, including communications with LVNV FUNDING LLC to support my complaint. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. Thank you for your attention to this matter. I look forward to a prompt and thorough investigation and resolution of this complaint. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #7325662 about?
Complaint #7325662 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 2023-07-30T12:00:00-05:00.
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.