Debt collection -- Attempts to collect debt not owed -- Complaint #8651491
Complaint Overview
Complaint ID: 8651491
Company: Resurgent Capital Services L.P.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Maryland
ZIP Code: 21040
Date Received: 2024-03-28T12:00:00-05:00
Date Sent to Company: 2024-03-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This debt collector employed prohibited practices under the FDCPA, including abuse, deception, and unfairness. They provided information on an account without agreement or signed contract from my side, violating the basic requirement of a legal contract involving two parties ' consent. Additionally, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, each violation entitles me to {$1000.00}, indicating clear infringement of my rights. Please be advised that the debt collector are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. Accordingly, I am requesting that debt collector do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA.
Frequently Asked Questions
What is Complaint #8651491 about?
Complaint #8651491 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 2024-03-28T12:00:00-05:00.
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.