XXXX XXXX XXXX, Plaintiff, XXXX XXXX XXXX XXXXk ( XXXX ), XXXX. and Resurgent Acquisitions, LLC, Defendants. XXXX XXXX. : __________ COMPLAINT FOR DAMAGES AND INJUNCTIVE RELIEF I. INTRODUCTION This action arises under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX. Plaintiff brings this action for unlawful collection activity, fraudulent assignment of an alleged debt, improper disclosure of personal information, and reporting of inaccurate and unverified information. XXXX. JURISDICTION AND VENUE This Court has jurisdiction under XXXX XXXX. XXXX, XXXX, and XXXX, and XXXX XXXX. XXXX. Venue is proper in this district as the XXXX resides here and the violations occurred here. XXXX. XXXX XXXX, XXXX XXXX XXXX, is a natural person and consumer protected under federal law.…
CFPB COMPLAINT DATABASE
Resurgent Capital Services L.P.
808 real consumer complaints filed against Resurgent Capital Services L.P. at the Consumer Financial Protection Bureau in the last 12 months. 228 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Attempts to collect debt not owed311
- 02False statements or representation172
- 03Written notification about debt141
- 04Took or threatened to take negative or legal action95
- 05Communication tactics24
Top states filing
Recent complaints
The 30 most recent complaints against Resurgent Capital Services L.P. where the consumer chose to publish their narrative.
I am submitting this complaint due to ongoing harassment by debt collectors who continue to contact me excessively, including repeated calls throughout the day and at inappropriate hours. Their behavior has caused me significant stress and disruption to my daily life. I have previously attempted to dispute this debt, but my concerns have not been properly addressed or resolved. Despite my efforts, I continue to receive persistent communication without validation or a satisfactory response regarding the legitimacy and accuracy of the debt. I am requesting that this matter be thoroughly investigated, that the debt be properly verified, and that the excessive and harassing communication cease immediately. I would also like clear documentation and resolution regarding my prior dispute. Thank you for your attention to this matter.
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I request that you provide : The amount of the alleged debt, including any fees, interest, or additional charges The name and address of the original creditor Documentation showing that I am legally obligated to pay this debt Proof that your company is authorized to collect on this debt A copy of any agreement or contract bearing my signature related to this debt Until you provide proper validation of this debt, I request that you cease all collection activities and refrain from reporting this account to any credit reporting agencies. If this debt has already been reported to any credit bureau, I request that it be marked as disputed. Please note that this is not a refusal to pay, but a request for verification of the debt.…
I have disputed multiple accounts being reported and collected by LVNV Funding LLC and its servicer, Resurgent Capital Services, both directly and through the credit reporting agencies. These disputes were sent in multiple rounds, including disputes submitted through a third-party platform that generated and mailed multiple dispute letters to both the furnishers and the credit bureaus. Despite providing sufficient identifying documentation, including a copy of my identification and a bank statement, all XXXX credit reporting agencies XXXX, XXXX, and XXXX claimed they could not verify my identity. This is inaccurate and appears to have been used as a reason to avoid conducting a proper investigation into the disputed accounts. In response to my disputes, LVNV Funding LLC and Resurgent Capital Services provided Account Summary Reports that explicitly state they are not credit card or original creditor statements.…
I notified the company that I was in a current XXXX XXXX gave my case number along with the attorney information. I believed this debt was included in the XXXX XXXX and the attorney also stated that any communication should be sent to them because of the automatic stay. This company did not send the information to the attorney 's office, instead, it was sent directly to me which is in violation of the automatic stay. The validation information also did not list a complete breakdown of the charges, just the last monthly statement prior to a charge off. There is no information on the account about payments being made nor if/how they were made. It only lists my name as the debtor. All of this information should of been sent to my attorneys office which they already have that info per the letter sent to them. This is NOT the only debt they have purchased that is in my name which seems fishy to me
I notified the company that I was in a current XXXX XXXX, gave my case number along with the attorney information. I believed this debt was included in the XXXX XXXX and the attorney also stated that any communication should be sent to them because of the automatic stay. This company did not send the information to the attorney 's office, instead, it was sent directly to me which is in violation of the automatic stay. The validation information also did not list a complete breakdown of the charges, just the last monthly statement prior to a charge off. There is no information on the account about payments being made nor if/how they were made. It only lists my name as the debtor. All of this information should of been sent to my attorneys office which they already have that info per the letter sent to them. This is NOT the only debt they have purchased that is in my name which seems fishy to me.
I notified the company that I was in a current XXXX XXXX, gave my case number along with the attorney information. I believed this debt was included in the XXXX XXXX and the attorney also stated that any communication should be sent to them because of the automatic stay. This company did not send the information to the attorney 's office, instead, it was sent directly to me which is in violation of the automatic stay. The validation information also did not list a complete breakdown of the charges, just the last monthly statement prior to a charge off. There is no information on the account about payments being made nor if/how they were made. It only lists my name as the debtor. All of this information should of been sent to my attorneys office which they already have that info per the letter sent to them. This is NOT the only debt they have purchased that is in my name which seems fishy to me.
An account connected to XXXX was opened in my name without my knowledge or authorization on or about XX/XX/2021. The account was tied to an old address where I had not lived for well over a year, and I did not apply for it, use it, or benefit from it. I did not receive the notices, correspondence, or legal papers related to this account because they were sent to that prior address instead of my actual residence. I later discovered the account only after learning that wage garnishment had been pursued against me. After investigating, I reported the matter as identity theft to the XXXX XXXX Police Department. I also challenged the debt in court. The creditor, LVNV Funding LLC, failed to provide the documentation needed to prove that I opened or used the account, and the case was dismissed in XXXX XXXX XXXX XXXX.…
I am filing this complaint because LVNV Funding LLC has failed to provide legal proof of their authority to collect on account # XXXX. On XX/XX/year>, I sent a formal dispute ( see attached copy ) via certified mail ( Tracking # XXXX ). In that letter, I specifically demanded XXXX authority to collect the debt, signed agreement between alleged debtor and creditor, any insurance claims or judgements regarding this account, name and address of the alleged creditor, Alleged account number, Amount of the alleged debt, Date the alleged debt became payable, Date of original charge off or delinquency, Unbroken 'Chain of Title ' and a copy of the purchase agreement proving this agency owns the legal rights to this specific debt complete accounting of alleged debt, To date, the agency has failed to provide this documentation, which is a violation of the FDCPA. I request that all collection activity cease until legal authority is proven
I XXXX started my disputes with XXXX in XXXX and XXXX and XX/XX/year> I provided XXXX XXXX about an account reporting not correct the still said it will remain and did not change any information I also reached out to XXXX and I filed dispute and was told all information was verified, I reached out to Resurgent and was told we own this debt and we going to to take you to court and take everything I asked for the contract that I singed with them I was told we don't have to provide that because you owe the outstanding debt. XXXX removed and investigated, removed incorrect accounts with the Law but I have tried over and over and I feel at this point I am being targeted and not being treated fair under the laws that protect consumers. I feel like once I reached out I was really targeted and mistreated by credit bureau and a target for collection agencies making threats to turn my life XXXX down!
I submitted a written dispute and request for validation to LVNV Funding LLC and Resurgent Capital Services pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In response, the company failed to provide proper validation of the alleged debts. Instead, they provided only internal account summaries and limited billing statement copies. These documents do not establish ownership, accuracy, or enforceability of the alleged debts. Specifically, LVNV / Resurgent failed to provide : Any chain of title or documentation showing transfer of ownership from the original creditor Any account-level assignment proving my specific accounts were included in a sale or transfer Any bill of sale or purchase agreement A full itemized accounting of the alleged balances, including principal, interest, fees, and adjustments Any proof of authorization or licensing to collect in Texas Any confirmation that the debts are within the statute of limitations Any documentation establishing their…
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Debt Validation Request Under the FDCPA To Whom It May Concern : I am formally requesting validation of the alleged debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide full verification before any further collection activity. Specialty, I request : XXXX sighed purchase or assignment agreement, signed by all parties involved, showing a complete chain of title and legal transfer of the alleged debt. XXXXDocumentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information. XXXXA full itemized accounting of the alleged debt, including original creditor, dates, amounts, and any added fees.…
LVNV Funding/Resurgent Capital Services claims to be collecting a debt allegedly originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX has confirmed they have no record of this debt and advised me to file this complaint on XX/XX/year>. For the second time, LVNV has initiated legal action and garnishment without validating the debt. They failed to appear in court during the initial proceeding. I have not received any proof that this debt belongs to me, that LVNV legally owns it, or a detailed breakdown of the amount owed. I am formally disputing this debt and require full validation, which includes original account records, the complete account history, and proof of assignment. Furthermore, I demand the immediate cessation of all collection activities, including any and all garnishment. It appears they are attempting to collect a debt without adequate documentation, and enforcement is proceeding without proper verification.…
To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the alleged debt LVNV FUNDING ( XXXX XXXX ) claim I owe. I am requesting full validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under federal law, you are required to provide proper verification of the debt, including but not limited to : The original creditors name and address The full account number A complete accounting of the alleged debt amount Proof that you are legally authorized to collect on this debt Documentation bearing my signature showing I agreed to this obligation Until you provide this validation, you must cease all collection activities. Additionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding this alleged debt, except to provide the requested validation or to notify me of specific legal remedies.…
I am writing to dispute the above-referenced debt and to request validation of this alleged obligation. I do not admit liability for this debt. I am requesting that your company provide complete verification and documentation showing that I am legally obligated to pay this amount. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount claimed, including an itemization of principal, interest, fees, payments, and credits Copies of any agreement, contract, application, or other documents bearing my signature or otherwise showing I agreed to this debt Proof that your company has the legal right to collect this debt The date of default and the date of the last payment, if any A complete payment history on the account Documentation showing that the debt belongs to me and not to another person with a similar name or identifying information Until this debt is properly validated, I request that all…
I am filing this complaint against LVNV Funding LLC for failure to properly validate an alleged debt and for reporting inaccurate and unverified information to the credit reporting agencies. On XX/XX/year>, I sent a formal Debt Validation request pursuant to the Fair Debt Collection Practices Act. The collector either failed to respond within the required time frame or provided an insufficient response that does not meet federal standards for validation. The information provided, if any, only included basic account details such as the original creditor name, balance, and/or partial payment history. This does NOT constitute proper validation of a debt.…
I am extremely concerned because this company appears to be violating my rights under federal law. Pursuant to 15 U.S.C. 1681s-2 ( a ), data furnishers are legally obligated to report only information that is accurate and complete. The reporting of unverifiable, misleading, or inaccurate information constitutes a serious violation of the Fair Credit Reporting Act and can not be ignored.
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation To Whom It May Concern : I am responding to your recent communication regarding the alleged debt referenced above. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information so I can be fully informed : 1. * * Verification of the debt * *, including : - The name and address of the original creditor - The name and address of the current creditor - The full account number associated with the alleged debt - An itemized breakdown of the amount you claim I owe, including interest, fees, payments, and credits 2.…
I recently discovered a collection account on my credit report from Resurgent/LVNV Funding for {$240.00} related to XXXX XXXX XXXX XXXX I do not recall receiving proper notification of this debt before it was reported to my credit file. I am requesting full validation of this debt, including proof of ownership, original agreement, and full accounting of the amount. Until proper validation is provided, this account should not be reported. This is negatively impacting my credit and financial standing. I am requesting that this account be investigated and removed if it can not be properly verified in accordance with the Fair Credit Reporting Act.
The alleged debt has been paid in full. Any continued attempts to collect on this account are improper and constitute an attempt to collect a balance that is not owed. Furthermore, I have no contractual agreement with your agency, and your continued collection efforts may constitute harassment and a violation of applicable XXXX and XXXX laws governing debt collection practices. You are hereby directed to immediately cease all collection activities related to this matter.
Resurgent debt collection agency sent me an email that is not for me. It happens to be a collection for my mother that I did not know she had. She is still alive and I'm not sure how they got my email or why they would send me her info. It has the last XXXX of the account number, her first and last name, the amount owed and the collection ID number. The last I checked this was highly illegal. Please look into this. I wouldn't be surprised if this isn't the first time they've done this.
On or about XX/XX/year>, I disputed an alleged debt being reported and/or collected by Resurgent Capital Services and LVNV Funding LLC and requested proper validation of the account. In response, I received a letter stating that the debt had been verified, along with an Account Summary Report and an Ownership History document. However, the information provided does not constitute proper validation. The Account Summary Report appears to be a document created by the debt collector and not from the original creditor. The document itself states that it is not a credit card or other account statement from the original creditor. It only contains basic account details such as balance, dates, and creditor name, but does not include any original account records.…
I am filing this complaint against Resurgent Capital Services, LP regarding their failure to properly validate an alleged debt in accordance with federal law. On XX/XX/year>, I submitted a written debt validation request concerning the account they claim I owe. In response, the company failed to provide proper validation of the debt. Instead, they merely sent a billing statement, which does not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ). To date, Resurgent Capital Services has not provided : A copy of the original signed contract or agreement bearing my signature Documentation proving I have a legal obligation to pay this debt A complete chain of title showing their legal authority to collect ( assignment from the original creditor ) Itemized accounting showing how the balance of {$770.00} was calculated Providing a simple statement or summary is not sufficient validation of a debt.…
LVNV Funding LLC from XX/XX/XXXX until XX/XX/XXXX I submitted a cease and desist communication letter via a phone conversation after LVNV Funding LLC never responded to my verification of debt letter XX/XX/XXXX via USPS Certified postal mail. Since then I have been contacted by Resurgent Capital Services a subsidiary of LVNV Funding LLC numerous times after verbally on audio tape demanding a cease and desist due to LVNV not responding in writing to my validation of debt request within the 30 day time frame upon receiving in which I have a signed receipt from LVNV Funding from the USPS certified mail I sent. Due to their lack of communication providing me with the certification of all Debts they purchased from the original lenders and by not abiding by my cease and desist request, they are in violation of federal law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/2026 Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint LVNV Funding LLC XXXX XXXX Willful Violations of FCRA and FDCPA To Whom It May Concern, I am submitting a formal complaint against LVNV Funding LLC and XXXX for multiple, ongoing, and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Background : The original creditor for the account in question is XXXX XXXX Bank. LVNV Funding LLC claims ownership of this alleged debt but has failed to provide any valid proof of assignment or chain of title. Despite my formal dispute and demand for full validation, LVNV continues to attempt collection and furnishes this information to XXXX XXXX, despite being notified of my dispute, continues to report this account, including reinserted information that was previously deleted.…
To whom it may concern, I wrote you requesting validation of this alleged debt on XX/XX/year> As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.…
On XX/XX/year>, at approximately XXXXXXXX XXXX, XXXX XXXX, a debt collection agency, unlawfully disclosed my personal and debt information to a third party with whom I have no legal or financial relationship. XXXX XXXX contacted my daughters father, XXXX XXXX, and sent him a text message containing detailed information about my debt, including the creditor name ( XXXX XXXX XXXX XXXXXXXX. ), the current creditor ( LVNV Funding LLC ), my home address, and the amounts allegedly owed. XXXX XXXX is not my spouse, not a codebtor, not my attorney, and was never authorized to receive any information about my account. This disclosure was not made for permissible location purposes and included specific debt details, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ). By disclosing my personal and debt information to an unauthorized third party, XXXX XXXX violated my privacy rights and caused me emotional distress and embarrassment.…
I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease all collection activity until proper validation has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts.…
b'Account Number: XXXX\nOriginal Account Reference: XXXX XXXX XXXX\nWhile I acknowledge that account statements may show different balances over time, this does not establish legal ownership of the debt by LVNV Funding LLC nor does it prove a valid contractual obligation tied to Account Number XXXX. The company still fails to provide a signed agreement or proper documentation linking me legally to this alleged debt.'
I am filing this complaint regarding the collection and reporting of a debt that I do not owe. This account has already been resolved and reflects a Satisfaction of Judgment through the courts. Despite this, the company continues to report and/or attempt to collect this debt. Additionally, this same debt is being reported by multiple companies, including XXXX XXXX XXXX and LVNV Funding, which is duplicate reporting and inaccurate. I previously contacted the company and requested validation of the debt, including proof of ownership, original creditor information, and confirmation of the balance. I also requested correction of the reporting to reflect the satisfied status of the account. The company failed to provide sufficient documentation or correct the issue. The continued reporting and collection of this account is inaccurate and misleading, and it is negatively impacting my credit.…
Same thing happen to you?
Upload your evidence. We draft a formal complaint with citations in 10 minutes. CFPB legally forces a response in 15 days.