ComplaintsforResurgent Capital Services LP

• Initial Complaint

  01/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This debt collection company is harassing me by several telephone calls and voicemail messages a day regarding a debt to a credit card company that I never had a credit card with this company. I am a dialysis patient that has treatments 3 times a week and I do not need this extra stress especially when they are very mistaken about my having a credit card with this company.

  Customer response

  01/20/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  

  I am rejecting this response due to the following: This alleged debt does not belong to me ******* *******. Also, per Resurgent, this alleged debt is as of 2007/2008.Pennsylvania has a statute of limitations of six years for typical debts if it’s been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 

  
  

  Regards
  
  ******* *******

  Customer response

  01/31/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  I am disputing this debt because I do not owe this debt and therefore I will continue to disregard any type of payment requests from this company. I will refuse all written communications received via USPS mail, etc. and I will not accept any other types of communications requesting payment for this debt that does not belong to Darlene Bellamy. 

  
  Regards,
  
  ******* *******

  

  Business response

  02/01/2022

  January 19, 2022
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* *******; Case/File No. ********
  Account Number: ****************
  Original Creditor: ***** **** of Delaware
  Current Owner: LVNV Funding LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 14, 2022
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on December 30, 2011. Resurgent Capital Services L.P. (“Resurgent”)
  is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******* *******’s inquiry and believe the following information will address their concerns.
  
  The Account originated on June 25, 2007 with ***** **** of Delaware and was opened with
  Tribute. The last payment was received on July 3, 2007. The Account charged off on March 5, 2008 with
  a balance of $632.64. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $745.98.
  
  The enclosed letter containing verification of debt was mailed to ******* ******* on December
  29, 2021 in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and
  applicable state and local requirements.
  
  Resurgent does not condone harassment or unprofessional communication with customers, as it is
  our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
  Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,
  we found no evidence of the mishandlings alleged in the complaint.
  
  Our records indicate that ******* ******* previously submitted a notice requesting that we cease
  communication with them regard this Account. When such a request is received, a restriction is placed on
  the Account so that no further contact is made to the customer, except to respond to specific requests
  received from the customer.
  
  Resurgent understands that unforeseen circumstances can lead to involuntary financial hardship,
  making it difficult or impossible for customers to repay debt obligations. If ******* ******* is experiencing
  involuntary hardship, we ask that they provide hardship documentation so that we may review their
  circumstance and take appropriate action on the Account. This documentation should be sent to the
  following address or fax number:
  
  Compliance Department
  MS ***
  P.O. Box *****
  Greenville, SC 29603
  Fax: 866-467-0918
  
  I hope my response has addressed all of ******* *******’s concerns. If there are any further
  questions, comments or concerns, they may contact Customer Service at 1-888-665-0374.
  
  Respectfully,
  
  
  Teisha
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  
  
  

  

  Business response

  02/01/2022

  January 27, 2022
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* *******; Case/File No. ********
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the additional concerns submitted by ******* ******* received January
  24, 2022 regarding the referenced account (the “Account”). From our review, we believe the majority of
  their concerns were already addressed in our previous response. Enclosed is a copy of our previous response
  for review.
  
  ******* ******* is correct that the statute of limitations for initiating legal action, such as seeking
  a judgment, has expired; however, the Account balance is still owed and collectible as expiration of the
  statute of limitations does not affect their responsibility for the balance due on this Account.
  
  I hope my response has addressed all of Darlene Bellamy’s concerns. If there are any further
  questions, comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  
  Teisha
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  
  
  
  

• Initial Complaint

  12/28/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Resurgent capital, lvnv funding have been attempting to collect this debt ,wich is not mine since 2019 , I've repeatedly disputed this debt , they have produced nothing that has my signature, only a blank contract with my name and address on it , I'm contemplating taking leagle action for harassment and possibly seeking damages. They have purchased this debt from somewhere for pennies and are attempting to collect it from me .they have not provided any valadilation of debt wich shows that I was ever a party in any contract with any of the eneties they represent , I've requested that they cease and desist and leave me the **** alone before I get really pissed off !!

  Customer response

  01/05/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  Resurgent is trying to collect on a debt that is not mine , they have never produced a validation of debt letter wich is required in ny state to deem debt enforceable , verification of debt can be fabricated by anyone and is not admissible in a court of law in ny state ,they are using questionable tactics to try and collect a debt that is not mine. Never has a copy of my signature been produced on any official contract nor was I ever provided with notice the many times this debt was allegedly  bought and sold ,furthermore I have never had any contract with resurgent or any of its assigns .
  Regards,
  
  **** *****

  Customer response

  01/11/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  Regards,
  
  **** *****, This company has a copy of a contract with a likeness to my name printed on it , they have never produced any  contract or agreement with an actual signature signed by myself nor have I ever had dealings with any of the referenced creditors , there has never been a validation of debt established nor has there ever been an actual validation of debt letter produced binding myself to any contract,and or part of this debt , there is no police report as it is Resurgents responsability to provide actual proof that declares me a party to this debt,thus far all that has been produced are a file of contracts passed on from one creditor to another , none with my signature, however they have obtained a social security number that has a likeness to mine and my name, this has turned  into nothing more than  harassment on the part of Resurgent and  all eneties involved ,  I will  be seek my attorneys advice and will be  seeking   damages and penalties for the questionable debt collection tactics being used against me . **

  

  Business response

  01/12/2022

  January 4, 2022
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: **** *****; Case/File No. ********
  Account Number: XXX****
  Original Creditor: *******
  Current Owner: LVNV Funding LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received December 28,
  2021 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on December 18, 2019. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  **** *****’s inquiry and believe the following information will address their concerns.
  
  The Account originated on May 15, 2019 with *******. The last payment in the amount of
  $109.00 was received on June 18, 2019. The Account charged off on November 12, 2019 with a balance of
  $2,883.01. No payments have been received on the Account since it was acquired by the Current Owner.
  The current Account balance is $2,883.01.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
  Reporting Act, the Current Owner’s tradeline for this Account is being reported as disputed to the credit
  bureaus. It will continue to report as such throughout the permissible reporting period unless new
  information indicates that the dispute should be removed.
  
  **** *****’s inquiry received December 28, 2021 is the first written request for verification that
  Resurgent has received from them regarding the Account. We are providing the attached Loan Agreement
  and an account summary on file as verification of debt in accordance with the Fair Debt Collection Practices
  Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. Also enclosed is a copy
  of the letter the original creditor sent to **** ***** advising that the Account had been sold. Please note
  that the Loan Agreement and original creditor’s letter show the same address that **** ***** provided in
  their inquiry.
  
  **** *****’s December 28, 2021 inquiry contains a request to cease communication with them.
  We have therefore placed a restriction on the Account so that our office initiates no further contact with the
  customer, except to respond to specific requests.
  
  I hope my response has addressed all of **** *****’s concerns. If there are any further questions,
  comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  
  
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  

  

  Business response

  01/12/2022

  January 6, 2022
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: **** *****; Case/File No. ********
  Reference Number: *********
  Dear Ms. R*****:
  
  This letter is in response to the additional concerns submitted by **** ***** dated January 5, 2022
  regarding the referenced account (the “Account”).
  
  Resurgent has reviewed **** *****’s additional concerns. From our review, we believe their
  concerns were already addressed in our response to their previous inquiry received on December 28, 2021.
  We are enclosing a copy of our previous response for review.
  
  If **** ***** believes this Account to be fraudulent, we ask that they provide a completed
  police/incident report.
  
  In addition, if **** ***** has any correspondence to/from the previous creditors or any additional
  documentation concerning their dispute, we ask that they please forward it to:
  
  Compliance Department or Fax: 866-467-0918
  ** *** Attn: Compliance
  P.O. Box *****
  Greenville, SC 29603
  
  I hope my response has addressed all of **** *****’s concerns. If there are any further questions,
  comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  
  
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  
  
  
  
  
  

• Initial Complaint

  12/27/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Resurgent Capital was reporting a collection account They Purchased from ******** Federal Credit Union correctly stating On my credit files. " INCLUDED IN CHAPTER 7 BANKRUPTCY. With a ZERO balance. Now they decided to change my reports to include "SERIOUSLY PAST DUE, SENT TO ATTORNEY, INTERNAL COLLECTIONS. With the original balance. The "INCLUDED IN CHAPTER 7 BANKRUPTCY is not reporting as it should be. This is illegal and is being reported as if they are still trying to collect or leading viewers of my credit report that the collection account is active. Resurgent Capital must report accurately by reporting "INCLUDED IN CHAPTER 7 BANKRUPTCY with a ZERO BALANCE.

  Customer response

  01/04/2022

  
  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ******* ****** 

  

  Business response

  01/05/2022

  January 3, 2022
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* ******; Case/File No. ********* ********
  Account Number: ****************
  Original Creditor: ******** Federal Credit Union
  Current Owner: LVNV Funding LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiries received December 28,
  2021 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on March 31, 2020. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******* ******’s inquiry and believe the following information will address their concerns.
  
  Thank you for bringing this to our attention. Bankruptcy records confirm that the Account was
  discharged in the bankruptcy proceeding and Resurgent will not collect or attempt to collect on the Account
  from ******* ******. A request to delete the Current Owner’s tradeline has been submitted to the credit
  bureaus; however, it may take additional time for each credit bureau to reflect this in their records.
  
  I hope my response has addressed all of ******* ******’s concerns. If there are any further questions,
  comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.

• Initial Complaint

  12/23/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Alledged debt collection The dollar amount in dispute - 1,418.52 Transaction date has been the last 6 months There was no contract signed with Resurgent or with the Creditor I am also filing a complaint with the BBB, FTC, and the CFBP I have written communication with the company in question of me asking them to validate the debt and they haven't provided any documentation that says they can collect. They sent a credit card statement which is a violation of my privacy and stated in their response that what that sent was proof of the debt. In conclusion, Resurgent is in violation of the following several FDCPA laws: 15 USC 1692g 15 USC 1692(f) 15 USC 1692e 15 USC 1692(g) (1)(2) 15 USC 1692(g)(5) 15 USC 1692a (4) 15 USC 1681n Resurgent has ignored my request. They have refused to stop their reporting from the Consumer Reporting agencies and are violating my consumer rights. The resolution I am seeking is for this account to be deleted from my consumer report within 30 days

  

  Business response

  01/14/2022

  January 6, 2022
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ****** *****; Case/File No. ********
  Account Number: ****************
  Original Creditor: ****** *** Bank, N.A.
  Current Owner: LVNV Funding LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received January 3, 2022
  regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”) currently
  owns the Account, having acquired it on October 15, 2019. Resurgent Capital Services L.P. (“Resurgent”)
  is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ****** *****’s inquiry and believe the following information will address their concerns.
  
  The Account originated on September 13, 2018 with ****** *** Bank, N.A. The last payment in
  the amount of $50.00 was received on February 10, 2019. The Account charged off on September 25, 2019
  with a balance of $1,418.52. No payments have been received on the Account since it was acquired by the
  Current Owner. The current Account balance is $1,418.52.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
  Account records, the tradeline for this Account should not be deleted; however, it is being reported as
  disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
  new information indicates that the disputes should be removed.
  
  The Account was previously charged off. Charging off an account does not satisfy the debt, nor
  does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
  the right to collect the account.
  
  The enclosed letter containing verification of debt was mailed to ****** ***** on February 23,
  2021. This Account has been properly verified as required by the Fair Debt Collection Practices Act. I have
  also enclosed the bill statements on file for the Account. Please note that these statements match the address
  on the enclosed dispute that our office received from ****** ***** on December 14, 2020.
  
  I have enclosed a copy of the Terms and Conditions on file for the Account, which state “We may
  assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights
  or obligations under this Agreement.” Additionally, please find enclosed the complete chain of assignment
  for your review, which proves ownership of the Account. Please note that this Account is not specifically
  referenced in the attached chain of assignment. A chain of assignment details the purchase of a portfolio
  containing multiple accounts, including but not limited to this Account.
  
  Our records indicate that ****** ***** has previously requested we cease communication with
  them regarding this Account. When such a request is received, a restriction is placed on the account so that
  no further contact is made to the customer, except to respond to specific requests received from the
  customer.
  
  I hope my response has addressed all of Tamika Mosby’s concerns. If there are any further
  questions, comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  Dax
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  

• Initial Complaint

  12/16/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Many attempts over the past few months, have been made to request an account history or itemization from Resurgent Capital Services for a collection account in the amount of $1915.84 Reference ID *********. As of the date of this complaint, I have not received the requested information. According to their records, I owe $1915.84 however, when I request validation or an accounting of the debt I just get several copies of billing statements which don't address the issue of the account balance. Billing statements are not acceptable because I don't dispute owning the account just the balance of the account. There is NO fraud concerning this account. According to a recently updated Consumer Financial Protection Bureau rule, debt validation should include an itemization of the current amount of the debt that reflects interest, fees, payments, and credits and I have yet to receive this information. I would like for Resurgent Capital Services to provide the requested information.

  Customer response

  12/23/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.

  
  

  Resurgent Capital Services has failed to provide the account history information requested of them. 
  
  Regards,
  ******* *******

  Customer response

  01/04/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  The company has still not provided the requested information which is the account payment history. They have not been truthful in their statement to the BBB. Resurgent Capital Services has not provided an account agreement. They have simply provided several billing statements which doesn't address my issue.
  
  Regards,
  ******* *******

  

  Business response

  01/06/2022

  December 21, 2021
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* *******; Case/File No. ********
  Account Number: ****************
  Original Creditor: *******
  Current Owner: LVNV Funding LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received December 17,
  2021 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on June 27, 2019. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******* ********s inquiry and believe the following information will address their concerns.
  
  The Account originated on July 27, 2014 with ******* and was opened with *********. The last
  payment in the amount of $82.36 was received on February 8, 2019. The Account charged off on June 7,
  2019 with a balance of $1,915.84. No payments have been received on the Account since it was acquired
  by the Current Owner. The current Account balance is $1,915.84.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. In accordance with the Fair Credit
  Reporting Act, the Current Owner’s tradeline for this Account is being reported as disputed to the credit
  bureaus. It will continue to report as such throughout the permissible reporting period unless new
  information indicates that the dispute should be removed.
  
  The enclosed letters containing verification of debt were mailed to ******* ******* on July 19,
  2019, November 19, 2019, and November 12, 2021. This Account has been properly verified as required
  by the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are providing the enclosed
  additional bill statements and account agreement on file for this Account. Please note that the balance on
  the final statement matches the current Account balance.
  
  I hope my response has addressed all of ******* *******’s concerns. If there are any further
  questions, comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  
  
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  
  
  
  
  

  

  Business response

  01/06/2022

  December 30, 2021
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ******* *******; Case/File No. ********
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the additional concerns submitted by ******* ******* dated December
  27, 2021 regarding the referenced account (the “Account”).
  
  The attached bill statements and Account Agreement were previously provided. The Account
  Agreement governs the fees and interest associated with the Account while owned by the original creditor.
  Resurgent has contacted the previous creditor regarding any additional bill statements they can provide.
  
  I hope my response has addressed all of ******* *******’s concerns. If there are any further
  questions, comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  
  Leo
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  

• Initial Complaint

  11/30/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  LVNV Funding did not provide sufficient proof within (30) days but has updated this account with the bureaus 11/15/2021. I have have filed a CFPB complaint against LVNV with proof of the all documents and letters sent to them requesting proof. L:VNV did not respond to CFPB but deleted with Experian but did not delete with Equafax and TransUnion. Refusing to follow the law I have remined them they are breaking the law and this account must be deleted. this is the final attempt I am making for them to follow the law if the account is not deleted I will litigate the company. LVNV have over 3,277 complaint with the BBB since 2018. In accordance with FDCPA 809(b) furnishing, verifying, updating is considered collection activity. and in accordance with US Code-15 Section 16819(f) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer.

  Customer response

  12/07/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  **** **** Sr.
  **** * **** Street
  **********, KY 40212
  Re: [BBB response to LVNV Account# ****************
  BBB Case No. ********
  
  Dear BBB,
  This is in response LVNV/Resurgent Capital Services BBB rebuttal, Hereafter named (LVNV).
  The information LVNV provided to me, and the BBB is unresponsive to my demands, this is my 4th violation of the FDCPA and FCRA and the 3rd demand of validated sufficient proof of (8) Items listed below:
  As per section 609, I am entitled to see the source of the information. I am requesting the following: 1.) Original contract with wet signature 2.) Pay off disclosure 3.) Interest rate disclosure 4.) Balance history 5.) Payment history 6.) Credit insurance 7.) Full and clear title 8.) How the debt was calculated.
  This information provided is not validated proof I owe LVNV $590.85 and the ****** *** documents DO NOT reflect any information that proves I owe this debt {see attachments}. LVNV continue to ignore me and violate my rights by VERIFYING this account with all (3) bureaus. I DID NOT demand them to verify.  In the 1st letter I demanded LVNV to validate this debt with sufficient proof through all (3) reporting Bureaus before any collection activity (verifying, updating, modifying with CRAs).  The 2nd Letter was sent directly to LVNV and all (3) bureaus demanding deletion due to failure to provide the information within (30) days. If they claim to have provided this validated proof, where is it? Why did LVNV not attach the documents instead of random documents? More important who or what is Dax? It’s because there is NO such document or letters proving I Owe this debt to LVNV. There is nothing they provided from ****** *** with LVNV/Resurgent Capital no contracts, no signatures, nothing I am supposed to believe I owe LVNV $590.85 because Dax reviewed it and said so? I demanded yet LVNV continue to engage in collection activity and break the law. LVNV verified this after (30) Days and providing Sufficient Validated Proof. LVNV does not make the law is obligated to provide such evidence and by not they agree with me that this debt is false.
  I demand the above especially now original contracts with original wet signatures. I demand this information within (15) days of this response to BBB and myself if you do not provide this one again you MUST DELETE, I will also send certified copies of this letter to LVNV and CRAs. Should you ignore my request for validated sufficient proof and verify this debt again I reserve the right to sue LVNV for violating my consumer rights for the 4Th  time. Not only are you damaging my character you are holding me financially hostage and obstructing the consumer ability to get answer through all (3) credit bureaus.
  Best,
  **** **** Sr.

  Customer response

  12/28/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  Re: Request to comply/ Resurgent is Unresponsive to my demand.
  

  
  

  Dear Ms. R*****,

  
  

  I do not agree with any incorrect and information DAX for Resurgent has verified. I have sent out (2) request demanding sufficient validated information. The 1st letter was sent 10/5/21 PRA failed to give sufficient validated information within (30) days which is a clear FRA violation yet that reported it with all (3) bureaus. I sent a 2nd letter demanding validated sufficient proof I owe this debt. I requested any contracts I signed with Resurgent with my wet signature and from the original creditor. Resurgent was once again unresponsive to my demand but sent deceptive erroneous documents that does not prove; (1) this debt is mine (2) that I have any such contract with resurgent or with resurgent through the original creditor. In addition, the address is not mine, I do not spell my name as the documents Resurgent has provided. These documents can be created by anyone since Resurgent refuse to share a paper trail with my wet signatures proving this is mine, yet they have continued to practice illegal collection activity against me by verifying without validated proof. (Please refer to the documents they have attached as proof) this does not bare anything that prove I owe this debt.  I do not know Dax and they should not able allowed report anything inaccurate causing harm to my life this is identity theft. The response letter Resurgent has provided to BBB is moral proof that this company think they are above the FTC FCRA laws and never plan on being honest or cooperative with me as the consumer laws demand. I have asked for my wet signature and other specific information to validate this debt or any correspondence stating I owe this debt, for more  (60) days they have violated me I ask the BBB to help me demand Resurgent to remove this item from all (3) bureau  based FTC and FCRA laws.  

   

  **** **** SR

   

  

  Business response

  01/05/2022

  December 6, 2021
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: **** ****; Case/File No. ********
  Account Number: ****************
  Original Creditor: ****** *** Bank, N.A.
  Current Owner: LVNV Funding LLC
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received November 30,
  2021 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current Owner”)
  currently owns the Account, having acquired it on May 15, 2020. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  **** ****’s inquiry and believe the following information will address their concerns.
  
  The Account originated on February 14, 2019 with ****** *** Bank, N.A. The last payment in the
  amount of $40.00 was received on September 21, 2019. The Account charged off on April 26, 2020 with a
  balance of $590.85. No payments have been received on the Account since it was acquired by the Current
  Owner. The current Account balance is $590.85.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is
  being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the
  Account records, the tradeline for this Account should not be deleted; however, it is being reported as
  disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless
  new information indicates that the disputes should be removed.
  
  The Account was previously charged off. Charging off an account does not satisfy the debt, nor
  does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
  the right to collect the account.
  
  **** ****’s inquiry states “I have have filed a CFPB complaint against LVNV with proof of the all
  documents and letters sent to them requesting proof. L:VNV did not respond to CFPB…” I have enclosed
  the response to **** ****’s CFPB inquiry, which was uploaded to the Consumer Financial Protection
  Bureau’s online portal on June 17, 2021.
  
  The inquiry also states, “LVNV Funding did not provide sufficient proof within (30) days but has
  updated this account with the bureaus 11/15/2021.” Please be advised that the enclosed letter, postmarked
  November 18, 2021 and received by our office November 23, 2021 was the first direct communication that
  we have received from **** **** and consequently the first request we have received for verification of
  debt on this Account. The enclosed letter containing verification of debt was mailed to **** **** on
  November 30, 2021. This Account has been properly verified as required by the Fair Debt Collection
  Practices Act.
  
  I hope my response has addressed all of **** ****’s concerns. If there are any further questions,
  comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  Dax
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  
  
  

  

  Business response

  01/05/2022

  December 9, 2021
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: **** ****; Case/File No. ********
  Reference Number: *********
  
  Dear Ms. R*****:
  
  This letter is in response to the additional concerns submitted by **** **** dated December 8, 2021
  regarding the referenced account (the “Account”).
  
  Resurgent has reviewed **** ****’s additional concerns. From our review, we believe their
  concerns were already addressed in our original response to their previous inquiry.
  
  I hope my response has addressed all of **** ****’s concerns. If there are any further questions,
  comments or concerns, they may contact Customer Service at 1-888-********.
  
  Respectfully,
  
  Dax
  Compliance Department
  Resurgent Capital Services L.P.
  

• Initial Complaint

  11/15/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  a week ago (Oct 21st 2021) this "collector" sent a letter via mail requesting me to pay for a debt I have with **** **** CC, from 2013. by saying they are a 3rd (or 4th) party company trying to collect from a 2nd company a debt that indeed is NOT valid, nor with the second, nor the 3rd or the 4th party. As I specified them in my response I DO NOT OWE MONEY TO RESURGENT CAPITAL SERVICES, and will not have in the future any relationship with them, since my debt was with **** **** and only with them. As an illegal practice they claim to be the owner (which I haven't seen any proof of that affirmation) of the debt, but they did not offered me any reply action to dispute the debt, simpky they say you owe us and have to pay. That is illegal since there should be a notification and a dispute option to the debt, whic in this case are NONE. As I requested, this attempt of collecting a debt is illegal, and I will file a complaint on my side since they are incurring in illegal practice. I DEMAND THIS ATTEMP TO BE DOCUMENTED AND A COMMUNICATION/LETTER FROM THE MIS-COLLECTOR APOLOGIZING ABOUT THIS "ERROR". Currently I received a second letter specifying I have 30 day to dispute, but they didn't specified since when, so I would assume it's form the first notification, leaving me only 10 days to respond or they will legally validate the debt. A TOTAL LACK OF RESPECT FOR THE LAW AND GOOD PRACTICES!!!!

  Customer response

  11/24/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  This company keeps mis-practices on collecting debts that are NOT legally owned. None of the documents presented shows the legal ownership. It's only a statement from ***** **** credit card (which I know I owe and only to them) and a bunch of letters showing they tried to contact me to collect the same debt since more than a year. Since there's no legal ownership nor demonstration on that, I will proceed to file legal actions against this miscollecting agency. On my communications I clearly expressed that my relationship is only with ***** **** and never will be with LVNV funding, resurgent or any other collectors mispracticing agency.

  Again, I DO NOT OWE THE DEBT TO ANY OTHER THAN **** ****. THE FIRST LETTER DIDNT STATED THAT I COULD DENIE THE DEBT AND THAT BY ITSELF ITS A MISPRACTICE. I HAVE THE DOCUMENTS AND WILL FILE. A COMPLAINT FOR MALPRACTICE. 
  
  Regards,
  
  ******** *****

  

  Business response

  12/09/2021

  November 23, 2021
  
  Consumer Financial Protection Bureau
  1700 G Street, NW
  Washington, D.C. 20552
  
  RE: ******** *****; CFPB Case #: ********
  Account Number: ****************
  Original Creditor: ********* Bank
  Current Owner: LVNV Funding LLC
  Reference Number: *********
  
  Dear Sirs/Madams,
  
  This letter is in response to the Consumer Financial Protection Bureau (“CFPB”) inquiry received
  November 16, 2021 regarding the referenced account (the “Account”). LVNV Funding LLC (“the Current
  Owner”) currently owns the Account, having acquired it on May 29, 2020. Resurgent Capital Services L.P.
  (“Resurgent”) is the servicer of the Account.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ******** ******* inquiry and believe the following information will address their concerns.
  
  The Account originated on February 26, 2012 with ********* Bank and was opened with ***'s
  ****. The last payment in the amount of $35.00 was received on June 21, 2015. The Account charged off
  on November 29, 2015 with a balance of $1,479.89. No payments have been received on the Account since
  it was acquired by the Current Owner. The current Account balance is $1,479.89.
  
  With its purchase of the Account, the Current Owner acquired all ownership rights, including the
  rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, however, the
  Current Owner is not reporting the Account to the credit bureaus.
  
  The Account was previously charged off. Charging off an account does not satisfy the debt, nor
  does it affect the customer’s responsibility for the amount owed. If the account is sold, the new owner has
  the right to collect the account.
  
  Resurgent, as master servicer for the Current Owner, uses third-party servicers (“Servicers”) to
  service accounts on its behalf. This Account has been placed with one or more of these Servicers since it
  was acquired by the Current Owner. I have enclosed copies of the communications that our Servicers sent
  to ******** ***** that provided them with the validation notice as required by the Fair Debt Collection
  Practices Act (“FDCPA”). ******** ***** states in their inquiry, “I received a second letter specifying I
  have 30 day to dispute, but they didn't specified since when.” Please note that the validation notices state,
  “30 days after receiving this notice.”
  
  Resurgent does not condone harassment or unprofessional communication with customers, as it is
  our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
  Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account,
  we found no evidence of the mishandlings alleged in the complaint.
  
  The enclosed letter containing verification of debt was mailed to  ************* on October 27,
  2021. This Account has been properly verified as required by the FDCPA. I have also enclosed the bill
  statements and terms and conditions on file for the Account. Please note that the enclosed terms and
  conditions state, “We may sell, assign or transfer any or all of our rights or duties under this Agreement or
  your account, including our rights to payments.”
  
  I hope my response has addressed all of ******** ******s concerns. If there are any further
  questions, comments or concerns, they may contact me via Customer Service at 1-888-********.
  
  Respectfully,
  
  
  
  
  
  Matt
  Compliance Department
  Resurgent Capital Services L.P.
  
  Enclosure(s)
  
  
  
  
  
  
  

• Initial Complaint

  10/01/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was recently notified that LVNV Funding LLC was sold to a company called Resurgent Capital Service and since then I have been getting all sorts of emails from them regarding a supposed debt that I owe. I have enlisted the assistance of ********* Law Firm and any debt from LVNV has since been removed from my credit reports but I continue to be harrassed via email and phone calls. I want this to stop and this matter should be closed.

  Customer response

  10/13/2021

  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***** ***** 

  

  Business response

  10/14/2021

  October 12, 2021
  
  Cindy R*****
  Better Business Bureau of Upstate South Carolina
  408 N. Church St. Suite C
  Greenville, SC 29601-2164
  
  RE: ***** *****; Case/File No. ********
  Reference Numbers: *********, *********
  
  Dear Ms. R*****:
  
  This letter is in response to the Better Business Bureau (“BBB”) inquiry received October 4,
  2021. LVNV Funding LLC (“LVNV”) currently owns the two accounts referenced in the inquiry.
  Resurgent Capital Services L.P. (“Resurgent”) is the servicer for LVNV in regards to the accounts.
  
  At Resurgent, we take our customer service and consumer protection obligations very seriously
  and have dedicated significant resources to our compliance-related functions. I have personally reviewed
  ***** *****’s inquiry and believe the following information will address their concerns.
  
  The first account, account number ****************, reference number *********, originated
  with ******* on June 27, 2017 and was opened with *********. This account charged off on March 11,
  2019 with a balance of $612.15. LVNV acquired this account on March 28, 2019. The last payment in the
  amount of $84.48 was received on May 24, 2020. The current account balance is $215.88.
  
  The second account, account number **************** reference number *********,
  originated with Bank of Missouri on October 9, 2020 and was opened with ***** ******. The last payment
  in the amount of $120.00 was received on February 24, 2021. This account charged off on August 31,
  2021 with a balance of $442.11. LVNV acquired this account on September 21, 2021. No payments have
  been received on this account since it was acquired by LVNV. The current account balance is $442.11.
  
  For the first account (ending in ****), upon purchase LVNV acquired all ownership rights,
  including the rights to collect on the account and to report to the credit bureaus, if eligible. Currently, the
  account is being reported to the credit bureaus on behalf of LVNV. In accordance with the Fair Credit
  Reporting Act, the LVNV tradeline for this account is being reported as disputed to the credit bureaus.
  They will continue to report as such throughout the permissible reporting period unless new information
  indicates that the dispute should be removed.
  
  For second account (ending in ****), upon purchase LVNV acquired all ownership rights,
  including the rights to collect on the account and to report to the credit bureaus, if eligible. Currently,
  however, LVNV is not reporting the account to the credit bureaus.
  
  Resurgent does not condone harassment or unprofessional communication with customers, as it is
  our goal to adhere to all state and federal laws and regulations concerning the collection of debts.
  Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the
  accounts, we found no evidence of the mishandlings alleged in the complaint.
  
  ***** *****’s inquiry states, “I have enlisted the assistance of ********* Law.” We ask that they
  provide the address or the phone number of ********* Law so that we can update our records.
  
  ***** *****’s October 1, 2021 inquiry contains language Resurgent has interpreted as a request
  that we cease communication with them. We have therefore placed a restriction on the accounts so that
  our office initiates no further contact with the customer, except to respond to specific requests.
  
  I hope my response has addressed all of ***** *****’s concerns. If there are any further questions,
  comments or concerns, they may contact me via Customer Service at 1-888-********.
  
  Respectfully,
  Leo
  Compliance Department
  Resurgent Capital Services L.P.
  
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩