Product: Debt collection

**Company XXXX XXXX XXXX LVNV Funding, LLC & Resurgent Capital** **Complaint : Deceptive Business Practices and Unfair Charges** I am filing a complaint against XXXX XXXX  for engaging in bait-and-switch tactics & for their refusal to close my account without imposing a cancellation fee. XXXX XXXX blatant disrespect, poor business practices, lack of empathy & incompetent customer service are clear violations of my consumer rights & the protections outlined in the Consumer Protection Act. As a result, I have initiated a lawsuit against XXXX XXXX, LVNV Funding, LLC & Resurgent Capital, and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX following the guidelines set by the Fair Credit Reporting Act ( FCRA ). I firmly believe that the named companies are at fault in this situation. I am pursuing legal damages, including punitive damages for defamation, slander, and harassment related to this unjust charge and the subsequent harassment from all above-named companies. 

I initially signed up for XXXX XXXX XXXX XXXX XXXX  XXXX plan, which promised a {$75.00} bill credit for customers using at least XXXX XXXX of electricity. During my enrollment call, I clearly stated my desire to enroll in this specific plan. However, the representative engaged in deceptive practices and enrolled me in a completely different plan. When I received my first bill, I called to inquire about the missing {$75.00} credit. I was informed that the credit for the XXXX XXXX plan didn't apply because I had only been with the company for 24 days during that billing cycle and had not met the XXXX threshold. At no time did they mention that I had been signed up for a different plan than what I had requested. I was assured that after a month, there would be no issues. When the second month 's bill arrived, there was still no credit. Upon calling again, I was told, " Sir, it looks like you don't have the plan you're referring to ; it shows that a different plan was assigned to you. '' I learned that I could not switch plans because I was outside the 30-day window. I requested to speak to a manager, and was told someone would call me back within 72 hours, but I never received a call. I called multiple times seeking a legitimate mailing address, but I was only provided with a XXXX XXXX XXXX which is insufficient for my needs, as I require a proper address to send legal documents via certified mail to ensure proof of delivery. Each time I attempted to send documents, they were refused and returned to me. Since my interactions in XXXX and XX/XX/XXXX, I have made no progress. As of XX/XX/XXXX, XXXX XXXX engaged LVNV Funding, LLC, and without any prior communication, they reported defamation and unjust collection actions on my credit report, damaging my credit score and reputation. I attempted to reach out to LVNV Funding twice but was only able to discuss the matter with their management party, Resurgent Capital.

These unlawful and unfair charges violate my consumer rights and breach the law, according to FCRA and Consumer Protection laws. The bait-and-switch tactics employed without proper communication and consent constitute a breach of contract, nullifying any attempt to charge me for these deceptive practices. 

I demand that LVNV Funding, LLC, Resurgent Capital, and XXXX XXXX cease and desist immediately. All charges must be waived, and all attempts to collect on any account must be terminated at once. If these issues are not promptly addressed, I will continue to pursue a civil lawsuit against all parties involved. I will seek punitive damages and recover all legal costs to the fullest extent of the law. Any slanderous actions will be addressed by sharing this entire message across all social media platforms. Additionally, I will be posting this message as a XXXX review, filing a XXXX complaint against all parties involved, and consulting with multiple law firms regarding the activities described here.