Consumer complaint received 2018-10-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/XXXX, I received a collection letter from a company called XXXX XXXX demanding a payment of {$980.00}. I immediately called but was told that the account was transferred to Resurgent Capital Services ( Ref # XXXX ). I contacted Resurgent to inquire about the nature of this debt. They claimed that they did not have any information other than the amount of the debt due and demanded payment or they would report me and damage my credit. 

Since I am 100 % confident the account balance is {$0.00}, I asked them to please provide validation of debt. I asked that a copy of my signed receipt and statements be sent to me for review. I have sent 2 requests to both their addresses just to make sure that someone would respond. 

First request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Second request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX SC XXXX No response. Instead on XX/XX/XXXX, I received another demand letter from Resurgent demanding immediate payment of a debt I know nothing about. 

On XX/XX/XXXX I sent a second request ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) asking for validation of debt. I asked to receive a copy of my statements and a copy of the signed receipt showing the alleged debt. Again no response. 

For the past 9 years I have been trying to build my credit and it is very important for me to continue to do so. I have my statements from XXXX XXXX the issuing bank- and I have proof of all my payments being done on time. 

In XX/XX/XXXX, I called XXXX XXXX and asked them to close my account, however the operator convinced me to keep it open and promised to take off the annual fee if I do so. Her words to me were closing it would lower your credit score, Ill remove the fee so you can keep it open for the coming year and increase your credit. 

I literally left the card at home because I didnt want to use it any more. I never received any statements from them after this phone call and since I did not charge any purchases, I didnt find it odd not to receive a statement. Many credit cards/banks dont send out statements when there are no charges. 
My last activity with XXXX XXXX was in XX/XX/XXXX. 

I did not hear anything from them for a year and suddenly I get a collection notice. Basically threatening me to pay now or they will ruin my credit. 

Can you please let me know what I can do to protect myself? I have called and spoken to them. They are very rude and not helpful at all. They keep telling me that they will mail me the validation of debt but they dont. I have waited for them for 2 months and still no response. 

This account is paid in full and has not been used for more than a year. Therefore, I am disputing all the charges and claims.

Company response to consumer: Closed with explanation