Consumer complaint received 2021-02-15
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XXXX I opened a credit card account with XXXX XXXX XXXX  XXXX XXXX  with an initial credit limit of {$300.00}. XXXX. After my first XXXX to XXXX months of paying on time they raised my credit limit to {$750.00}, after paying it off I noticed extra charges on the credit card and reported it to XXXX XXXX XXXX XXXX XXXX. The person I spoke to said the charges were mine and I told him to turn off the credit card. I continued making payments but I kept seeing new charges on my statement. I called and complained again and the person said it would be taken care of. By not doing what they said they harassed me. 
They contacted a relative who told them I didn't live there and we were estranged. They were told that I don't live there and they should not contact them again or he would consider it harassment and turn it over to the attorney general. He was told his address would be stricken from any form of contact. For the last couple of years he has since been receiving mail in my name along with a court summons. This is in violation of The Fair Debt Collection Act. I feel they knowingly sent collection letters to humiliate me as a form of harassment. 
In XX/XX/XXXX I called again when I was getting ready to buy my home and seen it was on my credit report, I tried settling with them and they said they would only take the full amount due. I then explained what had happened but they wouldn't listen this is harassment. Since then it has fallen off of my credit report, but on XX/XX/XXXX it reappeared on my credit report under LVNV Funding LLC and the amount owed had jumped to {$1100.00}. In XX/XX/XXXX I called LVNV Funding and tried once again to settle this account by either payments or a cash lesser settlement amount at that time I gave LVNV Funding my current address and phone number. LVNV Funding declined saying they would only settle for the amount of {$1100.00}. This again is a form of harassment. 
In XX/XX/XXXX I found out from a relative that they had a letter from a law firm addressed to me at their residence. I had them open it for me and it was an advertisement of a law firm wanting to represent me for my court case on XX/XX/XXXX XXXX.I never received a notice from LVNV Funding about this issue. The court case was filed in XXXX XXXX XXXX, Missouri. I live in XXXX XXXX Illinois, a XXXX difference and a place I haven't lived in about XXXX years. This is again a form of harassment. 
I took off of work for the court date and drove there to find out that LVNV Funding had dropped the lawsuit on XX/XX/XXXX without prejudice. This has been a form of harassment for many years they will not work with me and keep holding this fraudulent debt above my head for almost eleven years. I feel like this court date is another form of harassment because they know I don't live there and by dropping this case and making me miss work is harassment. Then receiving the cancellation of the case by letter after the court date at the wrong address is harassment.

Company response to consumer: Closed with explanation