Consumer complaint received 2023-08-31
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To Whom It May Concern : I am writing to file a complaint against Resurgent Capital Services for violating the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/XXXX, I received a notice through email from Resurgent Capital Services stating that they had acquired a debt from XXXX XXXXXXXX XXXX. The letter was sent to my personal email address. 
I sent a cease and desist letter by email to Resurgent Capital Services on XX/XX/XXXX, requesting that they stop contacting me by email and to cease any and all communications. I also opted out of the use of my personal email address for debt collection purposes. 
" The notice sent to the debt collector also indicated some clear FDCPA violations. These violations include violations of the Fair Debt Collection Practices Act ( FDCPA ), 12 CFR 1006.6 ( d ) ( 4 ) ( ii ) ( C ) ( 4 ), specifically 15 U.S.C. 1692c. 
I believe that these violations of the FDCPA entitle me to civil penalties of {$1000.00} per violation. I am requesting that the CFPB assess these penalties against Resurgent Capital Services. '' Resurgent Capital Services acknowledged receipt of my cease-and-desist letter on XXXX XXXX XXXX, but they continued to contact me by email. They also sent me text messages on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They also called me on XX/XX/XXXX and XXXX. 
I have never authorized Resurgent Capital Services to contact me by email or text message. Their continued contact with me is a violation of the FDCPA. 
Specifically, Resurgent Capital Services has violated the following provisions of the FDCPA : Section 1692c ( a ) : This section prohibits debt collectors from contacting consumers by means that the consumer has indicated they do not want to be contacted by, such as email and text message.

Section 1692d : This section prohibits debt collectors from engaging in any conduct that would be considered harassment or abuse, including contacting you at work if you have told them not to, contacting you at unusual times, or contacting you if you are represented by an attorney. 
Section 1692e ( 10 ) : This section prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of a debt, including lying to you about the debt or trying to collect a debt that is not legally owed. 
Section 1692f : This section prohibits debt collectors from engaging in any unfair or deceptive act or practice in connection with the collection of a debt, including contacting you if you have sent them a cease-and-desist letter. 
I am requesting that the CFPB investigate this matter and take appropriate action against Resurgent Capital Services. I am also requesting that the CFPB require Resurgent Capital Services to stop contacting me and to reimburse me for any damages I have suffered as a result of their violations of the FDCPA. 
I believe that Resurgent Capital Services has violated the FDCPA in 11 instances, and I am requesting that the CFPB assess civil penalties of {$1000.00} per violation, for a total of {$11000.00}. 
It should be noted on XX/XX/XXXX, a second notice was sent giving the company additional time to acknowledge and cure with no avail. 
I am available to provide any additional information that you may need. 
Thank you for your time and attention to this matter. 
I will attach correspondence from debt collector confirming receipt of cease and desist letter. I can also provide logs of emails, text messages, and calls.

Company response to consumer: Closed with explanation