Consumer complaint received 2017-05-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   XXXX ,  XXXX  To whom it may concern : I would like to file a complaint on  XXXX  Collection Companies, LVNV Funding LLC, and also, RESURGENT CAPITAL SERVICES. These  XXXX  collection Companies have placed  XXXX  collection accounts on my credit files that I do not owe.   In the past, I had, had  XXXX  credit card accounts with  XXXX   XXXX    XXXX   XXXX    XXXX , and  XXXX   XXXX  fraudulently charged off and closed my credit card accounts in  XXXX  of  XXXX .     These accounts should not have been charged off because I made my payments. I paid a little over the required amount of requested payments that the  XXXX   XXXX  representatives told me by telephone that I owed for  XXXX   XXXX .   My payments for all three accounts was paid online at the  XXXX   XXXX  website, on  XXXX   XXXX , when the payment due date was for  XXXX   XXXX   XXXX .          XXXX   XXXX  accepted my three payments on  XXXX   XXXX ,  XXXX , reassuring me that everything was okay with my accounts, and all   XXXX   accounts were open, and then they lied and turned around and charged off my  XXXX  accounts in  XXXX  of  XXXX .     In  XXXX  of  XXXX  I could not access my  XXXX   XXXX  online accounts, this is the way I had always made my payments, I could not access the online accounts, because they no longer existed.     For years I fought  XXXX   XXXX  because they closed my accounts and they should not have, they closed my accounts that I had made payments on, and accounts that I was not even at my credit limits.   And worse of all they closed the card that I had, had with  XXXX   XXXX , a card that I had, had prior to   XXXX    XXXX  taking over  XXXX   XXXX , and this card I was not at, or over my credit limit. They took my money, and didnt even give me the credit for it, they just charged off my accounts the month after they took my  XXXX   XXXX  payments.     I am  XXXX , and I had contacted  XXXX   XXXX  in  XXXX  of  XXXX  letting them know that I had been very ill, and they claim that they were assisting me by putting my  XXXX  credit card accounts into their Specialty Assistance Program, in which I would not be due any payments till  XXXX  of  XXXX , and the only charges that would be going onto my accounts was the small interest amount that would be tacked onto the account each month, until my payments started back up again in  XXXX  of  XXXX .       It turned out that they lied to me, they were not working with me at all, what they did was to add all sorts of charges and fees to my accounts taking them up to higher balances, they did not put my accounts into that Specialty Assistance program, as they had claimed, but when I would call them regarding statements that I had been receiving they claimed that everything was good with my accounts, I was in that program, and I didnt have anything due until  XXXX  of  XXXX .   The card with the lowest credit limit, I had, had that credit card for years, this was a credit card that I had, had from  XXXX   XXXX , I had, had the card for years, prior to   XXXX    XXXX  taking over  XXXX     XXXX  , and then they ruined everything with my card, they closed it, even though my account was below limit, and I was up to date on my payments.     I had complained to the BBB ; the credit bureaus and the Federal Trade Commission, for the last  2  plus years, because  XXXX   XXXX  was not reporting the fact that I had made three payments to them on  XXXX   XXXX  of  XXXX , and they were trying to hide the fact that they fraudulently closed my  XXXX  credit card accounts after taking the money that I had paid to them on  XXXX   XXXX   XXXX .     Well  XXXX   XXXX  is now trying to absolve themselves of the fraud that they had committed with my  XXXX  credit card accounts, they have completely removed my  XXXX   XXXX   XXXX  accounts from my credit files.     And what I have now found is that this shady LVNV Funding LLC and RESURGENT CAPITAL SERVICES, has placed my  XXXX  fraudulently closed   XXXX    XXXX  accounts in collections, thereby ruining my credit, with accounts that  XXXX   XXXX  should not have closed in the first place, because I had paid on them, and I wasnt over limit, and all of the bogus charges that  XXXX   XXXX  has place on the accounts, is what has the balances showing what they do, I dont owe that money.     I have not had any business with  XXXX   XXXX  since  XXXX  of  XXXX , when they fraudulently charged off my  XXXX  credit card accounts.     And these  XXXX  lying companies,  LVNV Funding LLC/  RESURGENT CAPITAL SERVICES, has placed on my credit files that I have  XXXX  collection accounts with them for  XXXX / XXXX / XXXX  for the fraudulent  XXXX   XXXX  charge off accounts, that  XXXX   XXXX  fraudulently Charged off in  XXXX  of  XXXX .     Neither of these companies has ever contacted me, they just illegally placed this fraudulent information on my credit files regarding these fraudulently charged off  XXXX   XXXX  charge of accounts.   I want these companies to remove all of this derogatory fraudulent collection information that they have placed on my credit files.     And I want them to make sure that the credit bureaus puts back the same number of points onto my  credit score  that they took off for this fraudulent information.   And I want written proof on LVNV Funding LLC and RESURGENT CAPITAL SERVICES letterhead that this has been done. And I want all of the fraudulent information that they have in their files regarding these fraudulent  XXXX   XXXX  Accounts removed, and I want written proof that that has been done.     And they better not ever in life come at me with this fraud again, I am going to also consult with an attorney, because they know that they are lying when they claim that I have a collection with their companies as of  XXXX / XXXX / XXXX  due to   XXXX    XXXX , these collection companies are trying to re-age these fraudulent  XXXX   XXXX  accounts on my credit files, when they fully know that  XXXX   XXXX  fraudulently charged off my accounts in  XXXX  of  XXXX  over 2 years ago.     They dont have a right to place whatever lying collection date that they want to throw out there.   And this was the last straw with  XXXX   XXXX , I will surely consult with the attorney regarding what they have done.     I am going to see if there is also anything that the Attorney Generals office can do regarding all   XXXX    of these companies.     I am writing to the Consumer Financial Protection Bureau, because if there is anything you can do regarding these companies business practices, I would surely also appreciate your assistance.

Company response to consumer: Closed with explanation