Consumer complaint received 2023-10-31
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX Resurgent Capital Services, L.P.

To CFPB, I am writing to file a formal complaint against Resurgent Capital Services, L.P., regarding a series of violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Colorado state law. I believe this complaint falls under the jurisdiction of the Consumer Financial Protection Bureau, and I kindly request your assistance in resolving this matter. 

On XX/XX/2023, I sent a formal letter to Resurgent Capital Services, L.P. ( Exhibit A ), explicitly stating that I was refusing to pay and requesting that the Limited Partnership cease and desist all further communications regarding this debt. However, on XX/XX/2023, I received a letter from Resurgent Capital Services dated XX/XX/2023, which was a duplicate of letters sent to me on XX/XX/2023 ( Exhibit C ) and XX/XX/2023 ( Exhibit D ). 

Moreover, on XX/XX/2023, at XXXX XXXX  XXXX, I contacted Resurgent Capital Services, LP at XXXX and spoke with a representative who initially lied to me by stating that they had not communicated with me regarding the account. However, upon further inquiry, the representative confirmed that they had received my written cease and desist letter on XX/XX/2023. It was also confirmed that, as of XX/XX/2023, Resurgent Capital Services was legally required to cease all communications with me regarding this particular account. 

In addition, on XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, attempting to collect the same debt that Resurgent Capital Services was also attempting to collect on ( Exhibit E ). 

Based on these actions, I believe Resurgent Capital Services, L.P. has violated my rights under the following statutes and regulations : CO Rev Stat 5-16-106 section ( 3 ) ( I ) : Failure to advise me that their collection efforts have been terminated. 

CO Rev Stat 5-16-108 ( e ) : Causing charges to be made to me for communication via USPS and telephone. 

FDCPA Section 805 ( c ) : Contacting me after I requested in writing that a third-party collector cease and desist from further contact regarding an alleged debt.

Rules for FDCPA Debt Collect 1006.14 : Engaging in contact with intent to harass a person.

Rules for FDCPA Debt Collect 1006.6 ( c ) ( 1 ) : Communication with a consumer after a refusal to pay or cease communication notice. 

Enclosed with this letter, please find copies of all relevant documents, including my original cease and desist letter, Resurgent Capital Services ' correspondence, and the call recording from my conversation with their representative. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to rectify the situation, ensuring that my rights as a consumer are protected. Additionally, I would appreciate being kept informed about the progress of this complaint and any actions taken. 

Please do not hesitate to contact me if you require any further information or documentation from me to proceed with the investigation. I can be reached at XXXX or XXXX at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to a swift and just resolution.

Company response to consumer: Closed with explanation