Consumer complaint received 2018-04-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Social Security Number has been stolen. The crime is going on. 

Between XX/XX/XXXX and XX/XX/XXXX I found I have some new credit cards unexpected in XXXX, my bank, but I did not request to open any new credit accounts at all and I did not receive any notice and new cards from XXXX at all. 

I was not aware of crime, I thought this is just banks mistake, or worse, my credit card information has been stolen. So I requested bank to cancel them. The accounts were cancelled finally, but crime already accomplished. 

Theft bought some goods valued {$1900.00} under credit account XXXX. I reported to XXXX and report to XXXX XXXX, XXXX. XXXX cancelled this account upon my request. I did not know if police did something for me. But theft is smart, soon after, theft opened another credit account XXXX, and transferred the balance to this new account. I found the new account and requested bank to cancel this account. Serial new accounts so annoyed me that I requested XXXX to cancel all credit accounts, and I would not use credit card anymore. Since then, I have not had any credit cards. 

The smart theft changed his/ her address to XXXX XXXX XXXX, XXXX XXXX NY XXXX which I never lived at. Unfortunately, I was not aware of it. I have never lived at XXXX XXXX XXXX, XXXX, NY XXXX. My tax return record and other letters can prove that it has not been my address. I believe that XXXX XXXX XXXX, XXXX, NY XXXX is the thefts address in XX/XX/XXXXor even now. I think it is the key point of my case. 

However, the bill still showed up on my bank statement, because the theft changed address, but did not change the bank. The theft knows that his/her crime could not keep going on because I can cancel the new accounts the theft creates in XXXX again and again. 

This time, the theft changed the bank to XXXX XXXX which I never knew. The theft succeeded. Now the crime can be going on. Late month, the attorney in law of XXXX XXXX XXXX sent me a list that indicates I owed them as much as {$7800.00} because I purchased a lot of ladys goods at a store called XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, the bill address is still XXXX XXXX XXXX, XXXX, NY XXXX. I am facing the court. The case number of court is XXXX, XXXX, XXXX. 

I requested my credit report via internet. The report told me what happened. Dear Sir or Madam, tell me how to explain to the court about case XXXX, XXXX, XXXX. 

Why did the theft open a credit account in bank so easily? Who should be responsible for my case? 

If XXXX and XXXX XXXX have confirmed the original Social Security Card, original passport, original nationality paper, original ID and original address proof when the theft requested to open credit accounts, my disaster surely would not have occurred. Why the bank clerks so neglect? The bank clerk may be under the great pressure from bank management in order to suck in more and more credit cardholder. So, the necessary procedure may be ignored. Or worse, some banks may sell off clients information to get some benefits. 

But my story does not end. The theft can use my Social Security Number to create accounts in other banks, even in banks overseas. How can I terminate my nightmare? 

XX/XX/XXXX, I reported to XXXX XXXX, XXXX, the Officer XXXX XXXX ( phone : XXXX ) took the record. He called XXXX XXXX, the jurisdiction the theft address XXXX XXXX XXXX, XXXX, NY XXXX belongs to. I heard that, XXXX XXXX know something about it. But they need full account number the thief created in XXXX XXXX XXXX  in order to identify this thief. Officer XXXX XXXX wrote down on the paper : Need full XXXX  XXXX XXXX account number to make police report Please see this attachment. 

If police catch this theft, my case will be clear. My nightmare will go end. 

However, will XXXX XXXX XXXX  tell me this account number? I do not have such an authority, but you have. Dear Sir or Madam, can I ask you to get this full account number with last four digits XXXX ( the rest part is blacked out ) and with address XXXX XXXX XXXX, XXXX, NY XXXX in XX/XX/XXXX and tell me, please? If you do not want to tell me, you can tell the police officer of XXXX XXXX above. And please have both XXXX XXXX and XXXX find out this theft based on their information around XX/XX/XXXX. 

The records I reviewed are enclosed. 

Thank you very much! 


XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. 
NY XXXX ( XXXX ) XXXX ( Home ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief