Consumer complaint received 2020-05-29
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a somewhat convoluted situation for which I hope a solution may be found. I had two accounts with XXXX XXXX. 

Unfortunately I became severely delinquent with the accounts and was notified via email XX/XX/XXXX that the account would be closed. I continued to receive notifications via email that my XXXX and XXXX statements were available XX/XX/XXXX, XX/XX/XXXX. 
In addition to statements I was informed that new documents were available to me XX/XX/XXXX -May statement for account 1 and XX/XX/XXXX for XXXX account 2 XX/XX/XXXX I also recieved 2 separate emails for New Document posted account 1 I attempted to retrieve said documents from my online account but was unable to access it and a message said to call customer service which I did. I was informed the account was closed, but because I had documents available I would be allowed to access my account, they informed me that I should try again the following day. I was, and still am unable to retrieve any documents posted to EITHER account and received no written documentation as to the status of either account. I was fortunately able to pay both accounts {$2800.00} paid date XX/XX/XXXX {$790.00} converted to an ACH paid date XX/XX/XXXX. 

I accidently wrote the incorrect account numbers on the checks the {$790.00} was supposed to be for account 1, and the {$2800.00} was for account 2, as such XXXX XXXX XXXX  was paid, and ACCEPTED/CASHED the payment to them for both accounts. 

I still had not received any documentation concerning these accounts and I was still denied access online. I called customer service on XX/XX/XXXX and explained the situation, they said that the account had been charged off, but they did see that payments had been made to XXXX XXXX. I explained that charged off accounts do not mean they cant be paid, and that I paid and XXXX XXXX accepted payment. Customer service again said that I would receive documentation from XXXX XXXX Concerning the status and payment. That was the second week of XXXX. I called back on XX/XX/XXXX and again stated that I had received nothing for EITHER account and do not have access to any documents online and by consumer right, I must be given documentation demonstrating payment. I was assured that I would receive documentation. On Monday, XX/XX/XXXX I received an email from XXXX at Resurgent Capital Services that I was 3 steps away from a special offer for a sold account 1. On Tuesday, XX/XX/XXXX XXXX I received 2 letters. 

One letter from XXXX  XXXX dated XX/XX/XXXX stating that account1 had been recently sold to LVNV funding, LLC One Letter from Resurgent Capital Services, dated XX/XX/XXXX stating that effective XX/XX/XXXX, LVNV Funding LLC had placed account 1 with Resurgent Capital Services L.P. for Servicing. I have received NO information about account number 2. 

XXXX XXXX has reported the accounts as charged off and sold not paid. 

All of this is dated AFTER XXXX XXXX already accepted payment for both of the accounts. 
I sent emails to the supervisor and VP of customer service on XX/XX/XXXX and XX/XX/XXXX and placed a call to customer service which rerouted me to a foreign call service bank which said they could not help as the account is no longer theirs. I continue to get emails from Resurgent attempting to collect this fraudulent debt.

Company response to consumer: Closed with explanation