Consumer complaint received 2021-04-23
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About one month ago I noticed that there was a negative account on my credit report. I called Experian credit reporting agency to question and dispute the account because I did not recognize the account under LVNV FUNDING LLC. After speaking to the Experian agent on the phone, She was able to explain to me that it belonged to an original count called XXXX XXXX XXXX for a {$300.00} credit card that I had used years back. She recommended that I call LVNV FUNDING LLC directly to communicate an agreement of payment on the account and to request to have the negative statement removed from my credit report after payment. When I called them I spoke to someone and we came to an understanding that the {$610.00} Charge was from the original {$300.00} Credit Card. I explained to her that I wanted to dispute the {$610.00} charge and she offered the half settlement of the amount. I explained to her that the purpose of my call was to have the negative account removed from my credit report and that I would make the payment of {$300.00} But only if it would be removed from my credit report. She explained to me that I would be able to do so by creating a account at their website called : www.portal.resurgent.com. After logging into the website, I created an account and saw the details of the account and payment options on the primary page it explains that If your account is currently reporting to the credit reporting agencies when your payment resolving this account is processed a request will be submitted to the credit reporting agencies within 30 days to delete the trait line associated with the account if this account has not yet been reported to the credit reporting a to seize at the time your payment resolving this account is processed it will be reported. This was for the payment amount of {$610.00} When clicking on view more account information it displays other payment options such as scheduled payments or paying half the Balance. The statement noted above about deletion of negative Information on my could report did not appear on this page for half payments. I called back to express this concern to another LVNV FUNDING LLC agent or and request to speak to a supervisor or a manager because the agents were not able to send a letter or an email with the statement of removal or deletion of the negative statement on my credit report. After speaking to a Supervisor at LVNV FUNDING LLC Regarding my concerns and request they stated that sending a letter with the company letterhead and/or an email is not a practice that their company uses and stated that it is listed on the primary page of the account that I log in to. I expressed to the supervisor that that statement only applied to the full balance payment which was {$610.00} and that was the original balance that I was disputing in the 1st place. I also ask why there was a balance of {$610.00} when I only had a credit limit of {$300.00} on the credit card in the 1st place. She could not explain why it appeared that way and stated that was The initial reason why they offered for me to pay half of the bill to satisfy the account. I expressed to the supervisor that it was a concern that I would pay the bill and the native statement would not be removed from my credit report and that I would not make a payment until I received a letter or an email from someone affiliated with the company and had not heard anything from them since. I called experience to dispute the charge and to show proof of the bill belonging to me. A few days later I received a letter from XXXX XXXX XXXX XXXX. Displaying the exact same information has resurgent affiliated with LVNVFUNDING LLC. XXXX XXXX XXXX XXXX Is the payment business that collects the actual payments. I first Spoke to XXXX And expressed my concerns of making a payment and requested to have a letter from the company or an email expressing the deletion of the negative statement on my credit report. XXXX then stated that they only take payments and do not make the agreements of deletion of statement from your credit report which can only be done by someone in management at : LVNVFUNDING LLC. When I called LVNVFUNDING back and express to them my communication With XXXX at With XXXX at XXXX XXXX XXXX XXXX. I was then told that it was actually their responsibility where XXXX work and that they would for the call back to XXXX XXXX XXXX XXXX I was then told that it was actually their responsibility where XXXX work and that they would for the call back to seek XXXX XXXX XXXX XXXX. I then was connected to someone by the name of : XXXX XXXX And expressed to her all of the details of my request to make a payment and a have the negative statement and move from my credit report but only after I was emailed or mailed and let her with the agreement of my conversation and the details of the deletion of this negative statement from my credit report was made 1st. LaquishaPlaced me on hold to speak to her manager to a quest to do so. After having me on hold for up to 15 minutes we both agreed that she would call me back after she spoke to her manager or the process was done and for me to verify if I received the email.This did not happen and I called back the very next morning after speaking with her again regarding the same subject she was able to get someone from management to send me an email titled inquiry.This email basically had a Statement of the high balance of {$610.00} and that I would be making a payment to the account and had until the end of day of : XXXX or the agreement would be Null & Voided. I immediately replied back to whomever sent the email to me and in the email stated that the email I received it not have any of the conversation of the original agreement of me making the settlement payment of {$310.00} in addition to removing the negative statement from my credit report within 30 days after payment. The next morning I received a phone call from XXXX XXXX XXXX XXXX And was connected to a manager by the name of XXXX XXXX. I explained to him the concerns of the email I received from the company he worked for and my reply back to the email and ask if he had received it. He said it no he did not and I requested for him See if he could located from whomever sent me the email originally so that way we could cover all the details. After doing so he stated that I had XXXX options. 
1. pay the full balance and get a record of for payment on my could report without deletion.

2. Pay have the balance and it would be noted as a Settlement payment.

3. Make no payment at all and this company would move forward with other actions to collect the debt. 

Then XXXX asked me was there anything else that he could help me with I expressed to him " NO '' there was not, and I think I'm for his time and we both hung up the phone.

Company response to consumer: Closed with explanation