Consumer complaint received 2022-07-15
Company: Resurgent Capital Services L.P.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We were not served with court papers 2 even know we had a lawsuit against us The only paperwork I got was the paperwork that was supposedly sent to my employer payroll department. Supposedly the 1st time they served us with paperwork was in XXXX of XXXX that case was closed it says.And then they filed for continuous of garnishments in XXXX of XXXX do u file a continuous garnishment that has never happened the 1st garnishment they illegally took was on XXXX XXXX top of it I asked when the original debt was and I was told on the phone XXXX that was the 1st time the second time the the collection agency told me they don't know when the original debt was occurred so then I asked when they bought the debt and I was told XXXXAnd then they have filed continued garnishments threw 3 different county 's is wht I'm seeing on the i portal.And then when I told her we want to dispute the charges she tells me I have to write and mail the dispute 2Resurgent Capitol Services out of XXXX SC.I go to the site and it's states its LVNV the 3rd party collection agency that is garnishing his wages and Resurgent Capital services and at the bottom of the site it says they are a collection agency trying to resolve disputes or collect a debt.that was owed.The paperwork filed 2 payroll for wage garnishments is the ones u can download off the internet.And anouther red flag they have the same clerk of district in all three county 's XXXX, ,XXXX  and XXXX XXXX on the continued garnishment and the sane judge the paperwork we have don't look legal .The 1st time we found out about the 3rd party collection agency was when we received the copies of paperwork they sent to the payroll dept in XXXX or XXXX it was signed on the XX/XX/XXXX it says it was filled on the paperwork on XX/XX/XXXX but the cover letter from LVNV says XXXX XXXXWhen I asked the collection agency if they could send me copies of all the papers we supposedly received she told me I could get them from court records or hire legal representation.So on top of us disputing the CC I'm positive we are past statue of limitations to collecting this debt.And they are charging us for post judgement interest.The amount on the garnishment is different then wht they reported 2the credit bureau without notifying us they reported it to them.So much that idk wht I should do.They took the 2nd garnishment of 25 % on XXXX problem is he worked as an essential employee all threw the pandemic why did they have problems in XX/XX/XXXX with trying to garnish.And then file 2 years and almost 2months later from the 1st time.And we have lived on XXXX XXXX XXXX over 15 years and the outher address they had was his dad 's address at XXXX XXXX and his dad had lived there over 20 years.So I'm not sure why we were never served with paperwork. And we never received the 5day letter telling us who the original debt was from how much the debt was or actions to dispute the charges.When I asked LVNV how much the original debt was she told us under {$900.00} @ they are trying to coloect over $ XXXX help.Thank You XXXX XXXX

Company response to consumer: Closed with explanation