Consumer complaint received 2019-04-30
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since XX/XX/2018 I have been harassed by Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX to the point of traumatization regarding a debt they have listed on my credit report. After I filed a formal inquiry into XXXX XXXX XXXX deceptive practices and predatory lending, they sent me a nasty letter from their corporate office acknowledging the cease and desist order I provided them. My letter to them included further direction to forward my cease and desist prohibiting further harassment or contact by phone and email to any collection agencies/debt buyers should XXXX XXXX XXXX elect to sell the debt to avoid further investigation. Shortly after I received their written acknowledgment, they tacked on $ 100s of dollars in erroneous penalty fees and sold the debt to Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. As recently as today, I have been continuously bombarded with hundreds of phone calls, a litany of voicemails and constant threats of being sued in court, jailed and lifetime negative reporting to the credit agencies for the debt by XXXX XXXX XXXX/Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. 

When I called to get general information about their company, even without providing their collection agents with ANY personal information, they have been demeaning, sarcastic and truly make me fear for my life. When I call in to get general information their aggressive ill mannered collection agents make me question the ability to work through a successful bankruptcy. I have called their general service line just to get information about their company and I did not provide any specific account information, they start off pleasant and then become argumentative and keep telling me that they have already started the legal process to sue me and that it doesnt matter if I told the original creditor about my intent to file for bankruptcy. They yell at me in a caustic manner and demand that I pay them the balance or figure out my finances to resolve the debt including asking other people for money, taking out loans to pay the debt with them or telling me that they can keep the lawsuit at bay by making a payment over the phone with them. I never provided any of the phone representatives any information about my account or personal information like my SSN. Just general collection representatives that verbally assault me like Im a criminal. For nearly 9 months every single day I am sent emails from a host of collection agents operating under Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. Some of the agents include XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and almost 60 additional collection agents with different email addresses and spoofed phone numbers repeatedly calling me all day long. These agents - who I am NEVER replied to, NEVER spoken to, and NEVER provided consent to contact me using my shared employment email or employment phone number send me emails telling me that they spoke to me and want me to make the payment with them that they lie and say that I agreed to over the phone ( having NEVER spoken me ). In recent months they have increased their level of threats and have begun to falsify contact records to bolster the lawsuit that they have been threatening me with. The collection agents have been sending me emails for a few months or so now telling me that I called them or that I spoke to them on the phone and they want to go over the payment plans we discussed. I HAVE NEVER SPOKEN TO ANY OF THEIR COLLECTION AGENTS regarding any kind of payment plans or any details about my specific social security number or debt with them. I have included just ONE of hundreds of emails they flood my work inbox with, disclosing the debt to my coworkers. I am humiliated by their actions and outright lies saying that I have called them or that they called and spoke to me and talked about me providing my payment information to settle with their office. I have all of the phone records for their calls to me including all of the rapid back to back phone calls and disconnects on me, the harassing voicemails, the harassing emails from Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX and their agents and along with having to include them in my bankruptcy filing, I am working with a legal advocate attorney to determine what other options are available to me and the other customers who are experiencing the lies, threats, falsification of records and credit reporting from Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. 

I have never provided my work email address to this collection company, I have never provided my work cell phone to this collection company and I have never provided consent for this collection company to contact me using my shared inbox work email address where others have access to my emails. The company continues to send me daily emails listing my personal information, amount of money owed, as well as partial account numbers that others can use to identify me and obtain copies of my credit report or impersonate me using information obtained from the emails sent. The original creditor XXXX XXXX XXXX was provided with a written notice prohibiting any contact using phone or email and requiring contact via postal mail service only. The notice provided to XXXX XXXX XXXX  expressly explained that I did not consent to contact by them or their collection agents via any other methods. XXXX XXXX XXXX acknowledged the notice with their reply to me in written and still continued their daily harassment until selling the account and now I have petrified of the tactics being used by Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. I am called all hours of the early morning, throughout the day and well into the late night by their aggressive collection agents. They use call spoofing technology to display different phone numbers when they call but the numbers trace back to their harassment under any online search. They have called, hung up in my face, and called back to back, and back to back again. I finally had to ask my employer to change my phone number because of the harassing calls. Once my number changed, the number of emails I was getting went from 1 email from one agent daily to up to 5 emails+ in one day from several collection agents. Each branch/department of each of these collection agencies operates with reckless abandon and a complete disregard for any consumer financial protection laws in place. I am requesting a full investigation into each entity Resurgent Capital Services, LVNV Funding LLC, XXXX, and XXXX XXXX XXXX XXXX  including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue this kind of abuse.

Company response to consumer: Closed with explanation