Consumer complaint received 2022-03-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Noticed a new collection account from LVNV on my credit report. I hadnt received a notice from anyone regarding LVNV. This was XX/XX/XXXX. Finally on XX/XX/XXXX, I received a letter from a company called XXXX XXXX XXXX XXXX XXXX XXXX in my former/married name regarding the information about LVNV. Original creditor was XXXX XXXX and a dollar amount listed. I submitted a dispute letter to XXXX XXXX XXXX on XX/XX/XXXX using the CFPB recommend dispute letter. I requested everything such as a copy of the last statement from XXXX to save myself time and money since I am a first responder in this fight against Covid. I waited and waited for a response letter from XXXX XXXX XXXX but I never received a response. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX regarding the same information addressed in my former name and stating they were collecting a debt on behalf of LVNV. Original creditor was XXXX XXXX. Again on XX/XX/XXXX I sent a dispute letter in the same format asking all the same questions to save time to XXXX XXXX Credit Bureau. At this point I felt that LVNV was playing a game and wanting to waste my time. Harassment/Bullying would be more of a true statement. During the process timeframe waiting for a response from XXXX XXXX XXXX I became Ill with XXXX XXXX variant. After regaining my health I had a letter from a company called XXXX XXXX XXXX. The date on the letter is XX/XX/XXXX but theres never a postmark date so I honestly can not tell you the date it arrived to my actual address. This was the response letter to my dispute letter and I was totally upset after reading this letter. It didnt tell me anything I didnt already know. Everything I have done regarding the CFPb instructions landed me in the same predicament with no answers to the dispute letter I sent to XXXX XXXX XXXX. I requested a statement for validation then they asked if I would send them the information. It was too late to respond because the timeframe had passed me by when I was so ill. I had to cool off before I sent this complaint to your office and I wanted to know more about LVNV. I counted over 5000 complaints on your website many with my same situation. I read a letter in the XXXX XXXX regarding the owner bragging how much money his collection companies have made during the Covid Pandemic. 
This is not right during Covid he kicks consumers when they are struggling with their health, finances, unemployment or even during death. I have been in the frontline and its not fun and I have lost many friends and family members. This is injustice that a debt collection company can and has gotten by with their tactics. Not one lawsuit from FTC or CFPB. I called XXXX on XX/XX/XXXX after speaking to 3 individuals XXXX was able to help me. She tried to find my account but it was almost 4 years old and she looked it up by the address, phone number while I was living at the address, my SS # and account number. Theres not a record showing I owe money nor do I have a charge off account. XXXX works in the financial department and the phone number I called is XXXX time of call was XXXX pm. I also called CFPB and spoke at length with a nice gentleman who kept telling me to file a lawsuit. I will not file a lawsuit we have too much trouble with those issues as it is and it is your responsibility to hold the debt collectors accountable. If not during Covid I would not feel so insistent to request you investigate my complaint and look at all the other complaints in more detail especially the timeframe regarding XXXX XXXX XXXXLVNV. Bragging in an article about collecting money for 3rd party debt during a pandemic is not kosher. Its inhumane. Preying on the sick unemployed and those family members who may have passed. I will have all my details attached and I apologize for my rant but I am caregiver and I will protect those who have been treated unfairly as I have. 
Please note all of these correspondence letters are prior to the effective date of the new ruling regarding 3rd party debt collectors. Covid rules should apply due to dishonesty on this companys part. There should not even be favoritism.

Company failed to : 1. Did not Wait before reporting to credit reporting agency XX/XX/XXXX report date XXXX. XXXX XXXX XXXX did not respond to my dispute letter. 
XXXX. Dispute response letter received but information was already established and the letter was completed by XXXX XXXX not XXXX XXXX XXXX which is deceptive practice. Company did not verify account was mine nor did they supply evidence of proof. 
XXXX. I spoke to XXXX who verified there is not a balance owed or a change off account. 
XXXX. Deceptive practices during XXXX. 
Please review my complaint with care. I appreciate your help with this matter Reference ID : XXXX Resurgent Capital for LVNV Funding LLC

Company response to consumer: Closed with explanation