Consumer complaint received 2023-07-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In XX/XX/XXXX, I received a few emails from a company called XXXX, Outlook had automatically filtered the messages as spam and thus I had not seen them until I was cleaning my email out while recovering from XXXX the month prior. I was able to recover XXXX of the emails the first was from XXXX XXXX on XX/XX/XXXX and the XXXX email was on XX/XX/XXXX from XXXX XXXX. Upon opening one of the messages I realized it was a debt collection company citing they work with another company called LVNV Funding attempting to contact me about an account from XXXX. As I know it can be very dangerous to a person 's credit report to respond to these communications, I did not respond to any of these emails as I did not want it to be assumed I was claiming ownership of the debt. I instead scrolled to the bottom to unsubscribe from all future communications. At the bottom of the communication, I noticed an extremely vague message regarding the " use of your information '' and decided to review the privacy policy as well as unsubscribe. The privacy policy indicates that basically all of your data will be tracked and collected in a database, I have downloaded a copy of the privacy policy as it is currently for the explicit purpose of filing these complaints. I feel that a debt collection company should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, browser type and language, Internet service provider, type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), uniform resource locator ( URL ) information ( showing where you came from or where you go to next ), email open rates, credit card, or bank account information '' - simply by opening an email. Furthermore, they should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, location of use, browser type and language, Internet service provider ( ISP ), type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), or uniform resource locator ( URL ) information ( showing where you came from or where you go to next ) '' just by visiting their website ( especially when they are in my case attempting to request communication to be discontinued and/or reading their privacy policy ). This much information should not be allowed to be collected without first clearly notifying a person and giving them the option to decline this information from being tracked beforehand. The only reason I went proceeded to read the full privacy policy is because I took a XXXX XXXX class and therefore have a small bit of knowledge about the shady tactics used by companies to attempt to obfuscate information from consumers and/or dance on the borders of the legal system. This is not information that the average person possesses and the reason it should not be legal. The XXXX email was apparently triggered because I failed to complete all of the steps to unsubscribe from email communications which I then completed on XX/XX/XXXX. Additionally, the emails themselves bait a consumer into going to the debt collectors website by not including all of the account information in the email communication itself and only offering links to their website listed as " View My Options '' or " Dispute '' - so you are forced to visit their website where they will steal any and all possible information they possibly can from your device in order to obtain more information about whatever account they list. Also, the account number at the bottom of both emails from XXXX is different from the account number listed for LVNV Funding and Resurgent Capital Services ; which can also cause confusion on the consumer 's part when there are XXXX debt collection companies all working together simultaneously to collect 1 debt that is also past the statute of limitations. As a result of all of this later that day I decided that I needed to draft a formal cease and desist letter which was sent on or about XX/XX/XXXX and I have retained signed copies for myself I sent one to XXXX and one to LVNV Funding. Today XX/XX/XXXX I have now received 2 letters in the mail, now a 3rd company called Resurgent Capital Services also claiming to work with LVNV Funding attempting to collect the same XXXX ; according to their letter soon to be XXXX XXXX XXXX debt as of XXXX of this year. The letters allege an inquiry was submitted about this debt which is the exact opposite of what I have been asking. I am starting to feel that I will now be harassed by LVNV Funding via the use of other companies under their umbrella which whom I have not individually written cease and desist letters because I do not know who they all are. The only communication I should have received is confirmation of the cease and desist request which should cover all partner companies. The cease and desist letters which have also been included show that I did not request any information regarding the alleged debt either. I simply want to have all forms of physical, electronic, and telephone communication with myself, friends, family, and employers stopped.

Company response to consumer: Closed with explanation