Consumer complaint received 2023-12-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My Car Was repossessed on XX/XX/XXXX. I find out it was repossessed by a debt buyer ( LVNV Funding LLC ) who bought the debt last year. I contacted the debt collection agency handling the account ( XXXX XXXX XXXX ) on XX/XX/XXXX to see was going on. They proceeded to tell me that they bought the debt and that I needed to pay the full balance of XXXX to obtain my car and that was owed. I never received a letter saying they bought the debt. I never received a letter saying I defaulted on a payment from them which a payment plan was never established, didn't give me an option to reinstate, just that I needed to pay the full balance to obtain my car or else they will sell. 

On XX/XX/XXXX, I received a letter from them which had my name and address on the envelope but the contents on the inside which was an XXXX XXXX XXXX XXXX XXXX XXXX was someone else ( " XXXX '' for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX ). None of my information was present inside the envelope. When I contacted them on XX/XX/XXXX to tell them about what they have done they acted like it wasn't a big deal and that they would send me another notice and I would have XXXX days after that to retrieve my vehicle or they would sell it. I explained to them about what I understood the law to be and they have to follow certain rules and they brushed it off like they were following the law. I let them know that by law I was supposed to receive a XXXX XXXX XXXX XXXX XXXX ) stating how to retrieve my vehicle, impound fees, and itemized list of my personal belongings in the car which I still have not received. 

On that phone call, I requested for all of the information including contracts from original creditor that they received when they purchased the debt. They will let someone know that I was requesting that and see what they can do. On XX/XX/XXXX I received an envelope containing various letters XXXX which was the wrong information again ( " XXXX '' for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ) another letter dated XX/XX/XXXX that is a notice that states that LVNV Funding LLC purchased the debt XX/XX/XXXX and will be serviced by Resurgent Capital Services L.P. Another Notice dated XX/XX/XXXX that was a XXXX XXXX XXXX XXXX XXXX XXXX  that states the amount I am defaulted on is XXXX and that amount is due from XXXX days of the date of the notice, or my car can be repossessed. Remember my car was repossessed XX/XX/XXXX and they are barely sending me this notice that my car can be repossessed if I don't pay the defaulted amount. Again, we Never established a payment plan or payment option because I never received any letters from them. 

Another letter contained in the envelope was dated you guessed it XX/XX/XXXX which was the XXXX XXXX XXXX XXXX XXXX XXXX that they have my vehicle because I broke promises in my agreement ( No Agreement Was Established ) and that they will sell vehicle in a ( Private Sale ) sometime after XX/XX/XXXX and remember I received the envelope XX/XX/XXXX. The letter was dated XX/XX/XXXX and the postage date was XX/XX/XXXX ( I believe done purposely to pass time so they can sell and not give me many options ). 

Another letter contain in the Envelope was information containing information about the original creditor stating that my account from XXXX XXXX XXXX XXXX ending in XXXX as of XX/XX/XXXX I owed XXXX and between XX/XX/XXXX and today I was charged amount in interest XXXX. I was charged amount in fees XXXX. it also states I paid or I was credited this amount towards the debt XXXX and total amount of debt is now XXXX. 
they sent me a list of my payments and what the final payment that was charged off which was XXXX which is different from which they say I owe. They did not send me the original contracts I requested and all other information they received on the file when they bought the debt ( I feel done purposely to deny me my rights ). 

Its car was repossessed on XX/XX/XXXX and today its XX/XX/XXXX, I have still yet to receive a XXXX XXXX  XXXX from the repossession company with itemized list of my belongings. there is no information on XXXX where the repossession company is located and the debt collection company have not been abiding by the laws ( in my opinion ) and violating my rights. I tried to settle with them over the phone to accept a lower amount and they stuck to the XXXX ( even though they bought the debt for much less ) They did not give me an option to reinstate. They did not give me the full information I requested ( just selective information they chose ). I would like a full investigation into their shady practices and tactics.

Company response to consumer: Closed with explanation