Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

I sent 2 validation letters to the dispute division of RESURGENT/LVNV FUNDING ( Resurgent Capital Services L.P ) via certified letter on XX/XX/XXXXXXXX  for information/validation of the 2 debts they claim I owe to them ( in pursuit of my rights under the Fair Debt Collection Practices Act, 15 USC 1692g ), requesting the information below : Why RESURGENT/LVNV FUNDING thinks I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name, address and phone number of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred, the original contract with my wet signature. When RESURGENT/LVNV FUNDING identifies the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If RESURGENT/LVNV FUNDING is asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when RESURGENT/LVNV FUNDING obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount RESURGENT/LVNV FUNDING are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Has RESURGENT/LVNV FUNDING made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about RESURGENT/LVNV FUNDING authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 


RESURGENT/LVNV FUNDING sent back to me a badly scanned bill from another company and has not provided any of the information I requested. 

After this attempt to request information and validation from RESURGENT/LVNV FUNDING, I filed a dispute with the credit bureaus online letting them know of my attempts to request information and validation from RESURGENT/LVNV FUNDING and how I had not received what I requested and that the debt should be removed. It was reported by the Credit Bureau as 'Meets requirement of the Fair Credit Reporting Act '. 

I have disputed this 2 other times and am getting ready to dispute a 3rd time : -XXXX  XXXX  to XX/XX/XXXX XXXX XXXX to XX/XX/XXXXXXXX  RESURGENT/LVNV FUNDING continues to updated the balance every month, marking this as a past due collections account. I do not have an account with I sent 2 validation letters to the dispute division of RESURGENT/LVNV FUNDING ( Resurgent Capital Services L.P ) via certified letter on XX/XX/XXXX for information/validation of the 2 debts they claim I owe to them ( in pursuit of my rights under the Fair Debt Collection Practices Act, 15 USC 1692g ), requesting the information below : Why RESURGENT/LVNV FUNDING thinks I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name, address and phone number of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred, the original contract with my wet signature. When RESURGENT/LVNV FUNDING identifies the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If RESURGENT/LVNV FUNDING is asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when RESURGENT/LVNV FUNDING obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount RESURGENT/LVNV FUNDING are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Has RESURGENT/LVNV FUNDING made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about RESURGENT/LVNV FUNDING authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 


RESURGENT/LVNV FUNDING sent back to me a badly scanned bill from another company and has not provided any of the information I requested within the 30 days. 

After this attempt to request information and validation from RESURGENT/LVNV FUNDING, I filed a dispute with the credit bureaus online letting them know of my attempts to request information and validation from RESURGENT/LVNV FUNDING and how I had not received what I requested and that the debt should be removed. It was reported by the Credit Bureau as 'Meets requirement of the Fair Credit Reporting Act '. 

I have disputed this 2 other times and am preparing to dispute a 3rd time : -XXXX XXXXXXXX to XX/XX/XXXX XXXX XXXX to XX/XX/XXXXXXXX  RESURGENT/LVNV FUNDING continues to update the balance every month, marking this as a past due collections account. RESURGENT/LVNV FUNDING has yet to provide any of the information requested or validation that I owe this debt. I do not currently or have ever had an account with RESURGENT/LVNV FUNDING. 

Additionally, RESURGENT/LVNV FUNDING has repeatedly harassed me by calling from numerous numbers, leaving voicemails, and sending texts. XXXX XXXX has deemed RESURGENT/LVNV FUNDING as SPAM and measured them as a Medium Risk and High Risk and automatically blocks these calls, sending them to voicemail. 

I do not have an account or have ever had an account with RESURGENT/LVNV FUNDING. 

On XX/XX/XXXX at XXXX, I received a text message from Resurgent Debt Collector saying I would receive messages via text. I replied 6 times to that number via text that I didn't opt in. I had not agreed to receive texts at all from RESURGENT/LVNV FUNDING to begin with. On XX/XX/XXXX I began to receive text messages from RESURGENT/LVNV FUNDING regularly that my current account status needs attention, to learn more about my accounts current status and ways to resolve my account. At this time, I have received 17 text messages from RESURGENT/LVNV FUNDING. Again, I do not have an account or have ever had an account with RESURGENT/LVNV FUNDING. 

All call logs and text logs have been attached to this case as proof.