Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/24 I was served with a civil lawsuit at my parents house ( I do not reside there- was there to pick up my baby after work ). I sent a debt dispute/validation letter on XX/XX/24 to lvnv funding and the attorney who filed suit. They both received via certified mail with return receipt on XX/XX/24. I specifically stated I wanted all monthly statements while acct was open, name and address of original creditor, proof they're legally allowed to collect the debt, asked if they purchased the debt and how much it was purchased for, asked for original contract between me and original creditor with my signature, proof of last payment and what acct pymt was made from ( bank, debit, credit card? ). I stated they had 30 days to respond with the requested information. Neither the atty or lvnv funding responded to my validation letter. I got debt verification forms from a XXXX XXXX XXXX who claimed to be working for lvnv funding, which only provided the total amount of debt, name of original creditor and notice I had 30 days to dispute. These letters were dated XX/XX/24 ( 17 day after my initial contact with them via validation/dispute letter received by them on XX/XX/24 & per FDCPA guidelines these should've been mailed within 5 days of initial contact- so by XX/XX/24 so this is the XXXX violation of FDCPA ). Also the fact they pursued a lawsuit without ever notifying me of the debt doesn't seem right to me. Second FDCPA violation is that they didn't send the validation documents ( competent proof ) I requested. Third violation is they have not ceased collection attempts as they have not dropped the lawsuit. The statute of limitations ran up on XX/XX/24 but they filed the lawsuit in XXXX yet continue to pursue it despite me disputing the debt. Another violation is that they didn't remove the reports from the XXXX major credit bureaus after I disputed the debt. Another violation is they used deceitful practices to attempt to collect this debt. I received a phone call on XX/XX/24. They mispronounced my name and refused to identify themselves until I verified my identity. They said it was regarding a personal business matter. I said they had the wrong number thinking it was a scam call but then decided to call back to see who it was since they said it was regarding a personal business matter. A woman answered " lvnv funding ''. I stated I just received a call and had a few questions to which she responded they were looking to speak with XXXX XXXX XXXX mispronounced name again ). I didn't confirm or deny my identity, just responded to her comment by asking " are you a debt collection agency '' to which she responded " no we are a credit repair company ''. I knew that to be a lie as I goggled lvnv funding while on the call so I immediately said thank you and hung up. I feel that's using deceitful practices to collect a debt. Before I could research my credit reports, I ended up being served with the lawsuit. That's when I realized what the lvnv funding call was about. I should've been notified of this debt prior to being sued and never was. I have not resided at my parents home, where I was served with the lawsuit, in about 5 years. Any mail that gets delivered to their house for me is marked return to sender since it's not my address and has not been for half a decade now and my current address is on my driver 's license and easily obtainable through a white pages search or background search. LVNV Funding failed to provide me with the debt validation information I requested in order to be able to say whether or not the debt belongs to me. I am filing countsuit in this claim