Consumer complaint received 2017-01-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (MA)

I have made every possible attempt to contact this collection agency ( operating under the name LVNV ) to validate an alleged debt. After not receiving a Dunning letter when they supposedly acquired the debt, I sent multiple letters attempting to validate the debt by requesting such information as 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, a copy of the written agreement that created my original requirement to pay ; A copy of the last billing statement sent to me by the original creditor. 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 other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. Identify the date and amount of the last payment made on this account. Additionally I believe LVNV Funding violated the Massachusetts debt collector licensing statute by engaging in debt collection without first obtaining a license from the Massachusetts Division of Banks, as required under Massachusetts General Laws chapter 93, section 24A.. Does the 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. The letter I sent requesting this information was returned to me. I have also filed multiple disputes with the major credit reporting agencies XXXX, XXXX and XXXX ... each time the information sent in response to my attempted correspondence has been vague, tacit, ambiguous, unclear and i believe deliberately unspecific to avoid the requested details and information requested to validate this debt and their legal right to collect debts in this state. For these reasons they very much appear to be not only reporting an unverified debt to the credit reporting agencies ... .but in addition to that, they are possibly engaging in illegal collection activities without being properly licensed from the Massachusetts Division of Banks, as required under Massachusetts General Laws chapter 93, section 24A to collect debts from residents in this stat. 

I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. 

As a residence of Massachusetts I find the response and attatched documents to my request of debt verification to be insufficient in accordance with the state of Massachusetts debt collection regulations statute, - 209 CMR 18.00 Conduct of the Business of Debt Collectors and Loan Servicers, specifically 209 CMR 18.18 regarding Debt Validatoion. 

XXXX The following documentation is required by the State of Massachusetts Required to Validate a Debt per 209 CMR 18.18 : XXXX A debt collector shall provide to a consumer or any attorney for a consumer within five business days the following : ( a ) All papers or copies of papers and electronic records, in the possession of the debt collector which bear the signature of the consumer and which concern the debt being collected ; and ( b ) A ledger, account card, or similar record in the possession of a debt collector, whether paper or electronic,