Consumer complaint received 2022-10-24
Product: Debt collection 
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA
Tags: Older American, Servicemember

Complaint:
XX/XX/XXXX : Call received from XXXX XXXX XXXX XXXX ( XXXX ) at XXXX am. Call was blocked. 
XX/XX/XXXX : Received Debt Collection Letter from XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and spoke to a Aide and tried to convince her that it was not my debt ( they had the wrong person ). Aide asked if my birth month was XXXX ( its not ) and I replied that it wasnt even close. XXXX  then said they would remove my name from the debt and abruptly hung up. I called back several times to try to confirm that they were indeed going to remove my name from the debt action. I could not get confirmation. 
XX/XX/XXXX : I spoke with my attorney at XXXX XXXX, XXXX and he advised me to send a Debt Validation request letter to XXXX XXXX XXXX XXXX. I sent the letter on XX/XX/XXXX to XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MO XXXX and included their Debt Letter Reference # : XXXX. I indicated that I disputed the debt ( returned the response slip provided in the XXXX XXXX XXXX ) and asked for debt validation. The debt is for {$690.00} and the original creditor was XXXX XXXX Bank, XXXX. 
XX/XX/XXXX : I received XXXX letters ( dated XX/XX/XXXX ) from Resurgent Capital Services at XXXX XXXX XXXX, XXXX, MI XXXX. The first letter basically said they are looking into my inquiry. The actual text stated : Resurgent Capital Services L.P. manages the above referenced account for LVNV Funding LLC and has initiated a review of the inquiry recently received either directly or from XXXX XXXX XXXX, the current servicer of this account. They included an Account XXXX : XXXX and a Reference ID : XXXX. The second letter basically said they were verifying the debt with the enclosed information. The actual text stated : We have received a recent inquiry regarding the above-referenced account and have enclosed the account summary which provides verification of debt. The enclosed account summary included a credit card statement from late XXXX and was addressed to an individual with the same name as mine, but with a different address than mine. I have lived at my current address since XXXX way before the account initiation of XXXX. Additionally, I always use my middle initial on all formal documents I sign. Bottom line : The debt verification response identified that a debt existed, but not that I am the responsible for the debt. Its unfortunate that the debt verification did not include more specific identifying information such as Date of Birth ( DOB ), individuals Middle Initial, and the last 4 digits of the Social Security Number ( SSN ) of the person they say is responsible for the debt. In fact, based on what they did provide, the information supports my contention that I am not responsible for the debt, because I never lived at the address contained on the credit card statement. So, it appears that Resurgent Capital Services performed an incomplete due diligence of the debt action, or they have additional information they are not providing ( as requested in my XXXX XXXX XXXX ). 
XX/XX/XXXX : A letter was sent to Resurgent Capital Services L.P. at XXXX XXXX XXXX, XXXX, South Carolina, XXXX from my attorney at XXXX XXXX XXXX XXXX. again disputing the debt, requesting debt validation and any information they have that indicates whether or not I am responsible for the debt. This letter also enclosed a Name Affidavit, signed by me, that I am not the XXXX XXXX named as the Accountholder of Account Number XXXX. This Name Affidavit was notarized and sent with the letter. 
XX/XX/XXXX : My attorney at XXXX XXXX, XXXX. received a letter from Resurgent Capital Services L.P. dated XX/XX/XXXX. This letter again stated the enclosed account summary provided verification of the debt. Unfortunately, the enclosures were virtually identical to the correspondence received from Resurgent Capital Services L.P. that was dated XX/XX/XXXX. Nothing new or definitive was provided. 
XX/XX/XXXX : As of this date, I can not tell if Resurgent Capital Services XXXX still believes I am responsible for the debt. Their information provided certainly doesnt demonstrate that fact, and I know that is not my debt.

Company response to consumer: Closed with non-monetary relief