Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request and Cease and Desist Notice To Whom It May Concern, I am writing to you regarding a debt you have claimed I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Be advised that statements alone are not sufficient evidence of a debt. According to the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, a statement does not constitute adequate validation of an alleged debt. 

Please provide the following documentation to validate the debt : 1. The original contract or agreement that the debt is based on, bearing my wet signature.

2. A complete accounting of the debt, including the original amount, all payments made, and the calculation of the current balance. 
3. Documentation that you are legally entitled to collect this debt, which includes evidence of the chain of custody if the debt has been sold or transferred. 

Additionally, this letter serves as a formal cease and desist notice. You are hereby instructed to cease all forms of communication with me, including but not limited to phone calls, letters, and emails. This cease-and-desist order also applies to any reporting to consumer reporting agencies. Any communication, including entries on my consumer report, constitutes a violation of this cease-and-desist request and will be considered harassment. 

If you continue to harass me or fail to comply with my request, I will be forced to consider litigation. Below is an itemized list of potential costs associated with litigation for harassment and abuse : - Filing fees : {$400.00} - Attorney fees : {$2500.00} - Court costs : {$500.00} - Lost wages for court appearances : {$800.00} - Damages for emotional distress : {$5000.00} - Total potential cost : {$9200.00} Litigation Steps : 1. Consult with an Attorney : I will consult with a consumer rights attorney to discuss my case and explore my legal options.

2. File a Complaint : If necessary, I will file a formal complaint in court against your company for violating the FDCPA and for harassment.

3. Discovery : My attorney will request documentation and information from your company through the discovery process to support my case.

4. Court Appearances : I will attend all required court appearances, and my attorney will present evidence and arguments on my behalf.

5. Settlement Negotiations : If appropriate, my attorney and I may engage in settlement negotiations to resolve the matter out of court. 
6. Trial : If a settlement can not be reached, the case will proceed to trial, where a judge or jury will determine the outcome.

Please note that I will pursue these damages to the fullest extent of the law if this harassment continues.

I expect to receive the requested validation documents within 30 days of your receipt of this letter. Failure to do so will result in the assumption that you can not validate the debt, and it will be considered null and void. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation