Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX account ending in XXXX with a reported balance of {$590.00}. I experienced financial hardship and notified XXXX XXXX, the original creditor, that I was having difficulty maintaining the account. After the account became delinquent, I began receiving multiple notices and payment demands from different companies regarding what appears to be the same debt. XXXX XXXX XXXX, XXXX first contacted me regarding the XXXX XXXX account and listed the account under XXXX XXXX, XXXX. XXXX later responded to my dispute and stated that the account had been closed with XXXX and returned to XXXX XXXX. Their letter listed the balance as {$590.00} and stated that further account information should be requested from XXXX XXXX. After that, I received a separate letter from XXXX XXXX stating that my account and account agreement had been sold and transferred to Resurgent Acquisitions, LLC on or about XX/XX/year>. The letter also stated that Resurgent Acquisitions, LLC now owns the account and that I should no longer send payments to XXXX XXXX. I then received another letter from Resurgent Capital Services stating that the account had been sold again or placed with them for servicing. The letter identified LVNV Funding LLC as the current owner and Resurgent Capital Services L.P. as the servicer. The letter also stated that the balance remained {$590.00}. This has created confusion because the same account appears to have moved from XXXX XXXX to XXXX XXXX XXXX, back to XXXX XXXX, then to Resurgent Acquisitions, then to LVNV Funding LLC, with Resurgent Capital Services servicing the account. I am requesting that the company clearly explain who legally owns this account, who has authority to collect it, and whether any duplicate collection activity has occurred. I previously challenged this debt and requested validation. I also attempted to resolve the matter due to financial hardship and believed I had settled or paid approximately {$470.00} toward the account, with the understanding that the account would be closed within approximately 22 days after payment was received. Despite this, I continued receiving notices showing a balance of {$590.00} and statements indicating that different companies now owned or serviced the account. I believe the handling of this account may be inaccurate, misleading, or incomplete. I am requesting a full investigation into the ownership, balance, payment history, settlement status, and collection authority for this account. I request that the company provide : 1. A complete chain of title showing every sale, transfer, assignment, and servicing change for this account. 2. Proof of the current legal owner of the account. 3. Proof that the current collector has authority to collect. 4. A complete payment history, including any payments or settlement amounts received. 5. An explanation of why I was told or led to believe the account would be closed after payment, but later received additional collection notices. 6. A corrected balance if any payments or settlement amounts were not properly credited. 7. Written confirmation that duplicate collection activity is not occurring. 8. Removal or correction of any inaccurate credit reporting related to this account. 9. A written explanation of whether XXXX XXXX XXXX, Resurgent Acquisitions, LVNV Funding LLC, and Resurgent Capital Services are collecting the same debt or separate debts. I am asking the CFPB to require the company to investigate and provide a clear written response, accurate documentation, and correction of any account balance or credit reporting errors

Company response to consumer: Closed with explanation