Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX Collector XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX for LVNV Funding LLC ) Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : XXXX Website : resurgent.com Account Number : [ Redacted ] Original Creditor : XXXX XXXX XXXX  XXXX XXXX. 
Current Owner : LVNV Funding LLC Alleged Balance : {$1300.00} ( charge-off : XX/XX/XXXX ; acquired : XX/XX/XXXX ; last payment : XX/XX/XXXX ) Product/Issue Debt collection ( credit card debt ) Specific Issues : Continued attempts to collect debt during dispute, Cont 'd attempts to collect debt that you think is wrong, Didn't receive enough information to verify debt, Didn't receive notice of right to dispute, False statements or representation, Frequent or repeated calls, Improper contact or sharing of info, Threatened to contact someone or share information improperly, Used obscene, profane, or other abusive language Attempts to Resolve with the Company Have you already tried to fix this problem with the company? Yes XXXX : I made multiple good-faith attempts to resolve this directly with the company by sending formal written demands for validation, cease-and-desist notices, and compliance with laws. On XX/XX/XXXX, I sent a sworn affidavit and demand letter via certified mail ( tracking available, delivered XX/XX/XXXX ) and email ( to company contact address ), disputing the debt, refusing to pay, and demanding they cease all communications and provide full validation. I set a XXXX deadline of XX/XX/XXXX. Despite confirmed receipt, they did not respond meaningfullyinstead, they sent inadequate, non-responsive letters ( XX/XX/XXXX and XXXX, XXXX ) denying my dispute without investigation and continued harassing contacts. On XX/XX/XXXX, I sent another cease-and-desist demand via certified mail ( tracking available, accepted same day with expected delivery by XX/XX/XXXX ), again demanding termination of collections, deletion from reports, and compensation. These efforts were ignored, as collections persisted, violating FDCPA 1692c ( c ) and Regulation F 1006.6 ( c ). Evidence of all attempts ( letters, affidavits, tracking, emails ) is attached ( redacted for privacy ). 
Did you request information from the company? Yes What information did you request? ( optional ) : In my XX/XX/XXXX demand ( sworn affidavit attached, redacted ), I requested comprehensive validation information, including : ( XXXX ) the original signed contract with the original creditor, including date and location of signing ; ( XXXX ) a complete, notarized chain of title documenting every assignment of the debt ( e.g., bill of sale, forward-flow agreement with account-specific details ) ; ( XXXX ) an itemized accounting of the {$1300.00} balance from origination ( XX/XX/XXXX ) to present, breaking down principal, interest, fees, and calculations ; ( XXXX ) proof of the company 's Texas licensing and {$10000.00} XXXX bond under XXXX XXXX XXXX XXXX XXXX ( XXXX ) confirmation the debt is not time-barred under Texas Civil Practice & Remedies Code XXXX XXXX XXXX XXXX XXXX XXXX payment XX/XX/XXXX ) ; ( XXXX ) explanation of how they obtained my personal contact information without my consent, including source, date, and permissible purpose under FCRA 1681b and GLBA 6802 ; and ( XXXX ) internal records/compliance logs related to the account. In my XX/XX/XXXX demand ( copy attached, redacted ), I reiterated these requests and demanded written confirmation of actions taken ( e.g., debt termination, credit report deletion ). The company provided none of thisonly partial, inconsistent statements ( e.g., mismatched dates in XX/XX/XXXX and XXXX letters ), violating FDCPA 1692g and Regulation F 1006.34 ( c ). This failure contradicts their website FAQ ( resurgent.com/faq ), which claims they " provide verification '' upon dispute. 
What happened? 

Dear CFPB : I am a Texas resident filing this detailed complaint against Resurgent Capital Services XXXX ( Resurgent ) under CFPB authority ( 12 U.S.C. 5511 et seq., Regulation F, FDCPA, FCRA, GLBA ) for systemic violations in the debt collection process. Resurgent has harassed me with unauthorized, misleading communications; failed to validate a disputed debt ; ignored my cease-and-desist demands ; and contradicted their own policies/terms/privacy statements ( as per their website, resurgent.com, effective XX/XX/XXXX for privacy and XX/XX/XXXX for terms ). Their actions have caused emotional distress, time loss ( XXXX hours ), and potential credit damage. I request a full investigation, subpoenas for records, enforcement actions ( e.g., cease collections, delete from reports, penalties ), referral to XXXX, and XXXX XXXX $ XXXX per violation under FDCPA XXXX, actual damages for distress ). I have filed related complaints with Texas XXXX ( complaint # XXXX, filed XX/XX/XXXX ) and XXXX  XXXX ( complaint # XXXX, filed XX/XX/XXXX ) ; please coordinate. 

Step-by-Step Breakdown of the Debt Collection Process and Violations I will detail the entire process chronologically, from initial contact to ongoing harassment, highlighting every event, evidence, violation, and how Resurgent contradicts their own policies ( e.g., their privacy policy claims " we do not collect info without consent '' but they used my contact info without it ; terms promise FDCPA adherence but they ignored validation/cease demands ). Their website ( e.g., FAQ, Privacy Policy, T & Cs ) emphasizes " fair practices '' and " consumer rights, '' yet their actions violate these self-stated standards. 

Step XXXX : Unauthorized Data Acquisition and Initial Unsolicited Contact ( Pre-Validation Phase, August 23August 28, XXXX ) Process Description : Debt collection begins with acquiring XXXX data and initial outreach. Resurgent must obtain consent for contact ( XXXX XXXX XXXX ( d ) ( XXXX ) ) and provide validation within 5 days of initial communication ( XXXX XXXX XXXX ( a ) ; FDCPA XXXX ( a ) ). Their Privacy Policy ( resurgent.com/privacy ) claims compliance with GLBA ( XXXX ), stating they collect info only with " permissible purpose '' and share it only as needed, but they contradict this by using my contact info without consent or prior interactionI have no relationship with them. This suggests unauthorized data pulls ( e.g., from the original creditor without XXXX purpose, XXXX ). Their T & Cs ( resurgent.com/terms ) promise " respectful '' communication but started with unsolicited texts/emails. 
Events : XX/XX/XXXX ( XXXX AM ) : Email from company representative announcing LVNV purchase ( acquired XX/XX/XXXX ; charge-off XX/XX/XXXX ; balance {$1300.00} ). Partial summary onlyno full proof ( PDF attached, redacted ). 
XX/XX/XXXX ( XXXX AM ) : Email urging portal visit/payment ( PDF attached, redacted ). 
XX/XX/XXXX ( XXXX PM ) : Text urging portal ( screenshot attached ; inconvenient evening time ). 
XX/XX/XXXX ( XXXX AM ) : Email offering plans ( PDF attached, redacted ). 
XX/XX/XXXX ( XXXX PM ) : Original creditor email confirming sale ( email attached, redacted ). 
XX/XX/XXXX : Resurgent letter with summary ( origination XX/XX/XXXX ; no originals ; scan attached, redacted ). 
Violations : Unauthorized contact without consent ( Reg F 1006.6 ( e ) ; FDCPA 1692c ( a ) ; GLBA 6802contradicts their Privacy Policy 's " consent required '' claim ). Inadequate initial validation ( Reg F 1006.34 ( c ) must include creditor name, amount, dispute rights ; theirs was partial/misleading ). Misleading entity confusion ( FDCPA 1692eResurgent/LVNV blurred ). Harassment via inconvenient times ( Reg F 1006.6 ( b ) ( 1 ) ; XXXX  XXXX XXXX XXXX ). Contradiction : Their Scams page warns against " unsolicited contacts '' yet they initiated them. 
Evidence : Screenshots/PDFs attached ( redacted ) ; no consent proof from XXXX. 
Step XXXX : My Formal Validation Demand and Cease-and-Desist ( Dispute Phase, XX/XX/XXXX ) Process Description : Consumers can dispute debts in writing, triggering a XXXX validation requirement ( FDCPA XXXX ( b ) ; XXXX XXXX XXXX ). XXXX must cease until validated. Resurgent 's FAQ ( resurgent.com/faq ) claims they " investigate disputes '' and provide " verification, '' but they ignored mine, contradicting their T & Cs ' promise of FDCPA adherence. 
Events : XX/XX/XXXX ( XXXX PM ) : Sent sworn affidavit/demand via email ( to company contact address ) and certified mail ( tracking available ). Demanded : original contract, chain of title, itemized accounting, Texas licensing, XXXX confirmation ; cease all contact ( affidavit/PDF attached, redacted ). Deadline : XX/XX/XXXX. 
XX/XX/XXXX ( XXXX PM ) : XXXX delivery confirmation ( tracking attached, redacted ). 
Violations : Failure to acknowledge/respond ( XXXX XXXX XXXX ; FCRA XXXX ( b ) must investigate disputes ). Contradiction : Their Disputes page says " mail disputes to XXXX XXXX XXXX '' yet ignored mine. 
Evidence : Affidavit ( XXXX attachments, e.g., FDCPA excerpts, XXXX v. XXXX case ) ; tracking ( redacted ). 
Step XXXX : Resurgent 's Inadequate, Non-Responsive " Validation '' Attempts ( Post-Demand Phase, September 316, 2025 ) Process Description : Validation must include verifiable proof ( e.g., chain of title, originals ) ; boilerplate denials insufficient ( XXXX XXXX XXXX ( c ) ). Resurgent 's Account Summary Reports contradict their own Historical Info ( e.g., statement dates mismatch : XXXX XXXX XXXX vs. XXXX XXXX XXXX ), showing deception. Their FAQ claims " accurate reporting '' via XXXX XXXX, but inconsistencies violate this. 
Events : XX/XX/XXXX : Letter with statement ( XXXX XXXX XXXX, XXXX ; balance {$1300.00} ; scan attached, redacted ). Denied dispute without investigation. 
XX/XX/XXXX : Letter with variant statement ( XXXX XXXX XXXX, XXXX ; inconsistencies ; scan attached, redacted ). Threatened " active collection. '' Violations : Inadequate validation ( FDCPA XXXX XXXX ) ; deceptive ( FTC XXXX XXXX ; Texas Fin XXXX XXXX ( a ) ( XXXX ) ). Non-response to demand ( XXXX XXXX XXXX ). Contradiction : Their Privacy Policy requires " accurate info '' but statements have date errors. Potential time-barred debt ( XXXX  XXXX XXXX XXXX XXXX from last payment XX/XX/XXXX ; no disclosure ). 
Evidence : Scans ( redacted ) ; inconsistent dates highlighted. 
Step XXXX : Continued Harassment and Post-Deadline Collections ( Escalation Phase, XXXX XXXX XXXX, XXXX ) Process Description : Post-dispute, collections must cease until validated ( FDCPA XXXX ( XXXX ) ). Resurgent 's T & Cs include TCPA consent but require opt-in ; they violated by unsolicited texts/emails at inconvenient times, contradicting their Scams page ( warns against " threats/urgency '' ). 
Events : XX/XX/XXXX ( XXXX AM ) : Email offering discount ( {$1300.00} ; email attached, redacted ). 
XX/XX/XXXX ( XXXX PM ) : Text urging portal ( screenshot attached, redacted ). 
XX/XX/XXXX ( XXXX AM ) : Email " checking in '' ( email attached, redacted ). 
XX/XX/XXXX : Deadline passed ; no validation. 
XX/XX/XXXX ( XXXX AM email ; XXXX PM text ) : Reminders ( screenshots attached, redacted ; Saturday eveninginconvenient ). 
XX/XX/XXXX : Filed complaints with XXXX  XXXX ( # XXXX ) and XXXX  XXXX ( # XXXX ) ( PDFs attached, redacted ). 
XX/XX/XXXX ( AM ) : OCCC closure directs to XXXX ; Resurgent email urges payment ( email attached, redacted ). 
XX/XX/XXXX ( PM ) : Mailed new cease demand ( tracking available ; accepted same day, departed XXXX PM ; expected delivery XX/XX/XXXX ). 
Violations : Post-demand collection ( FDCPA 1692g ( b ) ) ; harassment ( FDCPA 1692d ; Reg F 1006.6 ( b ) ( 4 ) ( i ) ) ; unsolicited ( Reg F 1006.6 ( d ) ; TCPA 47 U.S.C. 227 ). Misleading urgency ( FDCPA 1692e ; XXXX  Fin Code 392.304 ). Contradiction : Their Hours of Operation ( XXXX XXXX XXXX ) imply respect for times, but texts were evenings/weekends. Privacy breach : Used info without explaining source ( contradicts Privacy Policy 's " disclosure upon request '' ). 
Step 5 : Credit Reporting and Systemic Issues ( Ongoing Harm ) Process Description : Collectors must report accurately ( FCRA 1681s-2 ( b ) ; Metro 2 standards ). Resurgent 's FAQ claims " we update reports upon resolution, '' but they reported without validation, risking inaccuracy. Their Licenses page omits XXXX  bonding ( XXXX  Fin Code 392.101 ), contradicting T & Cs ' " state compliance. '' Website lacks Texas disclosures, violating transparency. 
Harm : Emotional distress, credit damage, time loss. XXXX potentially time-barred ( XXXX  XXXX XXXX XXXX XXXX. 
Violations : Inaccurate reporting ( FCRA 1681n ) ; unfair practices ( FTC Act 5 ). Contradiction : Scams page educates on rights but they violated them.

Requested Relief and Investigation Subpoena Resurgent 's records : Internal notes, data acquisition sources, licensing/bonding proof, dispute logs, communications. 
Enforce : Cease collections, delete from reports ( XXXX ), prohibit XXXX. 
Damages : {$1000.00} per FDCPA violation + actual ( $ XXXX distress ). 
Refer to XXXX

Company response to consumer: Closed with non-monetary relief