Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Your collection agency may be on the hook for thousands of dollars because you violated debt collection laws by not sending me a notice / dunning letter within the proper time frame. Hence, I didnt get the chance to dispute the account. Worse, your actions cost me a new car because my old car broke down, and when I applied for a loan to get a new car, I was denied. Now, XXXX will cost me on average {$310.00} per week to get to work. On top of that, Im going to have to pay extra money to have my child picked up from daycare. I thought it was something I did, but when the denial letter came from the bank, it mentioned a collection account and LVNV Funding is the cause of my stressful situation. Under XXXX US XXXX, youre required to notify me within XXXX days of the initial communication of the alleged debt, with initial communication being indirect via adding the account to my credit report in this case, which you did on XXXX XXXX. But I didnt get a notice within XXXX days of you adding the collection accounts as the FDCPA mandates! As I said, XXXX wouldve disputed the account from the start. BUT, if you claim I got a notice, you should be able to prove it, whether certified mail receipt, internal mailing tracking or certificate of mailing. And since I didnt receive the dunning letter, I didnt have the chance to request verification. Therefore, Im requesting debt verification as I can under XXXX USC XXXX ( XXXX ), and the verification I am asking for is a sworn declaration, signed in front of a notary and notarized, by a person who has firsthand knowledge that the debt is real and is owed by me. In other words, the person was present for the transaction, or they have direct access to the original creditors profit/loss statements Also, if you're a debt buyer, I'm requesting bill of sale with this specific account with my name and account number, assignment and assumption agreement, purchase and sale agreement, complete chain of title to include all owners and transferees, as well as the transaction ledger. So that XXXX clear on what verification I requested, please dont send contracts, a transaction history printout, or billing statements because those are not sworn, they arent stamped by a notary. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is an example of how a debt collector did not meet the burden of proof by not providing a bill of sale that has the correct references, no documentation linking original debt to the debt collector through successive assignments, and that mere possession of account data without proper documentation of ownership does NOT suffice. I refuse to pay the alleged debt until real verification is provided as requested. I want you to know that I know the difference in case you try sending me contracts or statements to serve as verification. Note, the violations of the FDCPA can come with some hefty penalties, including up to {$1000.00} just for breaking the law, attorney fees if I were to win in court, as well as actual damages I incurred from not being able to get a car and the suffering that comes along with it. Combined, you could be looking at over $ XXXX. Im already dealing with enough, so Im willing to look past this if you just remove the account from my reports and close the file so we can go our separate ways and act like it never happened. But if you choose to continue reporting this account and try to collect, then I will start speaking with an attorney about the next steps. Side note, I did some research on your agency after I saw your name on my credit report, and I was shocked to see a number of legal matters you were involved in such as the Civil Penalty & Consumer Refund ( XXXX ) as well as a {$1.00} XXXX licensing fine in Maryland. For that reason, I also demand you prove you meet the proper bond requirements that permit you operate in the state of Texas, as I am a resident of the state.

Company response to consumer: Closed with explanation