Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear, Resurgent Receivables LLC Or To whom it may concern, Youre in violation of various areas of my consumers rights.

In regards of your response of my complaint to Consumer Financial Protection Bureau ( CFPB ) Complaint ID XXXX You, ( Resurgent Receivables LLC ) admitted of attempting to collect debt by sending your inquiry ( statements ) to my place of dwelling/employment. This is a violation of my consumer rights, understand, at any time you, ( Resurgent Receivables LLC ) send such information/documentation is very inconvenient for me, if you fail to understand this serious matter, please pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection you are clearly in violation. This is proof and validation that every time you called me or attempted to contact me/sending mail or contacting me in any shape or form or fashion attempting to collect debt while Im at my workplace/place of dwelling/employment youre in clear violation. This is verification and validation youre in violation because you mentioned in your response Please also note that the bill statements on file show the same address XXXX XXXX included in their inquiry. So you have clear understanding you contacted me at a very inconvenient time and violated my rights. Meaning you admitted to sending me mail contacting me in between inconvenient times at my place of dwelling/work ( I am self employed. ) So with this serious matter being addressed, understand youre in violation Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection just to give you more clarity read section ( 1 ) & ( 3 ) just in case you missed this serious Federal/State Law you have violated.

( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

As I continue to investigate this serious matter, there are various more violations of my consumer rights you have violated. You clearly stated Resurgent does not condone harassment or unprofessional communication with customers I find this statement to be a lie, and in fact I can prove it by law, first please understand congress never defined what a threat is, violence, or obscene or profane language is or harassment, congress leaves that up to me ( the consumer to judge. ) With this serious matter being addressed, please understand every time you ( Resurgent Receivables LLC ) called me saying I owed a debt that is obscene and profane language to me, Every time you sent me a letter ( to the address you admitted ) to sending me statements/documentation saying I owe a debt, this is obscene and profane language to me. Every time you mentioned if I dont pay by this date, youre going to furnish my consumer reports, that is a THREAT to me. You confessed and mentioned We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. Please also note that the bill statements on file show the same address XXXX XXXX included in their inquiry. It is clear of your response that youve threatened me. I am demanding Justice for this serious matter. By law you should be imprisoned for using obscene and profane language threatening, harassing me an consumer pursuant to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Every time you called me is abuse and harassment, also you ruined my reputation, my credit is my reputation. You mentioned We may furnish information concerning your Account or credit file to consumer reporting agencies this is abuse, harassment, obscene and profane language and threats to me, and causing me to not to sleep at night by your threats and harassment. Please understand the damage what youre doing to me, an consumer.

Please understand Resurgent Receivables LLC, you are extorting me, you have violated many of my consumer rights. This extortion has been going on as you mentioned on your response having acquired it on XX/XX/XXXX, XXXX so it is clear and validation of how long youve been extorting me and you confessed that when you mentioned the month and year. Pursuant to 18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. You threatened me and ruined my reputation/credit. I am demanding you to delete your false and misleading information off my consumer credit reports and demands you to never harass/threat/abuse/or use obscene and profane language to me again by reporting to my consumer credit reports because that is clearly what you are doing to me. This is your 2nd warning. Fail to met my demands, as an consumer, I refuse to go back and forth with any person and or entity who fails to understand their unfair business practices and how their breaking the law. FDCP, FCRA etc. If you fail to understand my demands, I will settle this serious matter in court without further ado.

And I will be seeking a lawyer on the behalf of all the violations you violated my rights. I am aware there are more violations as I investigate this serious inquiry. Due to all your threats, its difficult for me to focus.

Company response to consumer: Closed with explanation