Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On XX/XX/year>, I requested a cashier 's check from XXXX XXXX XXXX XXXX in the amount of {$1700.00} to pay off the overdue balance on my XXXXXXXX XXXX XXXX credit card, which was the balance owed on the XX/XX/year> statement. I mailed XXXX XXXX XXXX the check on XX/XX/XXXX. 

On XX/XX/XXXX I called XXXXXXXX XXXX XXXX to find out if my check had been received and posted to my account, since I lost online access at the end of XXXX. The employee I spoke with did not initially confirm my payment had been posted but did let it slip later in the conversation. I was able to confirm in that phone call that my remaining balance was a minimum monthly payment of {$35.00}. 

On XX/XX/XXXX I made a {$75.00} XXXX XXXX Bill Pay payment to XXXX XXXX XXXX to cover the XXXX XXXX monthly payment for XXXX, and possibly one for XXXX ; I received an email from XXXX XXXX that my payment was mailed on XX/XX/XXXX, and the funds were withdrawn on XX/XX/XXXX. Resurgent Capital Services has since confirmed that the {$75.00} has posted to my account. 

On XX/XX/XXXX, I called XXXX XXXX XXXX  to verify that my {$75.00} payment was posted to my account and to ensure that my balance was paid in full. Instead, I learned that my account was sold to Resurgent Capital Services for a balance of {$1800.00}, and I could not access an agent to learn any information regarding my account or payments. XXXX XXXXXXXX XXXX  does not have an email address that customers can contact them on, and their help page is only a list of frequently asked questions, so I had no way to contact XXXX XXXX XXXX at all. 

On XX/XX/XXXX, I called Resurgent Capital Services to tell them that I had paid XXXX XXXX XXXX the {$1700.00}, and that I did not owe a balance. I was told that my debt was sold to them on XX/XX/XXXX, and the balance owed was the balance due. 

After the phone call on XX/XX/XXXX, I submitted a dispute to Resurgent Capital Services, with digital copies of both checks and withdrawal screenshots from XXXX XXXX, requesting resolution, since I'd already paid XXXXXXXX XXXX XXXX  The copy of the cashier 's check shows a posted date of XX/XX/year>. When I checked my email for previous correspondence from XXXXXXXX XXXX XXXX  I did find that a new document posted to my account on XX/XX/year>, but I could not view it since I'd lost my online access, and I could not call them since the opening recording for my account referred me to Resurgent Capital 's phone number On XX/XX/XXXX, I received an email from XXXX XXXX XXXX  that my account was sold to LVNV Funding, XXXX c/o Resurgent Capital Services XXXX On XX/XX/XXXX I replied asking about my {$1700.00} payment. I still could not contact XXXX XXXX XXXX  by phone. 

On XX/XX/XXXX, I received a letter from Resurgent Capital Services stating that they could not validate that balance in collections had been paid. On XX/XX/XXXX I called Resurgent Capital Services and spoke to a representative. First, the representative tried to tell me that the in the legal teams notes, the account number could not be validated, to which I directed her attention to the hand-written account number on the check. Then, I was told that the check was dated XX/XX/XXXX, and my account was sold on XX/XX/XXXX with a balance of {$1800.00}. The representative stated that Resurgent Capital Services could not verify the payment since it was made prior the account being sold, and it was not Resurgent 's responsibility to contact the original creditor to verify payment. Currently, Resurgent states that I owe a balance of {$1700.00}, since the {$75.00} check did post. 

On XX/XX/XXXX, I went to XXXX XXXX to verify that the funds from the {$1700.00} cashier 's check was withdrawn and to seek assistance with avenues that can help me get in contact with XXXX XXXX XXXX or other agencies to resolve this. I will dispute this collection with the Credit Bureaus when the debt appears on my credit report if a resolution can not be reached at this time. 

I am at a loss because the check has been cashed, the funds have been taken, and not applied for the intended purpose to the intended account. I am receiving no help from the company that owns my account now, and I can not contact my original creditor. I feel like {$1700.00} has been stolen from me and I don't know what to do.

Company response to consumer: Closed with explanation