Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Cease and Desist Demand for Unlawful Debt Collection Practices To Whom It May Concern, I am writing to demand that LVNV Funding, LLC immediately cease and desist all communication with me regarding the alleged debt associated with account number.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further communication with me. Furthermore, I have reason to believe that LVNV Funding, LLC may have already engaged in debt collection practices that violate the FDCPA, including but not limited to : Harassment and Unfair Practices ( 15 U.S.C. 1692d & 1692f ) If you have engaged in any conduct intended to annoy, abuse, or harass me, including excessive or misleading phone calls, threats, or other deceptive practices.

Failure to Provide Debt Validation ( 15 U.S.C. 1692g ) If you have failed to provide proper validation of the alleged debt within five days of initial contact, you are in violation of federal law.

False or Misleading Representations ( 15 U.S.C. 1692e ) If LVNV Funding, LLC has misrepresented the amount, legal status, or ownership of the alleged debt, or has attempted to collect fees or interest not legally owed. 
Threatening Legal Action Not Intended or Permitted ( 15 U.S.C. 1692e ( 5 ) ) If LVNV Funding, LLC has made false threats of lawsuits, garnishments, or other legal consequences that it is either not authorized or does not intend to pursue.

Legal Precedent Supporting This Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Established that debt collectors, including law firms engaged in debt collection, must comply with the FDCPAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinforced
that misleading statements or deceptive practices by debt collectors are violations of the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Confirmed that false or misleading representations about the ownership of debt are actionable under the FDCPA. 
Cease and Desist Demand As of the date of this letter, you are legally required to discontinue any and all attempts to collect this alleged debt except to provide : Notice of termination of collection efforts ; or Notification of legal action as permitted by law. 
Any further attempts to contact me in violation of this demand will be documented and may be used as evidence in legal proceedings against your company.

Should you fail to comply with this request, I will be forced to take further action, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Pursuing legal action for FDCPA violations, which may result in statutory damages of up to {$1000.00} per violation, attorney fees, and additional relief as determined by the court.

I expect your immediate compliance with this request. Please provide written confirmation within 10 days that all further contact regarding this alleged debt will cease. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief