Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX LVNV Funding LLC/Resurgent General Disputes Correspondence XXXX XXXX XXXX XXXX, SC XXXX XXXX ID : XXXX ( balance {$1800.00} ) Re : Dispute for Debt validation of Alleged Debt- Additional Information obtained regarding Licensing and FDCPA Violations and Cease and Desist of Harassing Phone calls To Whom it may concern I am writing to formally dispute the alleged debt referenced in your prior communications While I previously received a billing statement as validation of debt from your office, I initially withdrew my dispute based on the information provided. However, after obtaining additional information, and conducting further research, I now have serious concerns regarding the legitimacy of the debt and your authorization to collect on it. This letter also includes the additional information I have obtained regarding your agency 's licensing status and outlines clear violation of the Fair Debt Collection Practices Act ( FDCPA ). It also serves as my written request for debt validation under 15 U.S Code 1692 ( g ) and 15 U.S Code 1692d ( 5 ), due to excessive phone calls and unauthorized collection activities. As a result, I am formally resubmitting my Dispute of the debt and I respectfully request the following : 1. Excessive Phone calls - Violation activities of 15 U.S Code 1692d ( 5 ) Your agency has contacted me repeatedly sometimes multiple times per day, with the intent to annoy, abuse or harass me. This conduct constitutes a clear violation of 15 U.S Code 1692d ( 5 ) which prohibits debt collectors from making repeated or continuous phone calls with such intent.

2.Unauthorized Collection Activities -Violation of 15 U.S Code 1692e ( 5 ) and ( 10 ) Upon reviewing your communication, I have found a disclosure of a non- valid collection agency license number. According to Chapter 140 of the Buffalo City Code, a collection agency must obtain a licensure from the Commissioner of Permit and Inspection Services before engaging in debt collection activities within the city. Failure to obtain this license and a {$5000.00} bond constitutes a violation of local law and renders your agency unauthorized to collect debts within XXXX XXXX limits. Also, if your agency is not properly licensed in my state to collect debts- as verified through the XXXX Consumer Access System- then your attempt to collect is unauthorized. Representing that you have the legal right to collect a debt without proper licensure constitutes a violation of both 15 U.S Code 1692e ( 5 ), threatening action can not legally be taken and 1692e ( 10 ) ( use of false or deceptive means to collect a debt ). 

3.Demand for Immediate Action 1.Cease and Desist all communication regarding this alleged debt, except to provide proper validation as required by law.

2.Provide written validation of the alleged debt including evidence of your agency 's licensure to collect debts in New York State , including registration ID through XXXX  and Compliance with XXXX XXXX Code Chapter 140.

If you fail to comply, I will submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), New York State Attorney General. I also reserve my right to seek statutory damages under 15 U.S Code 1692K.

Please consider this notice a formal dispute of the alleged debt in its entirety and a demand to cease further collection efforts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation